WEBSITE BSE:543663 NSE: FIVESTAR Inc. Year: 1984 Industry: Finance - NBFC
Last updated: 15:57
Five-Star Business Finance Ltd is a non-banking financial company (NBFC) based in India that provides financing solutions to small and medium enterprises (SMEs) and micro, small and medium enterprises (MSMEs). The company specializes in offering collateral-free loans, working capital loans, business expansion loans, and loan against property. Five-Star Business Finance operates through a network of 70+ branches spread across 9 states in India. The company has a customer-centric approach and aims to provide quick and hassle-free financing soluti...Read More
Five-Star Business Finance Ltd is a non-banking financial company (NBFC) based in India that provides financing solutions to small and medium enterprises (SMEs) and micro, small and medium enterprises (MSMEs). The company specializes in offering collateral-free loans, working capital loans, business expansion loans, and loan against property. Five-Star Business Finance operates through a network of 70+ branches spread across 9 states in India. The company has a customer-centric approach and aims to provide quick and hassle-free financing solutions to its customers. With a strong focus on technology, the company offers online loan application and approval processes, making it convenient for its customers to access finance. Five-Star Business Finance has received several awards and recognitions for its contribution to the MSME sector in India. ...Read Less
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Market Cap ₹15146 Cr.
Stock P/E 14.1
P/B 2.2
Current Price ₹514.2
Book Value ₹ 231.1
Face Value 1
52W High ₹850.5
Dividend Yield 0.39%
52W Low ₹ 499.4
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 480 | 519 | 567 | 616 | 666 | 702 | 727 | 752 | 787 | 799 |
| Other Income | 3 | 4 | 3 | 3 | 3 | 4 | 4 | 7 | 5 | 7 |
| Total Income | 484 | 522 | 570 | 619 | 669 | 706 | 731 | 760 | 791 | 807 |
| Total Expenditure | 137 | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 | 235 |
| Operating Profit | 347 | 379 | 425 | 458 | 501 | 528 | 545 | 555 | 550 | 571 |
| Interest Expense | 96 | 106 | 129 | 138 | 158 | 163 | 171 | 175 | 187 | 180 |
| Depreciation | 5 | 6 | 7 | 7 | 6 | 7 | 8 | 9 | 8 | 9 |
| Profit Before Tax | 246 | 267 | 290 | 313 | 336 | 358 | 365 | 371 | 355 | 382 |
| Provision for Tax | 62 | 68 | 73 | 77 | 85 | 90 | 91 | 92 | 89 | 96 |
| Profit After Tax | 184 | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 | 286 |
| Adjustments | 0 | 0 | -0 | 0 | 0 | 0 | 0 | -0 | 0 | 0 |
| Profit After Adjustments | 184 | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 | 286 |
| Adjusted Earnings Per Share | 6.3 | 6.8 | 7.4 | 8.1 | 8.6 | 9.2 | 9.3 | 9.5 | 9 | 9.7 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 33 | 46 | 83 | 196 | 409 | 787 | 1050 | 1254 | 1521 | 2183 | 2848 | 3065 |
| Other Income | 1 | 1 | 3 | 1 | 0 | 1 | 2 | 2 | 8 | 12 | 18 | 23 |
