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Five-Star Business Finance Ltd.

•
fivestargroup.inBSE: 543663NSE: FIVESTAR
Market Cap₹ 16,258 Cr.
Current Price
High / Low₹ 666 / 338
Stock P/E14.7
Book Value₹ 258
Price to Book1.42
Dividend Yield0.36 %
ROCE14.8 %
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

  • 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

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY TOTAL MKTNIFTY SMLCAP 50NIFTY 500NIFTY SMLCAP 250
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.FIVESTAR550.75103.7816257.510.36271.411.91828.985.3814.7964.28
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
480519567616666702727752787799815817829
137144145161169178186204241235255277477
Operating Profit344375423455498524541548546564560540533
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 Income34333447577910
Interest96106129138158163171175187180189181172
Depreciation567767898910109
246267290313336358365371355382369357362
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 Profit184199217236252268274279266286277269271
6778991699910991

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
831964097871,0501,2541,5212,1832,8483,2183,260
30641102102373374395827331,0041,245
Operating Profit531322995778139171,0821,6002,1152,2142,015
OPM %63.32%67.48%73.13%73.33%77.44%73.10%71.15%73.32%74.26%68.79%61.82%
310122812182833
Interest245576218327302268472672742721
Depreciation1341011121725303738
Profit before Tax31762183494766048051,1161,4311,4631,470
Tax %37.06%28.30%28.28%25.01%24.65%24.94%25.01%25.09%25.03%24.89%24.90%
Net Profit19541572623594546038361,0721,0991,104
EPS14.4731.2967.39100.7013.6115.9220.4928.5836.4337.22—
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

Corporate actions

2026

Jul 31

₹ 2

Rs.2.0000 per share(200%)Final Dividend

2025

Aug 14

₹ 2

Rs.2.0000 per share(200%)Final Dividend

2026

Aug 6

₹ 2

Rs.2.0000 per share(200%)Final Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital14192426262929292930
2105701,3361,9152,2753,6474,2495,1116,2347,320
3815289602,3643,4252,5594,2476,3407,9608,262
Trade Payables323791320252732
988121423481041118361
Total Liabilities7071,1272,3354,3255,7576,2968,65011,61614,33315,704
56928253345648688
Capital Work in Progress000000006272
1515000248145108212227
Cash & Bank1801272204511,3568801,5811,5762,1032,075
5079792,1063,8464,3765,1356,8799,86811,86913,242
Total Assets7071,1272,3354,3255,7576,2968,65011,61614,33315,704

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-226-373-1,166-1,898-718-1,006-2,136-3,617-3,079-2,594
Cash from Investing11114-132102-384162210-586228
Cash from Financing4373931,0251,7251,03371,6882,1061,593157
177-538870977-654727194-38121

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
26.5121.5921.5521.4721.4718.5718.5618.6118.61
57.4556.7057.7658.7558.1355.8052.9548.4843.97
6.078.9810.109.099.4812.1614.7417.5822.35
Government0.000.000.000.000.000.000.000.000.00
9.9612.7310.5910.6810.9313.4613.7615.3415.07

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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