Five-Star Business Finance Limited has informed the Exchange about Investor Presentation
FIVESTAR · price
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Awaiting price reaction for this filing.
Five-Star Business Finance reported Q1FY26 results with loan portfolio (AUM) at ₹124,578 Mn, up 20% YoY and 5% QoQ, while disbursements fell 12% QoQ to ₹12,901 Mn. Profit after tax rose 6% YoY to ₹2,663 Mn but declined 5% QoQ. Net Interest Margin compressed to 16.43% (down 41 bps QoQ) and Return on Assets fell to 7.24% (down 80 bps QoQ). Asset quality weakened notably, with Gross Stage 3 assets rising to 2.46% from 1.79% QoQ and 30+ DPD jumping to 11.31%. Credit costs surged 158% YoY to ₹478 Mn, pushing cost-to-income ratio to 41.34% versus 34.34% a year ago. Collections efficiency slipped to 96.3% from 97.7% QoQ. On the same day, Joint MD and CEO Rangarajan Krishnan tendered his resignation. Capital adequacy remained strong at 49.15% with AA- credit ratings reaffirmed.
Mixed-to-negative for shareholders: While AUM and PAT show healthy YoY growth, the simultaneous deterioration in asset quality, NIM compression, rising credit costs, and unexpected exit of the CEO on results day may weigh on investor sentiment and create near-term stock pressure.