Five-Star Business Finance Limited — Q3 FY26
Five-Star Business Finance reported Q3 FY26 PAT of ₹277 crore, up 1% YoY, with stable collections but elevated slippages.
neutral
medium
Financial stats pending filing verification
Indian management teams deliver on roughly 12% of specific earnings-call promises. A low score does not indicate dishonesty — it reflects how aspirational forward guidance typically is.
Q2 FY26
Full-year AUM growth of 25%
Management reiterated 25% AUM growth guidance for FY26, expecting stronger H2 performance.
Delayed
The current-quarter record did not contain enough evidence of delivery; the item remains delayed for follow-up.
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Q2 FY26
Credit cost guidance of 1.25-1.35% for FY26
Credit cost as % of total assets expected in 1.25-1.35% range; on AUM basis ~1.5-1.6%.
Missed
Current-quarter commentary contains related risk or weakness, so the promise appears not to have been delivered yet.
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