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15 Days Price Change

Five Star Business IPO

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WEBSITE Inc. Year: 1984 Industry: Finance - NBFC Listed Page

Profile
Issue Size --
Profile
Price Range 450  to  474 per share
Profile
Min Investment ₹474
Profile
Lot Size 1
Profile
Face Value ₹1
Profile
Draft Prospectus
Invest Before the IPO Goes Live

Buy unlisted shares early and participate in the growth before public listing.

Profile
  • Basic Info
  • IPO Tentative Timetable
  • IPO Lot Size
  • Subscription Status
  • Financials
  • Profit & Loss
  • Balance Sheet
  • Cash Flow
  • Ratios
  • Growth Rates
  • Other info

Overview

Incorporated in 1982, Five Star Business Finance Limited is a registered Non-Banking Finance Company with the Reserve Bank of India (RBI). It is a Chennai-based company that is specialized in offering loans to micro-entrepreneurs and self-employed individuals. The company focuses on unbanked and under-served customers in the urban and semi-urban locations of India. They provide financial services and products such as business, housing, and mortgage loans, long tenure loans, cashflow-based appraisal, and documentation services. The company has a network of 268 branches spread across 126 districts, and eight states. Read More

Basic Info

Face Value 1 per share

Price 450  to  474 per share

P/E (x) 13

Sales( Cr.) 2848

PAT( Cr.) 1072

EPS 36.6

Draft Prospectus

Exchange BSE-NSE

Promoter

Company Promoters

Lakshmipathy Deenadayalan Hema Lakshmipathy Shritha Lakshmipathy

Pre Issue Share Holding 40.07%

Post Issue Share Holding 33.65%

Listing Details:

Listing Price: 449.95

Listing Gain: -5.35%

Current Price: 445.2

Gain On Issue: 445.2 | 0%

GMP: --

GMP %: -- %

IPO Tentative Timetable

Opening Date Nov 09, 2022
Closing Date Nov 11, 2022
Allotment Nov 14, 2022
Refund Nov 15, 2022
Delivery of Shares Nov 15, 2022
Listing Date Nov 16, 2022

IPO Lot Size

Application Lots Shares Amount
Retail (Min) 1 31 14,694
Retail (Max) 13 403 191,022
S-HNI (Min) 14 434 205,716
S-HNI (Max) 68 2108 999,192
B-HNI (Min) 69 2139 1,013,886

Objective of the Issue

The Company will not receive any proceeds from the Offer and all such proceeds will go to the Selling Shareholders.

Issue

Category Nos Bid Bid (x)
QIB 16808531 29751100 1.8x
NII 5042559 3075961 0.6x
Retail 11765971 1294257 0.1x
EMP 0 0 0x
Total 33617061 23531943 0.7x

Net Sales (in cr.)

Total Income (in cr.)

Operating Profit (in cr.)

Net Profit (in cr.)

Shareholder Funds (in cr.)

Total Assets (in cr.)

Five Star Business Profit & Loss

#(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
Other Income 1 1 3 1 0 1 2 2 8 12 18
Total Income 34 47 86 197 409 787 1051 1256 1529 2195 2866
Total Expenditure 8 12 30 64 110 210 237 337 439 582 733
Operating Profit 26 35 55 133 299 578 814 919 1090 1613 2133
Interest Expense 10 14 24 55 76 218 327 302 268 472 672
Depreciation 0 1 1 3 4 10 11 12 17 25 30
Profit Before Tax 15 20 31 76 218 349 476 604 805 1116 1431
Provision for Tax 5 7 11 21 62 87 117 151 201 280 358
Profit After Tax 10 13 19 54 157 262 359 454 603 836 1072
Adjustments 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
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

Five Star Business Balance Sheet

#(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

Five Star Business Cash Flow

#(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

Five Star Business Ratios

# 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

Sihora Industries Growth Rates

# 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 -35% -6% NA% NA%
ROE Average 19% 17% 17% 16%
ROCE Average 16% 16% 16% 16%

Company Contact Information

Five-Star Business Finance Ltd.

New No 27, Old No 4, Taylor’s Road Kilpauk

IPO Lead Manager(s)

Five-Star Business Finance Ltd.

ICICI Securities Ltd

Kotak Mahindra Capital Co Ltd

Nomura Financial Advisory & Securities (India) Pvt Ltd.

Edelweiss Financial Services Ltd

Registrar Info

Five-Star Business Finance Ltd.

Frequently Asked Questions

All You Need To Know About IPO

When you leave without vesting, generally unvested ESOPs are cancelled. Vested ESOPs usually can be exercised after you depart, often within 3 to 6 months, depending on the company's ESOP plan.

For companies listed on a stock exchange, you can sell the shares any time after you exercise the ESOP option and the shares are in your demat account. If the company is unlisted or otherwise a startup, you can only sell the shares if and when the company announces a buyback or has a process for secondary sales.

Whenever you exercised your options to hold shares, you entered into a market risk situation, and if the valuation of the company drops, so do the shares.

Yes. ESOPs are valuable to the employer in that the employer is able to retain the best talent, align employee interests with company goals, and preserve cash while rewarding performance.

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