Submission of Press Release for Q4 FY 26 & FY 26
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Emerald Finance Limited reported robust FY26 consolidated results with Total Income of ₹31.20 Cr (up 44% YoY) and Net Profit of ₹15.15 Cr (up 70% YoY). EBITDA grew to ₹23.23 Cr from ₹14.93 Cr, indicating margin expansion. Q4 FY26 was particularly strong with Total Income at ₹9.76 Cr and Net Profit at ₹4.36 Cr. The company onboarded 34 new corporate partners for its Earned Wage Access (EWA) platform and achieved gold loan disbursements exceeding ₹375 Cr through its subsidiary Eclat Net Advisors, partnering with ICICI Bank, HDFC Bank, RBL Bank, and Muthoot Finance. The company operates as a Chandigarh-based NBFC focused on retail, MSME lending, and salary advance products.
The company demonstrated exceptional growth with PAT up 70% and EBITDA margins expanding to ~74%, significantly outperforming typical NBFC benchmarks. The stock is likely to attract positive sentiment given the strong profitability metrics and expanding business partnerships.