Five Star Business Finance
Five-Star Business Finance Ltd
- P/E
- 10.61
Key Fundamentals
MicrocapFinanceFinancial ServicesPrice-based figures as of · EPS basis: Standalone · TTM
- Debt to Equity
- 1.11
- EPS (TTM)
- ₹37.44
- Book Value
- ₹267.73
- Market Cap
- —
- P/E (TTM)
- 10.61
- P/B
- 1.48
- ROE
- 16.10%
- Dividend Yield
- 0.50%
- 52W High
- ₹656.75
- 52W Low
- ₹338.15
- Day Range
- ₹386.80 – ₹399.85
- Volume
- 6,42,706
- ROCE
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
- EBITDA
- Not meaningful for a lender: the ratio describes an industrial company’s balance sheet
Peer Comparison
Financial Services › NBFC › Non Banking Financial Company (NBFC)
| ₹994.00 | 28.53 | ₹6,11,015 Cr | 5.02 | 0.62% | 18.20% | — | ₹90,331 Cr | ₹22,067 Cr | |
| ₹908.75 | 15.19 | ₹2,13,704 Cr | 1.92 | 0.73% | 16.40% | — | ₹51,877 Cr | ₹12,688 Cr | |
| ₹1,658.00 | 24.45 | ₹1,42,243 Cr | 4.10 | 0.12% | 19.40% | — | ₹32,663 Cr | ₹5,751 Cr | |
| ₹337.75 | 26.24 | ₹1,41,036 Cr | 2.93 | 0.17% | 12.40% | — | ₹32,695 Cr | ₹5,478 Cr | |
| ₹2,709.80 | 9.57 | ₹1,04,354 Cr | 2.48 | 1.19% | 30.90% | — | ₹33,431 Cr | ₹11,457 Cr | |
| ₹263.70 | 20.75 | ₹63,912 Cr | 2.26 | 1.09% | 11.20% | — | ₹18,898 Cr | ₹3,198 Cr | |
| ₹553.00 | 23.14 | ₹52,160 Cr | 3.06 | 0.47% | 14.70% | — | ₹20,063 Cr | ₹2,275 Cr | |
| Five Star Business Finance (this company) | ₹397.15 | 10.61 | ₹11,771 Cr | 1.48 | 0.50% | 16.10% | — | ₹3,260 Cr | ₹1,103 Cr |
| Median 8 companies | ₹730.88 | 21.95 | ₹1,22,695 Cr | 2.71 | 0.56% | 16.25% | — | ₹32,679 Cr | ₹5,615 Cr |
Comparable companies in the same industry. Market cap, P/E and P/B use the latest price; other metrics are as reported in filings. A dash means the figure is not published for that company.
Tapetide Score
Data-driven rating, 0–100, as of . How it works →
Overall score
Data confidence 94/100
Category scores
- Quality
- 38
- Weak
- Returns, margins, earnings quality 22% weight
- Valuation
- 61
- Good
- Cheap vs sector & own history 24% weight
- Growth
- 39
- Weak
- Sales & profit trajectory 9% weight
- Financial Health
- 55
- Average
- Solvency, leverage, coverage 9% weight
- Momentum
- 8
- Poor
- Trend strength, vol-adjusted 12% weight
- Ownership
- 60
- Good
- FII/DII/promoter flows 24% weight
The Tapetide Score is data analysis, not investment advice. Tapetide is not a SEBI-registered research analyst or investment adviser.
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: -12.7%
Technical Indicators
| Group | Signal | Bearish | Neutral | Bullish |
|---|---|---|---|---|
| Overall | Strong Bearish | 12 | 2 | 5 |
| Oscillators | Strong Bullish | 2 | 2 | 5 |
| Moving Averages | Strong Bearish | 10 | 0 | 0 |
Oscillators
Strong Bullish
Overall
Strong Bearish
Moving Averages
Strong Bearish
Key readings
- RSI (14)
- 22.60
- Bullish
- MACD (12,26,9)
- −32.37
- Bearish
- SMA (50)
- 499.83
- Bearish
- SMA (200)
- 477.98
- Bearish
As of
Analyst Rating
9 of 10 analysts rate Buy, 1 Hold, 0 Sell.
As of
Growth Rate
From the financial statements below. 5Y, 3Y: compound annual growth to Mar 2026; 1Y: fiscal year to Mar 2026 against Mar 2025; TTM: four quarters to Jun 2026 against Jun 2025.
Revenue
| 5Y | +25.11% |
|---|---|
| 3Y | +28.38% |
| 1Y | +12.99% |
| TTM | +9.84% |
Net profit
| 5Y | +25.08% |
|---|---|
| 3Y | +22.08% |
| 1Y | +2.52% |
| TTM | +1.47% |
Operating cash flow
Not meaningful
A bank's or NBFC's operating cash flow moves with deposits and loans, so its growth says little about the business.
