Emerald Finance Limited
Latest filings
Next results: Wed, 4 Nov · Financial Results- Board to approve September 2026 quarterly and half-year results · Results
- Emerald Finance partners for employee salary advance service · Strategic Transactions
- Partnership with Halomax for Early Wage Access product · Strategic Transactions
Snapshot
What the business is, and whether it's a good one at a fair price.
Operates as a BSE-listed NBFC running four interlocking businesses. The Early Wage Access (EWA) platform partners with corporates to offer salary-advance loans to their employees, repaid via monthly salary deduction; 214 corporates and 30,000+ employees were on the platform at end-FY26, with 5,050 monthly active users and a run-rate of Rs 26 crore per month in Q1 FY27, of which Rs 13.5 crore came from cross-sell products like insurance and digital gold. Gold loan syndication distributes loans originated by banking and NBFC partners (ICICI, HDFC, RBL, Muthoot and 40+ others), disbursing Rs 375 crore in Q4 FY26 and Rs 290 crore in Q1 FY27, with the Q1 dip attributed to RBI restrictions. A direct MSME loan book of Rs 125 crore in AUM sits against net worth of Rs 90 crore and debt of just Rs 27 crore, leaving substantial headroom, and historical NPAs are under 0.20%. New education loan distribution via Credila and an AU Bank gold-loan alliance were added in Q1 FY27. FY26 total income was Rs 31.17 crore on an EBITDA margin of 74.52%, with employee costs at 16.6% of revenue and other operating costs at 5.2%, reflecting a light-asset, technology-led cost base.
Scorecard
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice
Strengths
Concerns
Charts
How has the market priced it — with filings on the timeline?
Price
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
Peers
How does it stack up on valuation, returns and growth?
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Financials
Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Ownership
Who owns it — and is the promoter stake clean?
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Common questions
Answered from Emerald Finance Limited's filed financials and exchange disclosures
What does Emerald Finance Limited do?
Emerald Finance Limited is a Finance company listed on BSE.
Is Emerald Finance Limited profitable?
Yes. Over the trailing twelve months Emerald Finance Limited reported a net profit of ₹17 Cr on revenue of ₹34 Cr.
Does Emerald Finance Limited pay a dividend?
Yes. The dividend yield is 0.18% at the current price. It paid out 2% of its profit as dividend in FY26.
Is Emerald Finance Limited expensive compared with its peers?
On trailing P/E, Emerald Finance Limited ranks 61 of 200 in Non Banking Financial Company (NBFC) — cheaper than 70% of them, against an industry median of 18.1×. This is a position, not a valuation judgement.
How much does the Emerald Finance Limited share price move in a day?
On a typical session Emerald Finance Limited moves 1.87% — that is the median absolute close-to-close move across its last 267 trading days. MarketPing measures each filing's price reaction against it.
When are Emerald Finance Limited's next results?
Financial Results on Wed, 4 Nov. MarketPing alerts you on WhatsApp the moment the filing lands.
Where can I track Emerald Finance Limited's announcements?
Every NSE and BSE filing by Emerald Finance Limited appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.