Five-Star Business Finance Ltd.

•

₹ 520.95-1.23%

2026-08-21

fivestargroup.inBSE: 543663NSE: FIVESTAR

Market Cap₹ 15,372 Cr.

Current Price₹ 527

High / Low₹ 666 / 338

Stock P/E98.1

Book Value—

Price to Book—

Dividend Yield0.38 %

ROCE17.1 %

ROE16.1 %

Face Value₹ 1

Add ratio to table

ABOUT

KEY POINTS

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

EDIT COLUMNS

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	BAJFINANCE	1078.60	33.07	671531.43	0.56	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1104.90	22.97	259981.15	0.98	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	JIOFIN	242.70	77.55	160258.25	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
4.	CHOLAFIN	1866.25	27.72	159390.07	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
5.	TATACAP	365.15	28.68	155001.39	0.16	16281.80	1464.16	88219.30	1051.00	8.66	75.72
6.	BAJAJHLDNG	11322.85	14.23	126015.97	1.72	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2859.20	10.09	114787.87	1.05	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	396.75	26.46	108592.29	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	315.00	24.80	78940.44	0.87	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	626.30	0.00	59601.37	0.40	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	681.15	26.00	56579.31	0.59	785.20	38.31	4937.90	18.71	9.09	57.98
12.	FIVESTAR	520.75	98.12	15371.95	0.38	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	26	35	56	134	299
OPM %	79	76	67	67	73
Other Income	1	2	3	0	0
Interest	10	14	24	57	76
Depreciation	0	1	1	3	4
	15	21	31	75	218
Tax %	35	34	37	28	28
Net Profit	10	14	20	53	157
EPS	11	13	15	30	69
Dividend Payout %	17	0	0	0	0
Minority Interest	0	0	0	0	0
Share of Associates	0	0	0	0	0
Adjusted EPS	10	13	14	28	66
Minority Interest	0	0	0	0	0
Share of Associates	0	0	0	0	0
Adjusted EPS	10	13	14	28	66

Mar 2015

: 33
: 8
Operating Profit: 26
OPM %: 79
Other Income: 1
Interest: 10
Depreciation: 0
: 15
Tax %: 35
Net Profit: 10
EPS: 11
Dividend Payout %: 17
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 10
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 10

Mar 2016

: 46
: 12
Operating Profit: 35
OPM %: 76
Other Income: 2
Interest: 14
Depreciation: 1
: 21
Tax %: 34
Net Profit: 14
EPS: 13
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 13
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 13

Mar 2017

: 84
: 31
Operating Profit: 56
OPM %: 67
Other Income: 3
Interest: 24
Depreciation: 1
: 31
Tax %: 37
Net Profit: 20
EPS: 15
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 14
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 14

Mar 2018

: 201
: 66
Operating Profit: 134
OPM %: 67
Other Income: 0
Interest: 57
Depreciation: 3
: 75
Tax %: 28
Net Profit: 53
EPS: 30
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 28
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 28

Mar 2019

: 409
: 110
Operating Profit: 299
OPM %: 73
Other Income: 0
Interest: 76
Depreciation: 4
: 218
Tax %: 28
Net Profit: 157
EPS: 69
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 66
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 66

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:: -12%
1 Year:: -9%

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
LIABILITIES	-	-	-	-	-
Equity Capital	10	11	14	19	24
	61	81	211	569	1,336
	16	14	47	50	9
Trade Payables	1	1	3	2	3
	85	118	416	504	963
Total Liabilities	173	224	692	1,145	2,335
ASSETS	-	-	-	-	-
	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
Total Debt	88	129	455	546	955
Net Working Capital	16	22	157	76	191
Contingent Liabilities	1	1	0	0	0
Book Value per Share	69.85	85.34	157.67	307.08	569.14
Face Value	10.00	10.00	10.00	10.00	10.00
Total Debt	88	129	455	546	955
Net Working Capital	16	22	157	76	191
Contingent Liabilities	1	1	0	0	0
Book Value per Share	69.85	85.34	157.67	307.08	569.14
Face Value	10.00	10.00	10.00	10.00	10.00

Mar 2015

Equity Capital: 10
: 61
: 16
Trade Payables: 1
: 85
Total Liabilities: 173
: 1
: 0
Cash & Bank: 29
: 143
Total Assets: 173
Total Debt: 88
Net Working Capital: 16
Contingent Liabilities: 1
Book Value per Share: 69.85
Face Value: 10.00
Total Debt: 88
Net Working Capital: 16
Contingent Liabilities: 1
Book Value per Share: 69.85
Face Value: 10.00

