ALFA Finder| Revenue growth | PAT up 5% YoY for 9M; disbursements moderated to prioritize collections. |
|---|---|
| Margins | NIMs compressed 50bps YoY; spreads stable at 13.9% due to lower funding costs. |
| Management confidence | Cautiously optimistic; focusing on fixing 'behavioral' collection issues before growth. |
Growth
PAT grew 5% YoY to ₹830cr for 9M; however, disbursements fell 18% QoQ as management tightened controls.
Outlook
Guided for a return to growth acceleration only after 1-2 quarters of asset quality stabilization.
Risks
Persistent stress in micro-loans, rising Stage 3 NPAs (slippages), and potential OpEx pressure from aggressive collection hiring.
Last quarter's promises, checked
Delivered
- Guided cost of funds drop → delivered drop from 9.64% to 9.21% (= BEAT)
- Guided unique customer collection efficiency → delivered 98.1% (= BEAT)
- Guided incremental debt cost → delivered 8.53% (= BEAT)
Partly delivered
- Guided branch expansion (90-96 range) → delivered 60-75 planned (= PARTIAL)
- Guided PAT growth → delivered 2% full year growth (= PARTIAL)
Missed
- Guided AUM growth (historical 25%+) → delivered 11% (= MISS)
- Guided slippage ratio stability → delivered 1.9% peak before Q4 drop (= MISS)
Earnings Call filed with NSE, NSE: FIVESTAR. Summary written with AI assistance from the document.
Five-Star Business Finance Ltd: key numbers
- Share price
- ₹456.50
- Market cap
- ₹13,476 Cr
- Revenue (annual)
- ₹3,218 Cr
- Net profit (annual)
- ₹1,099 Cr
- P/E (TTM)
- 12.1×Sector 20.8×
- Promoter holding
- 18.61%+0.00% QoQ
- FII holding
- 43.54%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 Other Announcement
Five-Star Business Finance filed its quarterly shareholding pattern for the period ended 30 September 2026. This routine Regulation 31 disclosure reports no business event.
Five-Star Business Finance Earnings Call Transcript: Key Takeaways
Five-Star Business Finance reported robust Q2 results with record disbursements and improving asset quality. Management remains highly optimistic about over-delivering on prior growth guidance.
- Call
- Guides 25% growth
Five-Star Business Finance Management Change
Five-Star Business Finance appointed Mr. Shankar Subramanian as Chief Risk Officer for three years from October 26, 2026. Mr. Jayaraman S stepped down from the role due to an internal movement within the Company.
Five-Star Business Finance Q2 FY27 Results: Net Profit ₹299.3 Cr, Up 4.6% YoY
Five-Star Business Finance Ltd reported revenue from operations of ₹858.5 Cr (+7.4% YoY) and net profit of ₹299.3 Cr (+4.6% YoY) for Q2 FY27.
- Key figure
- Net profit ₹299.3 Cr · +4.6% YoY
Five-Star Business Finance Results Update
Five-Star Business Finance reported Q2FY27 PAT of Rs.299 Crore, up 5% year-on-year. Disbursements surged 74% to Rs.2,078 Crore, with AUM at Rs.14,640 Crore.
- new branches
- 19.0 branches
Five-Star Business Finance Investor Presentation: Key Takeaways
Q2FY27: PAT ₹2,993 Mn (+5% YoY, +10% QoQ); record disbursals ₹20,778 Mn (+74% YoY); AUM ₹146,396 Mn (+14% YoY); NIM 19.87%; GNPA 3.48%.