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Earnings Call

Five-Star Business Finance Earnings Call: Key Takeaways

Management is prioritizing collections over growth as small-ticket loans face a 'behavioral crisis' and rising slippages. While NIMs are protected by lower borrowing costs, disbursements have been intentionally throttled to fix asset quality.

Why this was an Alfa AlertNot a filter event. Performance is in line with management's cautious strategy; no material guidance beat.
Highlights
Revenue growthPAT grew 5% YoY for 9M FY26; growth currently moderated.
MarginsNIMs compressed 50bps YoY; spreads stable at 13.9% due to lower costs.
Management confidenceCautiously optimistic; focus on 'fixing problems' before accelerating business.

Growth

PAT grew 5% YoY to ₹830cr for 9M FY26, but disbursements dropped 18% QoQ.

Outlook

Guidance on growth and asset quality revival expected in next 1-2 quarters.

Risks

Persistent stress in Stage 3 assets and elevated slippages despite high collection efficiency.

Source

Earnings Call filed with NSE, NSE: FIVESTAR. Summary written with AI assistance from the document.

Read the document ↗

Five-Star Business Finance Ltd: key numbers

Share price
₹515.30
Market cap
₹15,211 Cr
Revenue (annual)
₹3,218 Cr
Net profit (annual)
₹1,099 Cr
P/E (TTM)
13.8×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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Annual General Meeting

Five-Star Business Finance Annual General Meeting

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Value
₹5,000 Cr
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