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Five-Star Business Finance
Five-Star Business Finance (FIVESTAR) investor relations material
Five-Star Business Finance Q3 25/26 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 25/26 earnings summary29 Jan, 2026
Executive summary
Focused on stabilizing collections and asset quality amid ongoing stress in small ticket loans, with a three-step approach: understanding the crisis, fixing problems, and preparing for growth.
AUM grew 16% year-over-year to ₹129,641 Mn as of Dec 31, 2025, with 835 branches and 0.49 Mn active loans.
Loan disbursements for Q3FY26 were ₹9,764 Mn, up 4% year-over-year.
Unaudited financial results for the quarter and nine months ended December 31, 2025, were approved, with a clean review report from auditors and no qualifications or modifications noted.
Management remains cautious, prioritizing long-term credit culture over short-term cleanups, and expects to accelerate growth after confirming sustained improvements.
Financial highlights
PAT for Q3 stood at INR 277 crore, a 3% sequential decline due to a one-off in the previous quarter and labor code impact, but up from INR 274 crore year-over-year.
For the nine months ended December 2025, PAT was INR 830 crore, up 5% year-over-year.
Net total income for Q3FY26 rose 13% to ₹6,337 Mn compared to Q3FY25.
Pre-provision operating profit (PPOP) increased 10% to ₹4,259 Mn year-over-year.
Disbursements in Q3 were INR 976 crore, down 18% sequentially, reflecting a deliberate slowdown to focus on collections.
Outlook and guidance
No specific growth guidance provided; management will revisit growth targets after Q4, once collection strategies are fully in place and asset quality stabilizes.
Focus on expanding branch network and increasing average ticket size to drive future growth.
The company recognized an incremental provision of ₹209.40 lakh for employee benefits due to the new Labour Codes, with further impact to be reassessed based on final rules and industry practices.
Explain Stage 3 asset ratio increase
New Labour Codes: Final impact assessment
Why did net profit margin decline?
"Behavioral crisis" impact on future credit culture?
What specific metrics signal growth acceleration?
OpEx impact on future spread protection
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Next Five-Star Business Finance earnings date
Q4 25/2624 Apr, 2026
Five-Star Business Finance
Next Five-Star Business Finance earnings date
Q4 25/2624 Apr, 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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