FIVESTAR · Financial Services
No check fired. That is a statement about the checks below, not a verdict on the company.
Could not run on this quarter: Exceptional items that recur, Swing to loss or profit, Auditor's review or audit report, IPO money used as stated, Related-party transactions, Exits, postponements, restatements, Promoter pledges and allotments, Earlier promises against delivery, When the results were filed, Asset quality (lenders), Net interest margin (lenders), Net interest income against profit (lenders). Most need the filing read (balance sheet, cash flow, auditor, disclosures).
This quarter's filing carries a balance sheet and a cash flow statement. The cash, receivables and borrowing checks run once the filing read is in.
Lenders are read on NIM, asset quality, provision cover and credit cost. Those come from the filing read, which is not in yet for this quarter, so margin, other-income and cash checks are withheld rather than shown on a template built for manufacturers.
| Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total income | ₹519 cr | ₹567 cr | ₹616 cr | ₹666 cr | ₹702 cr | ₹727 cr | ₹752 cr | ₹787 cr | ₹799 cr | ₹815 cr | ₹817 cr | ₹829 cr |
| YoY | — | — | — | +39% | +35% | +28% | +22% | +18% | +14% | +12% | +9% | +5% |
| Exceptional items | — | — | — | — | — | — | — | — | — | — | — | — |
| Tax rate | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% |
| Net profit | ₹199 cr | ₹217 cr | ₹236 cr | ₹252 cr | ₹268 cr | ₹274 cr | ₹279 cr | ₹266 cr | ₹286 cr | ₹277 cr | ₹269 cr | ₹271 cr |
| YoY | — | — | — | +37% | +35% | +26% | +18% | +6% | +7% | +1% | −4% | +2% |
| EPS | ₹6.84 | ₹7.42 | ₹8.07 | ₹8.60 | ₹9.16 | ₹9.33 | ₹9.48 | ₹9.04 | ₹9.72 | ₹9.41 | ₹9.12 | ₹9.19 |
| Flags | · | · | · | · | · | · | · | · | · | · | · | · |
Each quarter is read with the same rules. Balance-sheet and cash checks run on half-year and annual quarters; filing-read checks run where a read exists.
Five-Star Business Finance Ltd. reported total income of ₹519 cr (— on the year) and net profit of ₹199 cr (— on the year) for July to September 2023.
None of the 1 checks that could run raised a question.
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Numbers as filed with the exchanges, read by rules. Every flag is a question with its source, not an accusation. FinMinutes is a financial data and analytics platform; nothing here is a recommendation to buy, sell or hold any security. How each check works.