ALFA Finder| Revenue growth | Total Income ₹8,387 Mn (+6% y-o-y). |
|---|---|
| Margins | NIM at 19.97%; CoF reduced to 8.80%. |
| Order book | Loan Portfolio at ₹137,218 Mn. |
| Demand visibility | Strong traction in disbursements reaching record levels. |
| Management confidence | High confidence in reaching full-year growth targets. |
Growth
Loan Portfolio reached ₹137,218 Mn (+10% y-o-y). Disbursements hit historic high of ₹14,964 Mn, growing 16% y-o-y.
Outlook
Management expects to achieve full-year growth guidance comfortably. Significant expansion with 856 branches across 11 states/UTs.
Risks
Gross NPA rose to 3.46% from 2.46% y-o-y. NIM slightly compressed by 2 bps y-o-y to 19.97%.
Last quarter's promises, checked
Delivered
- AUM growth guide 20% → delivered 10% y-o-y (= MISS)
- Credit cost guide 1.7-1.75% → delivered 1.88% (= MISS)
- Opex/AUM guide 7-7.25% → delivered ~7% (= BEAT)
Partly delivered
- Collection efficiency guide 98%+ → delivered 97.9% (= PARTIAL)
Missed
- GNPA reduction guide → delivered GNPA 3.46% vs 3.37% prev (= MISS)
- AUM growth guide 20% → delivered 10% (= MISS)
- Credit cost guide 1.7% → delivered 1.88% (= MISS)
Investor Presentation filed with BSE, 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%.