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Five-Star Business Finance Limited FIVESTAR NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://www.fivestargroup.in
Company Profile ↓
₹555.15
-26.62% 1Y
Mkt Cap₹16,386.66 Cr
P/E14.90
P/B2.18
Div. Yield0.37%
52W High₹777.41
52W Low₹347.30
Book Value₹250.03
EPS (TTM)₹37.25

Company Overview

Five-Star Business Finance Limited operates as a non-banking financial company in India. The company 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. It also provides mortgage loans. Five-Star Business Finance Limited was incorporated in 1984 and is headquartered in Chennai, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 22.1% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 29.3% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 14.9, below the sector median of 19.8.

Healthy Margins

Maintains a net profit margin of 34.6%.

Recent Developments

  • Mar 2026 Revenue of ₹3,175.67 Cr (+13.5% YoY); net profit ₹1,098.75 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +13.5%, earnings +2.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 29.3%, profit CAGR 22.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:29.28%
1 Year:13.48%

Compounded Profit Growth

5 Years:22.11%
1 Year:2.45%

Stock Price Performance

1 Year:-26.62%
6 Months:+7.45%
3 Months:+23.28%
1 Month:+18.93%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 48% of range
₹347.30 ₹777.41
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)68.78 · Neutral
Price Performance
1M+18.93%
3M+23.28%
6M+7.45%
1Y-26.62%
Valuation vs Sector

P/E of 14.90 is below the sector median of 19.81 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 34.6%.
  • Compounding revenue at 29.3% over 5 years.
  • Profit CAGR of 22.1% over 5 years.

CONS

  • Trading 28.6% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
14.90
Industry PE
19.81
Forward P/E
11.22
PEG Ratio
-
Book Value
₹250.03
Price to Book
2.18
P/S
7.09
EV/EBITDA
13.76
Dividend Yield
0.37%

Growth (CAGR)

Revenue 5Y
29.28%
Profit 5Y
22.11%
Revenue (YoY)
13.48%
Earnings (YoY)
2.45%

Profitability & Returns

ROCE
10.22%
ROE
14.89%
ROA
6.96%
Profit Margin
34.60%
Op Margin
50.66%
Gross Margin
56.95%
EPS (Latest Qtr)
₹9.14
EPS (TTM)
₹37.25

Balance Sheet & Liquidity

Debt/Equity
1.11
Quick Ratio
5.55
Current Ratio
326.40
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
7.72%
FII / Inst Holding
49.56%
Chg in FII Hold
-0.45%

Financial Snapshot

Enterprise Value
₹16,386.66 Cr
Total Revenue (TTM)
₹3,175.67 Cr
EBITDA
₹1,645.88 Cr
Free Cash Flow
₹-289.92 Cr
Operating Cash Flow
₹-264.28 Cr
Shares Outstanding
₹29.52 Cr
Gross Margin
56.95%
Payout Ratio
5.37%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 FIVESTAR Five-Star Business Finance Limited NIFTY_SMALLNSEFINANCIAL 555.15 14.90 ₹16,386.66 Cr 0.37% 10.22% 14.89% 29.28% 22.11%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 719.24 Cr745.64 Cr774.31 Cr807.42 Cr809.58 Cr
Cost of Revenue 300.55 Cr319.55 Cr343.37 Cr348.25 Cr351.86 Cr
Gross Profit 418.69 Cr426.08 Cr430.95 Cr459.17 Cr457.72 Cr
Operating Expenses 42.09 Cr43.75 Cr45.08 Cr48.07 Cr56.67 Cr
Operating Income 376.60 Cr382.33 Cr385.86 Cr411.10 Cr401.06 Cr
EBITDA 384.95 Cr391.33 Cr394.08 Cr420.72 Cr411.15 Cr
Interest Expense -----
Pretax Income 365.13 Cr371.07 Cr354.95 Cr368.81 Cr357.13 Cr
Tax Provision 91.27 Cr91.95 Cr88.64 Cr91.79 Cr87.86 Cr
Net Income 273.86 Cr279.12 Cr266.31 Cr277.03 Cr269.27 Cr
Diluted EPS 9.359.499.029.389.14

