Emerald Finance Limited Delivers Strong Consolidated Q2 FY27 Results; Total Income Reaches Rs 10.07 Cr with PAT Surging 47.14%

Q2 FY27

• Total Income of ₹10.07 Cr, YoY growth of 45.81%
• EBITDA of ₹8.39 Cr, YoY growth of 54.75%
• PAT of ₹5.30 Cr, YoY growth of 47.14%
• EPS of ₹1.51, YoY growth of 45.19%

H1 FY27

• Total Income of ₹19.51 Cr, YoY growth of 42.94%
• EBITDA of ₹15.82 Cr, YoY growth of 52.50%
• PAT of ₹10.18 Cr, YoY growth of 49.80%
• EPS of ₹2.95, YoY growth of 49.75%

About Emerald Finance Limited

Emerald Finance Limited previously known as Emerald Leasing Finance and Investment Company Limited, is a Chandigarh-based non-deposit taking NBFC. It focuses on retail and MSME lending and acts as a loan origination platform for over 50 financial institutions through its subsidiary, Eclat Net Advisors Private Limited. Since receiving its NBFC license in 2015, Emerald has broadened its offerings to include personal loans, business loans and Early Wage Access. Emerald’s loan origination platform collaborates with numerous financial institutions, serving thousands of customers monthly. Recently, it developed Emerald Early-Wage-Access, a fully digital product providing short-term loans via salary advances, in partnership with employers. This product, inspired by similar trends in the US and Europe, is poised for significant future growth, leveraging Emerald’s prior experience in the field. 

For FY26, the company has reported Total Income of ₹ 31.20 Cr, EBITDA of ₹ 23.23 Cr & PAT of ₹ 15.15 Cr on consolidated basis.

Disclaimer Certain statements in this document that are not historical facts are forward looking statements. Such forward-looking statements are subject to certain risks and uncertainties like government actions, local, political or economic developments, technological risks, and many other factors that could cause actual results to differ materially from those contemplated by the relevant forward-looking statements. The Company will not be in any way responsible for any action taken based on such statements and undertakes no obligation to publicly update these forward-looking statements to reflect subsequent events or circumstances