Mar 2016

Equity Capital: 11
: 81
: 14
Trade Payables: 1
: 118
Total Liabilities: 224
: 2
: 4
Cash & Bank: 18
: 200
Total Assets: 224
Total Debt: 129
Net Working Capital: 22
Contingent Liabilities: 1
Book Value per Share: 85.34
Face Value: 10.00
Total Debt: 129
Net Working Capital: 22
Contingent Liabilities: 1
Book Value per Share: 85.34
Face Value: 10.00

Mar 2017

Equity Capital: 14
: 211
: 47
Trade Payables: 3
: 416
Total Liabilities: 692
: 5
: 4
Cash & Bank: 185
: 498
Total Assets: 692
Total Debt: 455
Net Working Capital: 157
Contingent Liabilities: 0
Book Value per Share: 157.67
Face Value: 10.00
Total Debt: 455
Net Working Capital: 157
Contingent Liabilities: 0
Book Value per Share: 157.67
Face Value: 10.00

Mar 2018

Equity Capital: 19
: 569
: 50
Trade Payables: 2
: 504
Total Liabilities: 1,145
: 6
: 0
Cash & Bank: 131
: 1,007
Total Assets: 1,145
Total Debt: 546
Net Working Capital: 76
Contingent Liabilities: 0
Book Value per Share: 307.08
Face Value: 10.00
Total Debt: 546
Net Working Capital: 76
Contingent Liabilities: 0
Book Value per Share: 307.08
Face Value: 10.00

Mar 2019

Equity Capital: 24
: 1,336
: 9
Trade Payables: 3
: 963
Total Liabilities: 2,335
: 9
: 0
Cash & Bank: 220
: 2,106
Total Assets: 2,335
Total Debt: 955
Net Working Capital: 191
Contingent Liabilities: 0
Book Value per Share: 569.14
Face Value: 10.00
Total Debt: 955
Net Working Capital: 191
Contingent Liabilities: 0
Book Value per Share: 569.14
Face Value: 10.00

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
	-20	-51	-271	-476	-951
Cash from Investing	-0	-5	-2	16	14
Cash from Financing	37	46	440	408	1,025
	17	-10	167	-53	88
Free Cash Flow	-20	-53	-275	-478	-958
OCF / Net Profit	-2.00	-3.71	-13.80	-8.91	-6.07
Cumulative 5-Year FCF	0	0	0	0	0
OCF / Net Profit	-2.00	-3.71	-13.80	-8.91	-6.07
Cumulative 5-Year FCF	0	0	0	0	0

Mar 2015

: -20
Cash from Investing: -0
Cash from Financing: 37
: 17
Free Cash Flow: -20
OCF / Net Profit: -2.00
Cumulative 5-Year FCF: 0
OCF / Net Profit: -2.00
Cumulative 5-Year FCF: 0

Mar 2016

: -51
Cash from Investing: -5
Cash from Financing: 46
: -10
Free Cash Flow: -53
OCF / Net Profit: -3.71
Cumulative 5-Year FCF: 0
OCF / Net Profit: -3.71
Cumulative 5-Year FCF: 0

Mar 2017

: -271
Cash from Investing: -2
Cash from Financing: 440
: 167
Free Cash Flow: -275
OCF / Net Profit: -13.80
Cumulative 5-Year FCF: 0
OCF / Net Profit: -13.80
Cumulative 5-Year FCF: 0

Mar 2018

: -476
Cash from Investing: 16
Cash from Financing: 408
: -53
Free Cash Flow: -478
OCF / Net Profit: -8.91
Cumulative 5-Year FCF: 0
OCF / Net Profit: -8.91
Cumulative 5-Year FCF: 0

Mar 2019

: -951
Cash from Investing: 14
Cash from Financing: 1,025
: 88
Free Cash Flow: -958
OCF / Net Profit: -6.07
Cumulative 5-Year FCF: 0
OCF / Net Profit: -6.07
Cumulative 5-Year FCF: 0

