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10 Yrs X-Ray 
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About
Five-Star Business Finance Ltd (FIVESTAR)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543663 NSE: FIVESTAR Finance - NBFC | Small Cap | Five Star Business Share Price
₹542.95 -10.20 (-1.84%)
As on 07-Aug'26 16:59
Five-Star Business Finance Ltd (FIVESTAR)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 543663 NSE: FIVESTAR Finance - NBFC | Small Cap | Five Star Business Share Price
₹542.95 -10.20 (-1.84%)
As on 07-Aug'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹16,027 Cr.
Current Price
₹543
52-Week Low / High
₹338 / 666
TTM EPS
₹37.4
Book Value per Share
₹258.2
P/E Ratio
14.52
Lower than its 5-year historical median
Industry PE
28.3
Price to Book (P/B)
2.10
Lower than its 5-year historical median
EV/EBITDA
9.94
Lower than its 5-year historical median
Dividend Yield
0.37%
Profitability Efficiency
Return on Equity (ROE)
16.14%
Return on Capital Employed (ROCE)
14.79%
Return on Assets (ROA)
7.32%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
13.81%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
17.05%
Asset Quality
Gross NPA(%)
3.37%
Net NPA(%)
2.00%
TTM Sales
₹3,260 Cr.
Reserves
₹7,592 Cr.
Equity
₹29.5 Cr.
Face Value
₹1
All Time Low / High
₹338.05 / 943.20
Check Before You Invest
Quality
Very GoodValuation
FairCheck Valuation charts
Price Trend
Strong
Is Five-Star Business Finance Ltd a good quality company?
Five-Star Business Finance Ltd is a good quality company, based on a consistently good multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Five-Star Business Finance Ltd performance compare with that of its Peers?
AUM Growth of Five-Star Business Finance Ltd vs Industry Peers?
Five-Star Business Finance Ltd AUM CAGR is 22.23%, compared to the 5-year industry median CAGR of 9.82%, indicating faster growth and gaining its market share.
Promoter shareholding and pledge status of Five-Star Business Finance Ltd?
Promoters hold 18.61% of the Five-Star Business Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Five-Star Business Finance Ltd over the last decade?
Over the last 3 years, the stock has delivered a CAGR of -10.62% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Five-Star Business Finance Ltd has performed well in majority of the past ten years indicating its past ten year financial track record is very good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 83.1 | 196 | 409 | 787 | 1,050 | 1,254 | 1,521 | 2,183 | 2,848 | 3,218 | 3,260 | |
| YoY Gr. Rt. % | - | 136.3% | 108.3% | 92.4% | 33.4% | 19.5% | 21.3% | 43.5% | 30.5% | 13% | - | |
| Adj EPS (₹ ) | 13.6 | 28.3 | 65.6 | 102.4 | 140 | 15.6 | 20.7 | 28.6 | 36.4 | 37.2 | 37.4 | |
| YoY Gr. Rt. % | - | 108.4% | 131.6% | 56.2% | 36.7% | -88.9% | 33% | 38% | 27.5% | 2.2% | - | |
| BVPS (₹ ) | 157.4 | 307.2 | 569.1 | 758.5 | 897 | 126.2 | 146.8 | 175.8 | 212.7 | 249 | 258.2 | |
| YoY Gr. Rt. % | - | 95.2% | 85.2% | 33.3% | 18.3% | -85.9% | 16.4% | 19.7% | 21% | 17.1% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 4.1 | 5.9 | 9.1 | 7.9 | 7.1 | 7.5 | 8.1 | 8.3 | 8.3 | 7.3 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 50.1% | 25.1% | 28.4% | 13% | ||||
| Adj EPS | 11.9% | -23.3% | 21.6% | 2.2% | ||||
| BVPS | 5.2% | -22.6% | 19.3% | 17.1% | ||||
