Emerald Finance Limited · BSE:EMERALD
Emerald Finance — Q2 FY27 Earnings Presentation
16 slides from Emerald Finance's earnings presentation, Nov 4, 2026
Slide 1: Emerald Finance Limited Investor Presentation Q2 FY27
EARLY WAGE ACCESS MSME LOANS DISTRIBUTION BUSINESS Access your earned Fueling Ambitions. 50+ Lenders. wages, anytime. Enabling Growth. One Platform. EMERALD FINANCE LIMITED POWERING FINANCIAL INCLUSION LAUNCHING Investor Presentation Q2 FY27 Emerald Ekam Everyday finance in one place emeraldekam.com
Slide 2: Safe Harbor
EMERA LD FINA NCE DIS CLA IMER Safe Harbor Important information about this presentation. This presentation and the accompanying slides (the “Presentation”) have been prepared by Emerald Finance Limited (the “Company”) solely for information purposes and do not constitute any offer, recommendation o
Slide 3: Management Commentary: Performance with Integrity
EMERA LD FINA NCE MA NA GEMENT COMMENTA RY Management Commentary: Performance with Integrity In the words of our Managing Director and Promoter. “ PERFORMANCE Q2 FY27 was a quarter of strong, profitable growth. Total income rose 46% year on year to ₹10.07 Cr and PAT rose 47% to ₹5.31 Cr, taking our
Slide 4: Emerald Ekam: Everyday Finance in One Place
EMERA LD FINA NCE P LATFORM LAUNCH Emerald Ekam: Everyday Finance in One Place One platform around the employee: salary access, benefits and more ways to borrow, invest & protect. CURRENT P RO D UCTS Earned Wage Access Personal Loan Salary on demand. Quick access. Digital Gold Gold Loan Invest secur
Slide 5: Q2 FY27 Highlights: PAT Up 47% YoY
EMERA LD FINA NCE KEY HIGHLIGHTS Q2 FY27 Highlights: PAT Up 47% YoY Gross income ₹10.07 Cr and PAT ₹5.31 Cr, with EWA and MSME interest income at new highs. EWA PROC FEE INCOME (₹ L) MSME INTEREST INCOME (₹ L) DISTRIBUTION INCOME (₹ L) 119 494 497 102 414 427 84 394 394 Q4 FY26 Q1 FY27 Q2 FY27 Q4 FY
Slide 6: Profitable Growth: Income and PAT by Quarter
EMERA LD FINA NCE QUA RTERLY RES ULTS Profitable Growth: Income and PAT by Quarter Total income up 6.7% QoQ and 45.8% YoY. PAT up 8.8% QoQ and 47.3% YoY. RETURN RATIOS (%) ₹ in Lakhs Q2 FY27 Q1 FY27 Q2 FY26 QoQ % YoY % 24.66% 21.7% Gross Total Income 1,007 944 691 6.7% 45.8% 19.6% 16.4% Interest Inc
Slide 7: Eight Quarters of Scale: Revenue 1.8x, PAT 2.1x
EMERA LD FINA NCE FINA NCIA L P ERFORMA NCE Eight Quarters of Scale: Revenue 1.8x, PAT 2.1x Consolidated performance | ₹ Crore | Q3 FY25 to Q2 FY27 REVENUE TREND (₹ CRORE) +25.5% −3.6% +6.7% Revenue Growth +13.0% +12.8% +4.0% +2.8% 9.79 9.44 10.07 1.76x 7.80 6.45 6.71 6.90 5.72 ₹5.72 Cr → ₹10.07 Cr
Slide 8: EWA Fees: ₹11L to ₹119L
EMERA LD FINA NCE FINA NCIA L P ERFORMA NCE EWA FEES: ₹11L TO ₹119L. Interest and EWA income growing Balanced portfolio driving sustainable Strengthening scale INTEREST AND EWA INCOME AT NEW HIGHS. and income quality every quarter performance Income Trend – Last 8 Quarters (₹ in Lakhs) Interest Inco
Slide 9: Strong Momentum. Scaling Fast.
EMERA LD FINA NCE Strong Momentum. Scaling Fast. EWA is our entry point. Distribution is our advantage. Growth is compounding. EWA + CROSS SELL TOTAL CORPORATES MONTHLY ACTIVE USERS 30.50 270 5,540 CRORES CORPORATES USERS MONTHLY Powering financial access at Strong and diverse corporate Growing user
Slide 10: ₹131 Cr+ Fueling MSME Growth Across India
EMERA LD FINA NCE ₹131 Cr+ Fueling MSME Growth Across India ₹131 Cr+ 18% ₹40 L Total Disbursed Average Lending Rate Average Ticket Size (Cumulative) AUM TREND (₹ IN LAKHS) OUR MSME LENDING BUSINESS AUM (₹ in Lakhs) Focused on providing unsecured working capital solutions to 16,000 MSMEs across India
Slide 11: Diversified Lender Base: Strength in Funding
EMERA LD FINA NCE FUNDING P ROFILE Diversified Lender Base: Strength in Funding Our lenders, borrowing mix and credit rating. OUR LENDERS: 3 BANKS · 18 NBFCs BORROWING MIX (%) CREDIT RATING BANKS SBI ICICI Bank Yes Bank NBFCs Axis Finance Ltd Mas Financial Services Ltd 46.76% BBB- 53.24% Alwar Gener
Slide 12: 50+ Lenders: Wider Reach
EMERA LD FINA NCE S TRATEGIC PA RTNERS HIP S 50+ Lenders: Wider Reach Works with 50+ Emerald's lending and distribution ecosystem is built on trusted financial institutions across India partnerships across India. LENDING PARTNERS ... many more 50+ Lender Multi-Product Reach Efficient Sourcing Execut
Slide 13: Giving Back. Creating Real Impact.
EMERA LD FINA NCE CS R INITIATIV ES Giving Back. Creating Real Impact. Our CSR efforts are focused on meaningful support for health, education and underserved communities. TREATMENT OF CANCER DONATION TO THE EDUCATION PATIENTS UNDERSERVED Supporting access to treatment, care Promoting learning and o
Slide 14: Board of Directors: Driving Emerald's Vision
EMERA LD FINA NCE Board of Directors: Driving Emerald's Vision A strong leadership team with diverse expertise, united by a shared commitment to sustainable growth. Mrs. Anubha Aggarwal Promoter & Director Education: Bachelor of Arts and Diploma Experience: 17+ years in the finance sector Highlights
Slide 15: Our Strong Management: Our Core Team
EMERA LD FINA NCE Our Strong Management: Our Core Team A passionate and experienced leadership team driving execution, innovation and growth. Mrs. Sheetal Kapoor Mrs. Gurmeet Kaur Mr. Talin Aggarwal Mrs. Amarjeet Kaur Ms. Amanpreet Sodhi Chief Financial Officer (CFO) Chief Risk Officer (CRO) Head of
Slide 16: Thank You. Together, We Grow.
EMERA LD F INA NCE THANK YOU. TOGETHER, WE GROW. Grateful for your trust. Excited for the journey ahead. Stronger together. Building a better tomorrow. www.emeraldfin.com 16