Five-Star Business Finance Ltd (NSE:FIVESTAR)

Q4 2026 Five-Star Business Finance Ltd Earnings Call Transcript

Apr 28, 2026 / 04:30 AM GMT

Release Date Price: ₹498.15 (-0.46%)

Transcript

Key Points

Positve

Five-Star Business Finance Ltd (BOM:543663) reported a unique customer collection efficiency of 98.1%, one of the best in its history.
The company's disbursement for the quarter increased by 24% over the previous quarter, indicating a refocus on distribution and portfolio growth.
Five-Star Business Finance Ltd (BOM:543663) secured a significant funding of 100 million from the Asian Development Bank, reinforcing lender confidence.
The company achieved a full-year PAT growth of 2% despite challenging conditions, with a PAT of 1,099 crores.
Return on average AEM and return on equity remain healthy at 8.68% and 16% respectively, showcasing strong financial performance.

Negative

The company faced asset quality headwinds, with an increase in DPDs and NPAs due to MFI overlap.
There was a senior management exit during the year, although the company claims it had no impact on performance.
The cost of funds, although reduced, remains relatively high at 8.95% for the quarter.
The company's PAT for the quarter was 3% lower compared to the previous quarter due to higher personal expenses.
Credit cost increased slightly to 1.88% of average AEM, indicating ongoing challenges in managing credit risk.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

FIVS.NS - Five-Star Business Finance Ltd
Q4 2026 Five-Star Business Finance Ltd Earnings Call
Apr 29, 2026 / 04:30AM GMT

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Presentation
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Unidentified_1 [1]
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Ladies and gentlemen, good day and welcome to the Five Star Business Finance Limited Q4 FY26 Earnings Conference Call.

As a reminder, all participant lines will be in the listen-only mode and there will be an opportunity for you to ask questions after the presentation concludes. Should you need assistance during this conference call, please signal an operator by pressing star, then zero on your touch tone phone.

Please note that this conference is being recorded.

I now hand the conference over to Mr. Raghav Garg from Ambit Capital.

Thank you and over to you, sir.

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Unidentified_2 [2]

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