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Five-Star Business Finance Ltd

₹ 532-0.74%
07 Jan 10:06 a.m. – close price
🔗fivestargroup.inâ€ĸBSE: 543663â€ĸNSE: FIVESTAR
Market Cap₹ 15,668 Cr.
Current Price₹ 532
High / Low₹ 850
Stock P/E14.2
Book Value₹ 231
Dividend Yield0.37 %
ROCE16.3 %
ROE18.6 %
Face Value₹ 1.00
Sales₹ 3,066 Cr.
OPM71.7 %
Mar Cap₹ 15,668 Cr.

ABOUT

Incorporated in 1984, Five Star Business Finance Limited is an NBFC-ND-SI providing secured business loans to micro-entrepreneurs and self-employed individuals across South India.[1]

KEY POINTS

Leading NBFC in South India[1]Five-Star Business Finance is one of the fastest growing (20.5% CAGR between FY20 -FY24)[2]NBFC-ND-SI providing secured business loans to microentrepreneurs and self-employed individuals.

Also present in buckets:
Aggressive Growth TriggersExcellent ResultsRevenue GuidanceAsset Base ExpansionCapacity Expansion And ProductsPreferential IssuanceOrder Book PositionCredit Rating UpdatesRed Flags And Poor Performance

Peer Comparision

S.No.NameCurrent Price (Rs.)Price to EarningMarket Capitalization (Rs.Cr.)Dividend yield (%)Net Profit latest quarter (Rs.Cr.)YOY Quarterly profit growth (%)Sales latest quarter (Rs.Cr.)YOY Quarterly sales growth (%)Return on capital employed (%)Sales (Rs.Cr.)OPM (%)Profit after tax (Rs.Cr.)Profit after tax latest quarter (Rs.Cr.)Price to book valueReturn on assets (%)Debt to equity
1.Bajaj Finance966.8032.86601589.530.454947.7621.8920178.9018.0611.3576194.7468.4818301.084875.365.843.993.85
2.Shriram Finance995.1021.38187214.351.002314.1612.2211912.4418.0710.9545601.3072.598760.032314.223.093.043.87
3.Muthoot Finance3934.1021.62157941.700.672411.6590.367282.7947.7613.1924544.4075.967303.692420.634.804.673.76
4.Tata Capital358.0541.28151987.530.001118.972.017737.187.699.5828323.8571.643658.331097.32–1.725.88
5.Cholaman.Inv.&Fn1784.3032.41150568.760.111159.6119.827491.3819.7610.3428536.7369.184645.191159.615.792.387.23
6.SBI Cards890.8544.1984771.270.28444.779.984960.9812.2110.4019130.5427.491918.14444.775.703.103.33
7.L&T Finance Ltd312.1028.9878107.040.87734.885.644335.757.878.7116715.8260.772698.51734.842.962.373.72
8.Five-Star Bus.Fi531.9514.1615668.280.37286.146.79799.4413.8716.343065.7771.731105.43286.142.308.221.23
–Median: 96 Co.133.822.21505.380.07.239.2741.013.659.2166.2256.4317.76.242.013.040.79

Quarterly Results

Standalone figures in ₹ crores

Dec 2022Dec 2023Dec 2024Jun 2023Jun 2024Jun 2025Mar 2023Mar 2024Mar 2025Sep 2022Sep 2023Sep 2024Sep 2025
Sales
–––––––––––––
Expenses
119145186137169241133161204104144178236
Operating Profit
–––––––––––––
Other Income
2343354371447
Profit before tax
202290365246336355224313371193267358382
Tax %
25%25%25%25%25%25%25%25%25%25%25%25%25%
Net Profit
151217274184252266169236279144199268286
EPS in Rs
5.187.429.336.308.609.045.808.079.484.956.849.169.72

Profit & Loss

Standalone Figures in ₹ Crores / Yearly

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales
––––––––––
Expenses
3064107210237337439582733867
Operating Profit
––––––––––
Other Income
0111128121823
Interest
245573218327302268472672714
Depreciation
13410111217253035
Profit before tax
31762183494766048051,1161,4311,473
Net Profit
19541562623594546048361,0721,105
EPS in Rs
13.5828.3065.40103.80142.2615.5720.7128.5836.4337.57
Dividend Payout %
0%0%0%0%0%0%0%0%5%–

