Submission of Press Release for Q4 FY 26 & FY 26
RESULTS
▲ Positive Development
LOW RISK
📅 Filed on BSE: 28 May 2026, 03:47 PM IST · BSE ID: be51b8b2-5d79-45d3-92c2-8dcb5684ef0e
View Original BSE Filing (PDF)
💡
In Simple Terms
Emerald Finance reported strong full-year and quarterly financial results, showing significant profit and income growth.
🤖 AI Summary
- Emerald Finance reported FY26 consolidated Net Profit of ₹ 15.15 Cr, a 70.41% increase from FY25.
- Consolidated Total Income for FY26 stood at ₹ 31.20 Cr, growing 44.24% over FY25.
- Q4 FY26 consolidated Net Profit was ₹ 4.36 Cr, up 64.35% from Q4 FY25.
- The company onboarded 34 corporates to its Earned Wage Access platform in Q4 FY26.
- Gold loan syndication disbursed over ₹ 375 Cr in Q4 FY26 through a subsidiary.
🔢 Key Numbers — exact figures from BSE filing, not rounded
FY26 Consolidated Total Income
₹ 31.20 Cr
44.24%
FY26 Consolidated Net Profit
₹ 15.15 Cr
70.41%
Q4 FY26 Consolidated Total Income
₹ 9.76 Cr
50.44%
Q4 FY26 Consolidated Net Profit
₹ 4.36 Cr
64.35%
Q4 FY26 Gold Loan Disbursements
₹ 375 Cr
🏢 How This Affects the Company
The addition of 34 corporates to the Earned Wage Access platform expands the company's reach within India's formal workforce. Gold loan disbursements exceeding ₹ 375 Cr in Q4 FY26 demonstrate activity in a core business segment.
Consolidated Net Profit increased by 70.41% to ₹ 15.15 Cr for FY26, and consolidated Total Income rose 44.24% to ₹ 31.20 Cr for FY26, indicating enhanced financial performance.
The strategic partnerships with institutions like ICICI Bank and HDFC Bank for gold loan syndication through Eclat Net Advisors Private Limited bolster operational capabilities.
👥 What This Means For Shareholders
✅
Action Required
No immediate action is required by shareholders based on this financial results announcement.
👤
Who Is Affected
All shareholders are affected by the company's financial performance, as reflected in the reported consolidated Net Profit of ₹ 15.15 Cr for FY26.
🔍
Management Signal
Management's commentary indicates a focus on scaling its asset-light, technology-led model and capitalizing on India's financial ecosystem opportunities.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q1 FY27 results — monitor continued growth in Total Income and Net Profit.
Updates on new corporate partnerships for Earned Wage Access platform.
Further details on gold loan syndication disbursements in subsequent quarters.
LOW RISK
The filing reports strong financial growth across key metrics.
💡 Investor Takeaway
Emerald Finance reported FY26 consolidated Total Income of ₹ 31.20 Cr, up 44.24% YoY, and Net Profit of ₹ 15.15 Cr, a 70.41% increase YoY. Q4 FY26 consolidated Net Profit was ₹ 4.36 Cr, rising 64.35% YoY.
⚖️ Strengths & Concerns
✅ Positives
- FY26 consolidated Net Profit increased by 70.41% to ₹ 15.15 Cr, demonstrating strong earnings growth.
- Consolidated Total Income for FY26 grew 44.24% to ₹ 31.20 Cr, reflecting broad-based revenue expansion.
📅 Company Track Record
Emerald Finance Limited is a non-deposit taking NBFC that received its license in 2015. It has expanded its offerings to include personal loans, business loans, and Earned Wage Access, operating as a loan origination platform for over 40 financial institutions.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Emerald Finance's consolidated Net Profit for FY26?
Emerald Finance's consolidated Net Profit for FY26 was ₹ 15.15 Cr, representing a 70.41% increase compared to FY25.
What was Emerald Finance's consolidated Total Income for FY26?
Emerald Finance reported a consolidated Total Income of ₹ 31.20 Cr for FY26, which is a 44.24% increase from FY25.
How many corporates did Emerald Finance partner with for its EWA platform in Q4 FY26?
Emerald Finance established partnerships with 34 additional corporates for its Earned Wage Access (EWA) platform during Q4 FY26.
What were the gold loan disbursements by Emerald Finance's subsidiary in Q4 FY26?
Emerald Finance's subsidiary, Eclat Net Advisors Private Limited, delivered gold loan disbursements exceeding ₹ 375 Cr during Q4 FY26.
Questions based on this BSE filing only. For information purposes.