Five-Star Business Finance Limited — PPTs, 29-04-2025: Investor Presentation

**Financial Highlights:**

- For Q4FY25, Five-Star reported a 23% year-on-year growth in AUM, reaching ₹1,187.70 Cr, with loan disbursements of ₹145.99 Cr, up 9% year-on-year.

- Profit After Tax (PAT) increased by 18% to ₹27.91 Cr, demonstrating a consistent growth trajectory.

- The company’s Net Interest Margin stood at 16.84%, and Return on Equity (RoE) was recorded at 18.36%, reflecting stable profitability despite slight dips in operational metrics like Return on Assets (RoA) at 8.04%.

**Strategic Initiatives & Growth Drivers:**

- The company added 19 branches, pushing its total to 748, focusing on southern states and expanding into new regions.

- Continued investment in technology aims to enhance efficiency and underwriting processes, supporting future growth strategies.

**Business Developments:**

- Five-Star achieved a diversified funding mix, reducing reliance on bank borrowings to 63% and raising ₹3,370 Cr in incremental debt.

- Improved collections efficiency at 97.7% underscores strong operational capabilities.

**Market Position & Competitive Advantage:**

- As a well-established player in the NBFC market, Five-Star benefits from a significant branch network and a strong understanding of its customer base, focusing on underserved segments.

- Its robust credit assessment framework enhances its competitive edge in a growing market.

**Investor Implications:**

- With strong growth metrics, increased branch presence, and solid asset quality, Five-Star's outlook shows positive growth potential. Investors should monitor execution risks associated with its expansion plans in competitive regions.