Five-Star Business Finance Ltd

Five-Star Bus.Fi Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Five-Star Business Finance Ltd

₹ 606 1.32%
04 Aug 1:29 p.m.
fivestargroup.in BSE: 543663 NSE: FIVESTAR
About

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]

Key Points

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.

Website BSE NSE
  • Market Cap ₹ 17,830 Cr.
  • Current Price ₹ 606
  • High / Low ₹ 944 / 592
  • Stock P/E 16.4
  • Book Value ₹ 214
  • Dividend Yield 0.33 %
  • ROCE 16.3 %
  • ROE 18.6 %
  • Face Value ₹ 1.00
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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.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

Part of BSE 500 Nifty 500 BSE SmallCap Nifty Smallcap 100 BSE Allcap

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025
338 361 387 436 480 519 567 616 666 702 727 752 787
Interest 65 61 63 77 96 106 129 138 158 163 171 175 187
84 104 119 133 137 144 145 161 169 178 186 204 241
Financing Profit 189 196 204 226 248 269 294 318 339 361 370 373 359
Financing Margin % 56% 54% 53% 52% 52% 52% 52% 52% 51% 51% 51% 50% 46%
1 1 2 4 3 4 3 3 3 4 4 7 5
Depreciation 4 4 5 5 5 6 7 7 6 7 8 9 8
Profit before tax 186 193 202 224 246 267 290 313 336 358 365 371 355
Tax % 25% 25% 25% 25% 25% 25% 25% 25% 25% 25% 25% 25% 25%
139 144 151 169 184 199 217 236 252 268 274 279 266
EPS in Rs 4.79 4.95 5.18 5.80 6.30 6.84 7.42 8.07 8.60 9.16 9.33 9.48 9.04
Gross NPA % 1.62% 1.79%
Net NPA %
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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 73 218 327 302 268 472 668 697
30 64 107 210 237 337 439 582 737 809
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% 0%
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: -23%
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%

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
34.87% 34.87% 34.39% 31.30% 26.54% 26.51% 26.51% 21.59% 21.55% 21.47% 21.47%
6.54% 6.98% 8.74% 50.22% 54.28% 56.06% 57.45% 56.70% 57.76% 58.75% 58.13%
5.62% 5.05% 4.71% 7.52% 7.82% 6.97% 6.07% 8.99% 10.10% 9.09% 9.48%
52.96% 53.10% 52.15% 10.97% 11.36% 10.44% 9.96% 12.71% 10.60% 10.69% 10.93%
No. of Shareholders 27,69026,48130,65540,12151,90650,44248,89758,90271,22976,89969,039

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

Click on the line-items to see the names of individual entities.

Documents

Announcements

Annual reports

DRHP

Credit ratings

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