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 34.00 Cr48.00 Cr87.00 Cr201.00 Cr409.00 Cr-1,469.62 Cr2,078.10 Cr2,798.44 Cr3,175.67 Cr
Cost of Revenue ------462.14 Cr807.92 Cr1,189.09 Cr1,367.08 Cr
Gross Profit ------1,007.47 Cr1,270.17 Cr1,609.36 Cr1,808.59 Cr
Operating Expenses 8.00 Cr12.00 Cr31.00 Cr66.00 Cr110.00 Cr-153.44 Cr167.38 Cr157.38 Cr199.76 Cr
Operating Income ------854.04 Cr1,102.79 Cr1,451.98 Cr1,608.83 Cr
EBITDA ------909.14 Cr1,172.12 Cr1,482.36 Cr1,645.88 Cr
Interest Expense 10.00 Cr14.00 Cr24.00 Cr57.00 Cr76.00 Cr2.20 Cr87.09 Cr31.62 Cr74.86 Cr-
Pretax Income 15.00 Cr21.00 Cr31.00 Cr75.00 Cr218.00 Cr-804.73 Cr1,115.94 Cr1,430.59 Cr1,462.82 Cr
Tax Provision 5.25 Cr7.14 Cr11.47 Cr21.00 Cr61.04 Cr-201.24 Cr280.02 Cr358.10 Cr364.07 Cr
Net Income 10.00 Cr14.00 Cr20.00 Cr53.00 Cr157.00 Cr-603.50 Cr835.92 Cr1,072.49 Cr1,098.75 Cr
Diluted EPS 9.7312.8213.7527.8865.55-20.4928.3936.5037.25

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 165.00 Cr225.00 Cr694.00 Cr1,152.00 Cr2,350.00 Cr-8,702.83 Cr11,688.78 Cr14,420.56 Cr15,789.74 Cr
Current Assets ------2,594.98 Cr3,334.99 Cr4,048.19 Cr15,133.73 Cr
Cash & Equivalents ------1,340.36 Cr1,534.40 Cr1,497.16 Cr1,617.90 Cr
Inventory ----------
Receivables ----------
Total Liabilities ------4,363.29 Cr6,492.62 Cr8,115.96 Cr8,409.59 Cr
Current Liabilities ------1,532.47 Cr1,702.12 Cr2,098.43 Cr46.37 Cr
Long Term Debt ------2,800.47 Cr4,755.92 Cr5,948.44 Cr8,200.43 Cr
Total Debt ------4,247.28 Cr6,315.85 Cr7,921.99 Cr8,200.43 Cr
Total Equity 71.00 Cr92.00 Cr225.00 Cr592.00 Cr1,365.00 Cr-4,339.53 Cr5,196.15 Cr6,304.61 Cr7,380.15 Cr
Shares Outstanding ------29.14 Cr29.24 Cr29.44 Cr29.52 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -20.00 Cr-51.00 Cr-271.00 Cr-476.00 Cr-951.00 Cr--1,122.81 Cr-2,122.34 Cr-1,044.95 Cr-264.28 Cr
Investing Cash Flow -0-5.00 Cr-2.00 Cr16.00 Cr14.00 Cr-161.78 Cr210.16 Cr-585.58 Cr228.38 Cr
Financing Cash Flow 38.00 Cr46.00 Cr440.00 Cr408.00 Cr1,025.00 Cr-1,688.22 Cr2,106.22 Cr1,592.87 Cr157.06 Cr
Capital Expenditure 0-2.00 Cr-5.00 Cr-5.00 Cr-6.00 Cr--12.13 Cr-22.39 Cr-82.72 Cr-25.64 Cr
Free Cash Flow -20.00 Cr-53.00 Cr-276.00 Cr-481.00 Cr-957.00 Cr--1,134.94 Cr-2,144.73 Cr-1,127.67 Cr-289.92 Cr
Net Change in Cash 17.00 Cr-10.00 Cr167.00 Cr-53.00 Cr88.00 Cr-727.20 Cr194.04 Cr-37.66 Cr121.15 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------68.6%61.1%57.5%57.0%
Operating Margin % ------58.1%53.1%51.9%50.7%
Net Margin % 29.4%29.2%23.0%26.4%38.4%-41.1%40.2%38.3%34.6%
ROE % 14.1%15.2%8.9%9.0%11.5%-13.9%16.1%17.0%14.9%
ROCE % ------11.9%11.0%11.8%10.2%

