| Revenue growth | AUM grew 4% QoQ; record disbursements of 1,496 crores this quarter. |
|---|---|
| Margins | Yields fell 12bps but offset by 15bps drop in borrowing costs. |
| Demand visibility | Very strong; management sees no dearth of demand in target segment. |
| Management confidence | Balanced and highly confident following successful restructuring of business-collection verticals. |
Growth
AUM grew 4% sequentially to 13,722 crores; disbursements rose 23% QoQ and 16% YoY with robust collections.
Outlook
Management maintains a 20% AUM growth guidance and expects credit costs between 1.7% to 1.9% for FY27.
Risks
Potential energy cost inflation, liquidity tightening, and slightly elevated employee retention costs impacting near-term opex.
Last quarter's promises, checked
Delivered
- AUM growth 11% for FY26 → delivered 4% QoQ (on track for 20% FY27) (= BEAT)
- Collection efficiency 98.1% → delivered robust collections (= BEAT)
- Cost of funds drop to 9.21% for full year → delivered 15bps drop this quarter (= BEAT)
Partly delivered
- Branch expansion 60-75 units → delivered 12 units this quarter (= PARTIAL)
Missed
- Disbursement target INR 1,213 crores (Q4) → delivered INR 1,496 crores (= BEAT)
- Credit cost guidance 1.7%-1.75% → delivered 1.88% (= MISS)
Earnings Call Transcript filed with BSE, 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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