Five-Star Business Finance Ltd

Q1 FY27Finance

Five-Star Business Finance Q1 FY27 earnings call: Revenue & Margins

Q1 FY27 earnings call: what management guided on revenue, margins and order book.

Price₹550

Market cap₹15.9K Cr

P/E14.4

Updated23 Sept 2026

Read4 min read

What the Q1 FY27 call signalled

2 of 3 strong

RevenueGood growth

MarginMargins steady

FundraiseFundraise planned

The short version

Five-Star targets a loan book (AUM) growth of 20% for fiscal year 2027, with confidence to comfortably achieve this through sustained disbursement levels. Five Star Business Finance expects to achieve around 20% loan growth for FY27, comfortably supported by strong disbursement trends and branch expansion.

From Five-Star Business Finance Ltd's Q1 FY27 earnings-call transcript · updated 23 Sept 2026.

Revenue & Sales Performance

Good growth

Five-Star targets a loan book (AUM) growth of 20% for fiscal year 2027, with confidence to comfortably achieve this through sustained disbursement levels.
Monthly disbursement normal is expected around INR 600-670 crores, indicating steady volume growth.
Addition of new products is expected to drive growth beyond the current 20% guidance, potentially meaning higher medium-term AUM growth.
Increasing disbursement and AUM per employee trends indicate improving productivity and scale.
Branch expansion continued with 12 new branches in Q1 and a total of 856 branches, supporting growth initiatives.
Focus on both organic growth in core product and planned introduction of 2-3 new products to diversify and boost revenues.

2 more points management made on revenue & sales performance

Profitability & Margins

Five Star Business Finance expects to achieve around 20% loan growth for FY27, comfortably supported by strong disbursement trends and branch expansion.
Operating expenses are expected to grow by about 20-21% year-on-year in FY27, similar to Q1 levels, with steady employee costs; operating leverage expected only from FY28 onwards.
Net interest margins (NIM) are stable with spreads expected to remain flat around 22.25% yield levels, with limited further yield contraction.
Return on Assets (ROA) targeted steady state of 6%-6.5%, and with leverage improving to around 3x, Return on Equity (ROE) is expected in the 18%-20% range.

2 more points management made on profitability & margins

See what Five-Star Business Finance Ltd said on profitability & margins — free account, 30 seconds.

Capital Expenditure Plans

Five Star Business Finance Limited is planning to introduce 2-3 new products as part of its multi-product strategy.
The company aims to launch at least one new product within the next 3 to 6 months.
The focus is on diversifying beyond the current single product to mitigate risks highlighted during past crises.
There is no specific mention of large capital expenditure or physical infrastructure investments beyond normal branch additions.
Branch expansion is expected to continue at a steady rate of about 50-60 branches per year.

2 more points management made on capital expenditure plans

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Ranked on what management guided this quarter

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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.

Fundraising & Capital Structure

The company raised close to INR1,000 crores in the last quarter, with liquidity sitting on the balance sheet.
In the current quarter, the company took about INR450 crores in additional borrowings and is holding close to INR1,850 crores on the balance sheet.
The management is confident in raising whatever quantum of debt needed at the right cost of funds.
They are guiding for an incremental cost of borrowing at around 8.5% going forward, slightly higher than current levels.

2 more points management made on fundraising & capital structure

See what Five-Star Business Finance Ltd said on fundraising & capital structure — free account, 30 seconds.

Order Book & Pipeline

The provided transcript does not explicitly mention details about the current or expected order book or pending orders for Five-Star Business Finance Limited. The discussion primarily focuses on: - Disbursement trends and targets (e.g., June disbursement of INR 670 crores, targeting INR 6,500-6,800 crores annually) - Loan growth guidance of 20% for the year - Active loan customers crossing 500,000 as of June 30, 2026 - Branch expansion (856 branches as of June, adding 12 in the quarter)

2 more points management made on order book & pipeline

What Five-Star Business Finance Ltd's management said in earlier quarters

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Frequently Asked Questions

What were Five-Star Business Finance Ltd Q1 FY27 results?

What is Five-Star Business Finance Ltd share price analysis?

Five-Star Business Finance Ltd currently shows a moderate growth signal based on ranking data. The stock trades at a P/E of 14.4 with a market cap of ₹15,895 Cr. Investors should review the full earnings analysis for detailed insights.

Is Five-Star Business Finance Ltd planning capital expenditure?

Five Star Business Finance Limited is planning to introduce 2-3 new products as part of its multi-product strategy.

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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.