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Five-Star Business Finance Limited (FIVESTAR) investor relations material
Five-Star Business Finance Limited Q1 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Q1 FY26 was a muted quarter with lower growth and asset quality challenges, mainly due to overleveraging in small-ticket borrowers and regional stress in Karnataka and Andhra Pradesh.
AUM grew 20% year-over-year to ₹124,578 Mn as of June 30, 2025, with net quarterly growth of ₹5,808 Mn.
CEO Ranga is stepping down, but operational continuity is assured with a strong second-line management.
Unaudited financial results for the quarter ended June 30, 2025, were approved with an unmodified review report from statutory auditors, confirming compliance with SEBI LODR regulations.
Branch network expanded to 767, adding 19 branches in the quarter.
Financial highlights
Profit after tax for the quarter was ₹2.66 crore, up 6% year-over-year but down 5% sequentially due to higher credit costs.
Total income for Q1 FY26 was ₹79,118.74 lakh, up from ₹66,938.11 lakh year-over-year.
Net total income grew 18% year-over-year to ₹6,039 Mn.
Cost of funds reduced by 10 bps quarter-on-quarter, with incremental debt at 8.59%, 70 bps lower than last quarter.
Cost to income ratio (including credit cost) increased to 41.34% from 34.34% in Q1FY25.
Outlook and guidance
Growth and profit guidance for FY26 maintained at 25% AUM growth and 12–15% profit growth.
Credit cost guidance revised to 1.2–1.25% for the full year, up from previous 0.7%.
Cost-to-income ratio expected to normalize to 35–37% for FY26.
Strategy focuses on expanding branch network and increasing average ticket size to drive portfolio growth.
Emphasis on robust risk management and technology investments to support growth.
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