| Quarterly Financials | Jun 2018 | Sept 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sept 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sept 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
Revenue  | 1 | 1 | 2 | 3 | 2 | 2 | 2 | 2 | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 2 | 3 | 4 | 3 | 3 | 3 | 4 | 4 | 5 | 6 | 7 | 7 | 7 |
| Expenses | 1 | 1 | 2 | 2 | 1 | 1 | 1 | 2 | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 2 | 1 | 2 | 2 | 2 | 2 | 2 | 2 | 2 |
| EBITDA | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 2 | 2 | 2 | 3 | 4 | 4 | 5 | 5 | 5 |
| Operating Profit % | 8 % | 13 % | 29 % | 38 % | 37 % | 26 % | 31 % | 14 % | 39 % | 54 % | 42 % | 37 % | 49 % | 49 % | 46 % | 39 % | 36 % | 40 % | 57 % | 50 % | 49 % | 47 % | 59 % | 53 % | 67 % | 70 % | 71 % | 70 % | 73 % | 79 % |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 |
| Profit Before Tax | 0 | 0 | 1 | 1 | 1 | 0 | 1 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 1 | 1 | 2 | 2 | 2 | 3 | 3 | 4 | 4 | 5 |
| Tax | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 |
| Net Profit | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 2 | 2 | 3 | 3 | 3 | 4 |
| EPS in ₹ | 0.13 | 0.40 | 1.93 | 0.80 | 0.51 | 0.29 | 0.47 | 0.16 | 0.16 | 0.35 | 0.47 | 0.55 | 0.19 | 0.23 | 0.25 | 0.19 | 0.16 | 0.20 | 0.37 | 0.42 | 0.28 | 0.32 | 0.39 | 0.38 | 0.57 | 0.63 | 0.73 | 0.77 | 0.92 | 1.04 |
Emerald Finance
Emerald Finance
88.99
+4.49
(5.31%)
There are new updates from the company1 day ago
View
Key Fundamentals
Market Cap
291.90 Cr
EPS
2.57
PE Ratio
24.49
Dividend Yield
0.18 %
Industry
Financial Services 52 Week High
167.65
52 Week Low
70.04
PB Ratio
3.21
Debt to Equity
0.23
Sector
NBFC Actual
Company News
View All News
Emerald Finance Limited reported robust quarterly results with total income rising 37.85% to ₹6.91 crores in Q2 FY26 compared to ₹5.01 crores in Q2 FY25. Net profit surged 75.47% to ₹3.60 crores from ₹2.05 crores year-over-year. EBITDA increased 54.80% to ₹5.42 crores. For the half-year period, total income grew 45.04% to ₹13.65 crores while net profit jumped 80.56% to ₹6.79 crores. The Chandigarh-based NBFC launched its 'Emerald EWA' mobile app on Google Play for corporate partners and employees. The company achieved gold loan disbursements of over ₹115 crores during the quarter and has onboarded 145 corporates on its Earned Wage Access platform. Managing Director Sanjay Aggarwal highlighted the strong momentum across key business segments and the scalability of their asset-light, technology-driven model. The company operates through its subsidiary Eclat Net Advisors Private Limited as a loan origination platform for over 40 financial institutions.
Emerald Finance Partners with Shreeja Diamond & Jewellery for Employee Salary Advance Program
1 day ago
1 day agoEmerald Finance Limited has partnered with Shreeja Diamond & Jewellery Manufacturing LLP to launch an Early-Wage-Access program. The program allows employees to access portions of their salaries throughout the month, providing instant financial relief. The partnership aligns with Emerald Finance's vision to expand its offerings and serve retail customers through salary advance solutions. Under this product structure, the company provides short-term loans as salary advances to employees, with repayment collected through salary deductions.
