Five-Star Business Finance Ltd Q3 FY26 Results

Summary

Five-Star Business Finance Ltd has reported its financial results for Q3FY26 and YTD FY26. The company has reported a 1% Q-o-Q growth in AUM and 3% Y-o-Y growth in PAT. The company's focus on collections has ensured stability in softer bucket collections, with the current proportion of the portfolio increasing from 81.67% in Sep’25 to 81.77% in Dec’25. The company's collection metrics remain stable, with unique customer collection efficiency and overall collection efficiency at 95.1% and 96.6% respectively. The company's disbursements have moderated due to the focus on collections and controlling slippages.

Key Highlights

1. 1

   AUM of Rs 12,964 Cr, a 1% Q-o-Q growth

2. 2

   Disbursements of Rs 976 Cr, a decrease of 18% Q-o-Q

3. 3

   Gross Stage 3 Assets at 3.18%

4. 4

   Net Stage 3 Assets at 1.94%

5. 5

   PAT of Rs 277 Cr, a 3% Y-o-Y growth

6. 6

   Net Interest Margin at 16.04%

7. 7

   Return on Assets at 7.00%

8. 8

   Return on Equity at 15.80%

9. 9

   Addition of 35 branches and 678 Business & Collections Officers during Q3FY26

10. 10

    Cost of incremental debt at 8.19%

11. 11

    Cost of funds on the book has dropped by over 50 bps in the past 1 year

12. 12

    Robust liquidity on the balance sheet of Rs 2,276 Cr