Mumbai (Maharashtra) [India], May 29: Emerald Finance Limited (BSE: EMERALD), one of the dynamic company offering a spectrum of financial products and services including its flagship Earned Wage Access (EWA) in India, has announced its Audited Financial Results for Q4 FY26 & FY26.
Key Financial Highlights
Standalone Key Financial Highlights – Q4 FY26:
• Total Income of ₹5.85 Cr, YoY growth of 27%
• EBITDA of ₹4.39 Cr, YoY growth of 27%
• Net Profit of ₹2.78 Cr, YoY growth of 29%
• EPS of ₹0.81, YoY growth of 29%
Consolidated Key Financial Highlights – Q4 FY26:
• Total Income of ₹9.76 Cr, YoY growth of 50%
• EBITDA of ₹6.83 Cr, YoY growth of 55%
• Net Profit of ₹4.36 Cr, YoY growth of 64%
• EPS of ₹1.27, YoY growth of 67%
Standalone Key Financial Highlights – FY26:
• Total Income of ₹20.78 Cr, YoY growth of 54%
• EBITDA of ₹17.41 Cr, YoY growth of 63%
• Net Profit of ₹11.55 Cr, YoY growth of 79%
• EPS of ₹3.33, YoY growth of 80%
Consolidated Key Financial Highlights – FY26:
• Total Income of ₹31.20 Cr, YoY growth of 44%
• EBITDA of ₹23.23 Cr, YoY growth of 56%
• Net Profit of ₹15.15 Cr, YoY growth of 70%
• EPS of ₹4.36, YoY growth of 70%
Comment on Financial Performance Mr. Sanjay Aggarwal, Managing Director of Emerald Finance Limited said, “Q4 FY26 has been a strong quarter for Emerald Finance, with meaningful progress across both our core businesses. We successfully onboarded 34 additional corporates onto our EWA platform, reinforcing its growing adoption among employers and expanding our reach within India’s formal workforce.
Our gold loan syndication business, operated through our subsidiary Eclat Net Advisors Private Limited, delivered disbursements exceeding ₹375 Cr during the quarter, in partnership with leading institutions including ICICI Bank, HDFC Bank, RBL Bank, and Muthoot Finance.
These results reflect the continued scalability of our asset-light, technology-led model and strengthen our confidence in delivering sustainable growth. With India’s financial ecosystem offering significant tailwinds, Emerald Finance remains well positioned to capitalize on emerging opportunities and create long-term value for our stakeholders.”
Q4 FY26 Key Business Highlights
| Corporate Partnerships for EWA | Established partnerships with 34 leading corporatesExpanded presence in the Earned Wage Access (EWA) ecosystem |
| Gold Loan Disbursement | Disbursed over ₹375 Cr under Gold Loan segmentStrategic partnerships with ICICI Bank, HDFC Bank, RBL Bank, and Muthoot Finance through Eclat Net Advisors Private Limited |
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