ALFA Finder
The call ran from 3:59 PM to 4:44 PM IST (45 min).
Key takeaways
Q2 total income ₹10.07 Cr (+45.81% YoY) and PAT ₹5.30 Cr (+47.14%); H1 income ₹19.51 Cr (+42.94%). Management hedged on gold loans, citing weak demand and funding cuts.
| Revenue growth | Q2 income ₹10.07 Cr, +45.81% YoY; H1 +42.94%. |
|---|---|
| Margins | Margins improving on tech-led cost control; no margin figures given. |
| Demand visibility | Gold loan demand weak; festive and March quarters expected stronger. |
| Management confidence | Balanced; confident on EWA and MSME, hedged on gold loans. |
Growth
Q2 income +45.81%, PAT +47.14% YoY; H1 income +42.94%, PAT +49.8%. Interest income is 49% of revenue.
Outlook
MSME loan book target: ₹150 Cr+ by March 2027, from ₹131 Cr. No revenue or PAT guidance given.
Risks
Gold loan demand weak; two or three large lenders cut funding 40–50%; RBI hike may raise borrowing costs.
Summary by ALFA Finder, written with AI assistance from the earnings call transcript the company filed, published . Open it on ALFA Filings ›
The results behind this call
Emerald Finance Q2 FY27 Results: Net Profit ₹5.3 Cr, Up 47.2% YoY
Emerald Finance Ltd reported revenue from operations of ₹10.1 Cr (+46.4% YoY) and net profit of ₹5.3 Cr (+47.2% YoY) for Q2 FY27.
- Key figure
- Net profit ₹5.3 Cr · +47.2% YoY
What management said last time
Full summary →From the call summary published .
Outlook they gave
Management reaffirmed FY27 EPS guidance of ₹7. Targeting 40-50% PAT CAGR over next 2-3 years without equity dilution.
Growth they described
Revenue grew 39.97% YoY; Net Profit rose 52.72% YoY with diluted EPS improving to 1.44 from 0.92.
Call details
| Company | Emerald Finance Ltd |
|---|---|
| NSE symbol | EMERALD |
| ISIN | INE030Q01015 |
| Call | Q2 FY27 earnings call |
| Date | Thursday, 5 November 2026 |
| Time | 4:00 PM IST |
| Length | 45 min |
Emerald Finance Ltd: key numbers
- Share price
- ₹55.62
- Market cap
- ₹187.9 Cr
- Revenue (annual)
- ₹31.17 Cr
- Net profit (annual)
- ₹14.47 Cr
- P/E (TTM)
- 10.6×Sector 20.8×
- Promoter holding
- 59.70%+0.00% QoQ
- FII holding
- 1.78%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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