Five-Star Business Finance Ltd
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]
- Market Cap ₹ 21,284 Cr.
- Current Price ₹ 729
- High / Low ₹ 877 / 514
- Stock P/E 27.7
- Book Value ₹ 162
- Dividend Yield 0.00 %
- ROCE 14.4 %
- ROE 15.0 %
- Face Value ₹ 1.00
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 61.9% CAGR over last 5 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
- Company might be capitalizing the interest cost
* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.
Peer comparison
Sector: Finance Industry: Finance & Investments
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM | |
---|---|---|---|---|---|---|---|---|
86 | 196 | 402 | 787 | 1,050 | 1,254 | 1,521 | 2,002 | |
30 | 64 | 107 | 210 | 237 | 337 | 439 | 558 | |
Operating Profit | 55 | 133 | 294 | 577 | 813 | 917 | 1,082 | 1,444 |
OPM % | 64% | 68% | 73% | 73% | 77% | 73% | 71% | 72% |
0 | 1 | 1 | 1 | 1 | 2 | 8 | 13 | |
Interest | 24 | 55 | 73 | 218 | 327 | 302 | 268 | 408 |
Depreciation | 1 | 3 | 4 | 10 | 11 | 12 | 17 | 22 |
Profit before tax | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1,027 |
Tax % | 37% | 28% | 28% | 25% | 25% | 25% | 25% | |
19 | 54 | 156 | 262 | 359 | 454 | 604 | 769 | |
EPS in Rs | 13.58 | 28.30 | 65.40 | 103.80 | 142.26 | 15.57 | 20.71 | 26.36 |
Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Compounded Sales Growth | |
---|---|
10 Years: | % |
5 Years: | 51% |
3 Years: | 25% |
TTM: | 42% |
Compounded Profit Growth | |
---|---|
10 Years: | % |
5 Years: | 62% |
3 Years: | 32% |
TTM: | 39% |
Stock Price CAGR | |
---|---|
10 Years: | % |
5 Years: | % |
3 Years: | % |
1 Year: | 42% |
Return on Equity | |
---|---|
10 Years: | % |
5 Years: | 16% |
3 Years: | 15% |
Last Year: | 15% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 | |
---|---|---|---|---|---|---|---|---|
Equity Capital | 14 | 19 | 24 | 26 | 26 | 29 | 29 | 29 |
Reserves | 210 | 573 | 1,341 | 1,919 | 2,293 | 3,681 | 4,310 | 4,707 |
452 | 528 | 922 | 2,364 | 3,425 | 2,559 | 4,247 | 4,819 | |
14 | 14 | 31 | 45 | 50 | 74 | 116 | 124 | |
Total Liabilities | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 9,680 |
5 | 0 | 10 | 28 | 25 | 33 | 45 | 62 | |
CWIP | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Investments | 15 | 15 | 15 | 0 | 0 | 248 | 145 | 222 |
669 | 1,119 | 2,293 | 4,325 | 5,769 | 6,062 | 8,513 | 9,396 | |
Total Assets | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 9,680 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|
-457 | -940 | -1,523 | -157 | -277 | -1,123 | ||
10 | 14 | -132 | 102 | -384 | 162 | ||
393 | 1,010 | 1,725 | 1,033 | 7 | 1,688 | ||
Net Cash Flow | -53 | 84 | 70 | 977 | -654 | 727 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | |
---|---|---|---|---|---|---|---|
Debtor Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Inventory Days | |||||||
Days Payable | |||||||
Cash Conversion Cycle | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Working Capital Days | 375 | 7 | -18 | -14 | -11 | -12 | -14 |
ROCE % | 15% | 17% | 17% | 16% | 15% | 14% |
Documents
Announcements
-
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
24 Apr - On Earnings Conference Call for quarter and financial year ended March 31, 2024
-
Announcement under Regulation 30 (LODR)-Allotment
22 Apr - Allotment of 50,000 Non-Convertible Debentures on Private Placement basis
- Board Meeting Intimation for Consider And Approve The Audited Financial Statements/Results For The Quarter And Financial Year Ended March 31, 2024 18 Apr
- Disclosures under Reg. 29(2) of SEBI (SAST) Regulations, 2011 12 Apr
- Certificate Under Reg 40(9) Of SEBI (LODR) 2015 10 Apr
Concalls
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Aug 2023Transcript PPT REC
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May 2023Transcript PPT
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Feb 2023Transcript PPT
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Dec 2022Transcript PPT
Leading NBFC in South India[1] Five-Star Business Finance Limited is one of the fastest growing (65% CAGR between FY17 -FY21) NBFC-ND-SI providing secured business loans to microentrepreneurs and self-employed individuals.