Revenue by year
| Mar 2017 | ₹86.00 Cr |
|---|---|
| Mar 2018 | ₹196 Cr |
| Mar 2019 | ₹402 Cr |
| Mar 2020 | ₹787 Cr |
| Mar 2021 | ₹1,050 Cr |
| Mar 2022 | ₹1,254 Cr |
| Mar 2023 | ₹1,521 Cr |
| Mar 2024 | ₹2,183 Cr |
| Mar 2025 | ₹2,848 Cr |
| Mar 2026 | ₹3,218 Cr |
Net profit by year
| Mar 2017 | ₹19.00 Cr |
|---|---|
| Mar 2018 | ₹54.00 Cr |
| Mar 2019 | ₹156 Cr |
| Mar 2020 | ₹262 Cr |
| Mar 2021 | ₹359 Cr |
| Mar 2022 | ₹454 Cr |
| Mar 2023 | ₹604 Cr |
| Mar 2024 | ₹836 Cr |
| Mar 2025 | ₹1,072 Cr |
| Mar 2026 | ₹1,099 Cr |
Analyst Forecasts
AI Analysis — Bull vs Bear
Five-Star Business Finance Ltd trades at ₹448.4 as of 2026-10-23, with a market cap of ₹13,237 Cr and a P/E (TTM) of 11.98x. The company has delivered strong historical profit growth of 25% CAGR over five years, but recent TTM profit growth has decelerated sharply to 2%, and the stock is down roughly 33% from its 52-week high of ₹666.
- Strong 5-year compounded profit growth of 25% CAGR demonstrates a proven track record of earnings expansion in the small-ticket secured lending segment
- P/E (TTM) of 11.98x is modest for a financial services company with a history of mid-teens ROE, suggesting the market may be pricing in near-term headwinds
- Consistent ROE profile — 17% over 3-year, 5-year, and 10-year periods — indicates disciplined capital allocation and steady return generation
- 5-year compounded sales CAGR of 25% reflects strong loan book growth and expanding distribution reach in underserved markets
- P/B ratio of 1.79x is reasonable for a lender that has historically generated 16-17% ROE, leaving room for re-rating if profitability recovers
- Stock is trading at ₹448.4, approximately 32.7% below its 52-week high of ₹666, which may offer a better entry valuation relative to historical levels
- ROCE of 13.86% indicates the business generates returns above typical cost of borrowing for well-rated NBFCs, supporting economic value creation
- TTM profit growth has decelerated sharply to just 2%, down from a 3-year CAGR of 22%, signaling potential stress in asset quality or margin compression
- Promoter holding is low at 18.6% and has declined by 12.7 percentage points over the last three years, raising governance and alignment concerns
- Stock price CAGR is -4% over 1 year and -12% over 3 years, indicating sustained underperformance and negative investor sentiment
- TTM revenue growth has slowed to 10% versus a 3-year CAGR of 28%, suggesting loan book growth or yield expansion may be plateauing
- Current ROE of 9.3% (trailing) is well below the historical average of 16-17%, pointing to a meaningful deterioration in return efficiency
- Dividend yield of 0.42% provides minimal income cushion for investors during a period of capital depreciation
- The stock has fallen approximately 32.7% from its 52-week high of ₹666 to ₹448.4, reflecting a significant loss of market confidence that may take time to reverse
- As a small-ticket NBFC focused on self-employed borrowers, the company faces elevated credit risk during economic slowdowns, which may explain the trailing ROE compression to 9.3%
This is AI-generated analysis, not financial advice. Do your own due diligence.
AI News Digest
TL;DR: Limited news flow for Five-Star Business Finance this period, with only a routine investor meeting announced. No material headwinds or positive catalysts identified. The lack of negative news is neutral, but investors should watch for updates from the September 25 meeting for any forward guidance or operational commentary.
- Investor meet with InCred AMC Sep 22
Five-Star Business Finance scheduled a virtual investor meeting with InCred AMC on September 25, 2026, covering publicly available information per SEBI LODR regulations.
Quarterly Results
₹ Cr| 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 (₹) | 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
₹ Cr| 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 (₹) | 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% | 5% | — |
Balance Sheet
₹ Cr| 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
₹ Cr| 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
Log in to view Five Star Business Finance insights
56 extracted metrics across FY17–FY27.
Documents
- Q1 FY27 concall · Jul 2026Transcript PPT Recording
- Q4 FY26 concall · May 2026Transcript PPT Recording
- Q3 FY26 concall · Feb 2026Transcript PPT Recording
- Q2 FY26 concall · Nov 2025Transcript PPT Recording
- 1 Sep 2026
- 2 Jul 2026
- 27 Mar 2026
- 2 Sep 2025
- 5 Jun 2025
- General announcements 26 Oct 2026
Frequently Asked Questions about Five Star Business Finance
What does Five-Star Business Finance Ltd do?
Where is Five-Star Business Finance Ltd (FIVESTAR) listed?
Which sector does Five-Star Business Finance Ltd belong to?
What is the PE ratio of Five-Star Business Finance Ltd?
What is the 52-week high and low of Five-Star Business Finance Ltd?
Does Five-Star Business Finance Ltd pay dividends?
What is the Return on Equity (ROE) of Five-Star Business Finance Ltd?
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.
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