Star Housing Finance Quarterly Results

Pros & Cons

POSITIVES

Strong growth in net interest income, signaling improved lending performance compared to previous quarters.
Reduction in non-performing assets (NPAs) suggests better asset quality management.
Increased loan disbursement rates indicate a growing customer base and market confidence.

NEGATIVES

Decline in net profit margin due to rising operational costs and competition.
Higher provisioning for bad loans reflects caution in an uncertain economic environment.
Stagnation in revenue growth compared to aggressive targets set in earlier quarters.

Field	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	13.67	16.33	16.33	18.91	21.90	24.03	27.71	21.81
Expenses	6.53	7.67	8.18	10.20	11.12	12.14	13.04	12.88
Financing Profit	7.14	8.66	8.15	8.71	10.78	11.89	14.67	8.93
Other Income	0	0	3.01	2.05	0.73	-0.55	0.18	0
Depreciation	0.15	0.18	0.19	0.17	0.18	0.19	0.28	0.22
Profit Before Tax	2.21	3.07	4.12	3.90	3.95	2.51	3.83	1.77
Tax	0.14	0.55	1.38	0.89	0.88	0.47	0.85	0.39
Net Profit	2.07	2.52	2.74	3.02	3.06	2.04	2.98	1.38
Gross Npa %	0	0	0	0	0	0	0	0
Net Npa %	0	0	0	0	0	0	0	0