Five Star Business

₹732 12.5 | 1.7%

WEBSITE BSE:543663 NSE : FIVESTAR 10 May, 16:01

Market Cap ₹21407 Cr.

Stock P/E 25.6

P/B 4.1

Current Price ₹732

Book Value ₹ 177.7

Face Value 1

52W High ₹875.4

Dividend Yield 0%

52W Low ₹ 519.9

Edit Ratio

Five Star Business Research see more...

Overview Inc. Year: 1984Industry: Finance - NBFC

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.

Five Star Business Share Price

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Peer Comparison

Five Star Business Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Operating Revenue	317	326	338	361	387	436	480	519	567	616
Other Income	1	1	1	1	2	4	3	4	3	3
Total Income	318	327	339	362	389	439	484	522	570	619
Total Expenditure	86	101	84	104	119	133	137	144	145	161
Operating Profit	232	226	255	258	270	306	347	379	425	458
Interest Expense	72	63	65	61	63	77	96	106	129	138
Depreciation	3	4	4	4	5	5	5	6	7	7
Profit Before Tax	157	159	186	193	202	224	246	267	290	313
Provision for Tax	39	41	47	49	51	55	62	68	73	77
Profit After Tax	118	118	139	144	151	169	184	199	217	236
Adjustments	0	0	0	-0	0	0	0	0	-0	0
Profit After Adjustments	118	118	139	144	151	169	184	199	217	236
Adjusted Earnings Per Share	4.1	4	4.8	4.9	5.2	5.8	6.3	6.8	7.4	8.1

Five Star Business Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	19	25	33	46	83	196	409	787	1050	1254	1521	2182
Other Income	0	0	1	1	3	1	0	1	2	2	8	13
Total Income	19	25	34	47	86	197	409	787	1051	1256	1529	2195
Total Expenditure	3	5	8	12	30	64	110	210	237	337	439	587
Operating Profit	16	21	26	35	55	133	299	578	814	919	1090	1609
Interest Expense	6	9	10	14	24	55	76	218	327	302	268	469
Depreciation	0	0	0	1	1	3	4	10	11	12	17	25
Profit Before Tax	9	11	15	20	31	76	218	349	476	604	805	1116
Provision for Tax	3	4	5	7	11	21	62	87	117	151	201	280
Profit After Tax	6	7	10	13	19	54	157	262	359	454	603	836
Adjustments	0	0	0	0	0	0	0	0	0	0	0	0
Profit After Adjustments	6	7	10	13	19	54	157	262	359	454	603	836
Adjusted Earnings Per Share	8.6	8.1	9.7	12.5	13.6	28.3	65.5	102.4	140	15.6	20.7	28.6

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	21%	25%	51%	55%
Operating Profit CAGR	19%	24%	52%	53%
PAT CAGR	33%	32%	62%	59%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	35%	NA%	NA%	NA%
ROE Average	15%	16%	16%	17%
ROCE Average	14%	15%	16%	17%

Five Star Business Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	25	48	71	91	224	592	1365	1945	2318	3710	4340
Minority's Interest	0	0	0	0	0	0	0	0	0	0	0
Borrowings	19	24	35	80	334	0	951	2364	3423	2475	4164
Current Liability	41	48	66	65	148	535	28	38	50	154	195
Other Liabilities & Provisions	1	0	0	-0	0	0	-9	-22	-34	-43	-49
Total Liabilities	85	120	173	236	707	1127	2335	4325	5757	6296	8650
Loans	0	0	0	0	0	0	0	0	0	0	0
Investments	0	0	0	15	15	15	0	0	0	140	104
Fixed Assets	0	1	1	2	5	6	9	28	25	33	45
Other Loans	47	64	89	147	387	6	2100	3836	4363	5108	6833
Other Non Current Assets	0	0	0	0	2	2	0	0	0	0	0
Current Assets	38	55	83	72	299	1098	226	461	1369	1015	1667
Total Assets	85	120	173	236	707	1127	2335	4325	5757	6296	8650

