Key Financial Results

Consolidated Performance (Q1 FY27 vs Q1 FY26):

  • Total Income: ₹9.44 Cr (vs ₹6.74 Cr) - 39.97% YoY growth
  • EBITDA: ₹7.42 Cr (vs ₹4.63 Cr) - 60.28% YoY growth
  • Net Profit: ₹4.88 Cr (vs ₹3.19 Cr) - 52.72% YoY growth
  • EPS: ₹1.44 (vs ₹0.92) - 56.52% YoY growth

Standalone Performance (Q1 FY27 vs Q1 FY26):

  • Total Income: ₹6.27 Cr (vs ₹4.74 Cr) - 32.47% YoY growth
  • EBITDA: ₹5.22 Cr (vs ₹3.86 Cr) - 35.19% YoY growth
  • Net Profit: ₹3.45 Cr (vs ₹2.63 Cr) - 31.18% YoY growth
  • EPS: ₹1.00 (vs ₹0.76) - 31.58% YoY growth

Management Commentary

Mr. Sanjay Aggarwal, Managing Director, commented on the strong quarter performance, highlighting:

  • Healthy growth across all key financial parameters
  • Strength of scalable, asset-light business model
  • Disciplined execution
  • Emphasis on innovation, customer-centric solutions, prudent risk management, and technology-driven execution
  • Commitment to enhancing operational efficiency, expanding product offerings, and delivering sustainable long-term value

Business Highlights & Partnerships

  • Corporate partnerships for Earned Wage Access (EWA) with prominent corporate organizations
  • Strategic alliance with Credila Financial Services Limited for educational loans
  • Collaboration with AU Small Finance Bank Limited for gold loans

Company Background

Emerald Finance Limited (previously known as Emerald Leasing Finance and Investment Company Limited) is a Chandigarh-based non-deposit taking NBFC focused on:

  • Retail and MSME lending
  • Acts as loan origination platform for over 50 financial institutions through subsidiary Eclat Net Advisors Private Limited
  • Received NBFC license in 2015
  • Product offerings include personal loans, business loans, and Early Wage Access
  • Developed Emerald Early-Wage-Access, a fully digital product providing short-term loans via salary advances

Historical Reference

For FY26, the company reported consolidated Total Income of ₹31.20 Cr, EBITDA of ₹23.23 Cr, and Net Profit of ₹15.15 Cr.

Forward-Looking Statements Disclaimer

The document contains forward-looking statements subject to risks and uncertainties including government actions, local/political/economic developments, technological risks, and other factors that could cause actual results to differ materially.