Five-Star Business Finance Ltd Q2 FY26 Results

Summary

Five-Star Business Finance Ltd has declared its unaudited financial results for the quarter and six months ended September 30, 2025. The company reported a 7% Y-o-Y growth in PAT for Q2FY26. The downtrend witnessed in Q1FY26 has been arrested, and the company believes that it will see green shoots emerging in Q3 and a much stronger performance in Q4. The company has taken several strategies and actions towards this across sourcing, credit underwriting, collections, and risk oversight.

Key Highlights

1. 1

   AUM (Rs Cr) for Q2FY26 is 12,847

2. 2

   Disbursements (Rs Cr) for Q2FY26 is 1,196

3. 3

   Gross Stage 3 Assets for Q2FY26 is 2.64%

4. 4

   Net Stage 3 Assets for Q2FY26 is 1.46%

5. 5

   PAT (Rs Cr) for Q2FY26 is 286

6. 6

   Net Interest Margin for Q2FY26 is 16.41%

7. 7

   Return on Assets for Q2FY26 is 7.49%

8. 8

   Return on Equity for Q2FY26 is 16.91%

9. 9

   Total income of Rs. 807 Cr for Q2FY26; y-o-y growth of 14%

10. 10

    PBT of Rs.382 Cr for Q2FY26; y-o-y growth of 7%

11. 11

    ROA at 7.49% for Q2FY26; q-o-q increase of 25 bps and y-o-y decrease of 87 bps

12. 12

    ROE at 16.91% for Q2FY26; q-o-q increase of 34 bps and y-o-y decrease of 211 bps

13. 13

    The Company has increased its branch presence to 800 branches across 11 states / UT

14. 14

    AUM as of September 30, 2025 ended at Rs 12,847 Cr, growth of 18% on y-o-y basis and 3% on q- o-q basis

15. 15

    Overall Collection efficiency and Unique customer collection efficiency for the quarter stood at 96.7% and 95.1% respectively

16. 16

    30+ DPD ended at 12.17% as of September 30, 2025