Shareholding Pattern

Insiders
26.33%
Institutions
49.56%
Public Float
67.28%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for FIVESTAR

Google News ue, 24 Mar 2026

Dell Stock (DELL) Will Rise Further, Says Five-Star Analyst - Yahoo Finance

<a href="https://news.google.com/rss/articles/CBMimAFBVV95cUxOZVc0SFFlNHZObEQwWlBmcURDOUpnZXVBdnFPc3JUMnRPb2tLNVN3TWZqM1VBa2lyWkVtZl82NFFEdWFpVzRTeE5wYTUwSXBuZlRBUmwySDBSa0F2cTYtWFpvZWJXUjlXR1RjMlk3X25uNlZJaTNvRG1hekdPUXlSY0VpT2hQMzItaWxTd3…

Google News Sat, 02 May 2026

Five-Star Business Finance Limited (NSE:FIVESTAR) Just Reported Yearly Earnings: Have Analysts Changed Their Mind On The Stock? - simplywall.st

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Google News Mon, 27 Apr 2026

Five Star Bancorp Announces First Quarter 2026 Results - GlobeNewswire

<a href="https://news.google.com/rss/articles/CBMixAFBVV95cUxOUHBPNHpUblJWU3BXWjc2M0JPQkhMOUl0SnJiSGVGNFZvamtZaGtBd2xwM1d4ZGdFTi1peHlBTzFxcktydGJJVnVZTWowcl8tOFFoenJKSkJwa01YdU96SG9hREQ2eHoybFEtajdNRF9lSkFNTWpLSmhWODNoV2VISEktNE43SzNSSjE1eF…

Google News ue, 23 Jun 2026

Buy Five Star Business Finance; target of Rs 600: Motilal Oswal - TradingView

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Google News ue, 28 Apr 2026

Five-Star Business Finance Limited Recommends Final Dividend for the Financial Year Ended March 31, 2026 - marketscreener.com

<a href="https://news.google.com/rss/articles/CBMi5gFBVV95cUxQYlpZblhSdTJiaW1zcHZXNmlEQTh0OTRnZU4wd2R4VlBDZ19fWUxhTEd1R2lLaDd5ckdZaUYzaXJ6RnJ5cWY3dFNfdEx5RUw5Q2dkS0Nwd0VkbGtsSUR6T1NHNjhsR19vYjc5WGtXLWpTSnpDTjJBa3Fwc1RqaUNrY1hvb2hZbTN3UUVNek…

Google News Wed, 18 Mar 2026

Five-Star Business Finance Shares Rise 6% on NCD Plan - HDFC Sky

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FIVESTAR — Frequently Asked Questions

What is the current share price of Five-Star Business Finance Limited (FIVESTAR)?

As of 2026-07-15 09:52 IST, Five-Star Business Finance Limited (FIVESTAR) trades at ₹555.15 on NSE. Its 52-week range is ₹347.30 to ₹777.41.

What is the market capitalisation of FIVESTAR?

Five-Star Business Finance Limited (FIVESTAR) has a market capitalisation of ₹16,386.66 Cr on NSE.

What is the P/E ratio of FIVESTAR?

FIVESTAR trades at a trailing price-to-earnings (P/E) ratio of 14.90. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 2.18.

Does FIVESTAR pay a dividend?

Five-Star Business Finance Limited (FIVESTAR) currently offers a dividend yield of 0.37%.

What is the return on equity (ROE) of FIVESTAR?

FIVESTAR has a return on equity (ROE) of 14.89%. Its return on capital employed (ROCE) is 10.22%.

Is FIVESTAR a good stock to buy?

This page provides a data-driven analysis of Five-Star Business Finance Limited (FIVESTAR), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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