| Revenue growth | AEM grew 11% YoY; Q4 disbursement up 24% QoQ. |
|---|---|
| Margins | Spreads remained healthy despite 200bps yield drop over 18 months. |
| Demand visibility | Strong demand in 3-5 lakh ticket size segment across South India. |
| Management confidence | Balanced; acknowledging past headwinds while optimistic about FY27 recovery. |
Growth
AEM grew 11% in a tough year; Q4 disbursements rose 24% sequentially to ₹1,213 crores.
Outlook
Guided FY27 AEM growth of 20%; credit cost projected at 1.7-1.75% for next year.
Risks
Rising DPDs and NPAs due to microfinance overlap stress; senior management exit impact being monitored.
Earnings Call filed with BSE, NSE: FIVESTAR. Summary written with AI assistance from the document.
Five-Star Business Finance Ltd: key numbers
- Share price
- ₹509.00
- Market cap
- ₹15,025 Cr
- Revenue (annual)
- ₹3,218 Cr
- Net profit (annual)
- ₹1,099 Cr
- P/E (TTM)
- 13.6×Sector 21.9×
- 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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