| Revenue growth | PAT grew 5% YoY for 9M FY26; disbursements moderated. |
|---|---|
| Margins | NIMs compressed 50bps YoY due to higher opex and credit costs. |
| Management confidence | Cautiously optimistic; focused on fixing internal collection vertical. |
Growth
PAT grew 5% YoY to ₹830cr for 9M; disbursements fell 18% QoQ as collections took priority.
Outlook
N/A - Management explicitly refused to provide numeric guidance until collection strategy stabilizes over 1-2 quarters.
Risks
Stage-3 slippages remain elevated due to persistent borrower stress and deteriorating credit culture across the industry.
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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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
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Five-Star Business Finance Investor Presentation: Key Takeaways
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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.
Five-Star Business Finance Earnings Call: Key Takeaways
Five-Star is navigating a self-induced growth slowdown to fix a 'behavioral' asset quality crisis in the small-ticket segment. Management is prioritizing collection stability and 'credit culture' over immediate disbursement acceleration.