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Emerald Finance Limited, a Chandigarh-based NBFC, reported strong financial results for Q4 FY25 and FY25. On a standalone basis, Q4 FY25 net profit surged 246% YoY to ₹2.16 Cr, with total income up 127% to ₹4.60 Cr. For full-year FY25, standalone net profit more than doubled to ₹6.44 Cr (up 114%), while total income rose 81% to ₹13.47 Cr. On a consolidated basis, FY25 net profit stood at ₹8.89 Cr (up 115%) with total income of ₹21.63 Cr. The company maintained Zero NPAs throughout the year and expanded its Early Wage Access (EWA) platform, onboarding 20 new corporates in Q4 (62 for the full year). It also raised funds via private placement of NCDs (₹1.20 Cr) and equity shares (₹1 Cr+) from investors including Saint Capital Fund.
Strong across-the-board growth in revenue, EBITDA, and net profit with expanding margins signals healthy business momentum. The Zero NPA status and scaling EWA platform could be viewed positively by investors, though the company's small base size means percentage growth figures should be read in context.