How did Emerald Finance perform in FY26?

The company reported a 79% increase in net profit to ₹11.55 crore. Revenue from operations rose 55% to ₹20.76 crore.

What drove the profit growth?

Growth was driven by a 33% expansion in the loan book to ₹95.96 crore and a doubling of fee-based income to ₹8.59 crore. Pre-tax margins also improved by 35bps to 74.6%.

What is the dividend payout?

The board recommended a dividend of ₹0.10 per share. This is unchanged from the previous year.

Are there any concerns regarding asset quality?

Asset quality appears stable. The company reported impairment charges of only ₹0.13 crore for the year.

Did the auditors raise any issues?

No. The statutory auditors issued an unmodified opinion on the financial statements.

Earnings · Finance - NBFC · Micro cap

Emerald Finance profit jumps 79% as loan book hits ₹96 cr

The Chandigarh-based NBFC posted a net profit of ₹11.55 crore for FY26, supported by a 55% rise in operating revenue.

— 1 earlier story on Emerald Finance Ltd. →

EMERALD 27 May 2026 · 5:18 PM IST Verify on BSE · NSE

Mkt cap₹220 cr

P/E16.37×

ROE10.52%

Debt / eq.0.18

Div yld0.25%

₹11.55 cr Standalone net profit for FY26, up 79% year-on-year.

What's new

Standalone net profit rose 79% to ₹11.55 crore for the year ended March 2026.
Operating revenue grew 55% to ₹20.76 crore, with fee-based income doubling to ₹8.59 crore.
The loan book expanded 33% to ₹95.96 crore, while impairment charges remained low at ₹0.13 crore.

Why this matters

Emerald Finance is scaling its loan book and fee income while maintaining tight control over asset quality. The 35bps expansion in pre-tax margins to 74.6% shows the company is becoming more efficient as it grows. This is a strong set of numbers for a nano-cap lender.

What we're watching

Whether the company can maintain this growth rate in FY27.
Any plans to increase the dividend payout in future years.
Sustainability of the fee-based income growth.

The full read

Emerald Finance delivered a sharp performance for FY26, with standalone net profit climbing 79% to ₹11.55 crore. The Chandigarh-based NBFC grew its loan book by 33% to ₹95.96 crore, while fee-based income doubled to ₹8.59 crore. Revenue from operations rose 55% to ₹20.76 crore.

Efficiency is up.

The company improved its pre-tax margin by 35bps to 74.6%, proving that its operational scale is finally beginning to pay off in a meaningful way for shareholders who have watched the firm navigate a competitive lending environment for several years now. Asset quality remains a bright spot, with impairment charges limited to just ₹0.13 crore. The board recommended a dividend of ₹0.10 per share, keeping the payout flat compared to the previous year. With a clean audit report and significant expansion in both its loan book and fee income, Emerald Finance is showing clear momentum. The challenge now is to sustain this pace of growth in the coming year.

Questions answered

How did Emerald Finance perform in FY26?: The company reported a 79% increase in net profit to ₹11.55 crore. Revenue from operations rose 55% to ₹20.76 crore.
What drove the profit growth?: Growth was driven by a 33% expansion in the loan book to ₹95.96 crore and a doubling of fee-based income to ₹8.59 crore. Pre-tax margins also improved by 35bps to 74.6%.
What is the dividend payout?: The board recommended a dividend of ₹0.10 per share. This is unchanged from the previous year.
Are there any concerns regarding asset quality?: Asset quality appears stable. The company reported impairment charges of only ₹0.13 crore for the year.
Did the auditors raise any issues?: No. The statutory auditors issued an unmodified opinion on the financial statements.

Mentioned: Emerald Finance Ltd.

Primary source BSE · NSE

An independent reading of the company's own disclosure — the primary filing above is the final word.

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27 May 2026 · 5:18 PM IST Emerald Finance profit jumps 79% as loan book hits ₹96 cr
today Emerald Finance profit jumps 79% as loan book hits ₹96 crore