Five Star Business Finance logo

Five Star Business Finance

FIVESTAR NSE

Key Fundamentals

SmallcapNBFCFinancial Services
Market Cap
₹14,826 Cr
P/E (TTM)
13.41
EBITDA
₹139 Cr
Return on Equity
9.3%
Debt to Equity
0.76
Book Value
₹249.94
EPS (TTM)
₹37.44
52W High
₹666.00
52W Low
₹338.15

Price-based figures as of 9 Oct 2026, 3:50 pm IST · EPS basis: Standalone · TTM

Tapetide 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: -12.7%

Growth Rate

Revenue Growth
142% higher than 3Y
Net Income Growth
185% higher than 3Y
Cash Flow Change
-99.7% higher than 3Y
EBITDA Margin (Avg.)
2.76%

AI Analysis — Bull vs Bear

Figures as of 1 Oct 2026
AI opinion · based on fundamentals
Risk medium

As of the 2026-10-01 close, Five-Star Business Finance trades at Rs 506.25, giving it a market cap of Rs 14,944.28 Cr, a TTM P/E of 13.52 and a P/B of 2.03. The stock is about 24% below its 52-week high of Rs 666. Over 5 years, sales grew at a 25% CAGR and profit at a 25% CAGR, but TTM growth has slowed to 10% for sales and 2% for profit. The stock has returned -5% over 1 year and -11% CAGR over 3 years. Promoter holding is 18.6%, down 12.7 percentage points over 3 years.

Bull Case 7
  • Profit has compounded at 25.1% CAGR over 5 years and 22% over 3 years. That shows the company has scaled earnings over a multi-year period.
  • Sales grew at a 28% CAGR over 3 years and a 25% CAGR over 5 years, a record of strong loan-book-driven revenue expansion.
  • ROE has stayed steady at 17% on 3-year, 5-year and 10-year averages, with 16% last year, which points to consistent returns on equity over time.
  • The TTM P/E of 13.52 on EPS of Rs 37.44 is a lower multiple than its historical growth rates might suggest. The 3-year stock CAGR of -11%, during a period when profit compounded at 22%, shows the valuation has de-rated considerably.
  • At Rs 506.25, the stock is about 24% below its 52-week high of Rs 666, which some investors may see as a lower entry point than the recent peak.
  • ROCE of 13.86% shows reasonable returns on capital employed for a lending business.
  • The P/B of 2.03 implies a book value of roughly Rs 249 per share. That is a moderate premium to book for a lender with a history of mid-to-high-teens ROE.
Bear Case 8
  • TTM profit growth has slowed to 2%, far below the 22% 3-year and 25% 5-year CAGRs. This sharp slowdown could mean the high-growth phase is fading.
  • TTM sales growth of 10% is well below the 28% 3-year CAGR, which suggests loan growth or yields are moderating.
  • The headline ROE of 9.3% is well below the 16% last-year figure and the 17% multi-year average. If it reflects current performance, return ratios have fallen materially. It may instead be a difference in how the data source defines ROE, so it is worth verifying.
  • Promoter holding is low at 18.6% and has fallen 12.7 percentage points over 3 years. That could reduce alignment and has added supply overhang from stake sales.
  • Shareholder returns have been negative: -5% over 1 year and -11% CAGR over 3 years, even while reported profits grew.
  • The dividend yield is low at 0.39%, so investors get little income while waiting for growth to recover.
  • Debt-to-equity is not available (null). For a lender, leverage and funding costs are central risks, and this data gap limits how well balance-sheet risk can be judged from these figures alone.
  • The 52-week range of Rs 338.15 to Rs 666 is wide, and the current price is about 50% above the low. That points to high price volatility.

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

AI News Digest

1d ago
Headwinds 2
  • Borrower overleveraging hurt collections Sep 15

    Motilal Oswal said the broader overleverage cycle hit Five-Star's secured customer base and weakened collections. That pushed management to shift focus from growth to collections and portfolio quality.

