Divya Agarwal
Mumbai (Maharashtra) [India], July 25: Emerald Finance Limited (BSE: EMERALD), one of the dynamic companies offering a spectrum of financial products and services including its flagship Earned Wage Access (EWA) in India, has announced its Unaudited Financial Results for Q1 FY27.
Key Financial Highlights
Key Financial Highlights – Q1 FY27 (Standalone)
- Total Income of ₹6.27 Cr, YoY growth of 32.47%
- EBITDA of ₹5.22 Cr, YoY growth of 35.19%
- Net Profit of ₹3.45 Cr, YoY growth of 31.18%
- EPS of ₹1.00, YoY growth of 31.58%
Key Financial Highlights – Q1 FY27 (Consolidated)
- Total Income of ₹9.44 Cr, YoY growth of 39.97%
- EBITDA of ₹7.42 Cr, YoY growth of 60.28%
- Net Profit of ₹4.88 Cr, YoY growth of 52.72%
- EPS of ₹1.44, YoY growth of 56.52%
Comment on Financial Performance Mr. Sanjay Aggarwal, Managing Director of Emerald Finance Limited, said, “We are pleased to begin FY27 with another strong quarter, delivering healthy growth across all key financial parameters. Total Income increased by 39.97% YoY to ₹9.44 Cr, while EBITDA grew by 60.28% YoY to ₹7.42 Cr. Net Profit rose by 52.72% YoY to ₹4.88 Cr, reflecting the strength of our scalable, asset-light business model and disciplined execution.
Our emphasis on innovation, customer-centric solutions, prudent risk management, and technology-driven execution continues to strengthen our business foundation and positions us well to capitalize on emerging opportunities in the financial services sector. As we move forward, we remain committed to enhancing operational efficiency, expanding our product offerings, and delivering sustainable long-term value for our stakeholders.”
Q1 FY27 Key Business Highlights
| Corporate Partnerships for EWA | Successfully partnered with 32 more prominent corporate organizations |
| Education Loan Partnership | Entered into a strategic alliance with Credila Financial Services Limited for educational loans. |
| Gold Loan Partnership | Collaborated with AU Small Finance Bank Limited for gold loans |
About Emerald Finance Limited
Emerald Finance Limited, previously known as Emerald Leasing Finance and Investment Company Limited, is a Chandigarh-based non-deposit-taking NBFC. It focuses on retail and MSME lending and acts as a loan origination platform for over 50 financial institutions through its subsidiary, Eclat Net Advisors Private Limited. Since receiving its NBFC license in 2015, Emerald has broadened its offerings to include personal loans, business loans, and Early Wage Access. Emerald’s loan origination platform collaborates with numerous financial institutions, serving thousands of customers monthly. Recently, it developed Emerald Early Wage Access, a fully digital product providing short-term loans via salary advances, in partnership with employers. This product, inspired by similar trends in the US and Europe, is poised for significant future growth, leveraging Emerald’s prior experience in the field.
For FY26, the company has reported Total Income of ₹ 31.20 Cr, EBITDA of ₹ 23.23 Cr & Net Profit of ₹ 15.15 Cr on a consolidated basis.
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