ALFA Finder| Revenue growth | Moderate growth; 9M PAT grew 5% YoY to ₹830cr. |
|---|---|
| Margins | Yields down 20bps QoQ; stable spreads at 13.9%. |
| Management confidence | Balanced but cautious; focused on 'fixing' over-leveraging issues. |
Growth
AUM growth moderated; disbursements fell 18% QoQ as credit filters tightened. PAT up 5% YoY to ₹830cr for 9M FY26.
Outlook
Aims to resume acceleration in 1-2 quarters once collection vertical is fully operational; ROA remains healthy at 7%.
Risks
Persistent stress in Stage 3 assets; behavioral contagion from MFI sector defaults impacting borrower repayment discipline.
Last quarter's promises, checked
Delivered
- Guided 20% AUM growth for FY27 → delivered 20% target (BEAT)
- Guided 1.7-1.75% credit cost for FY27 → delivered 1.88% Q4 (BEAT)
- Guided ROA 8.25-8.5% → delivered 8.68% for FY26 (BEAT)
Partly delivered
- Guided 60-75 new branches → delivered 90 branches (PARTIAL - Exceeded target but opex rose)
Missed
- Guided 1.5-1.6% steady-state credit cost → delivered 1.88% Q4 (MISS)
- Guided 25% structural growth → delivered 11% for FY26 (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%.