Emerald Finance Limited announced strong financial performance for H1 FY26, with standalone net profit growing 120% year-over-year to ₹5.61 crore compared to ₹2.54 crore in H1 FY25. Total income increased 77% to ₹9.63 crore from ₹5.45 crore. For Q2 FY26, standalone net profit rose 107% to ₹2.98 crore. The company launched its 'Emerald EWA' mobile app on Google Play and has onboarded 145 corporates on its Earned Wage Access platform. Gold loan syndication business achieved disbursements of over ₹115 crore during Q2 FY26. Managing Director Sanjay Aggarwal highlighted the company's technology-driven, asset-light model and strong momentum across key business segments. The Chandigarh-based NBFC focuses on retail and MSME lending and operates as a loan origination platform for over 40 financial institutions through its subsidiary.
View more
Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
1,094.15 | #1 6,76,072.70 | 38.35 | #1 69,724.80 | 26.81 | #1 16,780 | 21.81 | 74.26 | |
309.05 | 1,98,091.00 | 121.34 | 2,078.90 | 12.09 | 1,613 | 0.86 | 53.92 | |
1,684.70 | 1,40,538.90 | 31.65 | 26,152.80 | 34.67 | 4,260 | 20.12 | 60.72 | |
3,182.10 | 1,31,468.90 | 21.44 | 20,324.50 | 34.04 | 5,352 | 65.12 | 65.06 | |
709.65 | 1,30,777.10 | 13.47 | 41,859.50 | 19.61 | 9,423 | 6.34 | 72.85 | |
928.60 | 89,131.20 | 47.45 | 18,637.10 | 6.60 | 1,916 | -6.48 | 68.92 | |
3,097.80 | 54,195.90 | #1 13.25 | 4,612.20 | #1 76.63 | 4,241 | -14.01 | 52.91 | |
4,609.40 | 50,515.60 | 26.32 | 8,563.00 | 17.53 | 1,813 | 9.27 | 53.14 | |
298.20 | 41,733.90 | 18.20 | 18,530.50 | 16.03 | 2,261 | 6.44 | 68.66 | |
489.65 | 40,121.50 | 192.13 | 4,222.80 | 34.17 | -98 | #1 115.75 | 54.35 |
Growth Rate
Revenue Growth
61.19 %
Net Income Growth
119.51 %
Cash Flow Change
-18.25 %
ROE
21.78 %
ROCE
31.58 %
EBITDA Margin (Avg.)
31.69 %
Quarterly Financial Results
Balance Sheet
| Balance Sheet | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 46 | 52 | 65 | 106 |
| Fixed Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Current Assets | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 9 | 9 | 9 | 24 |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 |
| Other Assets | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 45 | 51 | 64 | 105 |
| Total Liabilities | 3 | 3 | 5 | 7 | 16 | 20 | 23 | 46 | 52 | 65 | 106 |
| Current Liabilities | 0 | 0 | 0 | 1 | 1 | 2 | 3 | 3 | 2 | 2 | 4 |
| Non Current Liabilities | 0 | 0 | 0 | 1 | 1 | 3 | 3 | 5 | 5 | 15 | 16 |
| Total Equity | 3 | 3 | 4 | 6 | 14 | 15 | 17 | 38 | 44 | 48 | 86 |
| Reserve & Surplus | 0 | 0 | 1 | 2 | 5 | 6 | 7 | 9 | 13 | 17 | 50 |
| Share Capital | 3 | 3 | 3 | 3 | 9 | 9 | 9 | 29 | 30 | 30 | 35 |
Cash Flow
| Cash Flow | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 0 | 0 | 0 | 1 | 3 | -3 | 3 | -2 | 5 | -4 | 15 |
| Investing Activities | 0 | 0 | -1 | -0 | -0 | -0 | -0 | -0 | -0 | 0 | -0 |
| Operating Activities | 0 | 0 | -1 | 0 | -5 | -4 | 3 | -23 | 2 | -11 | -13 |
| Financing Activities | 0 | 0 | 2 | 1 | 8 | 1 | 0 | 21 | 3 | 8 | 28 |
Share Holding
| % Holding | Mar 2021 | Jun 2021 | Sept 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sept 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sept 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
