Emerald Finance Limited · BSE:EMERALD
Emerald Finance — Q3 FY25 Earnings Presentation
39 slides from Emerald Finance's earnings presentation, Jan 7, 2025
Slide 1: Emerald Finance Limited Q3 FY25 Investor Presentation
Emerald Finance Limited Q3 FY25 Investor Presentation
Slide 2: Disclaimer
Disclaimer This presentation and the accompanying slides (the “Presentation”), which have been prepared by Emerald Finance Limited (Emerald, The Company) solely for information purposes and do not constitute any offer, recommendation or invitation to purchase or subscribe for any securities, and sha
Slide 3: Q3 FY25 Highlights
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Slide 4: Key Consolidated Financial Highlights 9MFY25
Key Consolidated Financial Highlights 9MFY25 Total Income (In ₹) EBITDA Net Profit (In ₹) EBITDA % Net Profit % (In %) 15.15 10.54 69.59 9.46 52.13 6.25 4.93 41.25 31.70 3.00 9M FY24 9M FY25 9M FY24 9M FY25 9M FY24 9M FY25 All Amount in ₹ Cr & Margin in % Investor Presentation 4
Slide 5: Key Consolidated Financial Highlights – Q3FY25
Key Consolidated Financial Highlights – Q3FY25 Total Income (In ₹) EBITDA Net Profit (In ₹) EBITDA % Net Profit % (In %) 4.09 5.74 71.18 59.25 2.48 3.42 2.03 43.19 34.67 1.19 Q3 FY24 Q3 FY25 Q3 FY24 Q3 FY25 Q3 FY24 Q3 FY25 All Amount in ₹ Cr & Margin in % Investor Presentation 5
Slide 6: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement (In ₹ Cr) Particulars Q3 FY25 Q3 FY24 Particulars 9M FY25 9M FY24 Net Sales 5.72 3.42 Net Sales 15.12 9.44 Other Income 0.02 0.01 Other Income 0.03 0.02 Total Income 5.74 3.42 Total Income 15.15 9.46 Total Expenditure 1.65 1.39 Total Expenditure 4.61 4.53 EBIDTA
Slide 7: Standalone Profit & Loss Statement
Standalone Profit & Loss Statement (In ₹ Cr) Particulars Q3 FY25 Q3 FY24 Particulars 9M FY25 9M FY25 Net Sales 3.42 1.79 Net Sales 8.85 5.38 Other Income 0.02 0.01 Other Income 0.03 0.02 Total Income 3.43 1.80 Total Income 8.88 5.40 Total Expenditure 0.59 0.42 Total Expenditure 1.65 1.54 EBIDTA 2.84
Slide 8: Management Comment on the Financial Performance of Q3 9M FY25
Management Comment on the Financial Performance of Q3 9M FY25 “I am pleased to highlight the achievement of YoY 109% increase in net profit for the nine months of FY25 compared to FY24, which underscores our robust financial performance and operational efficiency. The growth in the EWA vertical demo
Slide 9: Company Overview
Company Overview
Slide 10: Emerald: Innovating In Digital Financial Solutions
Emerald: Innovating In Digital Financial Solutions Emerald Finance Limited (Emerald, The Company), Vision is a Chandigarh-based non-deposit taking NBFC. The Company focuses on retail and MSME lending To place customers at the heart of our vision, and acts as a loan origination platform for over 40 w
Slide 11: Emerald's Key Metrics
Emerald's Key Metrics Presence in 9+ 6,50,000 Years Of Experience Satisfied Customers 200+ Cities ₹ 46 Crore FY24 Processed In Salary Revenue- ₹ 13.32 Cr Advances EBITDA- ₹ 7.06 Cr PAT- ₹ 4.14 Cr Investor Presentation 11
Slide 12: Emerald’s Journey Towards Financial Excellence
Emerald’s Journey Towards Financial Excellence 2014 2015 Rebranding: Expansion and Licensing: Growth: Shubhbank.com was Shubhbank.com.co 2018 Emerald gets listed on 2016 launched in 2015 m rises to become BSE and secures an one of the top DSAs NBFC license. for Fullerton India nationwide. Strategic
Slide 13: Emerald's Distinctive Edge In Digital Lending
Emerald's Distinctive Edge In Digital Lending Acts as both a FinTech and an NBFC, seamlessly Extensive distribution network catering integrating technology with financial services. to diverse customer segments. Balances innovation and compliance, providing Offers a comprehensive suite of financial r
