| Revenue growth | PAT grew 1% YoY to ₹277 Cr; growth moderated by cautious disbursements. |
|---|---|
| Margins | NIMs compressed 50bps YoY due to lower yields and higher opex. |
| Management confidence | Cautious but resolute; focusing on 'fixing the problem' before accelerating. |
Growth
AUM growth moderated as disbursements fell 18% QoQ; management is intentionally slowing to fix asset quality.
Outlook
Management expects recovery trends to stabilize in Q4, aiming for a return to growth acceleration in FY27.
Risks
Persistent stress in the <₹3 Lakh segment and behavioral shifts in MFI borrowers threaten credit culture.
Earnings Call filed with NSE, NSE: FIVESTAR. Summary written with AI assistance from the document.
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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Five-Star Business Finance Earnings Call Transcript: Key Takeaways
Five-Star Business Finance delivered a record quarter with disbursements reaching 1,496 crores, signaling a strong recovery in growth momentum after four quarters of asset quality stabilization.
- Call
- Guides 20% growth
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Five-Star Business Finance Ltd reported revenue from operations of ₹829 Cr (+5.4% YoY) and net profit of ₹271.4 Cr (+1.9% YoY) for Q1 FY27.
- Key figure
- Net profit ₹271.4 Cr · +1.9% YoY
Five-Star Business Finance Earnings Call: Key Takeaways
Management is navigating a 'behavioral' credit crisis in small-ticket loans by prioritizing collection stability over disbursement growth, resulting in moderated business momentum.
Five-Star Business Finance Earnings Call: Key Takeaways
Management is navigating a 'behavioral' credit crisis in small-ticket loans, choosing slow growth and aggressive collections over technical write-offs. While PAT is stable, elevated slippages and moderated disbursements signal significant near-term stress.