Five-Star Business Finance Limited FIVESTAR NIFTY_SMALLNSEFINANCIAL
Financial Services · Credit Services · India
Five-Star Business Finance Limited operates as a non-banking financial company in India. It offers small business and mortgage loans to micro-entrepreneurs and self-employed individuals for business purposes, as well as for asset creation, such as home renovation or improvement, marriage, healthcare, and education expenses. The company was incorporated in 1984 and is headquartered in Chennai, India.
READ MORE ›₹445.15
-34.51% 1Y
Market & Price
Market Cap
₹13,139.93 Cr
Current Price
₹445.15
High / Low (52W)
₹798.18 / ₹347.30
Beta
0.78
Valuation
Stock P/E
11.95
Industry PE
19.12
Forward P/E
9.08
PEG Ratio
-
Book Value
₹250.51
Price to Book
1.78
P/S
5.80
EV/EBITDA
-
Dividend Yield
0.45%
Profitability & Returns
ROCE
10.22%
ROE
16.06%
ROA
7.27%
Profit Margin
48.52%
Op Margin
60.51%
EPS (Latest Qtr)
₹9.14
EPS (TTM)
₹37.26
Balance Sheet & Liquidity
Debt/Equity
1.11
Quick Ratio
327.73
Current Ratio
329.68
Debt
₹8,200.43 Cr
Total Assets
₹15,789.74 Cr
Current Assets
₹15,133.73 Cr
Working Capital
₹15,087.36 Cr
Ownership
Promoter Holding
26.33%
Chg in Prom Hold
-
FII / Inst Holding
48.72%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
₹19,104.10 Cr
Total Revenue (TTM)
₹2,264.62 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-264.28 Cr
Shares Outstanding
₹29.52 Cr
Gross Margin
100.00%
Payout Ratio
5.37%
Growth (CAGR)
Revenue 5Y
29.28%
Profit 5Y
22.11%
Revenue (YoY)
4.10%
Earnings (YoY)
-3.70%
PROS
- Excellent profit margin of 48.5%.
- Compounding revenue at 29.3% over 5 years.
- Profit CAGR of 22.1% over 5 years.
CONS
- Trading 44.2% below its 52-week high.
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | FIVESTAR Five-Star Business Finance Limited NIFTY_SMALLNSEFINANCIAL | 445.15 | 11.95 | ₹13,139.93 Cr | 0.45% | 10.22% | 16.06% | 29.28% | 22.11% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
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Quarterly Results
Figures in INR.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 719.24 Cr | 745.64 Cr | 774.31 Cr | 807.42 Cr | 809.58 Cr |
| Cost of Revenue | 300.55 Cr | 319.55 Cr | 343.37 Cr | 348.25 Cr | 351.86 Cr |
| Gross Profit | 418.69 Cr | 426.08 Cr | 430.95 Cr | 459.17 Cr | 457.72 Cr |
| Operating Expenses | 42.09 Cr | 43.75 Cr | 45.08 Cr | 48.07 Cr | 56.67 Cr |
| Operating Income | 376.60 Cr | 382.33 Cr | 385.86 Cr | 411.10 Cr | 401.06 Cr |
| EBITDA | 384.95 Cr | 391.33 Cr | 394.08 Cr | 420.72 Cr | 411.15 Cr |
| Interest Expense | - | - | - | - | - |
| Pretax Income | 365.13 Cr | 371.07 Cr | 354.95 Cr | 368.81 Cr | 357.13 Cr |
| Tax Provision | 91.27 Cr | 91.95 Cr | 88.64 Cr | 91.79 Cr | 87.86 Cr |
| Net Income | 273.86 Cr | 279.12 Cr | 266.31 Cr | 277.03 Cr | 269.27 Cr |