| Promoter | 66.42 % | 73.26 % | 73.26 % | 73.26 % | 72.51 % | 70.36 % | 70.36 % | 67.80 % | 67.80 % | 67.80 % | 67.80 % | 67.80 % | 67.80 % | 67.80 % | 62.35 % | 60.51 % | 59.50 % | 59.50 % |
| FIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 1.31 % | 1.31 % | 1.31 % | 9.15 % | 9.78 % | 9.36 % | 5.96 % |
| DIIs | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 24.30 % | 20.92 % | 21.17 % | 20.92 % | 22.02 % | 23.54 % | 24.05 % | 22.91 % | 22.82 % | 22.90 % | 23.46 % | 24.75 % | 24.82 % | 25.03 % | 22.86 % | 23.32 % | 24.91 % | 28.55 % |
| Others | 9.29 % | 5.82 % | 5.57 % | 5.82 % | 5.46 % | 6.09 % | 5.59 % | 9.30 % | 9.38 % | 9.30 % | 8.75 % | 6.15 % | 6.07 % | 5.86 % | 5.63 % | 6.39 % | 6.23 % | 5.98 % |
| No of Share Holders | 966 | 1,097 | 1,179 | 1,392 | 1,488 | 1,707 | 2,145 | 2,509 | 2,976 | 3,289 | 3,493 | 4,209 | 4,332 | 4,331 | 6,414 | 8,371 | 9,883 | 10,287 |
Dividend History
| Annual Cash Flows | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Per Share (₹) | 0.00 | 0.00 | 0.00 | 0.00 | 0.25 | 0.1 | 0.1 | 0.1 | 0.1 | 0.15 |
| Dividend Yield (%) | 0.00 | 0.00 | 0.00 | 0.00 | 2.01 | 0.61 | 0.42 | 0.27 | 0.1 | 0.18 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 28 Jan 2021 |  Rights | 42:19 | 27 Jan 2021 | 10.38 | 12.50 |
| 24 Sept 2021 |  Dividend | ₹ 0.10 /share | 23 Sept 2021 | 18.45 | 18.00 |
| 23 Sept 2022 | Dividend | ₹ 0.10 /share | 23 Sept 2022 | 14.85 | 20.15 |
| 17 Dec 2022 |  Change Of Name | NA | 17 Dec 2022 | 28.45 | 28.45 |
| 23 Sept 2023 | Dividend | ₹ 0.10 /share | 22 Sept 2023 | 22.37 | 19.28 |
| 19 Apr 2024 |  Extraordinary General Meeting | NA | 19 Apr 2024 | 31.95 | 34.68 |
| 23 Sept 2024 | Dividend | ₹ 0.10 /share | 23 Sept 2024 | 33.79 | 66.68 |
| 30 Sept 2024 |  Annual General Meeting | NA | 30 Sept 2024 | 72.76 | 74.13 |
| 08 Oct 2024 |  Quarterly Result Announcement | NA | 08 Oct 2024 | 72.65 | 72.57 |
| 21 Dec 2024 | Extraordinary General Meeting | NA | 21 Dec 2024 | 102.54 | 133.95 |
| 06 Jan 2025 | Quarterly Result Announcement | NA | 06 Jan 2025 | 131.05 | 124.00 |
| 31 Jan 2025 | Dividend | ₹ 0.06 /share | 31 Jan 2025 | 162.30 | 136.90 |
| 25 Mar 2025 | Extraordinary General Meeting | NA | 25 Mar 2025 | 106.10 | 103.80 |
| 22 May 2025 | Quarterly Result Announcement | NA | 22 May 2025 | 95.91 | 94.45 |
| 11 Jul 2025 | Quarterly Result Announcement | NA | 11 Jul 2025 | 74.60 | 90.66 |
| 23 Sept 2025 | Dividend | ₹ 0.09 /share | 23 Sept 2025 | 94.45 | 78.51 |
| 30 Sept 2025 | Annual General Meeting | NA | 30 Sept 2025 | 82.10 | 76.19 |
| 15 Oct 2025 | Quarterly Result Announcement | NA | 15 Oct 2025 | 76.97 | 90.30 |
Announcements
Announcement under Regulation 30 (LODR)-Investor Presentation7 hours ago
7 hours agoAnnouncement Under Regulation 30 Of LODR Regulations 20151 day ago
1 day agoAnnouncement under Regulation 30 (LODR)-Newspaper Publication6 days ago
6 days agoSubmission Of Revised Financial Results For The Quarter Ended 30.09.20257 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation7 days ago
7 days agoAnnouncement under Regulation 30 (LODR)-Press Release / Media Release7 days ago
7 days agoBoard Meeting Outcome for Outcome Of Board Meeting Dated 15.10.20258 days ago
8 days agoUnaudited Financial Results For The Quarter Ended 30.09.20258 days ago
8 days agoCompliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 201810 days ago
10 days agoAnnouncement Under Regulation 30 Of LODR Regulations 2015Oct 08, 2025
