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.
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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.
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 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.
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.
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 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 partnered with Halomax Lighting Solutions to offer an Early-Wage-Access program for its employees. This tie-up facilitates seamless salary advances to staff.
Emerald Finance Ltd has submitted its quarterly shareholding pattern as of September 30, 2026, in compliance with SEBI Listing Regulations.
Emerald Finance Limited has partnered with Erste Wahl Financial Services, Punjab. This collaboration introduces an Early-Wage-Access program providing short-term salary advances to employees.
Emerald Finance Ltd conducted its 43rd Annual General Meeting on September 30, 2026. Shareholders approved the adoption of financial statements and a dividend of Rs. 0.10 per share.
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 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 has communicated the weblink to shareholders for accessing the Annual Report for FY 2025-26 and Notice of the 43rd AGM.
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 Limited announced its AGM date as 30th September 2026 and fixed a record date of 23rd September 2026 for the final dividend.
Emerald Finance Limited has partnered with DMK Cast and Forge, Ludhiana. The collaboration aims to offer an Early-Wage-Access program providing salary advances to the firm's employees.
Emerald Finance Limited has partnered with Claycove23 Insurance Tech Pvt. Ltd. to offer an early-wage access program for its employees.
Emerald Finance Ltd partnered with Antierly Schools & Beyond to offer salary advance loans to its employees. This partnership provides instant financial relief through salary deductions.
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.
Emerald Finance reported strong Q1 FY27 results, leveraging an integrated model of lending, distribution, and Earned Wage Access (EWA) through 50+ lender partnerships.
Emerald Finance reported strong Q1 FY27 results, with consolidated total income reaching ₹9.44 Crore and net profit surging 52.72% YoY.
Emerald Finance Limited has partnered with Health Biotech Limited to offer an early-wage-access program, providing short-term salary advances to employees through payroll deduction.
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.
Emerald Finance Limited scheduled a board meeting on July 22, 2026. The board will consider standalone and consolidated unaudited quarterly financial results.
Emerald Finance Limited partnered with Ace Knitware to offer its Early-Wage-Access program. This solution provides short-term salary advance loans to employees via salary deductions.
Emerald Finance Ltd has partnered with Vertex Industries to launch its Early‑Wage‑Access program for employees. The initiative extends salary‑advance services, enhancing its financial‑relief offerings.
Emerald Finance raised a ₹10 Crore term loan from ICICI Bank for business expansion. The funds will support its Earned Wage Access program and onward lending activities.
Emerald Finance partnered with Yerik International to launch an Early-Wage-Access program for employees. This strategic alliance expands the company's retail financial product offerings.
Emerald Finance subsidiary, Eclat Net Advisors, re-appointed Mrs. Anubha Aggarwal as Whole-time Director. Her five-year tenure ensures management continuity for the subsidiary's operations.
Emerald Finance reported strong FY26 performance, scaling its Early Wage Access (EWA) and digital lending platforms while achieving a CRISIL rating upgrade to BBB-.