Submission of Investor Presentation
Price
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Emerald Finance, a Chandigarh-based non-deposit taking NBFC, reported strong Q1 FY26 results with consolidated total income rising 53.20% YoY to ₹6.74 Cr and net profit jumping 86.43% YoY to ₹3.19 Cr. EBITDA grew 67.79% YoY to ₹4.95 Cr, with EBITDA margin expanding from 67.04% to 73.42% and net profit margin improving from 38.91% to 47.35%. Standalone numbers were even stronger, with net profit up 138.39% YoY to ₹2.63 Cr and EBITDA margin at 83.97%. Management highlighted targets of 250 corporate clients by FY26 end and 4,000 monthly EWA users, with 62 corporates already onboarded and 20+ in the pipeline. The EWA business processed over ₹9 Cr in salary advances in FY25, and the company maintains zero NPAs.
Strong double-digit growth in both revenue and profitability, along with expanding margins and a clearly articulated client acquisition target, signals positive momentum for shareholders. The asset-light, digital-first NBFC model with zero NPAs and rising fee-based income could support continued investor interest in the stock.