| Share Price | - | - | -11.1% | -6.4% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 23.3 | 27.6 | 38.3 | 33.3 | 34.2 | 36.2 | 39.7 | 38.3 | 37.7 | 34.1 | 33.9 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 12.3 | 13.3 | 16.1 | 15.9 | 16.9 | 15.2 | 15.2 | 17.8 | 18.8 | 16.1 | 14.5 | |
Valuation of Five Star Business - Standalone
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 86 | 197 | 409 | 787 | 1,051 | 1,256 | 1,529 | 2,195 | 2,866 | 3,246 |
| Exceptional Items ⓘ | 3 | 1 | 0 | 1 | 2 | 2 | 8 | 12 | 18 | 28 |
| Expenditure ⓘ + | 55 | 121 | 190 | 438 | 575 | 652 | 724 | 1,079 | 1,435 | 1,783 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax ⓘ | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1,116 | 1,431 | 1,463 |
| Taxes ⓘ | 11 | 21 | 62 | 87 | 117 | 151 | 201 | 280 | 358 | 364 |
| Profit After Tax | 19 | 54 | 157 | 262 | 359 | 454 | 603 | 836 | 1,072 | 1,099 |
| Adjusted EPS (₹) | 13.6 | 28.3 | 65.6 | 102.4 | 140.0 | 15.6 | 20.7 | 28.6 | 36.4 | 37.2 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 5.50% | 5.40% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 224 | 592 | 1,365 | 1,945 | 2,318 | 3,710 | 4,340 | 5,196 | 6,297 | 7,378 |
| Short term borrowings | 47 | 50 | 9 | 0 | 2 | 74 | 67 | 1,560 | 1,974 | 2,592 |
| Long Term Borrowings | 335 | 473 | 939 | 2,338 | 3,389 | 2,441 | 4,130 | 4,718 | 5,930 | 5,618 |
| Current Liabilities | 148 | 61 | 31 | 42 | 50 | 145 | 180 | 1,702 | 2,098 | 2,706 |
| Trade Payables | 3 | 2 | 3 | 7 | 9 | 13 | 20 | 25 | 27 | 32 |
| Other Liabilities | -50 | -52 | -12 | -7 | -11 | -87 | -87 | -1,585 | -1,992 | -2,622 |
| Total Liabilities ⓘ | 707 | 1,127 | 2,335 | 4,325 | 5,757 | 6,296 | 8,650 | 11,616 | 14,333 | 15,704 |
Assets | ||||||||||
| Non Current Asset + | 408 | 998 | 2,112 | 3,868 | 4,397 | 5,286 | 6,986 | 9,903 | 12,182 | 13,549 |
| Current Asset + | 299 | 129 | 223 | 457 | 1,360 | 1,010 | 1,664 | 1,713 | 2,151 | 2,155 |
| Total Assets ⓘ | 707 | 1,127 | 2,335 | 4,325 | 5,757 | 6,296 | 8,650 | 11,616 | 14,333 | 15,704 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -261 | -457 | -951 | -1,523 | -157 | -277 | -1,123 | -2,122 | -1,045 | -264 |
| Cash Flow From Investing Activity ⓘ | 1 | 11 | 14 | -132 | 102 | -384 | 162 | 210 | -586 | 228 |
| Cash Flow From Financing Activity ⓘ | 437 | 393 | 1,025 | 1,725 | 1,033 | 7 | 1,688 | 2,106 | 1,593 | 157 |
| Net Cash Flow ⓘ | 177 | -53 | 88 | 70 | 977 | -654 | 727 | 194 | -38 | 121 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 13.60 | 28.30 | 65.60 | 102.40 | 140 | 15.60 | 20.70 | 28.60 | 36.40 | 37.20 |
| DPS (₹) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2 | 2 |
| BVPS (₹) | 157.4 | 307.2 | 569.1 | 758.5 | 897 | 126.2 | 146.8 | 175.8 | 212.7 | 249 |
Performance Ratios | ||||||||||
| ROA (%) | 4.1 | 5.9 | 9.1 | 7.9 | 7.1 | 7.5 | 8.1 | 8.3 | 8.3 | 7.3 |
| ROE (%) | 12.3 | 13.3 | 16.1 | 15.9 | 16.9 | 15.2 | 15.2 | 17.8 | 18.8 | 16.1 |
| ROCE (%) | 12.2 | 14.5 | 17.1 | 17.1 | 16.0 | 15.1 | 14.4 | 15.8 | 16.3 | 14.8 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 3.7 | 4.1 | 3.4 | 1.4 |
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Five-Star Business Finance Ltd FAQs
The current trading price of Five Star Business on 07-Aug-2026 16:59 is ₹543.0.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 06-Aug-2026 the market cap of Five Star Business stood at ₹16,027.2 Cr
The latest P/E ratio of Five Star Business as of 06-Aug-2026 is 14.52.
