| 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
- ₹57.28
- Market cap
- ₹193.5 Cr
- Revenue (annual)
- ₹31.17 Cr
- Net profit (annual)
- ₹14.47 Cr
- P/E (TTM)
- 11.9×Sector 21.9×
- 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.
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