ALFA Finder| 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.
Earnings Call Transcript filed with BSE, NSE: EMERALD. Summary written with AI assistance from the document.
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.
More from Emerald Finance Ltd
All →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.
Emerald Finance Partnership
Emerald Finance has partnered with Kandarp Digi Smart BPO to offer an early-wage-access programme to employees. The tie-up gives staff access to part of their salaries.
Emerald Finance Partnership
Emerald Finance partnered with Halomax Lighting Solutions to offer an Early-Wage-Access program for its employees. This tie-up facilitates seamless salary advances to staff.