Five Star Business Finance announced its Q3FY26 results. Key highlights include AUM at ₹12,964 Cr, a 16% year-over-year increase. Disbursements reached ₹976 Cr. The company reported a PAT of ₹277 Cr. Focus remains on collections and controlled slippages. Branch network expanded to 835. The company continues to invest in infrastructure and collections.
Financial Highlights for Q3FY26
Five Star Business Finance Limited has announced its unaudited financial results for the quarter ended December 31, 2025 (Q3FY26). Here’s a summary of the key financial metrics:
- AUM: ₹12,964 Cr, a 16% increase compared to Q3FY25.
- Disbursements: ₹976 Cr during the quarter.
- PAT: ₹277 Cr for the quarter.
- Net Interest Margin: 16.04%
- Return on Assets: 7.00%
- Return on Equity: 15.80%
Asset Quality
The company reported the following asset quality metrics:
- Gross Stage 3 Assets: 3.18%
- Net Stage 3 Assets: 1.94%
- Overall Collection efficiency: 96.6%
- Unique customer collection efficiency: 95.1%
Key Strategic Actions
The company has been focusing on strengthening its collection strategies and controlling slippages. While slippages to Stage 3/NPA remain slightly elevated, management expresses confidence in rolling back customers or settling loans through concerted efforts. The company continues to invest in its collections infrastructure and has added 35 branches and 678 Business & Collections Officers during Q3FY26.
Borrowings and Liquidity
- Total borrowings stood at ₹8,199 Cr as of December 2025.
- The company reported a liquidity of ₹2,276 Cr as of December 2025.
Distribution Network
Five Star Business Finance has expanded its branch network to 835 branches across 11 states/UT. The company opened 35 new branches during the quarter.
Source: BSE
