| Revenue growth | PAT up 5% for 9M; disbursements down 18% QoQ. |
|---|---|
| Margins | NIMs compressed 50bps YoY due to credit costs and opex. |
| Management confidence | Cautiously optimistic; focusing on fixing collection issues before accelerating growth. |
Growth
PAT grew 5% YoY to ₹830cr for 9MFY26; disbursements fell 18% QoQ as management tightened underwriting controls.
Outlook
Management expects recovery in Q4 FY26; net worth crossed ₹7,000cr; ADB loan of $100M secured for future expansion.
Risks
Persistent stress in the <₹3 lakh segment; Stage 3 assets remain elevated despite aggressive technical write-offs.
Last quarter's promises, checked
Delivered
- Guided Q4 recovery → achieved 98.1% unique collection efficiency (= BEAT)
- Guided cost of funds drop → fell from 9.64% to 9.21% FY26 (= BEAT)
- Guided Stage 2 stabilization → 61-90 bucket fell from 5.1% to 4.8% (= BEAT)
Partly delivered
- Guided branch expansion → opened 90 branches vs 96 previous year (= PARTIAL)
Missed
- Guided 9M PAT growth 5% → Q4 PAT fell 3% QoQ (= MISS)
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
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