Emerald Finance Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Consistent revenue growth over the last four quarters indicates strong market demand for services.
Improved margins suggest better operational efficiency and cost management strategies being implemented.
Strong asset quality ratios reflect prudent lending practices and effective risk management.

NEGATIVES

Declining net profit margins signal increased competition and potential pricing pressures.
Rising non-performing assets could indicate underlying credit quality issues affecting future profitability.
Higher operational costs suggest inefficiencies that may need addressing to maintain profitability.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Jun 25
Revenue	2.78	3.25	3.42	3.89	4.40	5	5.72	6.71
Expenses	0.22	0.26	0.43	0.50	0.66	0.76	0.77	0.68
Financing Profit	2.56	2.99	2.98	3.38	3.73	4.25	4.95	6.03
Other Income	0	0.02	0.01	0.02	0.01	0.01	0.02	0.03
Depreciation	0	0	0	0.06	0	0	0	0
Profit Before Tax	1.15	1.27	1.61	1.52	2.29	2.75	3.31	4.27
Tax	0.29	0.32	0.41	0.38	0.58	0.69	0.83	1.07
Net Profit	0.86	0.95	1.21	1.14	1.71	2.06	2.48	3.19
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0