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 ₹ 14,238 Cr.
- Current Price ₹ 482
- High / Low ₹ 828 / 338
- Stock P/E 90.9
- Book Value ₹
- Dividend Yield 0.42 %
- ROCE 17.0 %
- ROE 16.0 %
- Face Value ₹ 1.00
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.
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: | -2% |
| 1 Year: | -31% |
| 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 | |
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| Assets Under Management (AUM) INR Million ・Standalone data |
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| Loan Disbursals INR Million ・Standalone data |
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| Number of Branches Number ・Standalone data |
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| Number of Employees Number ・Standalone data |
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| Gross Stage 3 Assets % Percentage ・Standalone data |
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| Average Ticket Size (Disbursals) INR Million ・Standalone data |
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| Number of Active Loans Number ・Standalone data |
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Extracted by Screener AI
Documents
Announcements
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Announcement under Regulation 30 (LODR)-Newspaper Publication
29 Apr - Newspaper Publication - Audited Financial Results for quarter and year ended March 31, 2026
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
29 Apr - Audio recording of Q4 and FY26 earnings call made available on website on April 29, 2026.
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Approval Of Amendment To Code Of Fair Disclosure Under SEBI (Prohibition Of Insider Trading) Regulations 2015
28 Apr - Board approved amendments to Fair Disclosure Code under PIT regulations on April 28, 2026.
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Announcement under Regulation 30 (LODR)-Change in Management
28 Apr - Board extended Chief Risk Officer Jayaraman S’s tenure by 3 years from June 1, 2026.
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Announcement under Regulation 30 (LODR)-Press Release / Media Release
28 Apr - Five-Star Business Finance reported Q4FY26 and FY26 results; PAT rose 2%, AUM reached ₹13,225 crore.
Annual reports
Concalls
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Apr 2026TranscriptAI SummaryPPT REC
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Feb 2026Transcript PPT REC
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Nov 2025Transcript PPT REC
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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 2024TranscriptAI SummaryPPT 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 NBFC-ND-SI players focused on secured business lending to microentrepreneurs and self-employed individuals.