Five-Star Business Finance Limited share price

Key numbers

Market cap

₹ 15,378 Cr

Current price

₹ 520.95

52-week high / low

₹ 666 / 338

Stock P/E

13.9

Book value

₹ 250.0

Dividend yield

0.38%

ROCE

10.3%

ROE

16.1%

Debt to equity

1.11

Sales growth (3 yrs)

27.5%

Profit growth (3 yrs)

22.1%

1-year return

-0.4%

About Five-Star Business Finance Limited

Five-Star Business Finance Limited operates as a non-banking financial company in India. The company offers business and other loans to small business owners and self-employed individuals, as well as for other purposes such as business expansion, home renovation/improvement and other mortgage purposes, including marriage, education, emergency. It also provides mortgage loans. Five-Star Business Finance Limited was incorporated in 1984 and is headquartered in Chennai, India.

Quarterly results

Consolidated figures in ₹ crores

Concall summary (2026-07-31)

AI summary of the earnings call transcript · tone: Positive · source document

Guidance & outlook

• But that will happen more -- 5.25% to 5.5% in a steady -state scenario, but that will happen more from FY 28 onwards and not during this financial year.
• The guidance what we have given for the credit cost for this financial year, the credit cost will be in somewhere between 1.7% to 1.9%.

Growth & demand

• We clocked our historical best in disbursement with quarterly disbursements coming in at INR 1,496 crores, a growth of 23% over the previous quarter and 16% over the previous year.
• We ended the quarter with an AUM of INR 13,722 crores, which is a sequential growth of 4% for the quarter.

Margins & costs

• And despite the seasonally soft nature of this quarter, our credit cost dropped sequentially to 1.85% for Q1 financial year '27 from 1.88% for the Q4 financial year '26.
• On the borrowing front, our all -inclusive cost was at 8.33% despite not so favou rable liquidity conditions.

Balance sheet & cash

• So my sense is, I think our incremental cost of borrowing should be somewhere around the 8.5% level, which means we still have another 20-30 basis points of compression that can come in the borrowings over the period.
• But at this point of time, we feel confident that the cost of borrowing should start -- should at least trend down by another 10-15 basis points for the year.

Risks & challenges

• The quarter panned out in line with our expectations, which vindicated the actions we took to overcome the challenges we faced.
• Viral, on the rollback, generally, we see at least about 4% to 5% of rollbacks happening in the softer buckets.

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