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.
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from Emerald Finance Limited's filed financials and exchange disclosures
Emerald Finance Limited is a Finance company listed on BSE.
Yes. Over the trailing twelve months Emerald Finance Limited reported a net profit of ₹17 Cr on revenue of ₹34 Cr.
Yes. The dividend yield is 0.14% at the current price. It paid out 2% of its profit as dividend in FY26.
Effectively yes. It holds ₹3 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, Emerald Finance Limited ranks 81 of 212 in Non Banking Financial Company (NBFC) — cheaper than 62% of them, against an industry median of 18.2×. This is a position, not a valuation judgement.
On a typical session Emerald Finance Limited moves 2.01% — that is the median absolute close-to-close move across its last 268 trading days. Announcement days are routinely larger.
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.
