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Emerald Finance (BSE 538882)₹57.03−2.68%Non Banking Financial Company (NBFC)
In the Jun 2026 quarter (consolidated), Emerald Finance reported revenue of ₹9.45 Cr, up 40.6% from Jun 2025, and net profit of ₹4.87 Cr, up 53.1% year on year. For the year to Mar 2026, revenue were ₹31.06 Cr and net profit ₹14.98 Cr.
Company filings, consolidated accounts; latest reported quarter Jun 2026
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.25 | 3.43 | 3.90 | 4.40 | 5.01 | 5.73 | 6.46 | 6.72 | 6.92 | 7.81 | 9.77 | 9.45 |
| Interest | 0.25 | 0.43 | 0.49 | 0.65 | 0.75 | 0.76 | 0.71 | 0.67 | 0.60 | 0.68 | 0.70 | 0.81 |
| Net interest income | 3.00 | 3.00 | 3.41 | 3.75 | 4.26 | 4.97 | 5.75 | 6.05 | 6.32 | 7.13 | 9.07 | 8.64 |
| Expenses | 1.72 | 1.39 | 1.82 | 1.44 | 1.49 | 1.65 | 2.07 | 1.79 | 1.47 | 1.76 | 2.93 | 2.01 |
| Financing Profit | 1.26 | 1.59 | 1.57 | 2.29 | 2.75 | 3.30 | 3.66 | 4.24 | 4.82 | 5.35 | 6.11 | 6.61 |
| Financing Margin % | 38.7% | 46.3% | 40.2% | 52.0% | 54.9% | 57.6% | 56.6% | 63.1% | 69.8% | 68.5% | 62.6% | 70.0% |
| Other Income | 0.03 | 0.02 | 0.03 | 0.02 | 0.02 | 0.03 | 0.04 | 0.04 | 0.00 | 0.00 | 0.02 | 0.00 |
| Depreciation | 0.00 | 0.00 | 0.05 | 0.00 | 0.00 | 0.00 | 0.09 | 0.00 | 0.00 | 0.00 | 0.16 | 0.08 |
| Profit before tax | 1.28 | 1.60 | 1.53 | 2.30 | 2.76 | 3.32 | 3.61 | 4.27 | 4.82 | 5.35 | 5.95 | 6.54 |
| Tax % | 25.1% | 25.8% | 25.0% | 25.3% | 25.0% | 25.1% | 26.4% | 25.1% | 25.1% | 25.0% | 26.7% | 25.4% |
| Net Profit | 0.94 | 1.18 | 1.12 | 1.70 | 2.04 | 2.47 | 2.64 | 3.18 | 3.59 | 3.99 | 4.34 | 4.87 |
| EPS (Rs) | 0.31 | 0.38 | 0.36 | 0.56 | 0.62 | 0.72 | 0.73 | 0.91 | 1.03 | 1.10 | 1.16 | 1.32 |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.01 | 2.01 | 4.01 | 7.01 | 8.02 | 5.01 | 8.02 | 12.03 | 13.02 | 22.05 | 31.06 | 33.95 |
| Interest | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.99 | 0.99 | 0.99 | 2.99 | 2.99 | 2.79 |
| Net interest income | 1.01 | 2.01 | 4.01 | 7.01 | 8.02 | 5.01 | 7.03 | 11.04 | 12.03 | 19.06 | 28.07 | 31.16 |
| Expenses | 0.99 | 0.99 | 3.99 | 4.98 | 5.98 | 2.99 | 4.98 | 5.97 | 5.97 | 5.97 | 7.96 | 8.17 |
| Financing Profit | 0.00 | 0.00 | 1.01 | 2.01 | 2.01 | 2.01 | 3.01 | 5.01 | 6.01 | 12.02 | 20.01 | 22.89 |
| Financing Margin % | 21.1% | 17.1% | 18.1% | 24.1% | 21.1% | 36.1% | 40.0% | 41.1% | 42.1% | 56.1% | 66.1% | 67.4% |
| Other Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.02 |
| Depreciation | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.24 |
| Profit before tax | 0.00 | 0.00 | 1.01 | 2.01 | 2.01 | 2.01 | 3.01 | 5.01 | 6.02 | 12.03 | 20.05 | 22.66 |
| Tax % | 30.9% | 29.0% | 26.0% | 28.0% | 20.9% | 26.0% | 26.0% | 25.0% | 26.0% | 25.0% | 26.0% | — |
| Net Profit | 0.00 | 0.00 | 0.99 | 0.99 | 0.99 | 0.99 | 1.99 | 2.99 | 3.99 | 8.99 | 14.98 | 16.79 |
