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Five-Star Business Finance Limited (FIVESTAR) investor relations material
Five-Star Business Finance Limited Q2 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 25/26 earnings summary29 Oct, 2025
Executive summary
Q2 marked stabilization after a challenging Q1, with early signs of revival and expectations for stronger performance in H2; AUM grew 18% year-over-year to ₹128,471 Mn as of Sep 30, 2025.
Strategic tightening in sourcing, underwriting, and collections led to a temporary dip in disbursements but is expected to drive higher quality growth ahead.
Expansion continued with 33 new branches and 769 business and collection offices added in Q2, totaling 800 branches.
A new housing loan product was launched, targeting future growth and product diversification.
Unaudited financial results for the quarter and half year ended September 30, 2025, were approved with an unmodified review report from auditors, confirming compliance and no material misstatements.
Financial highlights
Q2 PAT reached ₹2,861 Mn, up 7% year-over-year; net total income for Q2FY26 increased 15% year-over-year to ₹6,265 Mn.
Disbursements for Q2FY26 were ₹11,959 Mn, down 4% year-over-year due to stricter onboarding controls.
Collection efficiency improved to 96.7% from 96.3% in Q1; unique customer collections stable at 95.1%.
Liquidity on the balance sheet stood at ₹23,600 Mn as of Sep 30, 2025.
Pre-provision operating profit (PPOP) for Q2FY26 was ₹4,329 Mn, up 14% year-over-year.
Outlook and guidance
Management reaffirmed FY 2026 AUM growth guidance of 25% and credit cost guidance of 1.25%-1.35% of total assets.
No change in guidance for growth, profitability, asset quality, or credit cost; improvements expected in H2.
Focus on expanding branch network, increasing average ticket size, and deeper penetration in core geographies.
Housing loan product expected to contribute 1%-1.5% of AUM in the first year, with further scaling planned.
Liquidity coverage ratio remains robust at 350% as of September 30, 2025.
Analyze the rise in Stage 3 Assets Ratio.
Detail factors behind higher impairment costs.
Provide an update on restructured loan recovery.
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Next Five-Star Business Finance Limited earnings date
Q3 25/2631 Jan, 2026
Next Five-Star Business Finance Limited earnings date
Q3 25/2631 Jan, 2026
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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.
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