| Margins | Spreads healthy; cost of funds dropped from 9.64% to 9.21% YoY. |
|---|---|
| Demand visibility | Strong pent-up demand in micro-LAP and small business segments. |
| Management confidence | High; management states 'the worst is behind us' regarding asset quality. |
Growth
Portfolio growth of 11% for FY26; full-year PAT grew 2% YoY. Incremental debt cost dropped to 8.53%.
Outlook
Guided for 20% AUM growth in FY27; planned 60-75 new branch openings. Steady-state credit cost projected at 1.5-1.6%.
Risks
Asset quality stress in lower-ticket LAP due to MFI overlap; geopolitical impacts on remittances and eateries (sub-1%).
Earnings Call filed with BSE, 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 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
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- Key figure
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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.