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Five-Star Business Finance Limited Q2 FY27 results deck summary

NSE: FIVESTAR · BSE: 543663

Results deck of 26 Oct 2026, summarised by AI from the filing.

Management expects flattish credit slippages and credit cost for the rest of the year, despite industry headwinds.

Key takeaways

  1. Credit cost outlook Management expects flattish credit slippages and credit cost for the rest of the year, despite industry headwinds.
  2. Collections Customer collection efficiency (excluding NPAs) improved to 98.2% from 97.9% in Q1FY27 and 30+ DPD fell to 11.50% from 12.38%.
  3. Disbursement driver Disbursements rose on the back of improving collections and contained forward flows, with the current bucket proportion of AUM up to 84.78%.
  4. Cost of funds Management expects cost of funds to inch up on incremental debt and on the book, with some impact on spread and NIM.

Original filing on BSE

Five-Star Business Finance Limited Q1 FY27 results

As filed: Revenue ₹829 cr (+5% year on year), EBITDA ₹533 cr (−2% year on year), PAT ₹271 cr (+2% year on year), EBITDA margin 64.3% (−497 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹817 cr (+9% year on year), EBITDA ₹540 cr (−2% year on year), PAT ₹269 cr (−3% year on year), EBITDA margin 66.0% (−683 bps). Score 20 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 683 bps year on year. Revenue rose ₹65.0 cr on a year ago, against ₹136 cr the year before. Share price after the results: −9.2% in 29 days (Nifty 500: +0.9%).
  • Q3 FY26: Revenue ₹815 cr (+12% year on year), EBITDA ₹560 cr (+4% year on year), PAT ₹277 cr (+1% year on year), EBITDA margin 68.7% (−560 bps). Score 21 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 560 bps year on year. Profit fell 3% from last quarter. Revenue rose ₹88.1 cr on a year ago, against ₹160 cr the year before. Share price after the results: −16.8% in 30 days (Nifty 500: +0.4%).
  • Q2 FY26: Revenue ₹799 cr (+14% year on year), EBITDA ₹564 cr (+8% year on year), PAT ₹286 cr (+7% year on year), EBITDA margin 70.6% (−406 bps). Score 22 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 406 bps year on year. Revenue rose ₹97.0 cr on a year ago, against ₹180 cr the year before. Share price after the results: +10.0% in 30 days (Nifty 500: +0.5%).
  • Q1 FY26: Revenue ₹787 cr (+18% year on year), EBITDA ₹545 cr (+10% year on year), PAT ₹266 cr (+6% year on year), EBITDA margin 69.3% (−537 bps). Score 22 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 537 bps year on year. Profit fell 5% from last quarter. Revenue rose ₹121 cr on a year ago, against ₹186 cr the year before. Share price after the results: −16.0% in 29 days (Nifty 500: −0.3%).
  • Q4 FY25: Revenue ₹752 cr (+22% year on year), EBITDA ₹548 cr (+20% year on year), PAT ₹279 cr (+18% year on year), EBITDA margin 72.9% (−99 bps). Score 32 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 99 bps year on year. Revenue rose ₹136 cr on a year ago, against ₹177 cr the year before. Share price after the results: −9.6% in 30 days (Nifty 500: +3.4%).
  • Q3 FY25: Revenue ₹727 cr (+28% year on year), EBITDA ₹540 cr (+28% year on year), PAT ₹274 cr (+26% year on year), EBITDA margin 74.3% (−33 bps). Score 37 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 33 bps year on year. Revenue rose ₹160 cr on a year ago, against ₹180 cr the year before.
  • Q2 FY25: Revenue ₹702 cr (+34% year on year), EBITDA ₹524 cr (+38% year on year), PAT ₹268 cr (+35% year on year), EBITDA margin 74.6% (+204 bps). Score 84 of 100, Above trend. EBITDA margin rose 204 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

Five-Star Business Finance Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.