Emerald Finance Limited Reports Q1 FY27 Financial Results: Net Profit Jumps 52.7% YoY to ₹4.88 Crore

Emerald Finance Limited has announced its un-audited consolidated financial results for the first quarter ended June 30, 2026. The Non-Banking Financial Company (NBFC) posted robust growth in top-line revenue and net profitability, supported by steady interest income and strong fee-based revenue streams.

Executive Financial Highlights

Total Income: Stood at ₹943.65 lakh in Q1 FY27, recording a 40.0% year-on-year (YoY) increase compared to ₹674.18 lakh in Q1 FY26 (CPLY). Sequentially, total income moderated by 3.3% from ₹975.65 lakh in Q4 FY26.

Total Expenses: Stood at ₹290.08 lakh for the quarter, up 17.2% YoY from ₹247.58 lakh in Q1 FY26, but down 23.9% sequentially from ₹381.26 lakh in Q4 FY26.

Profit Before Tax (PBT): Climbed 53.2% YoY to ₹653.57 lakh in Q1 FY27, compared to ₹426.60 lakh in CPLY and ₹594.39 lakh in Q4 FY26.

Net Profit After Tax (PAT): Rose 52.7% YoY to ₹487.52 lakh (₹4.88 crore) for Q1 FY27, compared to ₹319.23 lakh in Q1 FY26 and ₹435.57 lakh in Q4 FY26.

Total Comprehensive Income: Came in at ₹487.52 lakh for Q1 FY27, compared to ₹319.23 lakh in CPLY and ₹439.42 lakh in Q4 FY26.

Revenue & Operations Breakdown

Revenue from operations reached ₹943.56 lakh for the quarter ended June 30, 2026, registering a 40.5% YoY expansion over ₹671.39 lakh in Q1 FY26:

Interest Income: Expanded 23.4% YoY to ₹414.26 lakh in Q1 FY27, up from ₹335.61 lakh in Q1 FY26 and ₹393.72 lakh in Q4 FY26.

Fees-Based Income: Surged 57.6% YoY to ₹529.30 lakh during the quarter under review, compared to ₹335.78 lakh in Q1 FY26, though moderating sequentially from ₹581.36 lakh in Q4 FY26.

Other Income: Stood at ₹0.09 lakh for Q1 FY27 compared to ₹2.79 lakh in Q1 FY26.

Expense Dynamics & Cost Structure

Total expenses for Q1 FY27 moderated quarter-on-quarter primarily due to lower employee costs and other administrative expenditures:

Finance Costs: Stood at ₹81.91 lakh, up from ₹36.55 lakh in Q1 FY26 and ₹71.49 lakh in Q4 FY26.

Employee Benefit Expenses: Decreased to ₹93.92 lakh in Q1 FY27, down 22.9% YoY from ₹121.89 lakh in Q1 FY26 and down 38.4% QoQ from ₹152.44 lakh in Q4 FY26.

Fees & Commission Expenses: Stood at ₹31.29 lakh, comparable to ₹31.83 lakh in Q1 FY26.

Impairment of Financial Assets: Stood at ₹21.21 lakh for the quarter, compared to ₹15.74 lakh in CPLY and ₹12.38 lakh in Q4 FY26.

Depreciation & Amortisation: Recorded at ₹6.86 lakh.

Other Expenditure: Reduced to ₹54.89 lakh in Q1 FY27 from ₹57.31 lakh in CPLY and ₹81.47 lakh in Q4 FY26.

Tax Expenses & Capital Structure

Tax Expense: Total tax expense for Q1 FY27 stood at ₹166.05 lakh (comprising current tax of ₹166.45 lakh and deferred tax credit of ₹0.40 lakh), compared to ₹107.37 lakh in Q1 FY26.

Profit Attributable to Owners: Profit for the period attributable to owners of the holding company stood at ₹460.87 lakh, while ₹26.65 lakh was attributable to non-controlling interests.

Paid-Up Equity Share Capital: Stood at ₹3,454.03 lakh (face value of ₹10 per share) as of June 30, 2026.

Earnings Per Share (EPS): Basic and diluted EPS improved to ₹1.44 per share (not annualised) for Q1 FY27, up from ₹0.92 per share in Q1 FY26 and ₹1.27 per share in Q4 FY26.

Shares of Emerald Finance Ltd was last trading in BSE at Rs. 58.19 as compared to the previous close of Rs. 58.14. The total number of shares traded during the day was 75698 in over 349 trades.

The stock hit an intraday high of Rs. 60.00 and intraday low of 56.50. The net turnover during the day was Rs. 4387455.00.

Source : Equity Bulls

Keywords

EmeraldFinance INE030Q01015 FinancialServices Q1FY27 Q1FY2027 ResultUpdate