Five-Star Business Finance Q1 FY27 call set for Jul 27

What has been announced

Five-Star Business Finance (FIVESTAR) has scheduled its Q1 FY27 earnings conference call for July 27, 2026, at 10:00 AM IST. The update puts the focus back on how the lender is balancing loan book growth with asset quality and operating costs. Market participants are also watching the company’s branch expansion, especially beyond its core southern markets.

The announcement comes alongside widely tracked quarterly financial disclosures that show a steady rise in operating revenue through FY26, but a softer trend in net profit between the peaks seen in the middle of FY26. With no quarterly earnings forecast data cited for the stock in the provided material, the management call becomes a key near-term touchpoint for investors.

Stock and trading snapshot around the update

Five-Star Business Finance shares were indicated at ₹489.80, down ₹6.20 or 1.25% in the cited snapshot. The day’s range mentioned was a high of ₹495.05 and a low of ₹488.9.

Exchange quotes also reflected weakness on the day: BSE showed ₹496, down ₹7.60 (1.51%), while NSE showed ₹493.45, down ₹10.00 (1.99%). The NSE volume mentioned was 8.13 lakh shares. The update timestamps cited were Tue, 23 Jun, 2026 (BSE at 15:52:12 and NSE at 15:30:03).

The same market data set listed a 52-week range of ₹338.05 to ₹794.60. These figures provide context for how investors are pricing in both growth and asset quality risks in the NBFC segment.

What investors are likely to track on the July 27 call

The stated focus areas include sustainability of AUM growth, asset quality in the South Indian market, and the expansion of the branch network into North and Central India. Separately, a market expectation line in the material points to maintaining 30% to 35% year-on-year AUM growth, with an estimated AUM of about ₹13,500 crore.

The same set of expectations also referenced a target return on assets (ROA) of around 8% and a gross NPA target below 1.5%. It also cited historical PAT growth of around 37% year-on-year. Since these are framed as market expectations and targets in the supplied text, the call will matter for clarity on whether these levels remain feasible.

Quarterly trend: operating revenue and profitability

Across the five quarters listed from Mar 2025 to Mar 2026, operating revenue rose from ₹752.27 crore to ₹816.95 crore. Net profit moved from ₹279.13 crore in Mar 2025 to ₹269.27 crore in Mar 2026, with the intervening quarter Sep 2025 at ₹286.14 crore.

Costs and funding remain central to the model. Interest expended ranged between ₹175.30 crore and ₹188.53 crore over the same period. Operating expenses rose from ₹204.38 crore (Mar 2025) to ₹277.45 crore (Mar 2026), which is a key line item investors typically map to branch additions, employee costs, and collection intensity.

Key financials table (₹ crore unless stated)

Q1 performance snapshot: expense build and income growth

The Q1 results highlights table (quarter ended Jun 2025) showed total revenue of ₹786.68 crore versus ₹816.95 crore in Mar 2026, and net income of ₹266.31 crore versus ₹269.27 crore in Mar 2026. On a year-on-year comparison in that table, total revenue in Jun 2025 was shown at 18.09% higher than Jun 2024, while net income was 5.86% higher than Jun 2024.

The same table showed total operating expense at ₹248.94 crore in Jun 2025 versus ₹175.00 crore in Jun 2024, indicating a 42.25% year-on-year rise for that quarter. This cost line is likely to be discussed in the context of branch additions, underwriting and collections, and scale-up investments.

FY26 and Q4 FY26: income and dividend details

The material also included a consolidated view for Q4 FY26 (quarter ended March 31, 2026) showing total income of ₹826.06 crore (from ₹82,605.82 lakh). This compared with ₹822.22 crore in Q3 FY26 (from ₹82,222.38 lakh), a 0.47% quarter-on-quarter increase, and ₹759.75 crore in Q4 FY25 (from ₹75,974.98 lakh), an 8.73% year-on-year increase.

Profit for the period in Q4 FY26 was ₹269.27 crore (from ₹26,926.78 lakh), compared with ₹277.03 crore in Q3 FY26 (from ₹27,702.78 lakh), down 2.80% QoQ. It was also below ₹279.12 crore in Q4 FY25 (from ₹27,912.39 lakh), down 3.53% YoY.

For the full year FY26, total revenue from operations was stated as ₹3,218.12 crore (from ₹3,21,812.35 lakh), versus ₹2,847.84 crore in FY25. Total income for FY26 was ₹3,245.97 crore (from ₹3,24,597.17 lakh), versus ₹2,866.02 crore in FY25, a 13.26% year-on-year rise.

The board recommendation included a final dividend of ₹2 per equity share (200% of face value of ₹1) for the year ended March 31, 2026.

Asset quality and operating metrics cited earlier

In the supplied information set for Q1 FY2026 (quarter ended June 30, 2025), Five-Star Business Finance reported AUM of ₹12,458 crore, up 20% year-on-year, and disbursements of ₹1,290 crore, down 2% YoY. Gross Stage 3 assets were reported at 2.46% versus 1.41% in Q1 FY25, while net Stage 3 assets were 1.25% versus 0.68%.

The same section cited PAT of ₹266 crore (up 6% YoY), net interest margin of 16.43% (down 29 bps YoY), ROA of 7.24% (down from 8.23%), and ROE of 16.57% (down from 18.95%). Operationally, the company cited inauguration of 19 new branches to reach 767 branches as of June 30, 2025, with a customer count of about 480,000.

Shareholding line items mentioned

A small shareholding-style table in the material showed a line item labelled “investors” at 78.53 in Mar 2025, rising to 81.39 in Mar 2026. Another line item “atma ram builders pvt ltd...” was shown at 1.59 across all listed quarters. Since the categories and definitions are not provided in the text excerpt, these figures are best read as indicative disclosures rather than a complete ownership breakdown.

Why the July 27 call matters for investors

The earnings call timing is important because the financial tables show a period of rising operating revenue, while net profit and return ratios have faced pressure in some quarters. Investors typically look for management commentary on credit costs, collection efficiency, and customer leverage trends, especially in smaller ticket segments where stress can show up quickly.

With market expectations in the text pointing to AUM of around ₹13,500 crore and a gross NPA target below 1.5%, the discussion is likely to focus on how asset quality is tracking versus internal thresholds. Expansion into North and Central India is another area where investors often demand clarity on underwriting discipline, unit economics of new branches, and the pace of scaling.

Conclusion

Five-Star Business Finance’s July 27, 2026 earnings call sets up an important checkpoint for tracking AUM growth, asset quality movement, and operating expense trajectory. Investors will also watch for updates on branch expansion plans and how management frames profitability after FY26’s income growth and softer profit trend.