| 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
- ₹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.
More from Emerald Finance Ltd
All →Emerald Finance Partnership
Emerald Finance Limited has partnered with Say Trip Hospitality Pvt. Ltd. to offer its Early-Wage-Access program to the latter's employees.
Emerald Finance Partnership
Emerald Finance partnered with Ace Financials, Zirakpur Punjab, to offer its Early-Wage-Access salary-advance program to the firm's employees. The tie-up extends its retail loan offerings through employer-linked salary deductions.
Emerald Finance Other Announcement
Emerald Finance has communicated the weblink to shareholders for accessing the Annual Report for FY 2025-26 and Notice of the 43rd AGM.
Emerald Finance Annual Report
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 Q1 FY27 Results: Net Profit ₹4.9 Cr, Up 53.1% YoY
Emerald Finance Ltd reported revenue from operations of ₹9.4 Cr (+40.3% YoY) and net profit of ₹4.9 Cr (+53.1% YoY) for Q1 FY27.
- Key figure
- Net profit ₹4.9 Cr · +53.1% YoY