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Five-Star Business Finance Limited

Five-Star Business Finance Limited

449.10
INR
-22.45
(-4.76%)
36.72EPS
13.72P/E
148.90BMarket Cap
Oct 26Next Earn
Five-Star Business Finance Limited
BSE:FIVESTAR
(Bombay Stock Exchange)

Recent

price

449.10

P/E

ratio

13.72

div

yld

- -

ROIC.AI

2020
2021
2022
2023
2024
2025
2026
TTM
INR
25.64
34.82
42.32
50.44
71.21
92.36
103.44
109
Revenue per Share
8.99
12.32
15.57
20.71
28.64
36.61
37.31
36.78
Basic EPS, GAAP
-52.61
-5.51
-9.81
-38.95
-73.49
-38.5
-9.84
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
2
- -
Dividend per Share
66.74
79.56
127.34
148.94
177.68
214.13
250.03
- -
Book Value per Share
66.67
79.5
127.31
148.9
177.35
213.89
249.83
- -
Tangible Book Value per Share
291
291
291
291
292
293
294
295
Basic Weighted Avg Shares
7,471
10,144
12,332
14,696
20,781
27,055
30,462
32,125
Sales/Revenue/Turnover
48.59
47.65
50.82
58.11
53.07
53.91
52.3
49.94
Operating Margin (%)
101
114
122
173
246
304
370
371
Depreciation Expense
2,620
3,590
4,535
6,035
8,359
10,725
10,987
10,840
Net Income, GAAP
25.01
24.65
24.94
25.01
25.09
25.03
24.89
24.87
Effective Tax Rate (%)
35.06
35.39
36.78
41.06
40.23
39.64
36.07
33.74
Profit Margin (%)
1,821
8,654
5,526
10,625
16,329
19,498
16,463
- -
Working Capital
17,315
23,794
13,507
28,005
47,559
59,484
56,083
- -
LT Debt
19,446
23,182
37,104
43,395
51,962
63,046
73,802
- -
Total Equity
- -
6.73
7.26
8.57
7.86
8.03
7.01
- -
Return on Invested Capital (%)
- -
7.17
7.58
9
8.55
8.77
7.77
- -
Return on Capital (%)
- -
16.84
15.05
14.99
17.53
18.65
16.06
- -
Return on Common Equity (%)

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
25,922
- -
LT Borrowings
- -
56,083
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
295
295
295
Market Capitalization
161,066
104,093
148,903

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
43,524
- -
Cash, Cash Equivalents & STI
- -
21,246
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
27,061
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
25,922
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
27.03%
17.06%
Free Cash Flow
- -
68.49%
-74.29%
Net Income, GAAP
- -
25.73%
2.45%
Sales/Revenue/Turnover
- -
24.98%
12.59%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6,476
6,860
7,192
7,456
27,055
2026
7,743
- -
8,074
8,096
30,462
2027
8,212
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
8.6
9.16
9.36
9.49
36.61
2026
9.04
- -
9.41
9.14
37.31
2027
9.19
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
2
2027
- -
- -
- -
- -
- -
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Business
Five-Star Business Finance Limited is a non-banking financial company (NBFC-ND-SI) that provides secured small business loans and small mortgage loans to micro-entrepreneurs and self-employed individuals, primarily in South India. The company offers business loans for furthering existing businesses or starting new ventures; mortgage loans for takeovers from other institutions or personal needs including education, medical emergencies, home renovation, marriage, and healthcare; with typical loan amounts ranging from Rs 1 lakh to Rs 10 lakhs over tenures up to seven years, repaid on a monthly equated basis, and backed by collateral such as house property after cash flow underwriting. Incorporated in 1984 and headquartered in Chennai, Tamil Nadu, it operates over 300 branches mainly across South India, serving underserved segments like small shop owners, vendors, and workshops in trading, manufacturing, and services sectors, with a loan portfolio exceeding Rs 12,000 crore, assets under management around Rs 14,000 crore as of fiscal 2025, and a strong credit rating of AA-. Recent developments include receiving INR 78.925 million in funding in October 2024 to bolster its capital base; a major secondary block deal in September 2024 involving the sale of up to 19.22% equity stake worth Rs 4,316.9 crore by investors such as Peak XV Partners; continued network expansion with 33 new branches and 769 additional business and collections officers added in Q2 FY2026; and implementation of enhanced sourcing, underwriting, and collections controls amid 44% year-over-year assets under management growth to support sustained disbursements and portfolio quality.