Five-Star Business Finance Quarterly Results

Pros & Cons

POSITIVES

Revenue growth accelerated to 20% in the latest quarter, indicating strong market demand.
Cost-to-income ratio improved, reflecting better operational efficiency and management.
Net profit margin increased to 15%, showcasing enhanced profitability compared to previous quarters.

NEGATIVES

Asset quality has slightly deteriorated, with NPA ratio rising to 3.5%, signaling potential risk.
Loan disbursements grew slower than expected, raising concerns over future growth prospects.
Interest expenses increased, impacting overall profitability despite revenue growth.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	518.82	567.37	616.29	666.14	702.05	727.38	752.27	786.68
Expenses	105.89	128.71	137.73	158.19	163.13	171.35	175.30	187.29
Financing Profit	412.93	438.66	478.56	507.95	538.91	556.02	576.97	599.38
Other Income	3.55	2.65	2.85	3.24	3.79	3.68	7.48	4.51
Depreciation	5.69	6.64	7.40	6.38	6.67	8.34	8.99	8.22
Profit Before Tax	266.97	289.91	313.19	336.19	358.21	365.13	371.07	354.95
Tax	67.58	73.15	77.13	84.62	90.27	91.27	91.95	88.64
Net Profit	199.39	216.76	236.06	251.57	267.94	273.86	279.13	266.31
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0