  • Regulatory tightening, Karnataka ordinance Sep 15

    After strong growth in the early post-IPO period, regulatory tightening and the Karnataka ordinance slowed business momentum. Motilal Oswal noted the ordinance itself had only a limited direct impact on the portfolio.

Positives 3
  • Motilal Oswal Buy, ₹685 target Sep 15

    In a report dated Sep 11, 2026, Motilal Oswal kept its Buy rating with a ₹685 target, based on 2x Mar'28E P/BV. The stock trades at 1.9x FY27E P/BV.

  • Operating trends improving over 3-6 months Sep 15

    Joint MD and CFO Srikanth G pointed to slippages moderating and disbursement momentum picking up over the past 3-6 months. Motilal Oswal sees this as visible signs of recovery.

  • Projected 25% AUM CAGR Sep 15

    Motilal Oswal projects AUM/PAT CAGR of about 25%/15% over FY26-28E. It expects RoA/RoE of 6.6%/16% in FY28E.

Neutral 3
  • Meetings with large global investors Sep 22

    Five-Star has scheduled meetings with Pictet Group (physical) and Millenium Partners (virtual) on Sep 22, InCred AMC on Sep 25, and Capital Group on Sep 29, 2026. All discussions are limited to publicly available information under SEBI LODR.

  • Citi India Financials Forum group meet Sep 18

    The company will hold a virtual group meeting with investors and analysts on Sep 23, 2026, as part of Citi's 2026 India Financials Investor Forum.

  • One-on-ones with Schonfeld, Burman Capital Sep 15

    Virtual one-on-one meetings are set with Schonfeld Strategic on Sep 16 and Burman Capital on Sep 18, 2026, under Regulation 30 of SEBI LODR. The investor presentation has been on the company website since Jul 25, 2026.

TL;DR: Five-Star Business Finance looks to be coming out of a tough stretch. Over the past 3-6 months, slippages have moderated and disbursements have improved, and Motilal Oswal kept its Buy rating with a ₹685 target (2x Mar'28E P/BV), projecting about 25% AUM CAGR. The main risks are still borrower overleveraging in its secured customer base and regulatory pressure on small-ticket lenders, both of which hurt collections earlier. The trend is improving, and the busy run of meetings with investors like Capital Group, Pictet and Citi's forum participants suggests institutional interest is growing; whether the recovery holds will depend on how asset quality and disbursements trend in the next few quarters.

Quarterly Results

Particulars 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

Particulars 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%
5%
—
Figures in ₹ Crores

Balance Sheet

Particulars 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

Particulars 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

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

Insights

Beta

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

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Shareholding Pattern

Others5.25%FIIs43.97%Public9.82%Promot.18.61%DIIs22.35%As ofJun 2026

Documents

Frequently Asked Questions about Five Star Business Finance

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 trades as FIVESTAR on the NSE and under code 543663 on the BSE.
Which sector does Five-Star Business Finance Ltd belong to?
Five-Star Business Finance Ltd is classified under the Financial Services sector, in the NBFC industry.
What is the market capitalisation of Five-Star Business Finance Ltd?
Five-Star Business Finance Ltd has a market capitalisation of ₹14,826 Cr as of 9 Oct 2026, which places it in the Mid Cap band.
What is the PE ratio of Five-Star Business Finance Ltd?
Five-Star Business Finance Ltd trades at a PE ratio of 13.41 as of 9 Oct 2026, on earnings per share of ₹37.44, against a book value of ₹249.94 per share.
What is the 52-week high and low of Five-Star Business Finance Ltd?
Over the last 52 weeks Five-Star Business Finance Ltd has traded between ₹338.15 and ₹666 as of 9 Oct 2026.
Does Five-Star Business Finance Ltd pay dividends?
Five-Star Business Finance Ltd has a dividend yield of 0.40%.
What is the Return on Equity (ROE) of Five-Star Business Finance Ltd?
Five-Star Business Finance Ltd reported a return on equity of 9.30%. Its debt-to-equity ratio is 0.76.

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
Shares Outstanding 29,51,95,658

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