Investor Presentation with respect to Unaudited Financial Results for the quarter ended June 30, 2025
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Star Housing Finance Ltd shared its investor deck for the quarter ended June 30, 2025. Assets Under Management grew 16% year-on-year to Rs. 546.58 crs, supported by 5,400+ live accounts with an average loan size of Rs. 10 lakhs. Asset quality remained healthy with GNPA at 1.65% and NNPA at 1.13%. However, profitability declined sharply with PBT falling to Rs. 1.77 crs (from Rs. 3.91 crs) and PAT to Rs. 1.38 crs (from Rs. 3.02 crs), while Net Interest Margin stood at 6.61%. The board approved raising up to Rs. 50 crs via Non-Convertible Debentures and proposed increasing authorised share capital to Rs. 125 crores from Rs. 50 crores. A final dividend of 10 paise per share was recommended, and the company received its highest-ever single lender sanction of Rs. 50 crs.
While loan book growth and asset quality are stable, the steep drop in quarterly profit despite higher AUM may concern shareholders. The proposed NCD issue and share capital expansion signal the company plans to raise more funds to support continued AUM growth.