Five-Star Business Finance Limited — Investor Meet, 07-05-2025: Analysts/Institutional Investor Meet/Con. Call Updates

Five Star Business Finance has announced a board meeting on the financial results for the quarter and half-year.

Q4 and FY ’25 AUM grew 23% YoY to ₹11,877 Cr; disbursements rose 9% YoY and 55% QoQ. Borrowing cost fell ~27 bps to 9.29%, while yield eased 200 bps to 23.7%, keeping spread healthy at 14.1%. Collections dipped slightly due to Karnataka disruptions but recovered in March. Gross Stage 3 assets marginally increased to 1.79%, with PCR at 51%. PAT crossed ₹1,000 Cr (+28% YoY) at ₹1,073 Cr. ROA stood at 8.04%, ROE 18.36%. Focus remains on quality growth in ₹3-10 lakh segments, targeting ~25% AUM growth next year. Cost of funds expected to improve; no plans to cut yields further. Branches now 748 with solid productivity. Dividend of ₹2/share initiated. Management confident of stable asset quality and growth amid easing rates.