Five Star Business Finance Publishes FY26 Results, Makes Earnings Call Recording Available
Five Star Business Finance has published its audited FY26 financial results in newspapers and made the Q4FY26 earnings conference call recording available on its website for regulatory compliance. The company reported mixed quarterly performance with AUM growth of 11% but PAT decline of 4%, while announcing a ₹2 per share dividend recommendation.
*this image is generated using AI for illustrative purposes only.
Five Star Business Finance has published its audited financial results for the year ended March 31, 2026, in newspapers on April 29, 2026, complying with SEBI regulations. The company also announced a final dividend recommendation of ₹2 per share and made its Q4FY26 earnings conference call recording available on the company website.
Regulatory Compliance and Publication
The company published its audited financial results in Business Standard (English) and Makkal Kural (Tamil) newspapers on April 29, 2026, as required under Regulation 47 and 52 of SEBI (Listing Obligations and Disclosure Requirements) Regulation, 2015. Company Secretary Vigneshkumar SM confirmed the newspaper publication and regulatory filing compliance through official communication to stock exchanges.
| Publication Details: | Information |
|---|---|
| Publication Date: | April 29, 2026 |
| English Newspaper: | Business Standard |
| Regional Newspaper: | Makkal Kural (Tamil) |
| Board Meeting Date: | April 28, 2026 |
| Company Secretary: | Vigneshkumar SM |
Earnings Conference Call Recording
Pursuant to Regulation 30 of SEBI regulations, the audio recording of the earnings conference call held on April 29, 2026, for the quarter and year ended March 31, 2026, has been made available on the company website at fivestargroup.in/investors/. The recording provides detailed insights into the company's Q4FY26 and annual performance discussions with analysts and investors.
| Conference Call Details: | Information |
|---|---|
| Call Date: | April 29, 2026 |
| Website Link: | fivestargroup.in/investors/ |
| Regulatory Compliance: | SEBI Regulation 30 |
| Digital Signature Time: | 15:15:47 +05'30' |
Q4FY26 Financial Performance
The company reported mixed results for the quarter ended March 31, 2026. Assets Under Management (AUM) reached ₹13,225 crore, representing an 11% year-on-year growth and 2% quarter-on-quarter increase. However, Profit After Tax (PAT) declined to ₹269 crore, down 4% from ₹279 crore in Q4FY25 and 3% from the previous quarter.
| Parameter: | Q4FY26 | Q4FY25 | Y-o-Y Change | Q3FY26 | Q-o-Q Change |
|---|---|---|---|---|---|
| Total Income from Operations: | ₹81,694.54 lakh | ₹75,227.14 lakh | +9% | - | - |
| PAT: | ₹26,926.78 lakh | ₹27,912.39 lakh | -4% | ₹277 crore | -3% |
| Net Interest Margin: | 20.07% | 20.72% | -0.65% | 19.57% | +0.50% |
| Return on Average AUM: | 8.37% | 9.87% | -1.50% | 8.53% | -0.16% |
| Return on Equity: | 15.09% | 18.36% | -3.27% | 15.80% | -0.71% |
Annual Performance FY26
For the full financial year 2026, the company achieved total revenue from operations of ₹3,21,812.35 lakh compared to ₹2,84,783.96 lakh in the previous year. Annual PAT stood at ₹1,09,874.53 lakh, representing a 2% increase from ₹1,07,248.99 lakh in FY25. Basic earnings per share increased to ₹37.31 from ₹36.61 in the previous year.
| Parameter: | FY26 | FY25 | Y-o-Y Change |
|---|---|---|---|
| Total Revenue from Operations: | ₹3,21,812.35 lakh | ₹2,84,783.96 lakh | +13% |
| Annual PAT: | ₹1,09,874.53 lakh | ₹1,07,248.99 lakh | +2% |
| Net Worth: | ₹7,38,015.36 lakh | ₹6,30,460.67 lakh | +17% |
| Outstanding Debt: | ₹8,20,043.00 lakh | ₹7,92,199.39 lakh | +4% |
| Debt Equity Ratio: | 1.11 | 1.26 | -0.15 |
Asset Quality and Collections
The company faced asset quality challenges during FY26, with Gross Stage 3 Assets increasing to 3.37% from 1.79% in the previous year. Net Stage 3 Assets rose to 2.00% from 0.88% in FY25. However, management reported significant improvements in collection efficiency, with unique customer collection efficiency reaching 98.1% for Q4FY26, described as one of the best in company history.
Management Commentary and Outlook
Chairman & Managing Director Mr. Lakshmipathy Deenadayalan acknowledged FY26 as "one of the most challenging years for Five Star" due to asset quality headwinds affecting secured loan lenders. He stated that actions taken over recent quarters have helped overcome these challenges and expressed confidence that "the worst is behind us." The company expanded its branch network to 844 branches across 11 states during the quarter.
Dividend Declaration and Corporate Actions
The Board recommended a final dividend of ₹2 per equity share (200% of face value of ₹1) for FY26, subject to approval at the 42nd Annual General Meeting. The record date for determining eligible shareholders has been fixed as July 31, 2026. The dividend will be paid within 30 days from the AGM date. The Board also approved the extension of Mr. Jayaraman S as Chief Risk Officer for three years effective June 1, 2026.
Historical Stock Returns for Five Star Business Finance
| 1 Day | 5 Days | 1 Month | 6 Months | 1 Year | 5 Years |
|---|---|---|---|---|---|
| -3.73% | -4.28% | +27.30% | -20.74% | -36.44% | -2.13% |
What specific strategies will Five Star Business Finance implement to prevent further deterioration in asset quality and reduce Gross Stage 3 Assets from the current 3.37% level?
How will the company's expansion to 844 branches across 11 states impact operational costs and profitability in FY27, given the current pressure on margins?
What measures is management taking to improve Return on Equity, which has declined from 18.36% to 15.09% year-over-year?
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