Five-Star Business Finance Ltd.

•

fivestargroup.inBSE: 543663NSE: FIVESTAR

Market Cap₹ 16,258 Cr.

Current Price

High / Low₹ 666 / 338

Stock P/E103.8

Book Value—

Price to Book—

Dividend Yield0.36 %

ROCE17.1 %

ROE16.1 %

Face Value₹ 1

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY TOTAL MKT NIFTY SMLCAP 50 NIFTY 500 NIFTY SMLCAP 250

S.No.	Name
1.	BAJFINANCE	1034.20	31.71	643888.19	0.58	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1028.00	21.37	241893.03	1.05	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1845.00	27.40	157575.18	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	362.80	28.50	154003.85	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	230.00	73.49	151872.26	0.26	8302.50	2457.29	20044.70	3172.82	2.11	69.71
6.	BAJAJHLDNG	11120.70	13.97	123766.17	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2794.40	9.86	112186.35	1.07	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	398.60	26.59	109118.68	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	309.50	24.37	77571.61	0.89	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	656.05	27.44	62432.55	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	668.65	25.53	55549.10	0.60	785.20	38.31	4937.90	18.71	9.09	57.98
12.	FIVESTAR	550.75	103.78	16257.51	0.36	271.41	1.91	828.98	5.38	14.79	64.28

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

No quarterly results found

We don't have this information yet. Please check back later.

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

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	26.51	21.59	21.55	21.47	21.47	18.57	18.56	18.61	18.61
	57.45	56.70	57.76	58.75	58.13	55.80	52.95	48.48	43.97
	6.07	8.98	10.10	9.09	9.48	12.16	14.74	17.58	22.35
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	9.96	12.73	10.59	10.68	10.93	13.46	13.76	15.34	15.07

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-08 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015

2026-09-08

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-08 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015

2026-09-08

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-08 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015

2026-09-04

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-04 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015

2026-09-04

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-04 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015

2026-09-02

Analysts/Institutional Investor Meet/Con. Call Updates

2026-09-02 - Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015

2026-09-01

Shareholders meeting

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

Shareholders meeting

2026-08-31 - Five-Star Business Finance Limited has informed the Exchange about Shareholders meeting

2026-08-12

ESOP/ESOS/ESPS

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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Free 5nance Account

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

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

201

409

110

Operating Profit

134

299

OPM %

76.74%

73.10%

62.68%

67.01%

73.13%

Interest

Depreciation

Profit before Tax

218

Tax %

34.71%

33.93%

37.01%

28.37%

28.28%

Net Profit

157

EPS

10.80

13.16

14.66

30.24

68.74

Dividend Payout %

16.66%

0.00%

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Equity Capital

211

569

1,336

381

546

955

Trade Payables

Total Liabilities

173

224

692

1,145

2,335

Cash & Bank

185

131

220

143

200

498

1,007

2,106

Total Assets

173

224

692

1,145

2,335

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

-4

-30

-237

-391

-806

Cash from Investing

-0

-5

-2

Cash from Financing

440

408

1,025

-10

167

-53

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Jun 2024

Sep 2024

Dec 2024

Mar 2025

Jun 2025

Sep 2025

Dec 2025

Mar 2026

Jun 2026

26.51

21.59

21.55

21.47

18.57

18.56

18.61

57.45

56.70

57.76

58.75

58.13

55.80

52.95

48.48

43.97

6.07

8.98

10.10

9.09

9.48

12.16

14.74

17.58

22.35

Government

0.00

9.96

12.73

10.59

10.68

10.93

13.46

13.76

15.34

15.07

Five-Star Business Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI

Five-Star Business Finance Ltd.

AI Sector View

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Corporate actions

Cash Flows

Ratios

Shareholding Pattern

Documents

News

Sign in to Chat with AI