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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Five-Star Business Finance
Five-Star Business Finance (FIVESTAR) investor relations material
Five-Star Business Finance Q2 26/27 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 26/27 earnings summary26 Oct, 2026
Executive summary
Q2 FY27 disbursements hit a quarterly record of ₹20,778 Mn, up 39% QoQ and 74% YoY; AUM reached ₹146,396 Mn, up 7% QoQ and 14% YoY.
Collections improved and 30+ DPD declined QoQ, while Gross Stage 3 remained at 3.48%; Q2 PAT was ₹29,931.75 lakh, up 10% QoQ and 5% YoY.
Interim results received an unmodified limited-review conclusion from the joint statutory auditors.
Financial highlights
Q2 total income was ₹8,750 Mn, up 8% YoY; net interest income was ₹7,073 Mn, up 13% YoY.
Q2 PBT was ₹37,476.18 lakh, down 2% YoY; PAT was ₹29,931.75 lakh and included a ₹1,875.30 lakh reversal of excess prior-year tax provision.
H1 FY27 total income was ₹17,138 Mn, up 7% YoY; NII was ₹13,746 Mn, up 12%, and PAT was ₹5,707 Mn, up 3%.
Q2 yields were 22.26%; incremental customer lending rates rose 1%, with pass-through expected to build over 24–36 months.
Q2 basic and diluted EPS were ₹10.14 and ₹10.13; book value per share was ₹266.02.
Outlook and guidance
Management expects to comfortably exceed original FY27 AUM growth guidance; any revised target may follow Q3 results.
Slippages and credit costs are expected to remain flattish for the rest of FY27; slippages were indicated at ~70 bps, with a possible downward trend next FY.
FY27 year-end cost of funds could reach ~8.90%; second-half incremental borrowing costs are estimated at 8.70%–8.75%.
Rising funding costs may pressure spreads and NIM; higher yields on new loans should cushion the impact gradually, while operating leverage could lower the quarterly OpEx ratio toward 6.75%–7% over the next couple of years.
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Latest events from Five-Star Business Finance
- FY19 delivered 110% AUM growth, higher PAT and sub-1% 90+ DPD amid NBFC liquidity stress.FIVESTAR
Q4 18/19 - AUM doubled, profits surged and net NPA fell to 0.96%.FIVESTARQ4 17/18
- AUM surged 84% as FY20 profits grew, while COVID-19 disrupted collections and raised credit risk.FIVESTARQ4 19/20
- AUM and earnings grew through COVID disruption, with asset quality and capital remaining strong.FIVESTARQ4 20/21
- PAT rose 26.34% as AUM grew 14%, with Stage 3 assets held to 1.05%.FIVESTARQ4 21/22
- PAT rose 33% as AUM grew 36%, while gross Stage 3 reached 1.36%.FIVESTARQ4 22/23
- FY24 growth accelerated while asset quality stayed resilient and capital remained strong.FIVESTARQ4 23/24
- Record disbursements, strong AUM growth, and robust asset quality drive positive outlook.FIVESTARQ1 26/27
- AUM up 18% YoY to ₹128,471 Mn, PAT up 7%, gross NPA at 2.64%, capital adequacy at 51.04%.FIVESTARQ2 25/26
Next Five-Star Business Finance earnings date
Q3 26/2728 Jan, 2027
Five-Star Business Finance
Next Five-Star Business Finance earnings date
Q3 26/2728 Jan, 2027
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Frequently asked questions
Five-Star Business Finance Limited is a specialized financial services company based in India, focused on addressing the needs of the un-banked and under-banked segments of the country. It operates as a registered Non-Banking Finance Company (NBFC-ND-SI) under the Reserve Bank of India (RBI). The company's mission is to provide appropriate and responsible credit services to these segments, helping to fund individuals and small to medium enterprises that are often considered unfundable. This includes a diverse range of customers from small shop owners, flower vendors, and masons to medium enterprises that significantly contribute to India's economy. The company is headquartered in Chennai, Tamil Nadu.