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Earnings Call

Five-Star Business Finance Earnings Call: Key Takeaways

Five-Star Business Finance reported FY26 PAT of ₹10,988 Mn (+2% YoY) and AUM growth of 11% to ₹132,246 Mn. Strategy focuses on secured lending to small businesses via proprietary underwriting.

Highlights
Revenue growth13% YoY for FY26
MarginsNIM at 19.86% for FY26 (-60 bps YoY)
Order bookAUM at ₹132,246 Mn
Demand visibilityTargeting 20% growth in FY27
Management confidenceHigh; stating 'worst is behind us'

Growth

AUM grew 11% YoY; FY26 Total Income reached ₹32,460 Mn (+13% YoY); PAT growth was a modest 2% YoY.

Outlook

Management targets 20% AUM growth for FY27; focusing on southern India expansion and 3-10L ticket sizes.

Risks

Gross NPA increased to 3.37% (vs 1.79% FY25); slippage ratio and credit costs showed upward trends during the year.

Source

Earnings Call filed with NSE, NSE: FIVESTAR. Summary written with AI assistance from the document.

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Five-Star Business Finance Ltd: key numbers

Share price
₹520.95
Market cap
₹15,378 Cr
Revenue (annual)
₹3,218 Cr
Net profit (annual)
₹1,099 Cr
P/E (TTM)
13.9×Sector 22.0×
Promoter holding
18.61%+0.00% QoQ
FII holding
43.97%Current quarter

Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.

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Employee Stock Options

Five-Star Business Finance Employee Stock Options

Five-Star Business Finance allotted 7,040 equity shares under its 2018 ESOP scheme. Paid-up capital rose to ₹29.52 Crore following the option exercise.