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 ₹ 20,785 Cr.
- Current Price ₹ 706
- High / Low ₹ 944 / 595
- Stock P/E 19.4
- Book Value ₹ 214
- Dividend Yield 0.00 %
- ROCE 16.3 %
- ROE 18.6 %
- Face Value ₹ 1.00
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 32.6% CAGR over last 5 years
Cons
- Though the company is reporting repeated profits, it is not paying out dividend
* 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
Part of BSE Allcap BSE 500 Nifty Smallcap 100 BSE Financial Services Nifty 500
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 | |
|---|---|---|---|---|---|---|---|---|---|
| 86 | 196 | 402 | 787 | 1,050 | 1,254 | 1,521 | 2,183 | 2,848 | |
| Interest | 24 | 55 | 73 | 218 | 327 | 302 | 268 | 472 | 668 |
| 30 | 64 | 107 | 210 | 237 | 337 | 439 | 582 | 737 | |
| Financing Profit | 31 | 78 | 221 | 359 | 486 | 614 | 814 | 1,128 | 1,443 |
| Financing Margin % | 37% | 40% | 55% | 46% | 46% | 49% | 54% | 52% | 51% |
| 0 | 1 | 1 | 1 | 1 | 2 | 8 | 12 | 18 | |
| Depreciation | 1 | 3 | 4 | 10 | 11 | 12 | 17 | 25 | 30 |
| Profit before tax | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1,116 | 1,431 |
| Tax % | 37% | 28% | 28% | 25% | 25% | 25% | 25% | 25% | 25% |
| 19 | 54 | 156 | 262 | 359 | 454 | 604 | 836 | 1,072 | |
| EPS in Rs | 13.58 | 28.30 | 65.40 | 103.80 | 142.26 | 15.57 | 20.71 | 28.58 | 36.43 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 29% |
| 3 Years: | 31% |
| TTM: | 30% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 33% |
| 3 Years: | 33% |
| TTM: | 28% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -7% |
| 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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Announcement under Regulation 30 (LODR)-Newspaper Publication
10h - Newspaper Publication-Audited Financial Results for the year ended March 31,2025.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
10h - Audio recording of Q4 FY25 earnings call available on company's website.
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Corporate Action-Board approves Dividend
1d - Board recommends final dividend of INR 2/share for FY 2024-25; record date August 14, 2025.
- Pursuant To Regulation 42 Of SEBI LODR Regulations, The Record Date For The Purpose Of Determining The Members Eligible To Receive The Final Dividend For The Financial Year Ended March 31, 2025, Has Been Fixed As Thursday, August 14, 2025 1d
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Approval Of Amendment To Code Of Fair Disclosure Under SEBI (PIT) Regulations
1d - Board approved amendments to Code of Fair Disclosure under SEBI Insider Trading Regulations.
Concalls
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Apr 2025TranscriptNotesPPT
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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.