| Revenue growth | Moderate growth; 9M PAT grew 5% YoY to ₹830cr. |
|---|---|
| Margins | Yields down 20bps QoQ; stable spreads at 13.9%. |
| Management confidence | Balanced but cautious; focused on 'fixing' over-leveraging issues. |
Growth
AUM growth moderated; disbursements fell 18% QoQ as credit filters tightened. PAT up 5% YoY to ₹830cr for 9M FY26.
Outlook
Aims to resume acceleration in 1-2 quarters once collection vertical is fully operational; ROA remains healthy at 7%.
Risks
Persistent stress in Stage 3 assets; behavioral contagion from MFI sector defaults impacting borrower repayment discipline.
Last quarter's promises, checked
Delivered
- Guided 20% AUM growth for FY27 → delivered 20% target (BEAT)
- Guided 1.7-1.75% credit cost for FY27 → delivered 1.88% Q4 (BEAT)
- Guided ROA 8.25-8.5% → delivered 8.68% for FY26 (BEAT)
Partly delivered
- Guided 60-75 new branches → delivered 90 branches (PARTIAL - Exceeded target but opex rose)
Missed
- Guided 1.5-1.6% steady-state credit cost → delivered 1.88% Q4 (MISS)
- Guided 25% structural growth → delivered 11% for FY26 (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
- ₹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.
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- Value
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