| Revenue growth | PAT at ₹277cr, up 1% YoY; disbursement volume down 18% QoQ. |
|---|---|
| Margins | NIMs compressed by 50bps YoY; spreads stable at 13.9%. |
| Demand visibility | Moderated by choice; prioritizing collection efficiency before re-accelerating growth. |
| Management confidence | Cautiously optimistic, focusing on credit culture restoration over technical write-offs. |
Growth
Disbursements fell 18% QoQ as the company pivoted to fixing asset quality rather than chasing volume.
Outlook
Recovery trend expected in Q4; current liquidity buffer stands robust at ₹2,276 crores.
Risks
Persistent stress in the under 3-lakh segment and rising slippages in Stage 3 assets remain significant triggers.
Earnings Call filed with NSE, NSE: FIVESTAR. Summary written with AI assistance from 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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- Value
- ₹5,000 Cr
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