Five-Star Business Finance Ltd
FIVESTAR NSE
Five-Star Business Finance Ltd
Financial ServicesNSE: FIVESTAR BSE: 543663 Finance
Key Fundamentals
MicrocapNBFCFinancial ServicesMarket Cap
₹12,781 Cr
Volatility
Moderate
P/E Ratio
11.71
EBITDA
₹139 Cr
Return on Equity
9.3%
Debt to Equity
0.76
Book Value
₹250.03
EPS
₹30.9
52W High
₹828
52W Low
₹338.15
Technical Indicators
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: -16.3%
Growth Rate
Revenue Growth
141.85% ↗
Net Income Growth
184.69% ↗
Cash Flow Change
-99.70% ↘
ROE
6.65% ↗
ROCE
41.72% ↗
EBITDA Margin (Avg.)
2.76% ↗
Quarterly Results
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 436 | 480 | 519 | 567 | 616 | 666 | 702 | 727 | 752 | 787 | 799 | 815 | 817 |
| Expenses | 133 | 137 | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 | 236 | 255 | 277 |
| Financing Profit | 226 | 248 | 269 | 294 | 318 | 339 | 361 | 370 | 373 | 359 | 384 | 371 | 358 |
| Fin. Margin % | 52% | 52% | 52% | 52% | 52% | 51% | 51% | 51% | 50% | 46% | 48% | 46% | 44% |
| Other Income | 4 | 3 | 4 | 3 | 3 | 3 | 4 | 4 | 7 | 5 | 7 | 7 | 9 |
| Interest | 77 | 96 | 106 | 129 | 138 | 158 | 163 | 171 | 175 | 187 | 180 | 189 | 181 |
| Depreciation | 5 | 5 | 6 | 7 | 7 | 6 | 7 | 8 | 9 | 8 | 9 | 10 | 10 |
| PBT | 224 | 246 | 267 | 290 | 313 | 336 | 358 | 365 | 371 | 355 | 382 | 369 | 357 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% |
| Net Profit | 169 | 184 | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 | 286 | 277 | 269 |
| EPS in Rs | 5.8 | 6.3 | 6.84 | 7.42 | 8.07 | 8.6 | 9.16 | 9.33 | 9.48 | 9.04 | 9.72 | 9.41 | 9.12 |
| Gross NPA % | — | — | — | — | — | — | 1.47% | 1.62% | 1.79% | 2.46% | 2.64% | 3.18% | — |
| Net NPA % | — | — | — | — | — | — | 0.71% | 0.81% | — | 1.25% | 1.46% | 1.94% | — |
Profit & Loss
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 86 | 196 | 402 | 787 | 1,050 | 1,254 | 1,521 | 2,183 | 2,848 | 3,218 |
| Expenses | 30 | 64 | 107 | 210 | 237 | 337 | 439 | 582 | 733 | 1,009 |
| Financing Profit | 31 | 78 | 221 | 359 | 486 | 614 | 814 | 1,128 | 1,443 | 1,472 |
| Fin. Margin % | 37% | 40% | 55% | 46% | 46% | 49% | 54% | 52% | 51% | 46% |
| Other Income | 0 | 1 | 1 | 1 | 1 | 2 | 8 | 12 | 18 | 28 |
| Interest | 24 | 55 | 73 | 218 | 327 | 302 | 268 | 472 | 672 | 737 |
| Depreciation | 1 | 3 | 4 | 10 | 11 | 12 | 17 | 25 | 30 | 37 |
| PBT | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1,116 | 1,431 | 1,463 |
| 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 |
| EPS in Rs | 13.58 | 28.3 | 65.4 | 104 | 142 | 15.57 | 20.71 | 28.58 | 36.43 | 37.22 |
| Div. Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 5% | 5% |
Balance Sheet
| 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
| 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 | -585 | 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 | -37 | 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
| 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% |
Documents
1
Compliances-Reg.24(A)-Annual Secretarial Compliance
14h - Annual Secretarial Compliance Report for FY2026 filed; no non-compliances observed. 14h - Annual Secretarial Compliance Report for FY2026 filed; no non-compliances observed.
2
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
9h - Of Schedule of Investor/Analyst meetings under the SEBI (LODR), Regulations 2015 9h - Of Schedule of Investor/Analyst meetings under the SEBI (LODR), Regulations 2015
3
Approval Of Amendment To Code Of Fair Disclosure Under SEBI (Prohibition Of Insider Trading) Regulations 2015
28 Apr - Board approved amendments to Fair Disclosure Code under PIT regulations on April 28, 2026. 28 Apr - Board approved amendments to Fair Disclosure Code under PIT regulations on April 28, 2026.
4
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
29 Apr - Audio recording of Q4 and FY26 earnings call made available on website on April 29, 2026. 29 Apr - Audio recording of Q4 and FY26 earnings call made available on website on April 29, 2026.
5
Announcement under Regulation 30 (LODR)-Newspaper Publication
29 Apr - Newspaper Publication - Audited Financial Results for quarter and year ended March 31, 2026 29 Apr - Newspaper Publication - Audited Financial Results for quarter and year ended March 31, 2026
Frequently Asked Questions about Five-Star Business Finance Ltd
What does Five-Star Business Finance Ltd do?
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]
Where is Five-Star Business Finance Ltd (FIVESTAR) listed?
Five-Star Business Finance Ltd is listed on the Indian stock exchanges. It is listed on NSE: FIVESTAR and BSE: 543663. You can view its live share price, financials, and ratios on Tapetide.
Which sector does Five-Star Business Finance Ltd belong to?
Five-Star Business Finance Ltd operates in the Financial Services sector within the Finance industry. Sector classification helps investors compare companies affected by similar economic conditions and regulatory changes.
What is the market capitalisation of Five-Star Business Finance Ltd?
Five-Star Business Finance Ltd has a market capitalisation of approximately ₹12781.23 Cr. Based on this, it is classified as a Mid Cap stock.
What is the PE ratio of Five-Star Business Finance Ltd?
The Price-to-Earnings (PE) ratio of Five-Star Business Finance Ltd is 11.71. The PE ratio compares a company's share price to its earnings per share and is commonly used to assess whether a stock is overvalued or undervalued relative to its peers.
What is the 52-week high and low of Five-Star Business Finance Ltd?
Over the past 52 weeks, Five-Star Business Finance Ltd has traded between a low of ₹338.15 and a high of ₹828. This range helps investors understand the stock's price volatility and recent trading levels.
Does Five-Star Business Finance Ltd pay dividends?
Yes, Five-Star Business Finance Ltd has a dividend yield of 0.46%. Dividend yield indicates the annual dividend income relative to the share price. A consistent dividend history can signal financial stability.
What is the Return on Equity (ROE) of Five-Star Business Finance Ltd?
Five-Star Business Finance Ltd has a Return on Equity (ROE) of 9.30%. ROE measures how effectively a company uses shareholders' equity to generate profits. A higher ROE generally indicates better capital efficiency.
How can I research Five-Star Business Finance Ltd on Tapetide?
On Tapetide, you can view Five-Star Business Finance Ltd's live share price, quarterly results, profit & loss statements, balance sheet, cash flow, key ratios, shareholding pattern, technical indicators, analyst ratings, and forecasts — all on a single page without needing to sign up.
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]
Website fivestargroup.in
CEO Mr. Lakshmipathy Deenadayalan
Employees 11,929
Listed 2022-11-21
Face Value ₹ 1
Issued Size 29,45,33,548