Compounded Profit Growth

10 Years:%
5 Years:33%
3 Years:33%
TTM:14%

Compounded Sales Growth

10 Years:%
5 Years:29%
3 Years:31%
TTM:20%

Return on Equity

10 Years:%
5 Years:17%
3 Years:17%
Last Year:19%

Stock Price CAGR

10 Years:%
5 Years:%
3 Years:-6%
1 Year:-26%

Balance Sheet

Standalone figures in ₹ crores

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital
14192426262929292929
Reserves
2105731,3411,9192,2933,6814,3105,1676,2756,777
Borrowings
––––––––––
Other Liabilities
141431455074116177194252
Total Liabilities
6901,1342,3174,3535,7946,3438,70311,68914,42115,435
Fixed Assets
501028253345648692
Gross Block
7.130.0016.2140.2743.0656.8577.42108.38144.43–
Accumulated Depreciation
2.270.006.7112.3718.1424.0032.5144.0458.03–
CWIP
200000006272
Investments
15151500248145108212220
Other Assets
6691,1192,2934,3255,7696,0628,51311,51714,06015,051
Total Assets
6901,1342,3174,3535,7946,3438,70311,68914,42115,435

Cash Flows

Standalone Figures in ₹ Crores / Yearly

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity
–-457-940-1,523-157-277-1,123-2,122-1,045
Cash from Investing Activity
–1014-132102-384162210-585
Cash from Financing Activity
–3931,0101,7251,03371,6882,1061,593
Net Cash Flow
–-538470977-654727194-37

Ratios

Standalone Figures in ₹ Crores / Yearly

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days
–––––––––
Inventory Days
–––––––––
Days Payable
–––––––––
Cash Conversion Cycle
–––––––––
Working Capital Days
–––––––––
ROCE %
–––––––––

Shareholding Pattern

Numbers in percentages

Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Promoters
34.87%34.87%34.39%31.30%26.54%26.51%26.51%21.59%21.55%21.47%21.47%18.57%
FIIs
6.54%6.98%8.74%50.22%54.28%56.06%57.45%56.70%57.76%58.75%58.13%55.80%
DIIs
5.62%5.05%4.71%7.52%7.82%6.97%6.07%8.99%10.10%9.09%9.48%12.16%
Public
52.96%53.10%52.15%10.97%11.36%10.44%9.96%12.71%10.60%10.69%10.93%13.46%

* The classifications might have changed from Sep'2022 onwards.ℹī¸

BSE Announcements AI Summary

Direct from BSE filings, auto-summarised

Five Star Business Finance Announces Trading Window Closure for FY26 Results

27th March 2026, 10:04 pm

Five Star Business Finance Allots 2,99,110 Shares on ESOP Exercise

25th March 2026, 7:52 pm

Five Star Business Finance Converts Share Warrants to Equity Shares

24th March 2026, 1:45 pm

Five-Star Business Finance Ltd. Members Approve Director Appointments via Postal Ballot

23rd March 2026, 11:03 pm

Five-Star Business Finance Ltd Members Approve Director Appointments Via Postal Ballot

23rd March 2026, 10:41 pm

Published by Other Websites

External media mentions & references

Kotak Splits Portfolio Post-Market Drop, Unlocks Mid-Cap Value

30th March 2026, 2:36 pm

Oil Surge, Rupee Crash Send Sensex, Nifty Plunging; 360+ Stocks Hit 52-Week Lows

12th March 2026, 4:16 pm

Aye Finance IPO: Rs 1,010 Cr Issue Opens Feb 9 Amid Mixed Financials

3rd February 2026, 8:56 pm

Promoter Sell-Off Alert: Are India's Top Companies Cashing Out as Market Becomes Expensive?

12th December 2025, 7:55 am

Analysts Unanimous: 5 BSE500 Stocks With Buy Ratings Offer Huge Upside - Are You Missing Out?

