Five-Star Business Finance Ltd logo

Five-Star Business Finance Ltd

FIVESTAR NSE

Key Fundamentals

SmallcapNBFCFinancial Services
Market Cap
₹15,931 Cr
Volatility
Moderate
P/E Ratio
14.7
EBITDA
₹139 Cr
Return on Equity
9.3%
Debt to Equity
0.76
Book Value
₹249.95
EPS
₹30.9
52W High
₹666
52W Low
₹338.15

Insights

Beta

AI-extracted from concalls & annual reports · figures as reported, with sources

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38 extracted metrics + investor summaries across FY17–FY26.

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Tapetide Score

Data-driven rating, 0–100. How it works →

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: -15.8%

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% ↗

AI Analysis — Bull vs Bear

Anthropic anthropic claude-opus-4.6 2d ago
AI opinion · based on fundamentals
Risk medium

Five-Star Business Finance is a secured small-business lending NBFC with a market cap of ₹16,102 crore trading at a P/E of 14.8x and P/B of 2.22x. The company delivered 23% AUM growth in FY25 to ₹11,877 crore and 28% PAT growth to ₹1,073 crore, though recent quarters show profit growth moderating to single digits and promoter holding declining to 18.6%.

Bull Case 8
  • Strong AUM growth of 23.2% YoY in FY25 to ₹11,877 crore with management guiding 25% AUM growth for FY26
  • FY25 PAT grew 28% YoY to ₹1,073 crore, with 5-year profit CAGR of 25.1%
  • High net interest margin of ~18.5% as a percentage of AUM, significantly above secured lending industry benchmarks
  • ROA guided at 7.5-8% and ROE consistently around 16-17% over 3, 5, and 10-year periods indicating capital-efficient compounding
  • Reasonable valuation at P/E of 14.8x and P/B of 2.22x for a high-growth NBFC with 25% profit CAGR track record
  • Gross NPA contained at 1.47% with net NPA at 0.71% as of September 2024, supported by secured collateral-backed lending model
  • Extensive branch network of 748 branches with 0.46 million active loans, serving underbanked micro-entrepreneurs in rural and semi-urban India
  • Company initiated dividend payout in FY25 with current yield of 0.36%, signaling confidence in sustained cash generation
Bear Case 8
  • Promoter holding is low at 18.6% and has declined by 15.8 percentage points over the last 3 years, raising governance and overhang concerns
  • TTM profit growth has sharply decelerated to just 2% versus the 5-year CAGR of 25%, indicating potential earnings plateau
  • Stock price CAGR is negative at -4% over 1 year and -11% over 3 years, reflecting sustained market de-rating
  • NIM compression of 42 bps YoY to 18.47% with management expecting further decline to 15-16% steady state over 2-3 years, pressuring profitability
  • Revenue growth has decelerated from 28% 3-year CAGR to 10% TTM, suggesting AUM growth is not fully translating to top-line momentum
  • FY26 earnings growth guided at only 12-15% due to full impact of lower yields, a significant step-down from historical growth rates
  • Collection efficiency marginally dipped to 97.9% in Q1 FY27 from 98.1% in Q4 FY26, and 30+ DPD book stood at 12.38%, warranting monitoring
  • Concentrated exposure to small-ticket secured lending in rural and semi-urban India exposes the portfolio to regional disruptions and climate events

This is AI-generated analysis, not financial advice. Do your own due diligence.

AI News Digest

Anthropic anthropic claude-opus-4.6 2h ago
Positives 3
  • Q1FY27 net profit ₹271.4 Cr Jul 25

    Five-Star Business Finance reported Q1FY27 net profit of ₹271.4 crore, up 1.9% YoY, demonstrating continued profitability growth.

  • ₹2/share final dividend declared Aug 5

    Board recommends final dividend of ₹2 per share for FY26, with record date July 31, 2026 and AGM scheduled August 31, 2026.

  • BRSR report filed for FY26 Aug 6

    Company submitted its Business Responsibility and Sustainability Report for FY25-26, disclosing ESG metrics, workforce data, and environmental footprint.

Neutral 7
  • ₹54.44 Cr block trade at ₹530 Jul 24

    A block trade of approximately 10.27 lakh shares worth ₹54.44 crore executed on BSE at ₹530 per share, indicating institutional-level activity.

  • New independent director appointed Jul 25

    Sreeram Ranganathan Iyer appointed as Non-Executive Independent Director for five years effective July 25, 2026, subject to shareholder approval.

  • Anand Raghavan exits board Jul 27

    Independent Director Anand Raghavan ceased his role on July 27, 2026, after completing his second five-year term per SEBI regulations.

  • Joint statutory auditor proposed Jul 25

    M/s Suri & Co proposed as Joint Statutory Auditors for three years from the 42nd AGM, in compliance with RBI joint audit guidelines.

  • CCO tenure extended three years Jul 25

    R. Vijayaraghavan's tenure as Chief Compliance Officer extended for three years starting October 1, 2026, following Board approval.

  • Investor meets with institutions Jul 29

    Virtual investor meetings scheduled with Sameeksha Capital (Aug 6) and Schroders (Aug 4), covering publicly available information.

  • Q1FY27 earnings call recording live Jul 27

    Audio recording of the Q1FY27 earnings conference call for quarter ended June 30, 2026, made available on company website.

TL;DR: Five-Star Business Finance is delivering steady profitability with Q1FY27 net profit up 1.9% YoY at ₹271.4 crore, and rewarding shareholders with a ₹2/share dividend. No material headwinds emerged in the recent news cycle. Governance actions like board refreshment and auditor appointments reflect regulatory compliance. The trend is stable with institutional interest evident from block trades and scheduled investor meetings.

Quarterly Results

  Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 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%
Figures in ₹ Crores

Profit & Loss

  Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
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%
—
Figures in ₹ Crores

Balance Sheet

  Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Cash Flow

  Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 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
Figures in ₹ Crores

Ratios

  Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %
9%
13%
16%
16%
17%
15%
15%
18%
19%
16%

Shareholding Pattern

As of Jun 2026
FIIs 43.97%
DIIs 22.35%
Promoters 18.61%
Public 9.82%
Others 5.25%
Total 100.00%
  Nov 2021Nov 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters
44.31%
34.87%
34.87%
34.87%
34.39%
31.30%
26.53%
26.51%
26.51%
21.59%
21.55%
21.47%
21.47%
18.57%
18.56%
18.61%
18.61%
FIIs
0.00%
0.00%
0.00%
0.00%
0.00%
50.22%
54.28%
56.07%
57.45%
56.70%
57.75%
58.75%
58.12%
55.81%
52.94%
48.47%
43.97%
DIIs
0.00%
2.10%
5.62%
5.05%
1.90%
7.52%
7.81%
6.98%
6.07%
8.99%
10.11%
9.09%
9.48%
12.17%
14.73%
17.58%
22.35%
Government
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
0.00%
Public
0.00%
6.02%
6.21%
5.31%
5.46%
6.28%
6.63%
5.92%
5.56%
7.01%
5.95%
5.98%
6.13%
9.47%
9.04%
10.17%
9.82%
Others
55.69%
57.00%
53.30%
54.77%
58.24%
4.67%
4.74%
4.53%
4.40%
5.71%
4.64%
4.71%
4.80%
3.99%
4.72%
5.17%
5.25%
No. of Shareholders
0
1,687
3,078
26,481
30,655
40,121
51,906
50,442
48,897
58,902
71,229
76,899
69,039
94,108
91,561
97,128
1,02,270

Documents

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 NBFC 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 ₹15930.85 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 14.70. 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 ₹666. 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 0.37%. 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

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