| Revenue growth | PAT at ₹277cr, up 1% YoY; growth intentionally moderating. |
|---|---|
| Margins | NIMs compressed 50bps YoY due to lower yields and opex. |
| Management confidence | Balanced; prioritized fixing internal collection 'problems' over aggressive expansion. |
Growth
Growth is intentionally muted; disbursements fell 18% QoQ as management focuses on fixing collection infrastructure.
Outlook
PAT grew 5% YoY to ₹830cr for 9MFY26; management avoids specific FY27 guidance until collections stabilize.
Risks
Behavioral crisis in borrowers and rising Stage 3 slippages threaten the credit culture and recovery timelines.
Last quarter's promises, checked
Delivered
- Guided collection stability → Unique collection 98.1% (= BEAT)
- Guided cost of funds drop → 9.64% to 9.21% FY26 (= BEAT)
- Guided incremental debt cost → 8.53% vs 9.12% Q3 (= BEAT)
Partly delivered
- Guided 20% AUM growth → 11% actual; 20% target pushed to FY27 (= PARTIAL)
Missed
- Guided 15% disbursement growth → 11% actual FY26 (= MISS)
- Guided 90 branch openings → 60-75 planned (= 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
- ₹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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- 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, choosing slow growth and aggressive collections over technical write-offs. While PAT is stable, elevated slippages and moderated disbursements signal significant near-term stress.