ALFA Finder| Revenue growth | 39.97% YoY (Consolidated) |
|---|---|
| Margins | EBITDA margin improved; Consolidated EBITDA up 60.28% YoY. |
| Demand visibility | Strong EWA traction with 246 corporates and 5,050 monthly active users. |
| Management confidence | High |
Growth
Consolidated Total Income grew 39.97% YoY to ₹9.44 Cr; Net Profit rose 52.72% YoY to ₹4.88 Cr.
Outlook
Expanding EWA adoption and upcoming products like insurance and digital gold to drive multi-product cross-selling.
Risks
Historical NPA is low at <0.20%, but managing credit quality in unsecured MSME lending remains critical.
Last quarter's promises, checked
Delivered
- Guided EPS > 4.36 → delivered 4.88 Cr PAT (Q1 FY27) (= BEAT)
- Guided 30+ new corporates/qtr → delivered 32 new corporates (= BEAT)
- Guided 150-200 new companies/year → on track with 246 total (= BEAT)
Partly delivered
- Guided upcoming insurance/gold products → still in 'upcoming' phase (= PARTIAL)
Investor Presentation filed with BSE, NSE: EMERALD. Summary written with AI assistance from the document.
Emerald Finance Ltd: key numbers
- Share price
- ₹56.39
- Market cap
- ₹190.5 Cr
- Revenue (annual)
- ₹31.17 Cr
- Net profit (annual)
- ₹14.47 Cr
- P/E (TTM)
- 10.8×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.
More from Emerald Finance Ltd
All →Emerald Finance Partnership
Emerald Finance appointed as DSA for Utkarsh Small Finance Bank's gold loan vertical, pan India. No specific contract value disclosed in the announcement.
Emerald Finance Earnings Call Transcript: 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.
Emerald Finance Investor Presentation: Key Takeaways
Q2 FY27 total income ₹10.07 Cr (+45.8% YoY) and PAT ₹5.31 Cr (+47.3% YoY); H1 PAT crossed ₹10 Cr. Loan book ₹131 Cr; Emerald Ekam platform launched.
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
Emerald Finance Partnership
Emerald Finance appointed as a Direct Selling Agent by Unity Small Finance Bank to source Gold Loan business Pan India. The filing announces a new business association but states no monetary value.
- From
- Unity Small Finance Bank
Emerald Finance Board Meeting Date
Emerald Finance will hold a board meeting on November 4, 2026 to consider unaudited quarterly and half-year results. The trading window remains closed until November 6, 2026.