Submission of Investor Presentation
Price
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Emerald Finance, a Chandigarh-based non-deposit taking NBFC, shared its Q4 FY25 and FY25 results through an investor presentation. FY25 consolidated total income grew 62% YoY to ₹21.63 Cr, while net profit jumped ~115% to ₹8.89 Cr and EBITDA doubled to ₹15.07 Cr. EBITDA margin expanded sharply to 69.64% (from 52.56% in FY24). In Q4 alone, consolidated net profit surged 133% YoY to ₹2.65 Cr. The company maintained Zero NPAs for the full year. Its Early Wage Access (EWA) platform gained traction with 62 corporate clients onboarded in FY25, processing over ₹9 Cr in salary advances.
Strong margin expansion and robust profit growth signal operational efficiency and quality of earnings. With a rising EWA business, Zero NPAs, and growth targets of 250 corporate partners by March 2026 and 4,000 monthly transacting users by FY26, the outlook appears positive for shareholders, though the small base and reliance on DSA-led model warrant continued monitoring.