| Revenue growth | Moderate growth; PAT up 5% YoY for 9M period. |
|---|---|
| Margins | NIMs compressed 50bps YoY due to lower disbursement yields. |
| Management confidence | Cautiously optimistic; focusing on fixing collection problems before scaling. |
Growth
PAT grew 5% YoY to ₹830cr for 9M FY26; disbursements fell 18% QoQ as management tightened credit filters.
Outlook
Guidance suggests a return to acceleration only after 1-2 quarters of asset quality stabilization.
Risks
Persistent stress in Stage 3 assets and rising slippages indicate borrower over-leverage and poor credit culture contagions.
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.
More from Five-Star Business Finance Ltd
All →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.
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
Five-Star Business Finance Investor Presentation: Key Takeaways
Five-Star Business Finance reported Q1FY27 PAT of ₹2,714 Mn (+2% y-o-y). Strategy focuses on secured loans to small businesses with informal income using proprietary underwriting.
Five-Star Business Finance Q1 FY27 Results: Net Profit ₹271.4 Cr, Up 1.9% YoY
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.