| Revenue growth | Total Income ₹8,387 Mn (+6% y-o-y). |
|---|---|
| Margins | NIM at 19.97%; CoF reduced to 8.80%. |
| Order book | Loan Portfolio at ₹137,218 Mn. |
| Demand visibility | Strong traction in disbursements reaching record levels. |
| Management confidence | High confidence in reaching full-year growth targets. |
Growth
Loan Portfolio reached ₹137,218 Mn (+10% y-o-y). Disbursements hit historic high of ₹14,964 Mn, growing 16% y-o-y.
Outlook
Management expects to achieve full-year growth guidance comfortably. Significant expansion with 856 branches across 11 states/UTs.
Risks
Gross NPA rose to 3.46% from 2.46% y-o-y. NIM slightly compressed by 2 bps y-o-y to 19.97%.
Last quarter's promises, checked
Delivered
- AUM growth guide 20% → delivered 10% y-o-y (= MISS)
- Credit cost guide 1.7-1.75% → delivered 1.88% (= MISS)
- Opex/AUM guide 7-7.25% → delivered ~7% (= BEAT)
Partly delivered
- Collection efficiency guide 98%+ → delivered 97.9% (= PARTIAL)
Missed
- GNPA reduction guide → delivered GNPA 3.46% vs 3.37% prev (= MISS)
- AUM growth guide 20% → delivered 10% (= MISS)
- Credit cost guide 1.7% → delivered 1.88% (= MISS)
Investor Presentation filed with BSE, NSE: FIVESTAR. Summary written with AI assistance from the document.
Five-Star Business Finance Ltd: key numbers
- Share price
- ₹515.30
- Market cap
- ₹15,211 Cr
- Revenue (annual)
- ₹3,218 Cr
- Net profit (annual)
- ₹1,099 Cr
- P/E (TTM)
- 13.8×Sector 21.9×
- Promoter holding
- 18.61%+0.00% QoQ
- FII holding
- 43.97%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
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- Value
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