Five Star Business Cash Flow

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	1	2	10	28	3	180	131	220	290	1267	613
Cash Flow from Operating Activities	-13	-17	-20	-51	-261	-457	-951	-1523	-157	-277	-1123
Cash Flow from Investing Activities	-4	2	-0	-20	1	11	14	-132	102	-384	162
Cash Flow from Financing Activities	19	23	37	46	437	393	1025	1725	1033	7	1688
Net Cash Inflow / Outflow	2	8	17	-25	177	-53	88	70	977	-654	727
Closing Cash & Cash Equivalent	2	10	28	2	180	126	220	290	1267	613	1340

Five Star Business Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	8.62	8.08	9.73	12.54	13.58	28.3	65.55	102.4	139.99	15.57	20.71
CEPS(Rs)	8.76	8.27	10.08	13.02	14.23	29.65	67.3	106.33	144.43	15.99	21.31
DPS(Rs)	0.18	0.18	0.16	0	0	0	0	0	0	0	0
Book NAV/Share(Rs)	35.67	53.03	69.85	85.2	157.37	307.24	569.14	758.46	896.95	126.18	146.84
Net Profit Margin	32.45	28.87	30.08	28.99	23.32	27.63	38.31	33.3	34.2	36.17	39.68
Operating Margin	82.93	81.52	77.51	74.31	65.62	66.54	72.1	72.13	76.5	72.29	70.54
PBT Margin	48.58	43.84	46.07	43.9	37.06	38.54	53.42	44.4	45.39	48.18	52.91
ROA(%)	7.07	7.09	6.78	6.56	4.11	5.92	9.05	7.87	7.12	7.53	8.08
ROE(%)	24.17	20	16.68	16.52	12.28	13.34	16.07	15.87	16.93	15.18	15.17
ROCE(%)	18.9	21.23	18.89	18.27	12.2	14.54	17.11	17.11	15.98	15.09	14.44
Price/Earnings(x)	0	0	0	0	0	0	0	0	0	0	25.98
Price/Book(x)	0	0	0	0	0	0	0	0	0	0	3.66
Dividend Yield(%)	0	0	0	0	0	0	0	0	0	0	0
EV/Net Sales(x)	3.3	2.47	2.09	2.9	3.44	2.14	1.87	2.46	2	1.36	12.06
EV/Core EBITDA(x)	3.95	3.01	2.66	3.84	5.15	3.16	2.56	3.36	2.57	1.86	16.83
Interest Earned Growth(%)	0	35.42	30.96	40.3	79.5	136.28	108.32	92.39	33.43	19.46	21.27
Net Profit Growth	0	20.46	36.45	35.2	44.43	179.96	188.81	67.21	37.05	26.34	33.06
EPS Growth(%)	0	-6.31	20.4	28.89	8.33	108.34	131.65	56.22	36.71	-88.88	33.05
Interest Coverage(x) %	2.41	2.16	2.47	2.44	2.3	2.38	3.86	2.6	2.46	3	4

Five Star Business Shareholding Pattern

#	Sep 2017	Sep 2018	Mar 2019	Mar 2020	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	34.33	24.44	19.24	22.22	34.87	34.87	34.39	31.3	26.53	26.51
FII	0	0	0	0	6.54	6.98	8.74	50.22	54.28	56.07
DII	0	0	1.79	0	5.62	5.05	4.71	7.52	7.81	6.98
Public	65.67	75.56	78.97	77.78	52.97	53.11	52.16	10.95	11.38	10.45
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Sep 2017	Sep 2018	Mar 2019	Mar 2020	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	0.49	0.47	0.46	0.6	10.16	10.16	10.02	9.13	7.75	7.75
FII	0	0	0	0	1.91	2.03	2.55	14.65	15.86	16.4
DII	0	0	0.04	0	1.64	1.47	1.37	2.19	2.28	2.04
Public	0.94	1.45	1.89	2.11	15.43	15.47	15.2	3.2	3.32	3.05
Others	0	0	0	0	0	0	0	0	0	0
Total	1.43	1.92	2.39	2.71	29.14	29.14	29.14	29.17	29.22	29.24

Pros

Company has delivered good profit growth of 62% CAGR over last 5 years

Cons

Though the company is reporting repeated profits, it is not paying out dividend.
Promoter holding is low: 26.51%.
Stock is trading at 4.1 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.