ALFA Finder| Management target | Net Profit 66.0% FY27 |
|---|
| Revenue growth | 39.97% YoY |
|---|---|
| Margins | PAT margins stable at 50-51%; likely 40-45% as interest costs rise. |
| Order book | AUM at ₹125 Cr; EWA run rate ₹26 Cr monthly. |
| Demand visibility | Strong corporate onboarding for EWA with 32 new organizations. |
| Management confidence | High; reaffirmed EPS guidance of 7 despite slow Q1. |
Growth
Revenue grew 39.97% YoY; Net Profit rose 52.72% YoY with diluted EPS improving to 1.44 from 0.92.
Outlook
Management reaffirmed FY27 EPS guidance of ₹7. Targeting 40-50% PAT CAGR over next 2-3 years without equity dilution.
Risks
Gold loan business saw a dip due to RBI restrictions on banks. Rising NPAs mentioned but currently below provisions.
Last quarter's promises, checked
Delivered
- Guided EPS ~4.36 for FY26 → delivered 4.36 (= BEAT)
- Guided 150-200 new corporates/year → delivered 32 in Q1 (~128 run-rate) (= BEAT)
- Guided EWA revenue share 8% for FY26 → delivered 10.5% in Q1 (= BEAT)
Partly delivered
- Guided EWA run-rate ₹11.5-12Cr/qtr → delivered ₹26Cr/month in Q1 (= BEAT)
- Guided new product launches (Insurance/SIP) → integrations in advanced stages (= PARTIAL)
Missed
- Guided FY27 PAT ₹32-40Cr → Q1 PAT ₹4.88Cr (~₹20Cr run-rate) (= MISS)
Earnings Call Transcript 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.