| Total Income | 34 | 47 | 86 | 197 | 409 | 787 | 1051 | 1256 | 1529 | 2195 | 2866 | 3089 |
| Total Expenditure | 8 | 12 | 30 | 64 | 110 | 210 | 237 | 337 | 439 | 582 | 733 | 866 |
| Operating Profit | 26 | 35 | 55 | 133 | 299 | 578 | 814 | 919 | 1090 | 1613 | 2133 | 2221 |
| Interest Expense | 10 | 14 | 24 | 55 | 76 | 218 | 327 | 302 | 268 | 472 | 672 | 713 |
| Depreciation | 0 | 1 | 1 | 3 | 4 | 10 | 11 | 12 | 17 | 25 | 30 | 34 |
| Profit Before Tax | 15 | 20 | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1116 | 1431 | 1473 |
| Provision for Tax | 5 | 7 | 11 | 21 | 62 | 87 | 117 | 151 | 201 | 280 | 358 | 368 |
| Profit After Tax | 10 | 13 | 19 | 54 | 157 | 262 | 359 | 454 | 603 | 836 | 1072 | 1105 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 10 | 13 | 19 | 54 | 157 | 262 | 359 | 454 | 603 | 836 | 1072 | 1105 |
| Adjusted Earnings Per Share | 9.7 | 12.5 | 13.6 | 28.3 | 65.5 | 102.4 | 140 | 15.6 | 20.7 | 28.6 | 36.4 | 37.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 30% | 31% | 29% | 56% |
| Operating Profit CAGR | 32% | 32% | 30% | 55% |
| PAT CAGR | 28% | 33% | 33% | 60% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -24% | -4% | NA% | NA% |
| ROE Average | 19% | 17% | 17% | 16% |
| ROCE Average | 16% | 16% | 16% | 16% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 71 | 91 | 224 | 592 | 1365 | 1945 | 2318 | 3710 | 4340 | 5196 | 6305 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 35 | 80 | 334 | 478 | 951 | 2364 | 3423 | 2484 | 4180 | 4756 | 5948 |
| Current Liability | 66 | 65 | 148 | 61 | 31 | 42 | 50 | 145 | 180 | 1702 | 2098 |
| Other Liabilities & Provisions | 0 | -0 | 0 | -5 | -12 | -26 | -34 | -43 | -49 | -38 | -18 |
| Total Liabilities | 173 | 236 | 707 | 1127 | 2335 | 4325 | 5757 | 6296 | 8650 | 11616 | 14333 |
| Loans | 88 | 146 | 385 | 969 | 2096 | 3831 | 4359 | 5102 | 6822 | 9685 | 11687 |
| Investments | 0 | 15 | 15 | 15 | 0 | 0 | 0 | 140 | 104 | 0 | 212 |
| Fixed Assets | 1 | 2 | 5 | 6 | 9 | 28 | 25 | 33 | 45 | 64 | 86 |
| Other Loans | 1 | 1 | 2 | 8 | 7 | 9 | 13 | 11 | 15 | 3 | 3 |
| Other Non Current Assets | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 151 | 193 |
| Current Assets | 83 | 72 | 299 | 129 | 223 | 457 | 1360 | 1010 | 1664 | 1713 | 2151 |
| Total Assets | 173 | 236 | 707 | 1127 | 2335 | 4325 | 5757 | 6296 | 8650 | 11616 | 14333 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 10 | 28 | 3 | 180 | 131 | 220 | 290 | 1267 | 613 | 1340 | 1534 |
| Cash Flow from Operating Activities | -20 | -51 | -261 | -457 | -951 | -1523 | -157 | -277 | -1123 | -2122 | -1045 |
| Cash Flow from Investing Activities | -0 | -20 | 1 | 11 | 14 | -132 | 102 | -384 | 162 | 210 | -585 |
| Cash Flow from Financing Activities | 37 | 46 | 437 | 393 | 1025 | 1725 | 1033 | 7 | 1688 | 2106 | 1593 |
| Net Cash Inflow / Outflow | 17 | -25 | 177 | -53 | 88 | 70 | 977 | -654 | 727 | 194 | -37 |
