Emerald Finance Ltd Reports Strong Consolidated Q1 FY27 Results; Net Profit Jumps 52.72%

Emerald Finance Ltd Reports Strong Consolidated Q1 FY27 Results; Net Profit Jumps 52.72%​

Emerald Finance Limited, an established non-deposit taking NBFC offering a spectrum of financial products including Earned Wage Access (EWA) in India, has announced its Unaudited Financial Results for the first quarter of Fiscal Year 2027 (Q1 FY27). The company reported significant growth across key metrics, highlighted by a substantial increase in consolidated net profit.

Q1 FY27 Key Financial Highlights​

The results show robust performance both on a standalone and consolidated basis. Consolidated Total Income for Q1 FY27 reached ₹ 9.44 Cr, reflecting strong year-over-year (YoY) growth. Net Profit saw the most significant increase, surging 52.72% YoY to ₹ 4.88 Cr.

The financial performance across various metrics is detailed in the following table:

Management Commentary and Strategic Direction​

Sanjay Aggarwal, Managing Director of Emerald Finance Limited, commented on the results, stating that the company began FY27 with a strong quarter, demonstrating healthy growth across all financial parameters.

"Total Income increased by 39.97% YoY to ₹ 9.44 Cr, while EBITDA grew by 60.28% YoY to ₹ 7.42 Cr," Aggarwal noted. "Net Profit rose by 52.72% YoY to ₹ 4.88 Cr, reflecting the strength of our scalable, asset-light business model and disciplined execution."

He added that the company’s focus on innovation, prudent risk management, customer-centric solutions, and technology-driven execution continues to strengthen its foundation. Emerald Finance is committed to enhancing operational efficiency, expanding product offerings, and delivering sustainable long-term value to stakeholders as it moves forward.

Operational and Business Growth​

Emerald Finance demonstrated significant expansion in its corporate collaborations for EWA. The company successfully partnered with 32 more prominent corporate organizations. Furthermore, the firm entered into a strategic alliance with Credila Financial Services Limited specifically for educational loans.

In other business developments, Emerald Finance collaborated with AU Small Finance Bank Limited to facilitate gold loans.

Company Profile Snapshot​

Emerald Finance Limited, previously known as Emerald Leasing Finance and Investment Company Limited, is a Chandigarh-based NBFC focused on retail and MSME lending. The company operates as a loan origination platform for over 50 financial institutions through its subsidiary, Eclat Net Advisors Private Limited. Since obtaining its NBFC license in 2015, Emerald has expanded its offerings to include personal loans, business loans, and Early Wage Access.

The firm recently developed the digital product, Emerald Early-Wage-Access, which provides short-term loans via salary advances through partnerships with employers.

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

Stock Price Movement​

Emerald Finance Ltd settled at ₹51.31 on Friday, closing down 4.34% in trading. The shares moved within an intraday range defined by a low of ₹50.22 and a high of ₹54.50.