Five-Star Q4 FY26 PAT ₹269 Cr, AUM up 11% YoY to ₹13,225 Cr
Five-Star Business Finance Ltd reported unaudited financial results for Q4 and FY26. For Q4 FY26, Profit After Tax (PAT) was ₹269 Cr, a 4% decline YoY, while Assets Under Management (AUM) grew 11% YoY to ₹13,225 Cr. Disbursements for the quarter were ₹1,213 Cr, down 17% YoY but up 24% QoQ. Gross Stage 3 Assets stood at 3.37% and Net Stage 3 Assets at 2.00%. For the full year FY26, PAT increased 2% YoY to ₹1,099 Cr, with AUM also at ₹13,225 Cr. The company noted FY26 was challenging due to asset quality headwinds but highlighted significant improvements in Q4 collection efficiencies (98.1% unique customer, 99.3% x-bucket) and a drop in slippage ratio to 0.70%. A new collection vertical is fully operational from Q1 FY27. The company secured ₹928 Cr incremental debt in Q4 FY26, including $100 Mn from Asian Development Bank.
Key Highlights
- Q4 FY26 PAT declined 4% YoY to ₹269 Cr, while AUM grew 11% YoY to ₹13,225 Cr.
- FY26 PAT increased 2% YoY to ₹1,099 Cr, with AUM reaching ₹13,225 Cr.
- Gross Stage 3 Assets stood at 3.37% and Net Stage 3 Assets at 2.00% in Q4 FY26.
- Collection efficiency improved significantly in Q4 FY26, with slippage ratio dropping to 0.70%.
- Company secured ₹928 Cr incremental debt, including $100 Mn from Asian Development Bank.