Submission of Investor Presentation
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Emerald Finance reported strong Q2 FY26 results with total income up 38% YoY to ₹6.91 Cr and net profit up 75% YoY to ₹3.60 Cr. EBITDA margin expanded sharply to 79% (vs 70% in FY25), while net profit margin rose to 52%. H1 FY26 net profit grew 81% YoY to ₹6.79 Cr. The company has onboarded 145 corporates on its Earned Wage Access (EWA) platform, disbursed ₹115+ Cr in gold loans via syndication in Q2, and launched the Emerald EWA app on Google Play. Management is targeting 250 corporate clients and 4,000 monthly transacting users by end of FY26. Promoters hold 59.5% of the company, which has a market cap of ₹291.87 Cr at ₹84.50 per share.
Strong margin expansion and robust growth in the EWA and gold loan syndication segments signal improving operational efficiency. For shareholders, the rapid scaling of the asset-light, tech-driven model and high promoter holding (59.5%) are positive signs, though the small market cap keeps the stock suitable only for investors with high risk tolerance.