| Diluted EPS | 9.35 | 9.49 | 9.02 | 9.38 | 9.14 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | - | 1,469.62 Cr | 2,078.10 Cr | 2,798.44 Cr | 3,175.67 Cr |
| Cost of Revenue | - | 462.14 Cr | 807.92 Cr | 1,189.09 Cr | 1,367.08 Cr |
| Gross Profit | - | 1,007.47 Cr | 1,270.17 Cr | 1,609.36 Cr | 1,808.59 Cr |
| Operating Expenses | - | 153.44 Cr | 167.38 Cr | 157.38 Cr | 199.76 Cr |
| Operating Income | - | 854.04 Cr | 1,102.79 Cr | 1,451.98 Cr | 1,608.83 Cr |
| EBITDA | - | 909.14 Cr | 1,172.12 Cr | 1,482.36 Cr | 1,645.88 Cr |
| Interest Expense | 2.20 Cr | 87.09 Cr | 31.62 Cr | 74.86 Cr | - |
| Pretax Income | - | 804.73 Cr | 1,115.94 Cr | 1,430.59 Cr | 1,462.82 Cr |
| Tax Provision | - | 201.24 Cr | 280.02 Cr | 358.10 Cr | 364.07 Cr |
| Net Income | - | 603.50 Cr | 835.92 Cr | 1,072.49 Cr | 1,098.75 Cr |
| Diluted EPS | - | 20.49 | 28.39 | 36.50 | 37.25 |
Compounded Sales Growth
| 5 Years: | 29.28% |
| 1 Year: | 4.10% |
Compounded Profit Growth
| 5 Years: | 22.11% |
| 1 Year: | -3.70% |
Stock Price Performance
| 1 Year: | -34.51% |
| 6 Months: | -27.67% |
| 3 Months: | +2.25% |
| 1 Month: | -10.64% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Total Assets | - | 8,702.83 Cr | 11,688.78 Cr | 14,420.56 Cr | 15,789.74 Cr |
| Current Assets | - | 2,594.98 Cr | 3,334.99 Cr | 4,048.19 Cr | 15,133.73 Cr |
| Cash & Equivalents | - | 1,340.36 Cr | 1,534.40 Cr | 1,497.16 Cr | 1,617.90 Cr |
| Inventory | - | - | - | - | - |
| Receivables | - | - | - | - | - |
| Total Liabilities | - | 4,363.29 Cr | 6,492.62 Cr | 8,115.96 Cr | 8,409.59 Cr |
| Current Liabilities | - | 1,532.47 Cr | 1,702.12 Cr | 2,098.43 Cr | 46.37 Cr |
| Long Term Debt | - | 2,800.47 Cr | 4,755.92 Cr | 5,948.44 Cr | 8,200.43 Cr |
| Total Debt | - | 4,247.28 Cr | 6,315.85 Cr | 7,921.99 Cr | 8,200.43 Cr |
| Total Equity | - | 4,339.53 Cr | 5,196.15 Cr | 6,304.61 Cr | 7,380.15 Cr |
| Shares Outstanding | - | 29.14 Cr | 29.24 Cr | 29.44 Cr | 29.52 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | -1,122.81 Cr | -2,122.34 Cr | -1,044.95 Cr | -264.28 Cr |
| Investing Cash Flow | - | 161.78 Cr | 210.16 Cr | -585.58 Cr | 228.38 Cr |
| Financing Cash Flow | - | 1,688.22 Cr | 2,106.22 Cr | 1,592.87 Cr | 157.06 Cr |
| Capital Expenditure | - | -12.13 Cr | -22.39 Cr | -82.72 Cr | -25.64 Cr |
| Free Cash Flow | - | -1,134.94 Cr | -2,144.73 Cr | -1,127.67 Cr | -289.92 Cr |
| Net Change in Cash | - | 727.20 Cr | 194.04 Cr | -37.66 Cr | 121.15 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Gross Margin % | - | 68.6% | 61.1% | 57.5% | 57.0% |
| Operating Margin % | - | 58.1% | 53.1% | 51.9% | 50.7% |
| Net Margin % | - | 41.1% | 40.2% | 38.3% | 34.6% |
| ROE % | - | 13.9% | 16.1% | 17.0% | 14.9% |
| ROCE % | - | 11.9% | 11.0% | 11.8% | 10.2% |
Shareholding Pattern
Insiders
26.33%
Institutions
48.72%
Public Float
66.13%
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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