25th November 2025, 9:33 pm

News Articles

Editorial & research coverage

Aye Finance IPO: Rs 1,010 Cr Issue Opens Feb 9 Amid Mixed Financials
Aye Finance IPO: Rs 1,010 Cr Issue Opens Feb 9 Amid Mixed Financials

3rd February 2026, 8:56 pm

Promoter Sell-Off Alert: Are India's Top Companies Cashing Out as Market Becomes Expensive?
Promoter Sell-Off Alert: Are India's Top Companies Cashing Out as Market Becomes Expensive?

12th December 2025, 7:55 am

Five-Star Business Finance: Loan Book Grows 16%, But Asset Quality Cracks Emerge
Five-Star Business Finance: Loan Book Grows 16%, But Asset Quality Cracks Emerge
Five-Star Business Finance Cuts Growth to Fix Portfolio, FY27 Guidance Delayed
Five-Star Business Finance Cuts Growth to Fix Portfolio, FY27 Guidance Delayed

Documents

Announcements

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

1d - Of Allotment of 10,750 equity shares pursuant to exercise of Employee Stock Options

Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011

29 Dec - Wasatch sold 63,741 Five-Star shares on Dec 26, 2025; holding reduced to 21,307,031 (7.23%).

Closure of Trading Window

27 Dec - Trading window closed Jan 1, 2026 until 48 hours after unaudited results for quarter ended Dec 31, 2025.

Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS

10 Dec - Of allotment of 59,118 equity shares pursuant to exercise of Employee Stock Options

Annual Reports

Financial Year 2025

(from bse)

Financial Year 2024

(from bse)

Financial Year 2023

(from bse)

Credit Ratings

Rating update

2 Sep 2025 from icra

Rating update

5 Jun 2025 from care

Rating update

4 Apr 2025 from fitch

Rating update

28 Oct 2024 from crisil

Rating update

4 Sep 2024 from icra

Rating update

7 Jun 2024 from care

Concalls

Nov 2025

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May 2025

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Feb 2025

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Nov 2024

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Oct 2024

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Aug 2024

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May 2024

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Feb 2024

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Nov 2023

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Aug 2023

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May 2023

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Feb 2023

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Dec 2022

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Stock Analysis

Description

Five Star Business Finance is an NBFC-ND-SI providing secured business loans to micro-entrepreneurs and self-employed individuals across South India.

Key Growth Triggers

Currently no data available for Key Growth Triggers.

Order Book

Currently no data available for Order Book.

Key Red Flags

Currently no data available for Key Red Flags.

Key Dates To Watch

Currently no data available for Key Dates To Watch.

Corporate Announcements

27th Mar 26
Impact Rating: 6
Five Star Business Finance Limited will observe a closed trading window from April 1, 2026. This closure will last until 48 hours post the declaration of audited financial results for the quarter and year ended March 31, 2026.
25th Mar 26
Impact Rating: 7
Five Star Business Finance Limited has allotted 2,99,110 equity shares under its ESOP scheme on March 25, 2026. The allotment realized INR 1,90,68,410, increasing the company's paid-up capital to INR 29,51,75,278, with new shares ranking pari-passu.
24th Mar 26
Impact Rating: 8
Five Star Business Finance announced the conversion of 3,10,000 share warrants into equity shares at INR 770 per share. The total consideration paid by allottees was ₹23.87 crore, increasing the paid-up share capital to INR 29,48,76,168.
23rd Mar 26
Impact Rating: 5
Five-Star Business Finance Ltd. reported the outcome of its postal ballot, with shareholders approving the appointment of Rajeshwari Shankar and the re-appointment of Srinivasaraghavan Thiruvallur Thattai as Independent Directors.
23rd Mar 26
Impact Rating: 5
Shareholders of Five-Star Business Finance Limited have unanimously passed special resolutions for appointing Rajeshwari Shankar and re-appointing Srinivasaraghavan Thiruvallur Thattai as Independent Directors via postal ballot, with results declared March 23, 2026.