Five-Star Business Finance Ltd (NSE:FIVESTAR)

Q3 2025 Five-Star Business Finance Ltd Earnings Call Transcript

Jan 31, 2025 / 03:30 AM GMT

Release Date Price: ₹743.35 (-5.82%)

Transcript

Key Points

Positve

Five-Star Business Finance Ltd (BOM:543663) reported a 26% year-on-year growth in profit, reaching 274 crores for the quarter.
The company maintained a healthy Return on Assets (ROA) of 8.10% and Return on Equity (ROE) of 18.49%.
Collection efficiency remained robust with a unique collection efficiency of 97% and general collection efficiency of 98%.
The company successfully opened 69 new branches in the last quarter, expanding its reach.
Five-Star Business Finance Ltd (BOM:543663) managed to keep its incremental borrowing cost stable at 9.56% despite a tight liquidity environment.

Negative

Gross Non-Performing Assets (NPA) increased from 1.47% in the September quarter to 1.62% in the December quarter.
Disbursements were down by 25% year-on-year, aligning with the company's strategy to slow growth temporarily.
There was a slight dip in collection efficiency due to environmental factors such as festivals and rainfall.
The company faced challenges due to over-leverage in the market, impacting some of its customer segments.
Provision coverage on the overall book saw a marginal increase, indicating a cautious approach towards potential credit risks.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FIVS.NS - Five-Star Business Finance Ltd
Q3 2025 Five-Star Business Finance Ltd Earnings Call
Feb 01, 2025 / 03:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to five Star Business Finance Limited Q3 FY25 earnings conference call hosted by AMBIT Capital Private Limited.

As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during the conference call? Please signal an operator by pressing the star then zero on your touchtone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr Rgo Gar from AMBIT Capital. Thank you and over to you, sir.

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