Five-Star Business Finance Ltd Q1 FY26 Results

Summary

Five-Star Business Finance Ltd has declared its unaudited financial results for the quarter ended June 30, 2025. The company reported a 20% Y-o-Y growth in AUM, a 6% increase in PAT, and added 19 new branches. However, the company experienced a slight increase in gross and net stage 3 assets, and a decrease in net interest margin, return on assets, and return on equity.

Key Highlights

1. 1

   AUM (Rs Cr) for Q1FY26 is 12,458, a 20% Y-o-Y growth and 5% Q-o-Q growth

2. 2

   Disbursements (Rs Cr) for Q1FY26 is 1,290, a 2% decrease Y-o-Y

3. 3

   Gross Stage 3 Assets for Q1FY26 is 2.46%

4. 4

   Net Stage 3 Assets for Q1FY26 is 1.25%

5. 5

   PAT (Rs Cr) for Q1FY26 is 266, a 6% increase Y-o-Y

6. 6

   The Company has increased its branch presence to 767 branches across 11 states / UT

7. 7

   The Company opened 19 new branches during the quarter

8. 8

   ECL provision carried on books is 241 Cr, which translates to 1.94% of the overall AUM

9. 9

   Stage 3 provision is at 154 Cr, leading to a provision coverage ratio on stage 3 assets of 50.02%

10. 10

    Total borrowings including debt securities are at Rs 7,872 Cr as on June’25

11. 11

    The Company carries a liquidity of Rs 2,065 Cr as on June’25

12. 12

    Total income for the quarter is Rs. 791 Cr, a 18% y-o-y growth

13. 13

    PBT for the quarter is Rs.355 Cr, a 6% y-o-y growth

14. 14

    ROA for the quarter is at 7.24%, a 80 bps g-o-q decrease and 99 bps y-o-y decrease

15. 15

    ROE for the quarter is at 16.57%, a 179 bps q-o-q decrease and 238 bps y-o-y decrease