Five-Star Business Finance Ltd

Five-Star Business Finance Ltd

₹ 709 -1.70%
28 Feb - close price
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 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.

  • Market Cap 20,814 Cr.
  • Current Price 709
  • High / Low 877 / 494
  • Stock P/E 27.1
  • 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
  • Promoter holding has decreased over last quarter: -4.77%
  • 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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
302 308 317 326 338 361 387 436 480 519 567
80 73 86 101 84 104 119 133 137 144 145
Operating Profit 222 235 232 225 253 256 267 303 344 375 423
OPM % 74% 76% 73% 69% 75% 71% 69% 70% 72% 72% 74%
0 0 1 1 1 1 2 4 3 4 3
Interest 86 78 72 63 65 61 63 77 96 106 129
Depreciation 3 3 3 4 4 4 5 5 5 6 7
Profit before tax 134 155 157 159 186 193 202 224 246 267 290
Tax % 26% 24% 25% 26% 25% 25% 25% 25% 25% 25% 25%
100 118 118 118 139 144 151 169 184 199 217
EPS in Rs 39.51 46.70 4.07 4.05 4.79 4.95 5.18 5.80 6.30 6.84 7.42
Raw PDF

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: 32%
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%

Shareholding Pattern

Numbers in percentages

6 Recently
Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023
34.87% 34.87% 34.39% 31.30% 26.54%
6.54% 6.98% 8.74% 50.22% 54.28%
5.62% 5.05% 4.71% 7.52% 7.82%
52.96% 53.10% 52.15% 10.97% 11.36%
No. of Shareholders 27,69026,48130,65540,12151,906

* 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.

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