| EPS (Rs) | 0.02 | 0.06 | 0.18 | 0.40 | 0.43 | 0.47 | 0.84 | 1.14 | 1.36 | 2.61 | 4.18 | 4.61 |
| Dividend payout % | 0.0% | 0.0% | 0.0% | 0.0% | 18.1% | 6.0% | 12.0% | 9.1% | 7.0% | 6.0% | 2.0% | — |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 3.01 | 3.01 | 3.01 | 3.01 | 9.03 | 9.04 | 9.03 | 29.12 | 30.13 | 30.14 | 35.13 | 35.16 |
| Reserves | 0.00 | 0.00 | 1.01 | 2.01 | 5.02 | 6.02 | 7.02 | 9.04 | 13.05 | 17.07 | 50.18 | 62.27 |
| Borrowings | 0.00 | 0.00 | 0.00 | 1.01 | 1.01 | 3.01 | 3.01 | 5.02 | 5.02 | 15.06 | 16.06 | 17.07 |
| Other Liabilities | 0.00 | 0.00 | 1.00 | 0.99 | 1.00 | 2.00 | 4.01 | 3.01 | 3.01 | 3.02 | 6.03 | 7.03 |
| Total Liabilities | 3.01 | 3.01 | 5.02 | 7.02 | 16.06 | 20.07 | 23.07 | 46.19 | 52.21 | 65.29 | 106 | 122 |
| Fixed Assets | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 1.01 | 1.01 | 1.01 |
| CWIP | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Investments | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Assets | 3.01 | 3.01 | 5.02 | 7.02 | 16.06 | 20.07 | 23.07 | 45.19 | 51.21 | 64.28 | 105 | 120 |
| Trade receivables | 0.00 | 0.00 | 0.00 | 1.01 | 1.01 | 1.01 | 0.00 | 1.01 | 1.01 | 2.01 | 2.01 | 3.01 |
| Cash & equivalents | 1.01 | 0.00 | 0.00 | 2.01 | 4.01 | 2.01 | 4.01 | 2.01 | 7.02 | 3.01 | 18.04 | 5.01 |
| Total Assets | 3.01 | 3.01 | 5.02 | 7.02 | 16.06 | 20.07 | 23.07 | 46.19 | 52.21 | 65.29 | 106 | 122 |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | 0.00 | 0.00 | −4.99 | −3.99 | 2.99 | −22.95 | 1.99 | −10.98 | −12.97 | −9.99 |
| Cash from investing activity | −1.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | −1.01 |
| Cash from financing activity | 2.01 | 1.01 | 8.02 | 1.01 | 0.00 | 21.06 | 3.01 | 8.03 | 28.08 | −2.01 |
| Net cash flow | 0.00 | 0.99 | 2.99 | −2.99 | 1.99 | −1.99 | 4.99 | −3.99 | 14.96 | −12.98 |
| Capex | 0.02 | 0.02 | 0.06 | 0.02 | 0.00 | 0.04 | 0.06 | 0.45 | 0.25 | 0.84 |
| Free cash flow | −1.01 | 0.00 | −5.01 | −4.01 | 3.01 | −23.03 | 1.01 | −12.02 | −14.01 | −11.02 |
| CFO / OP % | −166.1% | 9.0% | −276.0% | −178.1% | 106.9% | −586.1% | 27.0% | −159.1% | −88.1% | −28.1% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 3.0% | 3.0% | 5.0% | 11.9% | 11.9% | 9.0% | 9.0% | 9.0% | 9.0% | 8.9% | 14.0% | 15.9% |
For the Jun 2026 quarter, Emerald Finance reported revenue of ₹9.45 Cr, up 40.6% year on year and net profit of ₹4.87 Cr, up 53.1% year on year.
Emerald Finance's revenue for the year to Mar 2026 were ₹31.06 Cr; over the last twelve months they were ₹33.95 Cr.
Net profit for the year to Mar 2026 was ₹14.98 Cr, and ₹16.79 Cr over the last twelve months. Earnings per share over the same trailing period were ₹4.61.
Cash from operations was −₹9.99 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹11.02 Cr.