Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Star Housing Finance Ltd
Quarter-by-quarter operating performance
| Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 9.96 | 11.60 | 12.29 | 13.67 | 16.33 | 16.33 | 18.91 | 21.91 | 24.03 | 27.71 | 21.81 | 25.15 | 25.82 |
| Interest | 2.84 | 4.38 | 5.45 | 6.53 | 7.67 | 8.18 | 10.20 | 11.12 | 12.14 | 13.03 | 12.88 | 13.84 | 13.62 |
| Expenses + | 4.25 | 6.16 | 4.62 | 4.78 | 5.41 | 6.85 | 6.69 | 7.39 | 8.64 | 10.75 | 6.94 | 8.59 | 11.02 |
| Financing Profit | 2.87 | 1.06 | 2.22 | 2.36 | 3.25 | 1.30 | 2.02 | 3.40 | 3.25 | 3.93 | 1.99 | 2.72 | 1.18 |
| Financing Margin % | 28.82% | 9.14% | 18.06% | 17.26% | 19.90% | 7.96% | 10.68% | 15.52% | 13.52% | 14.18% | 9.12% | 10.82% | 4.57% |
| Other Income + | 0.00 | 0.90 | 0.00 | 0.00 | 0.00 | 3.01 | 2.05 | 0.73 | -0.55 | 0.18 | 0.00 | 0.00 | 0.00 |
| Depreciation | 0.10 | 0.10 | 0.14 | 0.15 | 0.18 | 0.19 | 0.17 | 0.18 | 0.19 | 0.28 | 0.22 | 0.41 | 0.42 |
| Profit before tax | 2.77 | 1.86 | 2.08 | 2.21 | 3.07 | 4.12 | 3.90 | 3.95 | 2.51 | 3.83 | 1.77 | 2.31 | 0.76 |
| Tax % | 29.60% | -40.86% | 25.00% | 6.33% | 17.92% | 33.50% | 22.56% | 22.28% | 18.73% | 22.19% | 21.47% | 22.51% | 36.84% |
| Net Profit + | 1.94 | 2.62 | 1.55 | 2.07 | 2.52 | 2.74 | 3.02 | 3.06 | 2.04 | 2.98 | 1.38 | 1.79 | 0.49 |
| EPS in Rs | 0.14 | 0.19 | 0.11 | 0.15 | 0.18 | 0.20 | 0.22 | 0.22 | 0.15 | 0.21 | 0.10 | 0.13 | 0.03 |
| Gross NPA % | 2.15% | 1.68% | 1.56% | 1.46% | 1.64% | 1.50% | 1.57% | 1.56% | 1.74% | 1.84% | 1.65% | 1.65% | 1.84% |
| Net NPA % | 1.65% | 1.25% | 1.13% | 1.08% | 1.24% | 1.02% | 1.12% | 1.09% | 1.25% | 1.40% | 1.13% | 1.16% | 1.49% |
Financials of Star Housing Finance Ltd
Annual income statement trend
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 1 | 2 | 3 | 3 | 7 | 12 | 16 | 16 | 19 | 35 | 59 | 93 | 100 |
| Interest | 0 | 0 | 0 | 0 | 2 | 5 | 5 | 5 | 6 | 11 | 28 | 46 | 53 |
| Expenses + | 0 | 1 | 1 | 1 | 1 | 1 | 5 | 8 | 12 | 17 | 22 | 33 | 37 |
| Financing Profit | 1 | 1 | 2 | 2 | 4 | 6 | 6 | 2 | 1 | 6 | 9 | 13 | 10 |
| Financing Margin % | 39% | 49% | 63% | 63% | 57% | 51% | 39% | 15% | 5% | 18% | 16% | 14% | 10% |
| Other Income + | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 3 | 2 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| Profit before tax | 1 | 1 | 2 | 2 | 4 | 6 | 6 | 2 | 1 | 8 | 11 | 14 | 9 |
| Tax % | 32% | 32% | 31% | 33% | 28% | 31% | 18% | 28% | 53% | 13% | 23% | 22% | |
| Net Profit + | 0 | 1 | 1 | 1 | 3 | 4 | 5 | 2 | 1 | 7 | 9 | 11 | 7 |
| EPS in Rs | 0.12 | 0.08 | 0.14 | 0.17 | 0.34 | 0.48 | 0.45 | 0.14 | 0.05 | 0.51 | 0.63 | 0.79 | 0.47 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 3% | 15% | 53% | 6% | 0% | 7% |
Financials of Star Housing Finance Ltd
Capital structure and asset base
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 2 | 6 | 6 | 12 | 12 | 12 | 16 | 16 | 17 | 39 | 39 | 39 | 39 |
| Reserves | 8 | 9 | 11 | 6 | 11 | 18 | 37 | 38 | 48 | 68 | 94 | 104 | 107 |
| Borrowing | 3 | 3 | 1 | 7 | 30 | 42 | 38 | 64 | 78 | 162 | 320 | 404 | 392 |
| Other Liabilities + | 0 | 0 | 0 | 0 | 2 | 0 | 1 | 7 | 11 | 17 | 37 | 7 | 17 |
| Total Liabilities | 13 | 18 | 18 | 25 | 54 | 73 | 91 | 125 | 153 | 286 | 490 | 555 | 555 |
| Fixed Assets + | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 2 | 2 | 3 | 3 | 3 | 4 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 | 0 | 0 |
| Investments | 1 | 1 | 1 | 1 | 1 | 4 | 4 | 4 | 9 | 7 | 8 | 8 | 10 |
| Other Assets + | 12 | 17 | 17 | 24 | 53 | 68 | 86 | 120 | 143 | 274 | 477 | 544 | 542 |
| Total Assets | 13 | 18 | 18 | 25 | 54 | 73 | 91 | 125 | 153 | 286 | 490 | 555 | 555 |
Financials of Star Housing Finance Ltd
Operating, investing and financing cash movement
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -5 | -1 | -2 | -3 | -22 | -14 | -11 | -9 | -6 | -111 | -129 | -65 |
| Cash from Investing Activity + | 0 | 0 | -0 | 0 | 0 | -0 | -0 | -4 | -7 | -10 | -14 | 4 |
| Cash from Financing Activity + | 6 | 5 | -1 | 5 | 21 | 16 | 9 | 32 | 22 | 120 | 176 | 85 |
| Net Cash Flow | 1 | 3 | -4 | 2 | -1 | 2 | -2 | 19 | 9 | -1 | 33 | 23 |
| Free Cash Flow | -5 | -1 | -3 | -3 | -22 | -14 | -11 | -10 | -7 | -114 | -131 | -65 |
| CFO/OP | -577% | -79% | -81% | -83% | -371% | -118% | -83% | -113% | -82% | -614% | -345% | -109% |
Financials of Star Housing Finance Ltd
Working capital efficiency and return ratios
| Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 5% | 5% | 7% | 8% | 14% | 15% | 12% | 3% | 1% | 8% | 7% | 8% |