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 ₹ 17,336 Cr.
- Current Price ₹ 589
- High / Low ₹ 944 / 570
- Stock P/E 15.9
- Book Value ₹ 214
- Dividend Yield 0.34 %
- ROCE 16.3 %
- ROE 18.6 %
- Face Value ₹ 1.00
Pros
- Company has delivered good profit growth of 32.6% CAGR over last 5 years
Cons
* 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.
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 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|
| 86 | 196 | 402 | 787 | 1,050 | 1,254 | 1,521 | 2,183 | 2,848 | 2,968 | |
| Interest | 24 | 55 | 73 | 218 | 327 | 302 | 268 | 472 | 672 | 697 |
| 30 | 64 | 107 | 210 | 237 | 337 | 439 | 582 | 733 | 809 | |
| Financing Profit | 31 | 78 | 221 | 359 | 486 | 614 | 814 | 1,128 | 1,443 | 1,462 |
| Financing Margin % | 37% | 40% | 55% | 46% | 46% | 49% | 54% | 52% | 51% | 49% |
| 0 | 1 | 1 | 1 | 1 | 2 | 8 | 12 | 18 | 19 | |
| Depreciation | 1 | 3 | 4 | 10 | 11 | 12 | 17 | 25 | 30 | 32 |
| Profit before tax | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1,116 | 1,431 | 1,449 |
| Tax % | 37% | 28% | 28% | 25% | 25% | 25% | 25% | 25% | 25% | |
| 19 | 54 | 156 | 262 | 359 | 454 | 604 | 836 | 1,072 | 1,087 | |
| EPS in Rs | 13.58 | 28.30 | 65.40 | 103.80 | 142.26 | 15.57 | 20.71 | 28.58 | 36.43 | 37.01 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 5% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 29% |
| 3 Years: | 31% |
| TTM: | 25% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 33% |
| 3 Years: | 33% |
| TTM: | 20% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -20% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 17% |
| 3 Years: | 17% |
| Last Year: | 19% |
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 14 | 19 | 24 | 26 | 26 | 29 | 29 | 29 | 29 |
| Reserves | 210 | 573 | 1,341 | 1,919 | 2,293 | 3,681 | 4,310 | 5,167 | 6,275 |
| Borrowing | 452 | 528 | 922 | 2,364 | 3,425 | 2,559 | 4,247 | 6,316 | 7,922 |
| 14 | 14 | 31 | 45 | 50 | 74 | 116 | 177 | 194 | |
| Total Liabilities | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 |
| 5 | 0 | 10 | 28 | 25 | 33 | 45 | 64 | 86 | |
| CWIP | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 62 |
| Investments | 15 | 15 | 15 | 0 | 0 | 248 | 145 | 108 | 212 |
| 669 | 1,119 | 2,293 | 4,325 | 5,769 | 6,062 | 8,513 | 11,517 | 14,060 | |
| Total Assets | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| -457 | -940 | -1,523 | -157 | -277 | -1,123 | -2,122 | -1,045 | ||
| 10 | 14 | -132 | 102 | -384 | 162 | 210 | -585 | ||
| 393 | 1,010 | 1,725 | 1,033 | 7 | 1,688 | 2,106 | 1,593 | ||
| Net Cash Flow | -53 | 84 | 70 | 977 | -654 | 727 | 194 | -37 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 13% | 16% | 16% | 17% | 15% | 15% | 18% | 19% |
Documents
Announcements
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Approval Received From NSE And BSE Regarding Reclassification Of Promoter And Promoter Group As Public Shareholders
2d - NSE and BSE approved promoter reclassification; promoter holding falls to 18.57%, public holding rises to 81.43%.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
19 Aug - Newspaper Publication- Notice of 41st Annual General Meeting and remote e-voting
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Intimation Under Regulation 29 And 50 Of SEBI (LODR)- Prior Intimation For Annual General Meeting (AGM)
18 Aug - AGM on Sept 9 to approve private placement of NCDs up to INR 4,000 Crores.
-
Business Responsibility and Sustainability Reporting (BRSR)
18 Aug - Five-Star Business Finance submits FY 2024-25 Business Responsibility and Sustainability Report.
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Notice Of The 41St Annual General Meeting (AGM) Of Five-Star Business Finance Limited Which Is Scheduled To Be Held On Tuesday, September 09, 2025, At 10.00 AM (IST) Through Video
Conferencing (VC)/ Other Audio Visual Means (''OAVM'')
18 Aug - 41st AGM notice: FY25 annual report, ₹2 dividend, director reappointment, ₹12,000 Cr borrowing limit, ₹4,000 Cr NCD issuance.
Annual reports
Concalls
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Aug 2025Transcript PPT
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May 2025Transcript PPT REC
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Feb 2025Transcript PPT
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Nov 2024TranscriptPPTREC
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Oct 2024TranscriptNotesPPT REC
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Aug 2024Transcript PPT REC
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May 2024Transcript PPT
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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 is one of the fastest growing (20.5% CAGR between FY20 -FY24)[2] NBFC-ND-SI providing secured business loans to microentrepreneurs and self-employed individuals.