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019
PER SHARE	-	-	-	-	-
EPS (₹)	9.73	12.82	13.76	27.88	65.55
Book Value (₹)	69.85	85.34	157.67	307.08	569.14
Dividend per Share (₹)	1.62	0.00	0.00	0.00	0.00
Cash EPS (₹)	10.08	13.30	14.40	29.24	67.30
PROFITABILITY	-	-	-	-	-
Operating Margin %	78.60%	76.39%	66.81%	67.01%	73.13%
Net Margin %	30.08%	29.65%	23.45%	26.64%	38.31%
ROE %	13.93%	16.88%	12.41%	13.14%	16.08%
ROCE %	16.10%	18.40%	12.22%	14.51%	17.05%
	5.75%	6.91%	4.29%	5.82%	9.00%
EFFICIENCY	-	-	-	-	-
Debtor Days	0	0	0	0	0
Inventory Days	0	0	0	0	0
Payable Days	0	0	0	0	0
	0	0	0	0	0
FINANCIAL HEALTH	-	-	-	-	-
Debt to Equity (x)	1.23x	1.41x	2.02x	0.93x	0.70x
Interest Coverage (x)	2.47x	2.48x	2.31x	2.30x	3.86x
	1.24x	1.41x	2.19x	2.24x	6.32x
GROWTH	-	-	-	-	-
Revenue Growth %	0.00%	40.30%	80.80%	139.77%	103.81%
Operating Profit Growth %	0.00%	36.34%	58.14%	140.48%	122.41%
Net Profit Growth %	0.00%	38.29%	43.02%	172.38%	193.09%
	0.00%	0.00%	0.00%	0.00%	0.00%
VALUATION	-	-	-	-	-
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x

Mar 2015

EPS (₹): 9.73
Book Value (₹): 69.85
Dividend per Share (₹): 1.62
Cash EPS (₹): 10.08
Operating Margin %: 78.60%
Net Margin %: 30.08%
ROE %: 13.93%
ROCE %: 16.10%
: 5.75%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 1.23x
Interest Coverage (x): 2.47x
: 1.24x
Revenue Growth %: 0.00%
Operating Profit Growth %: 0.00%
Net Profit Growth %: 0.00%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2016

EPS (₹): 12.82
Book Value (₹): 85.34
Dividend per Share (₹): 0.00
Cash EPS (₹): 13.30
Operating Margin %: 76.39%
Net Margin %: 29.65%
ROE %: 16.88%
ROCE %: 18.40%
: 6.91%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 1.41x
Interest Coverage (x): 2.48x
: 1.41x
Revenue Growth %: 40.30%
Operating Profit Growth %: 36.34%
Net Profit Growth %: 38.29%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2017

EPS (₹): 13.76
Book Value (₹): 157.67
Dividend per Share (₹): 0.00
Cash EPS (₹): 14.40
Operating Margin %: 66.81%
Net Margin %: 23.45%
ROE %: 12.41%
ROCE %: 12.22%
: 4.29%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 2.02x
Interest Coverage (x): 2.31x
: 2.19x
Revenue Growth %: 80.80%
Operating Profit Growth %: 58.14%
Net Profit Growth %: 43.02%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2018

EPS (₹): 27.88
Book Value (₹): 307.08
Dividend per Share (₹): 0.00
Cash EPS (₹): 29.24
Operating Margin %: 67.01%
Net Margin %: 26.64%
ROE %: 13.14%
ROCE %: 14.51%
: 5.82%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.93x
Interest Coverage (x): 2.30x
: 2.24x
Revenue Growth %: 139.77%
Operating Profit Growth %: 140.48%
Net Profit Growth %: 172.38%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2019

EPS (₹): 65.55
Book Value (₹): 569.14
Dividend per Share (₹): 0.00
Cash EPS (₹): 67.30
Operating Margin %: 73.13%
Net Margin %: 38.31%
ROE %: 16.08%
ROCE %: 17.05%
: 9.00%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.70x
Interest Coverage (x): 3.86x
: 6.32x
Revenue Growth %: 103.81%
Operating Profit Growth %: 122.41%
Net Profit Growth %: 193.09%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Shareholding Pattern

Numbers in percentages

TRADES

	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

Jun 2024

: 26.51
: 57.45
: 6.07
Government: 0.00
: 9.96

Sep 2024

: 21.59
: 56.70
: 8.98
Government: 0.00
: 12.73

Dec 2024

: 21.55
: 57.76
: 10.10
Government: 0.00
: 10.59

Mar 2025

: 21.47
: 58.75
: 9.09
Government: 0.00
: 10.68

Jun 2025

: 21.47
: 58.13
: 9.48
Government: 0.00
: 10.93

Sep 2025

: 18.57
: 55.80
: 12.16
Government: 0.00
: 13.46

Dec 2025

: 18.56
: 52.95
: 14.74
Government: 0.00
: 13.76

Mar 2026

: 18.61
: 48.48
: 17.58
Government: 0.00
: 15.34

Jun 2026

: 18.61
: 43.97
: 22.35
Government: 0.00
: 15.07

Documents

Announcements

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.
Copy of Newspaper Publication
2026-08-07 - Advertisement regarding the dispatch of Annual Report and Notice of the 42nd AnnualGeneral Meeting.

Annual Reports

Credit Ratings

Nothing filed yet.

Concalls

Jul 2026
Transcript PPTREC
May 2026
TranscriptPPTREC
Apr 2026
TranscriptPPTREC