Emerald Finance Ltd Q3 FY26 earnings call summary

Earnings call of 29 Jan 2026, summarised by AI from the filing.

CRISIL upgraded rating to BBB- from BBB+, reducing cost of funds.

Key takeaways

1. Change CRISIL upgraded rating to BBB- from BBB+, reducing cost of funds.
2. Driver Gold loan syndication grew to ₹115 cr in January 2026 and ₹300 cr in Q3 FY26.
3. Risk Market turbulence led to tightened credit norms and EWA client target may be missed.

Original filing on BSE

Emerald Finance Ltd earnings call, investor presentation and press release summaries

• Q1 FY27: Earnings call (27 Jul 2026)
• Q4 FY26: Earnings call (1 Jun 2026)
• Q3 FY26: Earnings call (29 Jan 2026), Results deck (22 Jan 2026)
• Q2 FY26: Earnings call (24 Oct 2025), Results deck (23 Oct 2025), Results deck (24 Oct 2025)
• Q1 FY26: Earnings call (15 Jul 2025), Results deck (15 Jul 2025)
• Q4 FY25: Earnings call (23 May 2025), Results deck (23 May 2025)
• Other events: Strategy deck (29 May 2026), Call transcript (18 May 2025)