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Five-Star Business Finance Limited Q4 FY25 results deck summary

NSE: FIVESTAR · BSE: 543663

Results deck of 29 Apr 2025, summarised by AI from the filing.

Five-Star Business Finance Q4FY25 AUM up 23% Y-o-Y to ₹118,770 Mn; PAT up 18% to ₹2,791 Mn.

Key takeaways

  1. PAT Profit after Tax for Q4FY25 was ₹2,791 Mn, up 18% Y-o-Y from ₹2,361 Mn in Q4FY24.
  2. Asset quality Gross Stage 3 assets rose to 1.79% as of March 31, 2025 from 1.38% as of March 31, 2024.
  3. Branch expansion The Company added 19 branches during the quarter, taking total branch count to 748 as against 520 branches as of March 31, 2024.
  4. Liability profile Proportion of funding received from banks came down to 63% from 65% in Q3FY25.

Original filing on BSE

Five-Star Business Finance Limited Q1 FY27 results

As filed: Revenue ₹829 cr (+5% year on year), EBITDA ₹533 cr (−2% year on year), PAT ₹271 cr (+2% year on year), EBITDA margin 64.3% (−497 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹817 cr (+9% year on year), EBITDA ₹540 cr (−2% year on year), PAT ₹269 cr (−3% year on year), EBITDA margin 66.0% (−683 bps). Score 20 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 683 bps year on year. Revenue rose ₹65.0 cr on a year ago, against ₹136 cr the year before. Share price after the results: −9.2% in 29 days (Nifty 500: +0.9%).
  • Q3 FY26: Revenue ₹815 cr (+12% year on year), EBITDA ₹560 cr (+4% year on year), PAT ₹277 cr (+1% year on year), EBITDA margin 68.7% (−560 bps). Score 21 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 560 bps year on year. Profit fell 3% from last quarter. Revenue rose ₹88.1 cr on a year ago, against ₹160 cr the year before. Share price after the results: −16.8% in 30 days (Nifty 500: +0.4%).
  • Q2 FY26: Revenue ₹799 cr (+14% year on year), EBITDA ₹564 cr (+8% year on year), PAT ₹286 cr (+7% year on year), EBITDA margin 70.6% (−406 bps). Score 22 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 406 bps year on year. Revenue rose ₹97.0 cr on a year ago, against ₹180 cr the year before. Share price after the results: +10.0% in 30 days (Nifty 500: +0.5%).
  • Q1 FY26: Revenue ₹787 cr (+18% year on year), EBITDA ₹545 cr (+10% year on year), PAT ₹266 cr (+6% year on year), EBITDA margin 69.3% (−537 bps). Score 22 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 537 bps year on year. Profit fell 5% from last quarter. Revenue rose ₹121 cr on a year ago, against ₹186 cr the year before. Share price after the results: −16.0% in 29 days (Nifty 500: −0.3%).
  • Q4 FY25: Revenue ₹752 cr (+22% year on year), EBITDA ₹548 cr (+20% year on year), PAT ₹279 cr (+18% year on year), EBITDA margin 72.9% (−99 bps). Score 32 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 99 bps year on year. Revenue rose ₹136 cr on a year ago, against ₹177 cr the year before. Share price after the results: −9.6% in 30 days (Nifty 500: +3.4%).
  • Q3 FY25: Revenue ₹727 cr (+28% year on year), EBITDA ₹540 cr (+28% year on year), PAT ₹274 cr (+26% year on year), EBITDA margin 74.3% (−33 bps). Score 37 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 33 bps year on year. Revenue rose ₹160 cr on a year ago, against ₹180 cr the year before.
  • Q2 FY25: Revenue ₹702 cr (+34% year on year), EBITDA ₹524 cr (+38% year on year), PAT ₹268 cr (+35% year on year), EBITDA margin 74.6% (+204 bps). Score 84 of 100, Above trend. EBITDA margin rose 204 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

Five-Star Business Finance Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.