| Revenue growth | Moderate growth; PAT up 5% YoY for 9M period. |
|---|---|
| Margins | NIMs compressed 50bps YoY due to lower disbursement yields. |
| Management confidence | Cautiously optimistic; focusing on fixing collection problems before scaling. |
Growth
PAT grew 5% YoY to ₹830cr for 9M FY26; disbursements fell 18% QoQ as management tightened credit filters.
Outlook
Guidance suggests a return to acceleration only after 1-2 quarters of asset quality stabilization.
Risks
Persistent stress in Stage 3 assets and rising slippages indicate borrower over-leverage and poor credit culture contagions.
Earnings Call filed with NSE, NSE: FIVESTAR. Summary written with AI assistance from the document.
Five-Star Business Finance Ltd: key numbers
- Share price
- ₹509.35
- Market cap
- ₹15,036 Cr
- Revenue (annual)
- ₹3,218 Cr
- Net profit (annual)
- ₹1,099 Cr
- P/E (TTM)
- 13.6×Sector 21.8×
- 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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- Value
- ₹5,000 Cr
Five-Star Business Finance Annual General Meeting
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