Emerald Finance Limited (BSE: EMERALD) has announced its audited financial results for Q4 FY25 and FY25, showcasing significant year-over-year growth in various financial metrics. The company offers a range of financial products and services, including its flagship Earned Wage Access (EWA) in India.

Q4 FY25 Standalone Financial Highlights:

• Total Income: ₹ 4.60 Cr, a growth of 127.45% YoY
• EBITDA: ₹ 3.60 Cr, a growth of 195.44% YoY
• Net Profit: ₹ 2.16 Cr, a growth of 246.21% YoY
• Net Profit Margin: 47.03%, an increase of 1,613 Bps YoY
• EPS: ₹ 0.63, a growth of 202.42% YoY

FY25 Standalone Financial Highlights:

• Total Income: ₹ 13.47 Cr, a growth of 81.44% YoY
• EBITDA: ₹ 10.82 Cr, a growth of 113.08% YoY
• Net Profit: ₹ 6.44 Cr, a growth of 114.36% YoY
• Net Profit Margin: 47.83%, an increase of 735 Bps YoY
• EPS: ₹ 1.87, a growth of 87.16% YoY

Q4 FY25 Consolidated Financial Highlights:

• Total Income: ₹ 6.50 Cr, a growth of 66.44% YoY
• EBITDA: ₹ 4.53 Cr, a growth of 117.02% YoY
• Net Profit: ₹ 2.65 Cr, a growth of 132.99% YoY
• Net Profit Margin: 40.80%, an increase of 1,165 Bps YoY
• EPS: ₹ 0.77, a growth of 103.45% YoY

FY25 Consolidated Financial Highlights:

• Total Income: ₹ 21.63 Cr, a growth of 61.94% YoY
• EBITDA: ₹ 15.07 Cr, a growth of 114.56% YoY
• Net Profit: ₹ 8.89 Cr, a growth of 114.83% YoY
• Net Profit Margin: 41.09%, an increase of 1,012 Bps YoY
• EPS: ₹ 2.57, a growth of 87.40% YoY

Mr. Sanjay Aggarwal, Managing Director of Emerald Finance Limited, commented on the financial performance, stating that FY25 was a year of strong progress, marked by robust financial performance and strategic momentum. He highlighted the company's focus on retail and MSME lending, digital innovation, and strong partnerships. The company maintained a Zero NPA throughout the year, demonstrating strong credit underwriting and risk management practices. The EWA platform gained significant traction, with 62 corporate clients signed during the financial year and onboarded by year-end. Emerald Finance aims to scale its EWA platform, expand SME and invoice discounting services, and grow across 200+ cities, targeting 250 corporate partners by March 2026 with its digital-first approach.

Q4 FY25 Key Business Highlights:

• Fund Raise: Allotted 24 secured, unlisted, unrated, redeemable non-convertible debentures at ₹5,00,000 each, aggregating to ₹1.20 Cr, on a private placement basis.
• Allotted 7,65,090 equity shares at ₹131 each (face value ₹10, premium ₹121), increasing fully paid-up equity share capital from ₹33.78 Cr to ₹34.54 Cr. Investors include promoters, Saint Capital Fund (Mauritius), Mr. Rajesh Jain (Founding Partner, KPMG in India & Africa), and Mr. Vishnu Sultania (Advisor to the UN).
• Added New Clients for Early-Wage Access program: Onboarded 20 corporates in Q4 FY25 for Early Wage Access, a salary advance solution that enables employees to access a portion of their earned salary throughout the month, with recovery via salary deduction.