Submission of Investor Presentation
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Emerald Finance Limited, a Chandigarh-based non-deposit taking NBFC, submitted its Q3 & 9M FY26 investor presentation highlighting strong financial and operational growth. Consolidated Q3 FY26 total income rose 36% YoY to ₹7.80 Cr, with net profit up 62% YoY to ₹4.00 Cr. For 9M FY26, total income grew 42% YoY to ₹21.45 Cr, and net profit surged 73% YoY to ₹10.79 Cr (standalone net profit more than doubled to ₹8.76 Cr). The company onboarded 35 new corporates on its Earned Wage Access (EWA) platform in Q3, taking total corporate partners to 180+, and its Gold Loan Syndication business disbursed over ₹105 Cr in December 2025. PAT margins expanded from 30% in FY23 to 41% in FY25 to 51% in Q3 FY26, reflecting improving operating leverage.
The presentation showcases accelerating growth and improving profitability through the company's asset-light, technology-led model spanning EWA and Gold Loan Syndication. The sharp jump in margins and clear operational scaling (corporate onboarding, disbursement volumes) are positive signals for shareholders, supporting the growth narrative.