| Margins | Spreads healthy; cost of funds dropped from 9.64% to 9.21% YoY. |
|---|---|
| Demand visibility | Strong pent-up demand in micro-LAP and small business segments. |
| Management confidence | High; management states 'the worst is behind us' regarding asset quality. |
Growth
Portfolio growth of 11% for FY26; full-year PAT grew 2% YoY. Incremental debt cost dropped to 8.53%.
Outlook
Guided for 20% AUM growth in FY27; planned 60-75 new branch openings. Steady-state credit cost projected at 1.5-1.6%.
Risks
Asset quality stress in lower-ticket LAP due to MFI overlap; geopolitical impacts on remittances and eateries (sub-1%).
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.
More from Five-Star Business Finance Ltd
All →Five-Star Business Finance Employee Stock Options
Five-Star Business Finance allotted 7,040 equity shares under its 2018 ESOP scheme. Paid-up capital rose to ₹29.52 Crore following the option exercise.
Five-Star Business Finance Annual General Meeting
Five-Star Business Finance Limited concluded its 42nd AGM on August 31, 2026. Shareholders approved a final dividend of Rs. 2 per equity share for FY 2025-26.
Five-Star Business Finance Employee Stock Options
Five-Star Business Finance allotted 650 equity shares following the exercise of employee stock options. The shares were issued at an exercise price of INR 1 per share.
Five-Star Business Finance Other Announcement
Five-Star Business Finance submitted its Business Responsibility and Sustainability Report (BRSR) for FY 2025-26, detailing the company's sustainability initiatives and ESG performance.
Five-Star Business Finance Annual General Meeting
Five-Star Business Finance has scheduled its 42nd Annual General Meeting for August 31, 2026. The meeting will consider approving NCD issuance limits up to ₹5,000 Crore.
- Value
- ₹5,000 Cr
Five-Star Business Finance Annual General Meeting
Five-Star Business Finance announced the publication of its 42nd Annual General Meeting notice in newspapers. The AGM will be held via video conferencing.