FIVESTAR

Q4 2025 Result

reported a strong Q4FY25, with total income growing 23% YoY to Rs 760 crore, and PAT rising 18% to Rs 279 crore. Disbursements for the quarter stood at Rs 1,460 crore, up 55% QoQ, while AUM rose 23% YoY to Rs 11,877 crore, spread across 0.46 million active loans. Despite some impact from disruptions in Karnataka and broader overleverage trends, the company maintained collection efficiency at 97.7%, with NPAs remaining contained—gross NPA rising marginally to 1.79%. ROA and ROE for the quarter were 8.04% and 18.36%, respectively, with a strong liquidity position of Rs 2,295 crore. PAT for FY25 reached Rs 1,073 crore, up 28% YoY. The Board has recommended a dividend of Rs 2 per share (200%). CMD Lakshmipathy Deenadayalan emphasized a focus on “quality growth” and continued infrastructure and risk management investments.