Slide 14: Collaborative Partnerships
Collaborative Partnerships Lenders Financial Partners Emerald has tied up with following institutions for its Distribution Business Investor Presentation 14
Slide 15: Business Overview
Business Overview
Slide 16: Expanding Market Footprint: Emerald & Shubhbank.com
Expanding Market Footprint: Emerald & Shubhbank.com Emerald Platform Services: Digital Lending and Neo-Banking Shubhbank.com Partnership Services: Direct Selling Agent for Retail Loans Investor Presentation 16
Slide 17: Shubhbank.com: Comprehensive Financial Services
Shubhbank.com: Comprehensive Financial Services Emerald, driven by a dedicated team, aims to be a world-class leader in finance. It offers a broad range of banking products and services to retail and corporate clients through multiple channels. Trusted client relationships and steady growth undersco
Slide 18: Emerald’s Early Wage Access: A Smart Solution For Employees
Emerald’s Early Wage Access: A Smart Solution For Employees Emerald makes it easy for employees to access their earned salary instead of relying on high-cost alternatives Employer reimburses Emerald on salary day of EWA availed by the employees Employees access earned salary through the Emerald Web
Slide 19: Value Proposition For Employers & Employees
Value Proposition For Employers & Employees Benefits For The Employer Benefits For The Employees Enhancement employee productivity and engagement Simple access to on demand earned salary Increase in employee retention rates Create a positive culture Protection from predatory products like pay day lo
Slide 20: End-to-End EWA Workflow
End-to-End EWA Workflow Employee: Emerald: Employee: • Signs up on the Emerald • Calculates the employee’s • Withdraws funds as per website. earned salary. their needs. • Completes KYC and salary • Makes a pre-decided validation. portion available to the employee. Investor Presentation 20
Slide 21: Management Overview
Management Overview
Slide 22: Board of Directors: Driving Emerald's Vision
Board of Directors: Driving Emerald's Vision Mr. Sanjay Aggarwal Mrs. Anubha Aggarwal Promoter & Managing Director Promoter & Director Education: Graduate in Commerce, DAV Education: Bachelor’s Degree in Arts College, Chandigarh; Associate Member, and Diploma Institute of Chartered Accountants of In
Slide 23: Board of Directors: Driving Emerald's Vision
Board of Directors: Driving Emerald's Vision Mr. Manjeet Kaushik Mr. Akshay Agarwal Director Director Education: Commerce Graduate, Delhi Education: Chartered Accountant. University; Master’s Degree in Accounting and Finance, The Institute of Chartered Accountants Experience: Over 13 years in Audit,
Slide 24: Key Personnel: Our Core Team
Key Personnel: Our Core Team Mrs. Sheetal Kapoor Mrs. Gurmeet Kaur Mr. Talin Aggarwal – Chief Technology Chief Financial Officer (CFO) Chief Risk Officer (CRO) Officer (CTO) & Head Strategic Partnerships With an MBA in Finance and a CMA, Mrs. Mrs. Gurmeet Kaur has over 30 years of Holding a Bachelor
Slide 25: Industry Overview
Industry Overview
Slide 26: Rise Of NBFCs: Transforming Finance Landscape
Rise Of NBFCs: Transforming Finance Landscape NBFCs expect 13–14% credit growth in FY24, Lending businesses are prospering without needing large physical setups. Projections suggest NBFCs credit will grow at a rate of 13–15% from FY23 to FY25. • Non-banking financial companies (NBFCs) are rapidly ga
Slide 27: The Rapid Growth Of India's Fintech And Digital Lending Markets
