Emerald Finance Limited CIN L65993CH1983PLC041774 headquartered in Chandigarh has announced its audited financial results for the fourth quarter and full financial year ending March 31 2025. The company witnessed a remarkable year on year surge in net profit and demonstrated solid business momentum backed by digital innovation and operational efficiency.

Financial Highlights for Q4 FY25 and FY25

Standalone Performance:

• Total income for Q4 FY25 stood at 4.60 crore versus 2.02 crore in Q4 FY24 a growth of 127.45 percent

• EBITDA rose to 3.60 crore from 1.22 crore representing a 195.44 percent increase

• Net profit surged 246.21 percent to 2.16 crore from 0.63 crore

• Net profit margin improved significantly to 47.03 percent compared to 30.90 percent year on year

• Earnings per share for Q4 FY25 increased to 0.63 from 0.21 in the prior year quarter

Consolidated Performance:

• Total income grew by 66.44 percent to 6.50 crore from 3.90 crore year on year

• EBITDA increased 117.02 percent to 4.53 crore

• Net profit rose 132.99 percent to 2.65 crore

• Net profit margin expanded to 40.80 percent versus 29.15 percent year on year

• EPS improved to 0.77 from 0.38

For the full year FY25 the company reported consolidated total income of 21.63 crore EBITDA of 15.07 crore and net profit of 8.89 crore demonstrating strong growth over the previous year.

Business Developments and Strategic Focus

Emerald Finance Limited’s Managing Director Sanjay Aggarwal emphasized the company’s robust performance and zero non-performing assets status for the year. The Early Wage Access EWA platform gained significant traction with 62 corporate clients signed and onboarded during the year. The platform allows employees to access earned wages ahead of payday providing financial flexibility.

The company plans to expand its reach across 200 cities with a target of 250 corporate partners by March 2026. Focus areas include retail and MSME lending digital innovation and partnerships aimed at financial inclusion and credit demand growth.

Fundraising and Equity Update

During Q4 FY25 Emerald Finance allotted 24 secured non-convertible debentures aggregating to 1.20 crore on private placement. The company also issued 765,090 equity shares at 131 per share increasing paid-up equity capital from 33.78 crore to 34.54 crore. New investors include promoters Saint Capital Fund Mauritius Rajesh Jain Founding Partner at KPMG India and Africa Vishnu Sultania advisor to the UN among India’s top CFOs.

About Emerald Finance Limited

Emerald Finance Limited formerly Emerald Leasing Finance and Investment Company Limited is a Chandigarh-based non-deposit taking NBFC focusing on retail and MSME lending. Its subsidiary Eclat Net Advisors Private Limited acts as a loan origination platform collaborating with over 40 financial institutions. Emerald’s flagship Early Wage Access product is a fully digital salary advance solution designed to provide short-term loans via salary deductions.

Disclaimer

This document contains forward-looking statements subject to risks and uncertainties such as government policies economic changes and technological developments. Actual results may vary materially. The company undertakes no obligation to update forward-looking statements publicly.

For further information please contact
Kirin Advisors Private Limited
Sunil Mudgal Director
sunil@kirinadvisors.com
+91 98692 75849
www.kirinadvisors.com

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