| 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
- ₹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
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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.