| 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
- ₹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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