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
- Company has delivered good profit growth of 25.1% CAGR over last 5 years
- Comfortable capital adequacy - CAR of 51.9%
- Solid return on assets for a lender - ROA of 7.3%
- Company has delivered good sales growth of 25.1% CAGR over last 5 years
- Stock looks reasonably valued - P/E of 14.7 is below its historical median
- Attractively priced for its growth - PEG of 0.7
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
- Though reporting repeated profits, the company pays out little dividend (5.4%)
* 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
Standalone Figures in Rs. Crores / View Consolidated
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 480 | 519 | 567 | 616 | 666 | 702 | 727 | 752 | 787 | 799 | 815 | 817 | 829 | |
| 137 | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 | 235 | 255 | 277 | 477 | |
| Operating Profit | 344 | 375 | 423 | 455 | 498 | 524 | 541 | 548 | 546 | 564 | 560 | 540 | 533 |
| OPM % | 71.55% | 72.28% | 74.49% | 73.91% | 74.69% | 74.67% | 74.40% | 72.83% | 69.40% | 70.54% | 68.68% | 66.04% | 64.28% |
| Other Income | 3 | 4 | 3 | 3 | 3 | 4 | 4 | 7 | 5 | 7 | 7 | 9 | 10 |
| Interest | 96 | 106 | 129 | 138 | 158 | 163 | 171 | 175 | 187 | 180 | 189 | 181 | 172 |
| Depreciation | 5 | 6 | 7 | 7 | 6 | 7 | 8 | 9 | 8 | 9 | 10 | 10 | 9 |
| 246 | 267 | 290 | 313 | 336 | 358 | 365 | 371 | 355 | 382 | 369 | 357 | 362 | |
| Tax % | 25.28% | 25.32% | 25.23% | 24.63% | 25.17% | 25.20% | 25.00% | 24.78% | 24.97% | 25.08% | 24.89% | 24.60% | 25.02% |
| Net Profit | 184 | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 | 286 | 277 | 269 | 271 |
| 6 | 7 | 7 | 8 | 9 | 916 | 9 | 9 | 9 | 10 | 9 | 9 | 1 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 83 | 196 | 409 | 787 | 1,050 | 1,254 | 1,521 | 2,183 | 2,848 | 3,218 | 3,260 | |
| 30 | 64 | 110 | 210 | 237 | 337 | 439 | 582 | 733 | 1,004 | 1,245 | |
| Operating Profit | 53 | 132 | 299 | 577 | 813 | 917 | 1,082 | 1,600 | 2,115 | 2,214 | 2,015 |
| OPM % | 63.32% | 67.48% | 73.13% | 73.33% | 77.44% | 73.10% | 71.15% | 73.32% | 74.26% | 68.79% | 61.82% |
| 3 | 1 | 0 | 1 | 2 | 2 | 8 | 12 | 18 | 28 | 33 | |
| Interest | 24 | 55 | 76 | 218 | 327 | 302 | 268 | 472 | 672 | 742 | 721 |
| Depreciation | 1 | 3 | 4 | 10 | 11 | 12 | 17 | 25 | 30 | 37 | 38 |
| Profit before Tax | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1,116 | 1,431 | 1,463 | 1,470 |
| Tax % | 37.06% | 28.30% | 28.28% | 25.01% | 24.65% | 24.94% | 25.01% | 25.09% | 25.03% | 24.89% | 24.90% |
| Net Profit | 19 | 54 | 157 | 262 | 359 | 454 | 603 | 836 | 1,072 | 1,099 | 1,104 |
| EPS | 14.47 | 31.29 | 67.39 | 100.70 | 13.61 | 15.92 | 20.49 | 28.58 | 36.43 | 37.22 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 5.49% | 5.37% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 53%
- 5 Years:
- 25%
- 3 Years:
- 28%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 55%
- 5 Years:
- 25%
- 3 Years:
- 22%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- -7%
- 1 Year:
- 4%
RETURN ON EQUITY
- 10 Years:
- 16%
- 5 Years:
- 17%
- 3 Years:
- 18%
- Last Year:
- 16%
Balance Sheet
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 14 | 19 | 24 | 26 | 26 | 29 | 29 | 29 | 29 | 30 |
| 210 | 570 | 1,336 | 1,915 | 2,275 | 3,647 | 4,249 | 5,111 | 6,234 | 7,320 | |
| 381 | 528 | 960 | 2,364 | 3,425 | 2,559 | 4,247 | 6,340 | 7,960 | 8,262 | |
| Trade Payables | 3 | 2 | 3 | 7 | 9 | 13 | 20 | 25 | 27 | 32 |
| 98 | 8 | 12 | 14 | 23 | 48 | 104 | 111 | 83 | 61 | |
| Total Liabilities | 707 | 1,127 | 2,335 | 4,325 | 5,757 | 6,296 | 8,650 | 11,616 | 14,333 | 15,704 |
| 5 | 6 | 9 | 28 | 25 | 33 | 45 | 64 | 86 | 88 | |
| Capital Work in Progress | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 62 | 72 |
| 15 | 15 | 0 | 0 | 0 | 248 | 145 | 108 | 212 | 227 | |
| Cash & Bank | 180 | 127 | 220 | 451 | 1,356 | 880 | 1,581 | 1,576 | 2,103 | 2,075 |
| 507 | 979 | 2,106 | 3,846 | 4,376 | 5,135 | 6,879 | 9,868 | 11,869 | 13,242 | |
| Total Assets | 707 | 1,127 | 2,335 | 4,325 | 5,757 | 6,296 | 8,650 | 11,616 | 14,333 | 15,704 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -226 | -373 | -1,166 | -1,898 | -718 | -1,006 | -2,136 | -3,617 | -3,079 | -2,594 | |
| Cash from Investing | 1 | 11 | 14 | -132 | 102 | -384 | 162 | 210 | -586 | 228 |
| Cash from Financing | 437 | 393 | 1,025 | 1,725 | 1,033 | 7 | 1,688 | 2,106 | 1,593 | 157 |
| 177 | -53 | 88 | 70 | 977 | -654 | 727 | 194 | -38 | 121 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
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
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Five-Star Business Finance Ltd.
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