Emerald Finance Ltd (BOM:538882)

Q1 2026 Emerald Finance Ltd Earnings Call Transcript

Jul 15, 2025 / 12:00 PM GMT

Release Date Price: ₹90.57 (-1.99%)

Transcript

Key Points

Positve

Emerald Finance Ltd (BOM:538882) reported a significant year-on-year growth in total income by 53.22% and net profit by 86% on a consolidated basis.
The company has successfully partnered with over 90 corporates and aims to reach 250 by the end of the year, with a long-term goal of 1,000+ corporate partnerships.
Emerald Finance Ltd is launching a new app this quarter, which is expected to enhance disbursement rates and provide better direction.
The company maintains a strong control over NPAs, with only two small delinquent accounts, both of which are expected to be recovered soon.
Emerald Finance Ltd has a diversified portfolio, including business loans, personal loans, and the EWA product, contributing to growth in revenue and profitability.

Negative

The company faces challenges in achieving its target of onboarding 250 EWA clients by the end of the financial year.
There is a concern regarding a large stakeholder selling a significant portion of their stock in the open market.
The invoice discounting market is perceived as risky, leading to a cautious approach in its expansion.
Emerald Finance Ltd's cash flow from operations has been reported as negative, indicating high disbursement rates.
The company's debt-to-equity ratio is expected to increase as it plans to raise more debt, which could impact financial stability.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

EMER.BO - Emerald Finance Ltd
Q1 2026 Emerald Finance Ltd Earnings Call
Jul 15, 2025 / 12:00PM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Emerald Finance Limited Q1 FY26 results conference call hosted by Karen Advisors Private Limited.

As a reminder, all participant lines will be in the listen-only mode, and there will be an opportunity for you to ask questions after the presentation concludes.

Should you need assistance during this conference call, please signal an operator by pressing 0 on your touchtone phone.

Please note that this conference is being recorded.

I now hand the conference over to Ms. Channi Chande from Kidding Advisors Private Limited.

Thank you and over to you, ma'am.

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