Q2 2025 Five-Star Business Finance Ltd Earnings Call Transcript
Key Points
- Five-Star Business Finance Ltd (BOM:543663) opened 113 branches in the September quarter, enhancing its distribution network.
- The company reported a year-on-year portfolio growth of 32%, indicating strong business expansion.
- Collection efficiency remained high at 98.4% for the September quarter, showcasing effective collection mechanisms.
- The company maintained a stable borrowing cost at 9.65%, reflecting efficient financial management.
- Five-Star Business Finance Ltd (BOM:543663) achieved a profit after tax (PAT) growth of 34% year-on-year, demonstrating robust financial performance.
- The company experienced a quarter-on-quarter negative growth of 5% in disbursements, indicating a slowdown in lending activities.
- Gross Stage 3 assets increased slightly, reflecting a rise in non-performing assets.
- The decision to reduce lending rates by 200 basis points may impact future profitability.
- Approximately 30% of the company's loans are over-leveraged, posing a potential risk to asset quality.
- The company has revised its growth guidance down to 25% for the financial year, reflecting a cautious approach in a challenging environment.
Ladies and gentlemen, good day. And welcome to the five star Business Finance Limited Q2 FY 24 25 earnings conference call hosted by AMBIT Capital. As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation.
Should you need assistance during the conference call? Please sign in an operator by pressing star then zero on your Touchstone phone. Please note that this conference is being recorded. I now hand the conference over to Mister Raghav Garg from AMBIT capital. Thank you and over to you, sir.
The five star Business Finance Limited represented by.
I'm sorry, sir, your voice got cut out. Can you repeat that?
Sure. Good afternoon everyone we have with us today. The management of five star Business Finance Limited represented by Mr Lakshmipathy Deenadayalan, Chairman and managing director, Mr Ramarajan Krishnan
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