Emerald Finance Ltd — earnings calls
2 quarters summarised from transcripts filed with the exchange, every statement cited. Newest first.
Emerald Finance reported Q1 FY27 consolidated total income up 39.97% year-on-year to Rs. 9.44 crore and net profit up 52.72% to Rs. 4.88 crore, with diluted EPS rising to 1.44 from 0.92. Management said the EWA business grew to about 10.5% of consolidated revenue while the gold loan distribution business declined due to RBI restrictions on lending institutions. The company onboarded 32 new corporates during the quarter and entered partnerships with Credila Financial Services for education loans and AU Small Finance Bank for gold loans.
Emerald Finance reported Q4 FY26 total income of INR9.76 crores versus INR6.49 crores in Q4 FY25, with net profit of INR4.364 crores and an EPS of INR4.36. For the full year FY26, total income was INR31.2 crores with net profit of INR15.15 crores and EPS of INR4.36. Management discussed growth in its Early Wage Access, gold loan syndication and cross-sell businesses, a CRISIL rating upgrade from BB+ to BBB-, and answered detailed questions on NPA recovery, corporate onboarding, and cross-sell yields.