| Closing Cash & Cash Equivalent | 28 | 2 | 180 | 126 | 220 | 290 | 1267 | 613 | 1340 | 1534 | 1497 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 9.73 | 12.54 | 13.58 | 28.3 | 65.55 | 102.4 | 139.99 | 15.57 | 20.71 | 28.58 | 36.43 |
| CEPS(Rs) | 10.08 | 13.02 | 14.23 | 29.65 | 67.3 | 106.33 | 144.43 | 15.99 | 21.31 | 29.42 | 37.46 |
| DPS(Rs) | 1.62 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 |
| Book NAV/Share(Rs) | 69.85 | 85.2 | 157.37 | 307.24 | 569.14 | 758.46 | 896.95 | 126.18 | 146.84 | 175.75 | 212.73 |
| Net Profit Margin | 30.08 | 28.99 | 23.32 | 27.63 | 38.31 | 33.3 | 34.2 | 36.17 | 39.68 | 38.29 | 37.66 |
| Operating Margin | 77.51 | 74.31 | 65.62 | 66.54 | 72.1 | 72.13 | 76.5 | 72.29 | 70.54 | 72.76 | 73.83 |
| PBT Margin | 46.07 | 43.9 | 37.06 | 38.54 | 53.42 | 44.4 | 45.39 | 48.18 | 52.91 | 51.12 | 50.23 |
| ROA(%) | 6.78 | 6.56 | 4.11 | 5.92 | 9.05 | 7.87 | 7.12 | 7.53 | 8.08 | 8.25 | 8.27 |
| ROE(%) | 16.68 | 16.52 | 12.28 | 13.34 | 16.07 | 15.87 | 16.93 | 15.18 | 15.17 | 17.75 | 18.81 |
| ROCE(%) | 18.89 | 18.27 | 12.2 | 14.54 | 17.11 | 17.11 | 15.98 | 15.09 | 14.44 | 15.8 | 16.34 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 25.98 | 25.16 | 19.85 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3.66 | 4.09 | 3.4 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.28 |
| EV/Net Sales(x) | 2.09 | 2.9 | 3.44 | 2.14 | 1.87 | 2.46 | 2 | 1.36 | 12.06 | 11.81 | 9.52 |
| EV/Core EBITDA(x) | 2.66 | 3.84 | 5.15 | 3.16 | 2.56 | 3.36 | 2.57 | 1.86 | 16.83 | 15.98 | 12.71 |
| Interest Earned Growth(%) | 30.96 | 40.3 | 79.5 | 136.28 | 108.32 | 92.39 | 33.43 | 19.46 | 21.27 | 43.53 | 30.46 |
| Net Profit Growth | 36.45 | 35.2 | 44.43 | 179.96 | 188.81 | 67.21 | 37.05 | 26.34 | 33.06 | 38.51 | 28.3 |
| EPS Growth(%) | 20.4 | 28.89 | 8.33 | 108.34 | 131.65 | 56.22 | 36.71 | -88.88 | 33.05 | 38 | 27.44 |
| Interest Coverage(x) % | 2.47 | 2.44 | 2.3 | 2.38 | 3.86 | 2.6 | 2.46 | 3 | 4 | 3.36 | 3.13 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 31.3 | 26.53 | 26.51 | 26.51 | 21.59 | 21.55 | 21.47 | 21.47 | 18.57 | 18.56 |
| FII | 50.22 | 54.28 | 56.07 | 57.45 | 56.7 | 57.75 | 58.75 | 58.12 | 55.81 | 52.94 |
| DII | 7.52 | 7.81 | 6.98 | 6.07 | 8.98 | 10.11 | 9.09 | 9.48 | 12.17 | 14.73 |
| Public | 10.95 | 11.38 | 10.45 | 9.96 | 12.73 | 10.6 | 10.68 | 10.93 | 13.46 | 13.76 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 9.13 | 7.75 | 7.75 | 7.75 | 6.31 | 6.32 | 6.32 | 6.32 | 5.47 | 5.47 |
| FII | 14.65 | 15.86 | 16.4 | 16.8 | 16.58 | 16.94 | 17.3 | 17.11 | 16.43 | 15.59 |
| DII | 2.19 | 2.28 | 2.04 | 1.78 | 2.63 | 2.97 | 2.68 | 2.79 | 3.58 | 4.34 |
| Public | 3.2 | 3.32 | 3.05 | 2.91 | 3.72 | 3.11 | 3.15 | 3.22 | 3.96 | 4.05 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 29.17 | 29.22 | 29.24 | 29.25 | 29.25 | 29.34 | 29.44 | 29.44 | 29.45 | 29.45 |
* The pros and cons are machine generated.
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