Emerald Finance Limited reported a consolidated net profit of ₹15.15 crore for the financial year ended March 31, 2026, marking a 70.3% increase from ₹8.89 crore in the previous year. The growth was primarily driven by a surge in fee-based income and total income, which reached ₹31.20 crore from ₹21.63 crore in FY25. The board has recommended a dividend of ₹0.10 per equity share for the fiscal year, subject to shareholder approval at the Annual General Meeting.

The board meeting, held on May 27, 2026, under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015, approved the audited financial statements for both standalone and consolidated results. Statutory auditors S. Lal Bansal & Co. issued an unmodified opinion on the annual financial results, confirming no material discrepancies. The meeting commenced at 1.00 P.M. and concluded at 4.45 P.M.

Financial Performance

Total revenue from operations for the consolidated entity grew to ₹31.20 crore in FY26 from ₹21.63 crore in the prior year. Interest income also increased to ₹14.53 crore from ₹10.32 crore. On a standalone basis, net profit for the year stood at ₹11.55 crore, compared to ₹6.44 crore in FY25, with total revenue reaching ₹20.78 crore.

For the quarter ended March 31, 2026, the consolidated net profit was ₹4.36 crore, while standalone profit after tax was ₹2.78 crore. Basic earnings per share (EPS) on a consolidated basis for the year were ₹4.36, up from ₹2.56 in the previous year.

The company's assets under management expanded, with consolidated loans reaching ₹111.06 crore as of March 31, 2026, compared to ₹80.26 crore a year earlier. The statutory auditors confirmed that the impairment allowances under Ind AS 109 exceeded the total provision required under IRACP norms, necessitating no transfer to the impairment reserve.

Strategic Overview

Emerald Finance operates as a diversified financial platform focused on lending, distribution and earned wage access (EWA). The company's integrated model combines these verticals to build long-term value. Its core products include EWA, Gold Loan, Personal Loan, Business Loan and Home Loan. The company works with 40+ financial institutions PAN India to enable broad product access through a strong partner network.

The EWA segment addresses the mid-month cash gap for employees, allowing them to access earned salary before payday. This solution is 100% digital, secure and employer-verified. The business model is asset-light, generating revenue through transaction fees and value-added services. The company reported 22 crores in monthly EWA volume, 214 corporate partners and 4,000 monthly active users.

emerald finance has scheduled an earnings conference call to discuss its financial performance for the quarter ended March 31, 2026. The meeting will be held on June 1, 2026, at 4:00 PM. The company filed the intimation under Regulation 30 of the SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015.

The conference call will feature key members of the management team, including the Managing Director, the Chief Risk Officer, and the Head of Business Development. They will provide insights into the operational and financial results of Q4FY26.

Joining Details

Participants can join the call via universal dial-in numbers or through a web-based registration platform. The company recommends dialing in 10 minutes prior to the scheduled start time to ensure timely connection.

Management Speakers

The discussion will be led by the following executives:

• Mr. Sanjay Aggarwal, Managing Director
• Mrs. Gurmeet Kaur, Chief Risk Officer
• Mr. Talin Aggarwal, Head, Business Development

The company has advised that statements made during the call may be forward-looking and subject to risks and uncertainties. Actual results could differ materially from those discussed.