Five-Star Business Finance Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 51.9%
- Solid return on assets for a lender - ROA of 7.3%
- Company has consistently been profitable over the last 5 years
- Attractively priced for its growth - PEG of 0.8
CONS
- Net NPA is elevated at 2.0% - provisioning cushion is thin
- Promoter holding has decreased over last 2 years: -7.9pp
- Free cash flow has been persistently negative
- Equity base is being diluted - shares outstanding up 123.4%
- Operating margins have contracted to 73.1% from 76.4%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| FIVESTAR | 550.75 | 103.78 | 16257.51 | 0.36 | 271.41 | 1.91 | 828.98 | 5.38 | 14.79 | 64.28 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
No quarterly results found
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Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|---|
| 33 | 46 | 84 | 201 | 409 | |
| 8 | 12 | 31 | 66 | 110 | |
| Operating Profit | 25 | 34 | 52 | 134 | 299 |
| OPM % | 76.74% | 73.10% | 62.68% | 67.01% | 73.13% |
| 1 | 2 | 3 | 0 | 0 | |
| Interest | 10 | 14 | 24 | 57 | 76 |
| Depreciation | 0 | 1 | 1 | 3 | 4 |
| Profit before Tax | 15 | 21 | 31 | 75 | 218 |
| Tax % | 34.71% | 33.93% | 37.01% | 28.37% | 28.28% |
| Net Profit | 10 | 14 | 20 | 53 | 157 |
| EPS | 10.80 | 13.16 | 14.66 | 30.24 | 68.74 |
| Dividend Payout % | 16.66% | 0.00% | 0.00% | 0.00% | 0.00% |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 107%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 125%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- -7%
- 1 Year:
- 4%
RETURN ON EQUITY
- 10 Years:
- —
- 5 Years:
- 14%
- 3 Years:
- 14%
- 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 |
| 61 | 81 | 211 | 569 | 1,336 | |
| 51 | 94 | 381 | 546 | 955 | |
| Trade Payables | 1 | 1 | 3 | 2 | 3 |
| 50 | 38 | 82 | 8 | 17 | |
| Total Liabilities | 173 | 224 | 692 | 1,145 | 2,335 |
| 1 | 2 | 5 | 6 | 9 | |
| 0 | 4 | 4 | 0 | 0 | |
| Cash & Bank | 29 | 18 | 185 | 131 | 220 |
| 143 | 200 | 498 | 1,007 | 2,106 | |
| Total Assets | 173 | 224 | 692 | 1,145 | 2,335 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|---|
| -4 | -30 | -237 | -391 | -806 | |
| Cash from Investing | -0 | -5 | -2 | 16 | 14 |
| Cash from Financing | 37 | 46 | 440 | 408 | 1,025 |
| 17 | -10 | 167 | -53 | 88 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | |
|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015
2026-09-08 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015
2026-09-08 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015
2026-09-04 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015
2026-09-04 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015
2026-09-02 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015
2026-09-01 - Five-Star Business Finance Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on August 31, 2026. Further, the company has informed the Exchange regarding voting results.
2026-08-31 - Five-Star Business Finance Limited has informed the Exchange about Shareholders meeting
2026-08-12 - Five-Star Business Finance Limited has informed the Exchange regarding Allotment of 650 Shares pursuant to Employee stock options.
News
Recent coverage and analyst commentary for FIVESTAR
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Five-Star Business Finance Ltd.
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