Five-Star Business Finance Limited announced its unaudited financial results for the quarter and half-year ended September 30, 2025. The company’s investor presentation highlights key financial metrics, operational performance, and strategic updates, showcasing continued growth and robust asset quality. Key metrics include a loan portfolio of ₹128,471 Mn and a net interest margin of 16.41%.
Financial Performance Highlights
Five-Star Business Finance Limited reported strong financial results for Q2 FY26, demonstrating continued growth and efficient operations:
- Loan Portfolio: Reached ₹128,471 Mn, an increase of 18% year-over-year.
- Loan Disbursement: Amounted to ₹11,959 Mn for the quarter.
- Net Interest Margin (NIM): Stood at 16.41%.
- Profit After Tax (PAT): Achieved ₹2,861 Mn, showing a 7% increase.
- Return on Assets (ROA): Registered at 7.49%.
- Return on Equity (ROE): Recorded at 16.91%.
Asset Quality and Operations
The company maintained a focus on asset quality and operational efficiency:
- Gross NPA: Reported at 2.64%.
- 30+ DPD: Stood at 12.17%.
- Capital Adequacy Ratio: Strong at 51.04%.
- The company has 800 branches across India.
H1 FY26 Performance
For the half-year ended September 30, 2025 (H1 FY26), Five-Star Business Finance reported:
- Loan Portfolio: ₹128,471 Mn, reflecting an 18% increase year-over-year.
- Gross NPA: 2.64%.
- Profit After Tax (PAT): ₹5,524 Mn.
- Net Interest Margin: 16.42%.
- Return on Assets: 7.37%.
- Return on Equity: 16.74%.
Strategic Focus
Five-Star Business Finance remains focused on reaching underserved markets with secured financial solutions and has a strong presence in semi-urban and rural areas. The company employs a proprietary underwriting model and maintains a robust collections infrastructure to ensure asset quality. It continues to invest in technology to enhance operational efficiency and customer experience.
Source: BSE