i think Emma Watson probably has lost her virginity. It's not like she's going to come out and say I JUST HAD SEX! But she is old enough and pretty enough to attract many men, so I would be shocked if she hasn't.
Also, she kind of gives away a bit of information about it in an interview when she says:
" I’ve never wanted to grow up too fast: I wanted to wear a sports bra until I was 22! The allure of being sexy never really held any excitement for me. I’ve never been in a terrible rush to be seen as a woman."
This might sound like she is still naive (wanted to wear a sports bra till she was 22!!) but she also says she needs to experience stuff in real life before portraying it in film, and she has had sexy scenes in her movie The Bling Ring where she is even a pole dancer!