The latest P/B ratio of Five Star Business as of 06-Aug-2026 is 2.10.
The 52-week high of Five Star Business is ₹666.0 and the 52-week low is ₹338.1.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Five Star Business is ₹3,260 ( Cr.) .
Past 10 year's financial track record analysis by Moneyworks4me indicates that Five-Star Business Finance Ltd is a good quality company.
The key valuation ratios of Five-Star Business Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Five-Star Business Finance Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
About Five-Star Business Finance Ltd
The Company was incorporated as Five-Star Business Credits Private Limited at Chennai, Tamil Nadu as a private limited company under the Companies Act, 1956, pursuant to a certificate of incorporation dated May 7, 1984, issued by the Registrar of Companies, Tamil Nadu at Chennai (RoC). The Company was converted from a private limited company to a public limited company pursuant to board resolution dated September 7, 1988 and special resolution passed by the Shareholders at the EGM dated October 3, 1988. Consequently, the name of the Company was changed from ‘Five-Star Business Credits Private Limited’ to ‘Five-Star Business Credits Limited’ and the certificate of incorporation was amended on October 3, 1988. The name of the Company was subsequently changed to ‘Five-Star Business Finance Limited’ pursuant to board resolution dated March 25, 2015 and special resolution passed by the Shareholders at the EGM held on April 12, 2016, and a fresh certificate of incorporation consequent upon change of name was issued by the RoC on May 13, 2016.
Five Star Business Finance is an NBFC-ND-SI (Non-Banking Finance Company) providing secured business loans to micro-entrepreneurs and self-employed individuals. It is headquartered in Chennai, Tamil Nadu with a strong presence in south India and all of its loans are secured by its borrowers’ property, predominantly being SORP. The company has developed a business model that is predicated on arriving at an appropriate risk framework, with the optimal instalment to income ratio to ensure that its customers have the necessary means to repay the loan after meeting their regular obligations and other event-based capital requirements. The company’s growth is primarily volume led through increasing its customer base while keeping the ATS stable, and it expects this to continue.
The company started operations in Chennai, Tamil Nadu and have increased the scale of its operations through growth in number of branches by adopting a calibrated strategy of contiguous expansion across geographies where there is substantial demand for its offering. Such contiguous expansion is underpinned by utilizing neighboring branches to evaluate local credit environments combined with its focus on hiring local staff with an understanding of the catchment area, strong local personal and professional networks and the market.
Business area of the company
The company is a Systemically Important Non-Deposit taking Non-Banking Financial Company (NBFC-ND-SI) providing secured business loans to micro-entrepreneurs and self-employed individuals, each of whom are largely excluded by traditional financing institutions.
Key events
- 1984: Incorporation of the Company.
- 1988: Conversion from a private limited company to a public limited company.
- 2006: Rearranged portfolio for advances by moving focus to financing in immoveable properties.
- 2010: Loan book crossed Rs 250.00 million.
- 2013: Opened 25th branch.
- 2014: Expanded geographical presence outside Tamil Nadu to Karnataka and Andhra Pradesh.
- 2014: Investment of Rs 170.00 million by Matrix Holdings.
- 2014: Loan book crossed Rs 1,000 million.
- 2015: Investment of Rs 156.00 million by Matrix Holdings.
- 2017: Crossed 100 branches.
- 2017: Expanded geographical presence to Telangana.
- 2020: Crossed 200 branches.
- 2021: Loan book crossed Rs 40,000 million.
- 2022: Loan book crossed Rs 50,000 million.
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