Five-Star Business Finance Ltd logo

Five-Star Business Finance Ltd

FIVESTAR NSE

Key Fundamentals

SmallcapNBFCFinancial Services
Market Cap
₹15,361 Cr
Volatility
Moderate
P/E Ratio
14.06
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 5d ago
AI opinion · based on fundamentals
Risk medium

Five-Star Business Finance is a secured-lending NBFC focused on small business loans in semi-urban and rural India, trading at a PE of 13.9x and PB of 2.08x with a market cap of ~₹15,645 crore. The company grew AUM 23.2% YoY to ₹11,877 crore in FY25 and delivered 28% PAT growth, but recent quarters show rising credit costs (GS-3 at 2.64%) and promoter holding has declined to ~18.6%.

Bull Case 7
  • Strong AUM growth of 23.2% YoY in FY25 to ₹11,877 crore, with management guiding for 25% AUM growth in FY26
  • PAT grew 28% YoY in FY25 to ₹1,073 crore, maintaining a 5-year profit CAGR of 25.1%
  • Attractive valuation at PE of 13.9x for a lender delivering consistent 16-17% ROE over 3, 5, and 10-year periods
  • High net interest margin of ~16.5% and ROA of ~8.2%, well above secured-lending industry benchmarks
  • Diversified funding profile with bank term loans at 56.5%, securitisation at 20.2%, and NCDs at 10.5% reducing concentration risk
  • Large addressable market in underserved semi-urban and rural India with 748 branches and 0.46 million active loans as of FY25
  • Compounded sales growth of 28% over 3 years and 25% over 5 years demonstrates sustained revenue momentum
Bear Case 8
  • Promoter holding is low at 18.6% and has decreased by 15.8 percentage points over the last 3 years, signalling potential overhang
  • Asset quality has deteriorated with GS-3 (gross stage 3) rising 117 bps YoY to 2.64% and credit costs increasing 79 bps YoY to 1.6%
  • TTM profit growth has sharply decelerated to just 2% compared to 3-year CAGR of 22%, indicating earnings momentum loss
  • Stock has delivered negative returns with 1-year CAGR of -10% and 3-year CAGR of -12%, reflecting sustained market de-rating
  • Disbursement growth slowed significantly, falling 4.4% YoY and 7.3% QoQ in Q2 FY26 due to tighter underwriting standards
  • TTM revenue growth has moderated to 10% from a 3-year CAGR of 28%, suggesting a growth slowdown
  • Regulatory tightening in retail finance and rising cost of capital pose headwinds to the NBFC lending model
  • FII/FPI ownership at 58.75% creates vulnerability to foreign capital outflows and exchange rate movements

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

AI News Digest

Anthropic anthropic claude-opus-4.6 1d ago
Positives 2
  • ₹2 dividend & AGM announced Aug 5

    Board recommends final dividend of ₹2 per share for FY26. 42nd AGM scheduled for August 31, 2026 with record date of July 31, 2026.

  • BRSR report filed for FY26 Aug 6

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

Neutral 3
  • Active investor engagement continues Aug 5

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

  • Independent Director term ends Jul 27

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

  • Q1FY27 earnings call recording live Jul 27

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

TL;DR: Five-Star Business Finance is in a steady operational phase with no visible headwinds in recent news flow. The company is returning capital to shareholders via a ₹2/share dividend, maintaining ESG disclosures, and actively engaging institutional investors. Board reconstitution after a director's term end is routine. The trend appears stable with governance and transparency signaling institutional confidence.

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 ₹15361.16 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 14.06. 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 0.40%. 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]

CEO Mr. Lakshmipathy Deenadayalan
Employees 11,929
Listed 2022-11-21
Face Value ₹ 1
Issued Size 29,45,33,548

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