Annual Report for the financial year 2024-25

Revenue growth above 20%Results View source PDF Explain this filing

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Nifty Microcap 250market · in no size index; the smallest one is used-0.7%-0.6% vs market

Housing Finance Company peers, median of 17sector-0.9%-0.4% vs sector

On the reaction day the stock moved 0.6 pts less than Nifty Microcap 250 and 0.4 pts less than its Housing Finance Company peers, over the same two closes: a difference in percentage points, not a measure of what the filing did.

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AI summary

Star Housing Finance Ltd, a BSE-listed affordable housing finance company focused on rural and semi-urban India, submitted its Annual Report for FY2024-25. Assets Under Management grew 21.98% YoY to ₹520.70 crores, supported by 35 branches across six states and 5,226 active loan accounts. Profit after Tax rose 24.94% YoY to ₹11.10 crores, with Profit Before Tax up 23.68% to ₹14.19 crores, driven by a 54% jump in gross income to ₹9,496 lakhs. Net Worth stood at ₹143.87 crores (8.16% growth), while borrowings increased 26.07% to ₹403.81 crores, keeping leverage at 2.81x. Asset quality remained strong with GNPA at 1.84% and NNPA at 1.40%. The company is rated BBB/Stable by CARE Edge and India Ratings, and the CFO and Chief Compliance Officer both resigned post the fiscal year-end.

Likely market impact

The annual report reflects healthy business growth with expanding AUM, improving profitability, and stable asset quality, which are positive signals for shareholders. However, the resignation of the CFO and Chief Compliance Officer shortly after year-end and the 26% spike in borrowings are worth monitoring for governance and leverage implications.