Five-Star Business Finance Ltd
Investor Press Release on the Financial and Operational Performance of the Company for the quarter ended June 30, 2026
RESULTS
◆ Monitor Closely
MEDIUM RISK
📅 Filed on BSE: 25 Jul 2026, 07:22 PM IST · BSE ID: f5dc60f7-8675-46ea-9ff3-bbc434f16702
View Original BSE Filing (PDF)
💡
In Simple Terms
The company's first-quarter profit rose by 2%, and its loan portfolio grew by 10%, alongside higher loan payouts.
🤖 AI Summary
- Five-Star Business Finance reported a Profit After Tax (PAT) of Rs 271 Cr for Q1 FY27, marking a 2% increase year-on-year.
- Assets Under Management (AUM) reached Rs 13,722 Cr as of June 30, 2026, reflecting a 10% growth year-on-year.
- Disbursements for Q1 FY27 stood at Rs 1,496 Cr, representing a 16% increase compared to Q1 FY26.
- Gross Stage 3 Assets rose to 3.46% in Q1 FY27, an increase of 1.00% compared to 2.46% in Q1 FY26.
- The company expanded its branch presence to 856 branches across 11 states/UTs, adding 12 new branches during the quarter.
🔢 Key Numbers — exact figures from BSE filing, not rounded
Disbursements
1,496 Rs Cr
16%
Gross Stage 3 Assets
3.46%
1.00%
Net Stage 3 Assets
2.10%
0.85%
Net Interest Margin*
19.97%
-0.02%
Return on Average AUM
8.11%
-0.69%
Return on Equity
14.46%
-2.11%
🏢 How This Affects the Company
The company achieved its highest quarterly disbursements ever at Rs 1,496 Cr, contributing to a 10% year-on-year AUM growth to Rs 13,722 Cr. Expansion by 12 new branches increased its distribution network to 856 branches across 11 states/UTs.
PAT increased to Rs 271 Cr, a 2% YoY rise, while Net Interest Margin slightly decreased to 19.97%. Cost of funds on the overall borrowing book eased to 8.80% in Q1 FY27 from 8.95% in Q4 FY26.
Collections remained robust with unique customer collection efficiency at 97.9%, and X-bucket collections at 99.2%, contributing to the current bucket AUM proportion moving up to 83.30%.
Gross Stage 3 Assets increased to 3.46% from 2.46% YoY and 3.37% QoQ, indicating a rise in non-performing assets, although slippage ratio remained steady at 0.70%.
👥 What This Means For Shareholders
✅
Action Required
No specific action is required from shareholders based on this financial results filing.
👤
Who Is Affected
Shareholders are indirectly affected by the company's financial and operational performance, including PAT of Rs 271 Cr and AUM growth to Rs 13,722 Cr.
🔍
Management Signal
Management indicates a focus on accelerating disbursements and portfolio growth, alongside maintaining robust collections and proactive risk management, with a full-year AUM growth guidance of 20%.
For information only. Not investment advice. ForgeUp is not SEBI-registered.
👁 Watch List — track these upcoming events
Q2 FY27 financial results — check AUM growth and asset quality trends.
Collection efficiency metrics — monitor further stabilization or improvement.
Cost of funds trajectory — verify continued downward trend.
MEDIUM RISK
Rising Gross Stage 3 Assets and declining RoE present asset quality and profitability concerns requiring close monitoring.
💡 Investor Takeaway
Five-Star Business Finance reported Q1 FY27 PAT of Rs 271 Cr, up 2% YoY, with AUM at Rs 13,722 Cr, a 10% YoY growth. Disbursements reached Rs 1,496 Cr. Gross Stage 3 Assets increased to 3.46%, while Return on Equity declined to 14.46%.
⚖️ Strengths & Concerns
✅ Positives
- AUM grew to Rs 13,722 Cr, representing a 10% year-on-year increase and 4% quarter-on-quarter, indicating strong portfolio growth.
- Disbursements reached a historical high of Rs 1,496 Cr, up 16% YoY and 23% QoQ, reflecting strong business traction.
⚠️ Concerns
- Gross Stage 3 Assets increased to 3.46% in Q1 FY27, up 1.00% from 2.46% in Q1 FY26, indicating deterioration in asset quality.
- Return on Equity decreased to 14.46% in Q1 FY27, down 2.11% from 16.57% in Q1 FY26, and 0.63% from Q4 FY26.
📅 Company Track Record
Five-Star Business Finance reported Q4 FY26 AUM of Rs. 13,225 Cr (+11% YoY) and PAT of Rs. 10,988 Mn (+2%). The Q1 FY27 PAT of Rs 271 Cr indicates a sequential increase from Q4 FY26 PAT of Rs 269 Cr, while YoY growth remained modest at 2%.
Based on publicly available historical data. For context only.
❓ Frequently Asked Questions
What was Five-Star Business Finance's net profit in Q1 FY27?
Five-Star Business Finance reported a Profit After Tax (PAT) of Rs 271 Cr for Q1 FY27, an increase of 2% compared to Q1 FY26.
What was the Assets Under Management (AUM) for Five-Star Business Finance in Q1 FY27?
The Assets Under Management (AUM) for Five-Star Business Finance stood at Rs 13,722 Cr as of June 30, 2026, reflecting a 10% year-on-year growth.
How much did Five-Star Business Finance disburse in Q1 FY27?
Five-Star Business Finance disbursed Rs 1,496 Cr in Q1 FY27, which is a 16% increase year-on-year and a 23% increase quarter-on-quarter.
What was the Gross Stage 3 Assets percentage for Five-Star Business Finance in Q1 FY27?
Gross Stage 3 Assets for Five-Star Business Finance were 3.46% in Q1 FY27, an increase of 1.00% from 2.46% in Q1 FY26.
What was the Return on Equity (RoE) for Five-Star Business Finance in Q1 FY27?
The Return on Equity (RoE) for Five-Star Business Finance was 14.46% in Q1 FY27, a decrease of 2.11% compared to 16.57% in Q1 FY26.
Questions based on this BSE filing only. For information purposes.