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Five-Star Business Finance Limited FIVESTAR NIFTY_SMALLNSEFINANCIAL

Financial Services · Credit Services · India
https://www.fivestargroup.in
Company Profile ↓
₹476.35
-16.12% 1Y
Mkt Cap₹14,061.65 Cr
P/E12.74
P/B2.01
Div. Yield0.40%
52W High₹657.61
52W Low₹346.04
Book Value₹250.03
EPS (TTM)₹37.39

Company Overview

Five-Star Business Finance Limited operates as a non-banking financial company in India. The company offers business and other loans to small business owners and self-employed individuals, as well as for other purposes such as business expansion, home renovation/improvement and other mortgage purposes, including marriage, education, emergency. 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 27.5% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 12.7, below the sector median of 15.4.

Healthy Margins

Maintains a net profit margin of 47.8%.

Recent Developments

  • Mar 2026 Revenue of ₹3,046.25 Cr (+12.6% YoY); net profit ₹1,098.75 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +8.0%, earnings +1.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR 27.5%, profit CAGR 22.1%.

Growth & Price Performance

Compounded Sales Growth

5 Years:27.50%
1 Year:8.00%

Compounded Profit Growth

5 Years:22.11%
1 Year:1.80%

Stock Price Performance

1 Year:-16.12%
6 Months:-3.08%
3 Months:-10.52%
1 Month:-9.26%

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

Technical Snapshot Bearish
52-Week Range 42% of range
₹346.04 ₹657.61
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)33.55 · Neutral
Price Performance
1M-9.26%
3M-10.52%
6M-3.08%
1Y-16.12%
Valuation vs Sector

P/E of 12.74 is below the sector median of 15.36 — 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 47.8%.
  • Compounding revenue at 27.5% over 5 years.
  • Profit CAGR of 22.1% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

  • Trading 27.6% below its 52-week high.

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

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Valuation

Stock P/E
12.74
Industry PE
15.36
Forward P/E
9.60
PEG Ratio
-
Book Value
₹250.03
Price to Book
2.01
P/S
6.42
EV/EBITDA
13.92
Dividend Yield
0.40%

Growth (CAGR)

Revenue 5Y
27.50%
Profit 5Y
22.11%
Revenue (YoY)
8.00%
Earnings (YoY)
1.80%

Profitability & Returns

ROCE
11.78%
ROE
14.89%
ROA
6.96%
Profit Margin
47.80%
Op Margin
59.13%
Gross Margin
99.61%
EPS (Latest Qtr)
₹9.18
EPS (TTM)
₹37.39

Balance Sheet & Liquidity

Debt/Equity
1.12
Quick Ratio
-
Current Ratio
1.61
Debt
₹8,260.56 Cr
Total Assets
₹15,789.74 Cr
Current Assets
₹4,352.43 Cr
Working Capital
₹1,646.31 Cr

Ownership

Promoter Holding
26.32%
Chg in Prom Hold
-
FII / Inst Holding
47.52%
Chg in FII Hold
-3.29%

Financial Snapshot

Enterprise Value
₹14,061.65 Cr
Total Revenue (TTM)
₹2,309.46 Cr
EBITDA
₹1,577.86 Cr
Free Cash Flow
₹-289.92 Cr
Operating Cash Flow
₹-264.28 Cr
Shares Outstanding
₹29.52 Cr
Gross Margin
99.61%
Payout Ratio
5.35%

