Emerald Finance Q1FY27 net profit rises 31% YoY to ₹487.52 lakh
Emerald Finance Limited reported a 31.2% year-on-year increase in consolidated net profit to ₹487.52 lakh for Q1FY27, with total revenue from operations rising 40.5% to ₹943.56 lakh. The Board approved the unaudited financial results on July 22, 2026, which were reviewed by statutory auditors. Standalone net profit increased to ₹345.33 lakh, supported by higher interest and fee-based income.
*this image is generated using AI for illustrative purposes only.
Emerald Finance Limited reported a 31.2% year-on-year increase in consolidated net profit to ₹487.52 lakh for the quarter ended June 30, 2026. Total revenue from operations rose 40.5% to ₹943.56 lakh, driven by growth in both interest and fee-based income. The Board of Directors approved the unaudited financial results for the standalone and consolidated entities at a meeting held on July 22, 2026.
Consolidated Financial Performance
The company’s consolidated total income for Q1FY27 stood at ₹943.65 lakh, compared to ₹674.18 lakh in the corresponding period of the previous year. Profit before tax for the quarter increased to ₹653.57 lakh from ₹426.60 lakh in Q1FY26. The statutory auditors reviewed the results and issued an unmodified audit opinion.
| Metric | Q1FY27 (₹ in Lakhs) | Q1FY26 (₹ in Lakhs) |
|---|---|---|
| Total Revenue from Operations | 943.56 | 671.39 |
| Total Expenses | 290.08 | 247.58 |
| Profit Before Tax | 653.57 | 426.60 |
| Net Profit | 487.52 | 319.23 |
| Basic EPS (not annualised) | 1.44 | 0.92 |
Standalone Results
On a standalone basis, Emerald Finance recorded a net profit of ₹345.33 lakh for the quarter, up from ₹263.24 lakh in the same quarter last year. Total revenue from operations increased to ₹627.34 lakh from ₹470.78 lakh. Interest income for the quarter stood at ₹344.54 lakh, while fee-based income contributed ₹282.80 lakh.
The financial results were prepared in accordance with Indian Accounting Standards (Ind AS) and comply with the Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015. The company noted that its impairment allowances under Ind AS 109 exceed the total provision required under IRACP norms, so no amount was required to be transferred to the impairment reserve as of March 31, 2026.
Historical Stock Returns for Emerald Finance
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -4.79% | -10.62% | -7.57% | -30.54% | -41.76% | +170.21% |
What factors are driving the significant growth in fee-based income, and is this trend sustainable?
How will the company's capital allocation strategy evolve given the 31.2% surge in net profit?
What are the management's projections for loan growth and net interest margins for the remainder of FY27?
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