Five-Star Bus.Fi
Five-Star Business Finance Q2 Results 2026 (FY27) investor presentation: Revenue & Margins
Q2 FY27 investor presentation: what the company reported on revenue, margins and fundraising.
Five-Star Bus.Fi Q2 FY27 key numbers
- Revenue
- Total Income for Q2FY27: ₹8,750 Mn, up 8% year-on-year (Y-o-Y) from ₹8,065 Mn in Q2FY26.
As stated in Five-Star Bus.Fi's Q2 FY27 investor presentation · published 26 Oct 2026. Reported figures, not investment advice.
Based on Five-Star Bus.Fi's Q2 FY27 investor presentation. The company has not published an earnings-call transcript for this quarter, so figures here are what the investor presentation reports, not management guidance.
The short version
Total Income for Q2FY27: ₹8,750 Mn, up 8% year-on-year (Y-o-Y) from ₹8,065 Mn in Q2FY26 - Loan Portfolio for Q2FY27: ₹146,396 Mn, up 14% Y-o-Y from ₹128,471 Mn in Q2FY26 - Loan Disbursement in Q2F EBITDA (Pre-provision Operating Profit, PPOP) for Q2FY27: ₹4,390 Mn; Y-o-Y change: +1% - Operating margin is not explicitly stated as a percentage, but operating expenses to average loan portfolio is 7.56% (Q2FY27) versus 6.12% (Q2FY26), indicating higher operating expenses relative to portfolio.
From Five-Star Bus.Fi's Q2 FY27 earnings-call transcript · updated 26 Oct 2026.
Revenue & Sales Performance
- Total Income for Q2FY27: ₹8,750 Mn, up 8% year-on-year (Y-o-Y) from ₹8,065 Mn in Q2FY26
- Loan Portfolio for Q2FY27: ₹146,396 Mn, up 14% Y-o-Y from ₹128,471 Mn in Q2FY26
- Loan Disbursement in Q2FY27: ₹20,778 Mn, up 39% Y-o-Y from ₹14,964 Mn (FY26 figure for comparison)
2 more points from Five-Star Bus.Fi's call on revenue
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Profitability & Margins
- EBITDA (Pre-provision Operating Profit, PPOP) for Q2FY27: ₹4,390 Mn; Y-o-Y change: +1%
- Operating margin is not explicitly stated as a percentage, but operating expenses to average loan portfolio is 7.56% (Q2FY27) versus 6.12% (Q2FY26), indicating higher operating expenses relative to portfolio. Operating cost to income ratio rose to 38.04% (Q2FY27) from 31.05% (Q2FY26).
- Profit After Tax (PAT) for Q2FY27: ₹2,993 Mn; Y-o-Y change: +5%
- No explicit EBITDA or operating margin outlook is stated in the presentation. Financial highlights show steady improvements in net interest income and profit after tax but no forward margin guidance is provided.
Fundraising & Capital Structure
- Page 33 details incremental borrowings of ₹8,250 Mn in FY26 and ₹20,778 Mn in Q2FY27, with cost of incremental borrowings around 8.78% in Q2FY27, showing a reduction over past years.
- Page 36 shows borrowings other than debt securities slightly increased from ₹73,121 Mn in Q1FY27 to ₹74,011 Mn in Q2FY27; debt securities also rose marginally.
- Total equity increased from ₹76,534 Mn in Q1FY27 to ₹79,034 Mn in Q2FY27, indicating some equity growth.
- Page 34 highlights a strong liquidity buffer of ₹24,067 Mn as of Sep 2026, supported by unavailed bank sanctions of ₹11,200 Mn.
2 more points from Five-Star Bus.Fi's call on fundraising
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Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
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What Five-Star Bus.Fi's management said in earlier quarters
- Q1 FY27 earnings call analysis →
- Q4 FY26 earnings call analysis →
- Q2 FY26 earnings call analysis →
- Q3 FY26 earnings call analysis →
- Q3 FY25 earnings call →
- Q2 FY25 earnings call →
- Q1 FY25 earnings call →
- Q4 FY24 earnings call →
- Q3 FY24 earnings call →
- Q2 FY24 earnings call →
- Q1 FY24 earnings call →
- Q4 FY23 earnings call →
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Frequently Asked Questions
What were Five-Star Bus.Fi Q2 FY27 results?
Total Income for Q2FY27: ₹8,750 Mn, up 8% year-on-year (Y-o-Y) from ₹8,065 Mn in Q2FY26 - Loan Portfolio for Q2FY27: ₹146,396 Mn, up 14% Y-o-Y from ₹128,471 Mn in Q2FY26 - Loan Disbursement in Q2F EBITDA (Pre-provision Operating Profit, PPOP) for Q2FY27: ₹4,390 Mn; Y-o-Y change: +1% - Operating margin is not explicitly stated as a percentage, but operating expenses to average loan portfolio is 7.56% (Q2FY27) versus 6.12% (Q2FY26), indicating higher operating expenses relative to portfolio.
What is Five-Star Bus.Fi share price analysis?
Five-Star Bus.Fi currently shows a neutral. The stock trades at a P/E of 12.0 with a market cap of ₹13,237 Cr. Investors should review the full earnings analysis for detailed insights.
Is Five-Star Bus.Fi planning capital expenditure?
The investor presentation for Five Star Business Finance Limited does not describe any capex, capacity expansion, or new plant/project with specific amounts, status, or timelines.
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This analysis is AI-generated based on publicly available earnings data and the company's investor presentation. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.