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 476.35 12.74 ₹14,061.65 Cr 0.40% 11.78% 14.89% 27.50% 22.11%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 706.95 15.45 ₹10.90 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,385.00 17.90 ₹9.94 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 963.00 10.32 ₹8.89 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 926.00 28.43 ₹5.77 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.80 21.46 ₹4.36 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,210.00 13.61 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,690.00 26.83 ₹2.70 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 392.05 8.26 ₹2.48 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026Jun 2026
Revenue 719.24 Cr745.64 Cr774.31 Cr807.42 Cr809.58 Cr821.20 Cr
Cost of Revenue 300.55 Cr319.55 Cr343.37 Cr348.25 Cr351.86 Cr360.38 Cr
Gross Profit 418.69 Cr426.08 Cr430.95 Cr459.17 Cr457.72 Cr460.82 Cr
Operating Expenses 42.09 Cr43.75 Cr45.08 Cr48.07 Cr56.67 Cr54.59 Cr
Operating Income 376.60 Cr382.33 Cr385.86 Cr411.10 Cr401.06 Cr406.22 Cr
EBITDA 384.95 Cr391.33 Cr394.08 Cr420.72 Cr411.15 Cr415.43 Cr
Interest Expense ------
Pretax Income 365.13 Cr371.07 Cr354.95 Cr368.81 Cr357.13 Cr361.95 Cr
Tax Provision 91.27 Cr91.95 Cr88.64 Cr91.79 Cr87.86 Cr90.54 Cr
Net Income 273.86 Cr279.12 Cr266.31 Cr277.03 Cr269.27 Cr271.41 Cr
Diluted EPS 9.359.499.029.389.149.18

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 Cr2,705.51 Cr3,046.25 Cr
Cost of Revenue ------462.14 Cr807.92 Cr1,044.72 Cr1,216.48 Cr
Gross Profit ------1,007.47 Cr1,270.17 Cr1,660.80 Cr1,829.77 Cr
Operating Expenses 8.00 Cr12.00 Cr31.00 Cr66.00 Cr110.00 Cr-153.44 Cr167.38 Cr202.26 Cr236.55 Cr
Operating Income ------854.04 Cr1,102.79 Cr1,458.54 Cr1,593.21 Cr
EBITDA ------909.14 Cr1,172.12 Cr1,535.84 Cr1,577.86 Cr
Interest Expense 10.00 Cr14.00 Cr24.00 Cr57.00 Cr76.00 Cr2.20 Cr87.09 Cr31.62 Cr74.86 Cr77.99 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 Cr4,352.43 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 Cr2,706.13 Cr
Long Term Debt ------2,800.47 Cr4,755.92 Cr5,948.44 Cr5,608.26 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%61.4%60.1%
Operating Margin % ------58.1%53.1%53.9%52.3%
Net Margin % 29.4%29.2%23.0%26.4%38.4%-41.1%40.2%39.6%36.1%
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%12.2%

Shareholding Pattern

Insiders
26.32%
Institutions
47.52%
Public Float
64.50%

Analyst View

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Latest News

Recent headlines for FIVESTAR

Google News Mon, 12 Oct 2026

This five-star money manager shares three stock picks, including one betting on dying American malls - MarketWatch

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Google News Mon, 21 Sep 2026

12 New 5-Star Stocks This Week - Morningstar

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Google News ue, 06 Oct 2026

Five-Star Investor Warns on Archer Aviation Stock - TradingView

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Google News Wed, 22 Jul 2026

Five Star Bancorp Announces Launch of Common Stock Offering - Yahoo Finance

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Google News Mon, 28 Sep 2026

10 New 5-Star Stocks This Week - Morningstar

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Google News Wed, 22 Jul 2026

Five Star Bancorp Announces Pricing of Common Stock Offering - Yahoo Finance

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FIVESTAR — Frequently Asked Questions

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

As of 2026-10-23 04:58 IST, Five-Star Business Finance Limited (FIVESTAR) trades at ₹476.35 on NSE. Its 52-week range is ₹346.04 to ₹657.61.

What is the market capitalisation of FIVESTAR?

Five-Star Business Finance Limited (FIVESTAR) has a market capitalisation of ₹14,061.65 Cr on NSE.

What is the P/E ratio of FIVESTAR?

FIVESTAR trades at a trailing price-to-earnings (P/E) ratio of 12.74. The industry average P/E is 15.36. Its price-to-book (P/B) ratio is 2.01.

Does FIVESTAR pay a dividend?

Five-Star Business Finance Limited (FIVESTAR) currently offers a dividend yield of 0.40%.

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 11.78%.

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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