Five-Star Business Finance Limited — PPTs, 28-04-2026: Investor Presentation

Five-Star Business Finance reported solid FY26 financial results, with its loan portfolio reaching ₹13,224.6 Cr, marking an 11% year-on-year growth. Profit After Tax stood at ₹1,098.8 Cr, up 2% YoY. Q4FY26 saw a strong rebound in loan disbursements, surging 24% YoY to ₹1,213.3 Cr. The company primarily serves small business owners and self-employed individuals with informal incomes, with a significant presence in Tier 3-6 towns.

The company is geared for accelerated AUM growth of around 20% from FY27 onwards, driven by robust credit underwriting and strong collections. Key strategies include leveraging advanced technology and AI, such as digital loan origination, data analytics, and GenAI-powered voice bots for efficient operations and risk management. The branch network expanded to 844, with 9 new branches in Q4FY26.

Collection efficiency hit historical highs in Q4FY26, with 98.1% unique customer collection efficiency. The slippage ratio significantly improved, dropping to 0.70% in Q4FY26 from 1.09% in Q3FY26, indicating better asset quality. For FY26, Return on Equity was 16.06%, and Net Interest Margin stood at 19.86%. Gross NPA remained stable at 3.37% in Q4FY26.

Management expressed strong confidence, stating "the worst is behind us" and is "well-ready to move Onwards and Upwards," focusing on sustainable growth and profitability.