Emerald Leasing Finance & Investment Company Ltd Q3 FY26 Results
EMERALDQ3 FY26 ResultsAnnounced 16 Jan, 5:27 pm| Metric | Value (₹ Cr) | vs Q2 FY26 |
|---|---|---|
| Revenue | 7.80 | 13.0% |
| Total Income | 7.80 | 13.0% |
| Expenditure | 2.46 | 17.6% |
| PBT | 5.34 | 11.0% |
| Net Profit | 4.00 | 11.0% |
| OPM | 77.25% | 1.28pp |
| NPM | 51.24% | 0.93pp |
| EPS | 1.16 | 11.5% |
Emerald Finance's Standalone Net Profit Surges by 104% YoY in 9M FY26, CRISIL Credit Rating Upgraded to BBB- from BB+
22 Jan 2026 · 22 Jan, 12:23 pm
Summary
Emerald Finance Limited announced its Unaudited Financial Results for Q3 FY26 & 9M FY26 on 16th January. The company's standalone net profit grew by 104% YoY in 9M FY26. The CRISIL credit rating has been upgraded to BBB- from BB+. The company's total income, EBITDA, and net profit have shown significant growth in Q3 FY26 and 9M FY26.
Key Highlights
- 1
Emerald Finance's Standalone Net Profit Grows by 104 % YoY in 9M FY26
- 2
CRISIL Credit Rating Upgraded to BBB- from BB+
- 3
Over 35 corporates onboarded on EWA platform in Q3 FY26
- 4
Gold loan syndication business disbursed over 2105 crore in December
- 5
Partnership with Muthoot Fincorp Limited for Gold Loans and Personal Loans
- 6
Introduction of WhatsApp-based withdrawal feature for EWA customers
- 7
Emerald Finance Limited is a Chandigarh-based non-deposit taking NBFC
- 8
Focus on retail and MSME lending and acts as a loan origination platform
- 9
Developed Emerald Early-Wage-Access, a fully digital product
- 10
For FY25, the company has reported Total Income of 21.63 Cr, EBITDA of 15.07 Cr & Net Profit of 8.89 Cr on consolidated basis
Management Comments
Mr. Sanjay Aggarwal
Managing Director of Emerald Finance Limited
Q3 FY26 has been another strong quarter for Emerald Finance, driven by sustained traction across our Earned Wage Access (EWA) and gold loan syndication businesses... These developments reinforce our confidence in scaling our asset-light, technology-led business model amid India’s rapidly evolving financial ecosystem... The recent upgrade of our long-term credit rating to CRISIL BBB-/Stable from CRISIL BB+/Stable further strengthens our financial profile and is expected to support a reduction in our cost of funds, enhancing overall profitability going forward... Emerald is well positioned within this landscape through its technology led, asset-light model and inclusive financial approach.
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