Earnings Call/Transcript
Five-Star Business Finance Earnings Call Audio
Five-Star Business Finance has released the audio recording of its Q2 FY27 earnings call held on October 26, 2026.
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Finance
Non Banking Financial Company (NBFC)
13,232 Cr
High Risk
12.0
15.4
0.7
1.8
665.95
338.05
Sales CAGR
Profit CAGR
ROE
ROCE

Five-Star Business Finance Ltd (FIVESTAR) is currently trading at 414.85 per share. Stock prices fluctuate during market hours on NSE and BSE based on demand, company updates, and overall market conditions. Refer to the live price chart above for the most recent price movement.
Five-Star Business Finance Limited is a non-deposit-taking NBFC providing secured loans to micro-entrepreneurs, small-business owners and self-employed individuals underserved by traditional lenders. Its typical loans are secured by self-occupied residential property and support business needs, refinancing, home improvements and other personal mortgage purposes across predominantly semi-urban and rural markets. Five-Star delivered its strongest quarterly disbursement performance, with Q2FY27 disbursements rising 39% sequentially and 74% year-on-year to ₹2,078 crore. AUM increased 7% sequentially and 14% year-on-year to ₹14,640 crore, while the branch network reached 875 across 11 states and union territories, demonstrating renewed operating momentum after FY26 challenges. Collection indicators improved meaningfully despite elevated industry stress. Customer collection efficiency excluding NPAs increased to 98.2%, X-bucket collections reached 99.4%, current-bucket AUM rose to 84.78%, and 30+ DPD declined to 11.50%. However, gross Stage 3 assets remained high at 3.48%, substantially above 2.64% a year earlier. Profitability recovered sequentially but remains pressured year-on-year by higher operating expenses and credit costs. Q2FY27 PAT grew 10% sequentially and 5% year-on-year to ₹299 crore, while NIM stayed strong at 19.87%. The company also maintained substantial liquidity of ₹2,407 crore and a diversified lender base, supporting continued balance-sheet growth.
Over the past 52 weeks, Five-Star Business Finance Ltd has traded between a low of ₹338.05 and a high of ₹665.95. The 52-week high and low indicate the stock’s price range over the last year and help investors understand its volatility and recent trading levels.
Five-Star Business Finance Ltd has a market capitalization of approximately 13,232.28. Market capitalization represents the total value of a company’s outstanding shares and helps investors understand its size, stability, and relative risk compared to other listed companies.
Five-Star Business Finance Ltd’s investment profile depends on its business fundamentals, valuation, and long-term outlook. The stock currently trades at a PE ratio of 11.99 and operates in the its sector sector. Investors typically assess financial performance, growth prospects, and individual risk tolerance before making investment decisions.
Based on its market capitalization of 13,232.28 Cr, Five-Star Business Finance Ltd is classified as a Small Cap stock. Large-cap stocks are generally more stable, while mid-cap and small-cap stocks tend to offer higher growth potential along with higher price volatility.
Five-Star Business Finance Ltd operates in the its sector sector. Sector classification matters because companies in the same sector are often affected by similar economic conditions, regulatory changes, and competitive dynamics, which can influence overall stock performance.
The Price-to-Earnings (PE) ratio of Five-Star Business Finance Ltd is 11.99. The PE ratio compares a company’s share price to its earnings and is commonly used to assess valuation. Comparing the PE ratio with sector peers and historical levels provides better context.
Five-Star Business Finance is scheduled to report Q2 FY27 results on October 26, 2026, at 12:08 PM IST.
The company has scheduled its Q1 FY27 earnings conference call for July 27, 2026 at 10:00 AM IST.
The company scheduled its Q1 FY27 earnings conference call for July 27, 2026, at 10:00 AM IST.
The fund provides equity support to MSMEs, which are Five-Star's primary borrowers. This strengthens the financial health of these businesses, making them more creditworthy and reducing the risk of default for the lender.
Earnings Call/Transcript
Five-Star Business Finance has released the audio recording of its Q2 FY27 earnings call held on October 26, 2026.
Earnings Call/Transcript
Five-Star Business Finance has released the audio recording of its earnings call for the quarter and half year ended September 30, 2026, held on October 26, 2026.
Change in Directors/KMP
Five-Star Business Finance appointed Shankar Subramanian as Chief Risk Officer for three years, effective October 26, 2026, replacing Jayaraman S, who moved internally.
Financial Results
Five-Star Business Finance approved unaudited financial results for the quarter and half year ended September 30, 2026, with an unmodified limited review conclusion.
Financial Results
Five-Star Business Finance reported Q2FY27 PAT of Rs 299 crore, up 5% year-on-year, with AUM growth of 14% and record quarterly disbursements of Rs 2,078 crore.
Investor Presentation
Five-Star Business Finance presented its unaudited Q2 and H1 FY27 results, reporting strong disbursement growth, ₹2,993 million quarterly PAT and stable asset quality.