The Rapid Growth Of India's Fintech And Digital Lending Markets India's FinTech Ecosystem Poised for Explosive Growth: Projected to Constitute 60% of Total Market by 2030 • India holds the position of having the third-largest FinTech ecosystem in the world. • India is on track to become the third-la
Slide 28: Financial Overview
Financial Overview
Slide 29: Key Consolidated Financial Highlights
Key Consolidated Financial Highlights (In ₹) (In ₹) (In %) Total Income EBITDA Net Profit EBITDA % Net Profit % 7.06 13.36 48.49 52.88 11.55 5.6 46.18 8.51 4.14 3.93 3.45 30.97 29.09 29.89 2.48 FY22 FY23 FY24 FY22 FY23 FY24 FY22 FY23 FY24 All Amount in ₹ Cr & Margin in % Investor Presentation 29
Slide 30: Consolidated Profit & Loss Statement
Consolidated Profit & Loss Statement (In ₹ Cr) Particulars FY22 FY23 FY24 Net Sales 8.46 11.51 13.32 Other Income 0.05 0.04 0.04 Total Income 8.51 11.55 13.36 Expenses Employee Cost 1.11 1.08 2.08 Other Expenses 3.47 4.87 4.21 Total Expenditure 4.58 5.95 6.30 EBIDTA 3.93 5.60 7.06 Interest 0.51 0.84
Slide 31: Consolidated Balance sheet
Consolidated Balance sheet (In ₹ Cr) Equities & Liabilities FY22 FY23 FY24 Assets FY22 FY23 FY24 Equity 29.04 30.14 30.14 Non Current Assets Other Equity 8.82 13.29 16.74 Fixed Assets 0.28 0.26 0.50 Net Worth 38.44 44.27 47.93 Non Current Investment 0.00 0.00 0.05 Minority Interest 0.57 0.83 1.04 Ot
Slide 32: Cash Flow Statement
Cash Flow Statement (In ₹ Cr) Particulars FY22 FY23 FY24 Cashflow From Operations -21.64 2.33 -11.47 Cashflow From Investments -0.38 -0.17 -0.36 Cashflow From Financing 21.70 2.41 7.57 Net Cash Flow 0.69 4.57 -3.54 Opening Cash Balance 1.21 1.89 6.45 Closing Cash Balance 1.89 6.45 -2.91 Investor Pre
Slide 33: Key Ratios
Key Ratios (In %) (In %) ROE ROCE 8.63 11.43 11.21 7.80 6.44 8.84 FY22 FY23 FY24 FY22 FY23 FY24 EPS (In ₹) Book Value (In ₹) 1.37 15.90 14.69 1.15 12.75 0.85 FY22 FY23 FY24 FY22 FY23 FY24 Investor Presentation 33
Slide 34: Revenue Break-up (Consolidated)
Revenue Break-up (Consolidated) In % In % In % FY24 FY23 FY22 48.16 45.26 46.34 51.84 54.74 54.00 Interest Income Fees Based Income Particulars FY24 FY23 FY22 Interest Income 6.42 5.21 4.54 Fees Based Income 6.91 6.30 3.92 Total 13.33 11.51 8.46 Investor Presentation 34
Slide 35: The Way Ahead
The Way Ahead
Slide 36: Digital Transformation Initiatives
Digital Transformation Initiatives Digitization of Portfolio • Complete digitization of personal and business loans, which constitute a significant portion of our portfolio. Mobile App Launch • Development and launch of a customer mobile app. - Available on Play store initially, followed by App Stor
Slide 37: Emerald’s Growth Targets & Operational Capabilities
Emerald’s Growth Targets & Operational Capabilities • Targeting a transacting • Ability to onboard a customer base of 10,000 corporate employer by the end of FY25 with up to 2,000 • 50,000 by the end of employees within FY26 30 minutes • Target of 60 corporate clients by the end of Customer Robust F
Slide 38: Stock Data
800000 600000 1200000 1400000 0 1000000 200000 400000 14-Jan-20 02-Feb-20 10.8 21-Feb-20 Source BSE Source – NSE` 11-Mar-20 30-Mar-20 18-Apr-20 Face Value (₹) 07-May-20 Share Price (₹) Investor Presentation Stock Data 26-May-20 14-Jun-20 03-Jul-20 22-Jul-20 52 Week High-Low (₹) 10-Aug-20 29-Aug-20 1
Slide 39: Thank you
Thank you Emerald Finance Limited Kirin Advisors Private Limited S.C.O. 7, Industrial Area Phase II, 713-B, Lodha Supremus II, Chandigarh (India), 160002 Wagle Estate, Thane West – 400 604 E-mail: info@emeraldfin.com E-mail: info@kirinadvisors.com Phone: +91-172-4603859 Phone: 022 4100 2455 Website: