Five Star Business Finance
Five Star Business Finance
Financial ServicesKey Fundamentals
SmallcapNBFCFinancial ServicesTapetide Score
Data-driven rating, 0–100. How it works →
Key Insights
Strengths
1- Company has delivered good profit growth of 25.1% CAGR over last 5 years
Weaknesses
2- Promoter holding is low: 18.6%
- Promoter holding has decreased over last 3 years: -15.8%
Growth Rate
AI Analysis — Bull vs Bear
anthropic claude-opus-4.6 2d agoFive-Star Business Finance Ltd is a small-finance NBFC with a market cap of ₹15,701 Cr trading at a P/E of 14.2x and P/B of 2.12x. The company delivered 25% compounded profit growth over 5 years but recent momentum has slowed sharply to 2% TTM profit growth and 10% TTM sales growth, while promoter holding stands low at 18.6% after a 15.8% decline over three years.
- Strong 5-year compounded profit CAGR of 25%, indicating a proven track record of earnings growth
- 5-year compounded sales CAGR of 25% reflects sustained business expansion over a meaningful period
- Consistent ROE of ~17% over 3, 5, and 10-year periods demonstrates disciplined capital allocation and steady return generation
- P/E of 14.2x is modest for a financial services company that has historically grown profits at 25% CAGR, suggesting potential value
- 3-year compounded profit growth of 22% indicates that even medium-term earnings trajectory has been healthy
- 3-year compounded sales growth of 28% actually exceeds the 5-year rate, suggesting the core lending franchise has been accelerating
- Dividend yield of 0.38% signals the company has begun returning cash to shareholders while still in a growth phase
- TTM profit growth has decelerated sharply to just 2%, a steep drop from the 5-year CAGR of 25%, raising questions about earnings sustainability
- Promoter holding at 18.6% is notably low, which can signal weaker alignment of promoter interests with minority shareholders
- Promoter holding has declined by 15.8 percentage points over three years, indicating significant dilution or stake sale by promoters
- TTM sales growth has slowed to 10% versus the 3-year CAGR of 28%, suggesting a meaningful deceleration in loan book expansion
- Stock price CAGR of -8% over 3 years indicates the market has de-rated the stock despite historical profit growth
- 1-year stock return of 0% shows continued lack of price momentum even in a generally buoyant Indian market
- Last year ROE dipped to 16% from the longer-term average of 17%, a small but directionally negative shift that aligns with the profit slowdown
- As an NBFC in the secured lending space, the company faces regulatory and asset quality risks that are harder to assess without disclosed debt-to-equity and detailed NPA data
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
anthropic claude-opus-4.6 2h ago- ₹13,000cr borrowing limit approved Aug 31
Shareholders approved a ₹13,000 crore borrowing limit and ₹5,000 crore NCD issuance at the 42nd AGM, expanding the company's funding headroom for growth.
- ₹2/share final dividend declared Aug 31
Five-Star declared a final dividend of ₹2 per share for FY26, signaling confidence in profitability and commitment to shareholder returns.
- Active institutional investor engagement Sep 4
The company scheduled multiple investor meets in early September with Franklin Templeton, Fidelity, Dolat Capital, and New Mark Capital, indicating strong institutional interest.
- Analyst meet on Sep 9 Sep 8
Five-Star scheduled an analyst and investor meeting on September 9 with no specific agenda or venue details disclosed.
- Fidelity analyst meet Sep 8 Sep 4
A physical meeting with Fidelity analysts was scheduled for September 8 to discuss publicly available information only.
- New Mark Capital meet Sep 3 Sep 2
Five-Star planned a physical meeting with New Mark Capital on September 3 under SEBI LODR norms, with the investor presentation available online.
TL;DR: Five-Star Business Finance is showing strong institutional engagement with a flurry of investor meetings involving marquee names like Franklin Templeton and Fidelity. The AGM approval of a ₹13,000 crore borrowing limit and ₹5,000 crore NCD issuance signals an intent to scale lending operations, while the ₹2/share dividend reflects healthy profitability. No headwinds are visible in recent news flow. The trend is stable-to-positive, with the enhanced borrowing capacity likely to support near-term growth if deployed efficiently.
Quarterly Results
| Particulars | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 480 | 519 | 567 | 616 | 666 | 702 | 727 | 752 | 787 | 799 | 815 | 817 | 829 |
| Expenses | 137 | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 | 236 | 255 | 277 | 296 |
| Financing Profit | 248 | 269 | 294 | 318 | 339 | 361 | 370 | 373 | 359 | 384 | 371 | 358 | 361 |
| Fin. Margin % | 52% | 52% | 52% | 52% | 51% | 51% | 51% | 50% | 46% | 48% | 46% | 44% | 44% |
| Other Income | 3 | 4 | 3 | 3 | 3 | 4 | 4 | 7 | 5 | 7 | 7 | 9 | 10 |
| Interest | 96 | 106 | 129 | 138 | 158 | 163 | 171 | 175 | 187 | 180 | 189 | 181 | 172 |
| Depreciation | 5 | 6 | 7 | 7 | 6 | 7 | 8 | 9 | 8 | 9 | 10 | 10 | 9 |
| PBT | 246 | 267 | 290 | 313 | 336 | 358 | 365 | 371 | 355 | 382 | 369 | 357 | 362 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% |
| Net Profit | 184 | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 | 286 | 277 | 269 | 271 |
| EPS in Rs | 6.3 | 6.84 | 7.42 | 8.07 | 8.6 | 9.16 | 9.33 | 9.48 | 9.04 | 9.72 | 9.41 | 9.12 | 9.19 |
| Gross NPA % | — | — | — | — | — | 1.47% | 1.62% | 1.79% | 2.46% | 2.64% | 3.18% | 3.37% | 3.46% |
| Net NPA % | — | — | — | — | — | 0.71% | 0.81% | 0.88% | 1.25% | 1.46% | 1.94% | 2% | 2.1% |
Profit & Loss
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 86 | 196 | 402 | 787 | 1,050 | 1,254 | 1,521 | 2,183 | 2,848 | 3,218 | 3,260 |
| Expenses | 30 | 64 | 107 | 210 | 237 | 337 | 439 | 582 | 733 | 1,004 | 1,064 |
| Financing Profit | 31 | 78 | 221 | 359 | 486 | 614 | 814 | 1,128 | 1,443 | 1,472 | 1,475 |
| Fin. Margin % | 37% | 40% | 55% | 46% | 46% | 49% | 54% | 52% | 51% | 46% | 45% |
| Other Income | 0 | 1 | 1 | 1 | 1 | 2 | 8 | 12 | 18 | 28 | 33 |
| Interest | 24 | 55 | 73 | 218 | 327 | 302 | 268 | 472 | 672 | 742 | 721 |
| Depreciation | 1 | 3 | 4 | 10 | 11 | 12 | 17 | 25 | 30 | 37 | 38 |
| PBT | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1,116 | 1,431 | 1,463 | 1,470 |
| Tax % | 37% | 28% | 28% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | — |
| Net Profit | 19 | 54 | 156 | 262 | 359 | 454 | 604 | 836 | 1,072 | 1,099 | 1,104 |
| EPS in Rs | 13.58 | 28.3 | 65.4 | 104 | 142 | 15.57 | 20.71 | 28.58 | 36.43 | 37.22 | 37.44 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 5% | 0% | — |
Balance Sheet
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 14 | 19 | 24 | 26 | 26 | 29 | 29 | 29 | 29 | 30 |
| Reserves | 210 | 573 | 1,341 | 1,919 | 2,293 | 3,681 | 4,310 | 5,167 | 6,275 | 7,351 |
| Borrowing | 452 | 528 | 922 | 2,364 | 3,425 | 2,559 | 4,247 | 6,316 | 7,922 | 8,200 |
| Other Liabilities | 14 | 14 | 31 | 45 | 50 | 74 | 116 | 177 | 194 | 209 |
| Total Liabilities | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 | 15,790 |
| Fixed Assets | 5 | 0 | 10 | 28 | 25 | 33 | 45 | 64 | 86 | 88 |
| CWIP | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 62 | 72 |
| Investments | 15 | 15 | 15 | 0 | 0 | 248 | 145 | 108 | 212 | 227 |
| Other Assets | 669 | 1,119 | 2,293 | 4,325 | 5,769 | 6,062 | 8,513 | 11,517 | 14,060 | 15,402 |
| Total Assets | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 | 15,790 |
Cash Flow
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating | — | -457 | -940 | -1,523 | -157 | -277 | -1,123 | -2,122 | -1,045 | -264 |
| Investing | — | 10 | 14 | -132 | 102 | -384 | 162 | 210 | -586 | 228 |
| Financing | — | 393 | 1,010 | 1,725 | 1,033 | 7 | 1,688 | 2,106 | 1,593 | 157 |
| Net Cash Flow | — | -53 | 84 | 70 | 977 | -654 | 727 | 194 | -38 | 121 |
| Free Cash Flow | — | -461 | -946 | -1,533 | -160 | -286 | -1,135 | -2,145 | -1,128 | -290 |
| CFO/OP | — | -323 | -296 | -246 | -3 | -13 | -85 | -115 | -31 | 5 |
Ratios
| Particulars | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 9% | 13% | 16% | 16% | 17% | 15% | 15% | 18% | 19% | 16% |
Insights
BetaAI-extracted from concalls & annual reports · figures as reported, with sources
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47 extracted metrics + investor summaries across FY17–FY27.
Documents
Frequently Asked Questions about Five Star Business Finance
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Company Information
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]
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