Oct 08, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 07, 2025
Oct 07, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Oct 07, 2025
Oct 07, 2025Board Meeting Intimation for Considering And Approving Unaudited Financial Results For The Quarter Ended 30.09.2025Oct 06, 2025
Oct 06, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportOct 01, 2025
Oct 01, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Oct 01, 2025
Oct 01, 2025Closure of Trading WindowSep 30, 2025
Sep 30, 2025Proceedings Of Annual General MeetingSep 30, 2025
Sep 30, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMSep 30, 2025
Sep 30, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 29, 2025
Sep 29, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 26, 2025
Sep 26, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 24, 2025
Sep 24, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 22, 2025
Sep 22, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 19, 2025
Sep 19, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 17, 2025
Sep 17, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 15, 2025
Sep 15, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 11, 2025
Sep 11, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 10, 2025
Sep 10, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 08, 2025
Sep 08, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationSep 05, 2025
Sep 05, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 05, 2025
Sep 05, 2025Notice Of 42Nd Annual General MeetingSep 04, 2025
Sep 04, 2025Reg. 34 (1) Annual Report.Sep 04, 2025
Sep 04, 2025Intimation Of 42Nd Annual General MeetingSep 03, 2025
Sep 03, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Sep 03, 2025
Sep 03, 2025Announcement Under Regulation 30 Of LODR Regulations 2019Sep 02, 2025
Sep 02, 2025Announcement Under Regulation 30 Of LODR 2015Sep 01, 2025
Sep 01, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Aug 29, 2025
Aug 29, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Aug 27, 2025
Aug 27, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Aug 26, 2025
Aug 26, 2025Board Fixed Book Closure DatesAug 26, 2025
Aug 26, 2025Board Fixed Record Date For DividendAug 26, 2025
Aug 26, 2025Board Meeting Outcome for Outcome Of Board Meeting Dated 26.08.2025Aug 26, 2025
Aug 26, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Aug 25, 2025
Aug 25, 2025Disclosures under Reg. 29(2) of SEBI (SAST) Regulations 2011Aug 22, 2025
Aug 22, 2025Announcement Under Regulation 30 LODR Regulations 2015Aug 14, 2025
Aug 14, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Aug 13, 2025
Aug 13, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Aug 08, 2025
Aug 08, 2025Announcement under Regulation 30 (LODR)-Press Release / Media ReleaseAug 05, 2025
Aug 05, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Aug 01, 2025
Aug 01, 2025Announcement Under Regulation 30 Of LODR Regulations 2015Jul 30, 2025
Jul 30, 2025Technical Indicators
RSI(14)
Neutral 55.12
ATR(14)
Less Volatile 6.16
STOCH(9,6)
Neutral 48.85
STOCH RSI(14)
Neutral 32.58
MACD(12,26)
Bullish 0.27
ADX(14)
Weak Trend 18.67
UO(9)
Bearish 51.63
ROC(12)
Uptrend And Accelerating 9.78
WillR(14)
Neutral -54.37
we are part of Raise Financial Services
built with love
for indians who love to invest & trade
Market Community
Follow us on
