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

₹ 353 -6.30%
30 Mar - close price
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 NBFC-ND-SI players focused on secured business lending to microentrepreneurs and self-employed individuals.

Website BSE NSE
  • Market Cap ₹ 10,418 Cr.
  • Current Price ₹ 353
  • High / Low ₹ 850 / 338
  • Stock P/E 66.5
  • Book Value ₹
  • Dividend Yield 0.57 %
  • ROCE 17.0 %
  • ROE 16.0 %
  • Face Value ₹ 1.00
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Pros

Cons

  • Promoter holding is low: 18.6%
  • Promoter holding has decreased over last 3 years: -16.3%

* 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 Nifty Smallcap 100 BSE Allcap BSE Financial Services

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Interest
Financing Profit
Financing Margin %
Depreciation
Profit before tax
Tax %
EPS in Rs
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
34 48 87 201 409
Interest 10 14 24 57 76
8 12 31 66 110
Financing Profit 16 21 32 77 223
Financing Margin % 46% 44% 37% 39% 54%
0 0 0 -0 0
Depreciation 0 1 1 3 4
Profit before tax 15 21 31 75 218
Tax % 35% 34% 37% 28% 28%
10 14 20 53 157
EPS in Rs 9.73 12.82 13.75 27.88 65.55
Dividend Payout % 19% -0% -0% -0% -0%
Compounded Sales Growth
10 Years: %
5 Years: %
3 Years: 105%
TTM: 104%
Compounded Profit Growth
10 Years: %
5 Years: %
3 Years: 125%
TTM: 193%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: -13%
1 Year: -51%
Return on Equity
10 Years: %
5 Years: 15%
3 Years: 15%
Last Year: 16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
Equity Capital 10 11 14 19 24
Reserves 61 81 211 573 1,341
Borrowing 88 129 455 546 955
6 5 14 14 30
Total Liabilities 165 225 694 1,152 2,350
1 2 5 6 10
CWIP -0 -0 2 0 -0
Investments 0 4 4 -0 -0
164 219 683 1,145 2,340
Total Assets 165 225 694 1,152 2,350

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
-20 -51 -271 -476 -951
-0 -5 -2 16 14
38 46 440 408 1,025
Net Cash Flow 17 -10 167 -53 88
Free Cash Flow -20 -53 -276 -481 -957
CFO/OP -57% -123% -465% -332% -295%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019
ROE % 14% 17% 12% 13% 16%

Insights

In beta
Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Assets Under Management (AUM)
INR Million ・Standalone data

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Loan Disbursals
INR Million ・Standalone data
Number of Branches
Number ・Standalone data
Number of Employees
Number ・Standalone data
Gross Stage 3 Assets %
Percentage ・Standalone data
Average Ticket Size (Disbursals)
INR Million ・Standalone data
Number of Active Loans
Number ・Standalone data

Shareholding Pattern

Numbers in percentages

1 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
34.87% 34.39% 31.30% 26.54% 26.51% 26.51% 21.59% 21.55% 21.47% 21.47% 18.57% 18.56%
6.98% 8.74% 50.22% 54.28% 56.06% 57.45% 56.70% 57.76% 58.75% 58.13% 55.80% 52.95%
5.05% 4.71% 7.52% 7.82% 6.97% 6.07% 8.99% 10.10% 9.09% 9.48% 12.16% 14.74%
53.10% 52.15% 10.97% 11.36% 10.44% 9.96% 12.71% 10.60% 10.69% 10.93% 13.46% 13.77%
No. of Shareholders 26,48130,65540,12151,90650,44248,89758,90271,22976,89969,03994,10891,561

* 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.

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Documents

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Concalls