| Revenue growth | 52.8% CAGR projected from FY24 to FY26. |
|---|---|
| Margins | Targeting 48.7% PAT margin for FY26. |
| Order book | 214 total corporates; 4,000 monthly active users. |
| Demand visibility | Strong mid-month cash gap creates persistent demand for EWA. |
Growth
Projected FY26 Revenue of ₹31.20 Cr (+52.8% CAGR) and PAT of ₹15.19 Cr (+91.6% CAGR) on consolidated basis.
Outlook
Expanding into health/general insurance, mutual funds, and digital gold. Aiming to scale EWA as a default financial wellness partner.
Risks
Regulatory compliance in fintech, dependence on corporate partnerships for EWA distribution, and credit risk in MSME lending.
Earnings Call filed with BSE, NSE: EMERALD. Summary written with AI assistance from the document.
Emerald Finance Ltd: key numbers
- Share price
- ₹63.02
- Market cap
- ₹212.8 Cr
- Revenue (annual)
- ₹31.17 Cr
- Net profit (annual)
- ₹14.47 Cr
- P/E (TTM)
- 13.1×Sector 22.0×
- 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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Emerald Finance Limited has submitted its Annual Report for the financial year 2025-26 to the exchange, as mandated by SEBI LODR regulations.
Emerald Finance Earnings Call Transcript: Key Takeaways
Emerald Finance reported Q1 FY27 consolidated income of ₹9.44 Cr (up 39.97% YoY) and PAT of ₹4.88 Cr (up 52.72% YoY). The company is pivoting towards Early Wage Access (EWA) and MSME lending.
- Call
- Guides 66% growth
Emerald Finance Investor Presentation: Key Takeaways
Emerald Finance reported strong Q1 FY27 results, leveraging an integrated model of lending, distribution, and Earned Wage Access (EWA) through 50+ lender partnerships.