Five-Star Business Finance Ltd (FIVESTAR)
₹396.85
Mkt cap
₹12,364 Cr
P/E ratio
11.10
P/B
1.48
Div yield
0.48%
ROE
16.10%
ROCE
14.80%
EPS (TTM)
₹35.75
Book value
₹268
52W range
338–666
Sector
Financial Services
Price history
Previous close
Incorporated in 1984, Five Star Business Finance Limited is an NBFC-ND-SI providing secured business loans to micro-entrepreneurs and self-employed individuals across South India. [1]
NSE FIVESTARBSE 543663
Health check
Constructive
ValuationCheap
ProfitabilityAverage
TechnicalsNeutral
52-week range
−40.41% from high₹397
₹338+17.36% from low₹666
Current
₹396.85
Prev close
₹418.85
Day
−5.25%
Price performance
1D
−5.81%
1W
−12.02%
1M
−20.66%
3M
−28.66%
6M
−20.81%
1Y
−26.53%
YTD
−25.44%
Financials
Revenue, profit & margin
P/E ratio
11.1×
FIVESTAR is 40% below the sector median of 18.5×
FIVESTAR11.1×
Sector median18.5×
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 519 | 567 | 616 | 666 | 702 | 727 | 752 | 787 | 799 | 815 | 817 | 829 | 858 | |
| Interest | 106 | 129 | 138 | 158 | 163 | 171 | 175 | 187 | 180 | 189 | 181 | 172 | 168 | |
| Expenses | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 | 236 | 255 | 277 | 296 | 323 | |
| Financing Profit | 269 | 294 | 318 | 339 | 361 | 370 | 373 | 359 | 384 | 371 | 358 | 361 | 368 | |
| Financing Margin % | 52% | 52% | 52% | 51% | 51% | 51% | 50% | 46% | 48% | 46% | 44% | 44% | 43% | |
| Other Income | 4 | 3 | 3 | 3 | 4 | 4 | 7 | 5 | 7 | 7 | 9 | 10 | 17 | |
| Depreciation | 6 | 7 | 7 | 6 | 7 | 8 | 9 | 8 | 9 | 10 | 10 | 9 | 10 | |
| Profit before tax | 267 | 290 | 313 | 336 | 358 | 365 | 371 | 355 | 382 | 369 | 357 | 362 | 375 | |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 20% | |
| Net Profit | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 | 286 | 277 | 269 | 271 | 299 | |
| EPS in Rs | 6.84 | 7.42 | 8.07 | 8.60 | 9.16 | 9.33 | 9.48 | 9.04 | 9.72 | 9.41 | 9.12 | 9.19 | 10.14 | |
| Gross NPA % | 1.47% | 1.62% | 1.79% | 2.46% | 2.64% | 3.18% | 3.37% | 3.46% | 3.48% | |||||
| Net NPA % | 0.71% | 0.81% | 0.88% | 1.25% | 1.46% | 1.94% | 2.00% | 2.10% | 2.14% | |||||
| Raw PDF |
Earnings
Results dates & reactionsNo upcoming results date on calendar.
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −1.64% · closed higher next day 8 of last 16
| Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25† | Q1FY26† | Q2FY26 | Q3FY26† | Q4FY26† | Q1FY27† | Q2FY27 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 1 Feb '24 | 30 Apr '24◦ | 31 Jul '24◦ | 29 Oct '24◦ | 31 Jan '25◦ | 29 Apr '25◦ | 28 Jul '25◦ | 29 Oct '25 | 28 Jan '26◦ | 28 Apr '26◦ | 25 Jul '26◦ | 26 Oct '26◦ |
| Earnings day | −0.62% | −2.65% | +0.97% | −12.75% | −5.82% | −6.43% | −3.10% | +12.66% | −11.52% | −0.46% | +0.94% | +0.36% |
| +1 day | +1.80% | +2.16% | +2.71% | −18.91% | −8.17% | −7.68% | −8.89% | +19.68% | −9.05% | −4.18% | +4.88% | −0.28% |
| +5 days | +0.87% | −5.35% | −4.05% | −25.39% | −2.32% | −9.91% | −10.12% | +16.25% | −10.64% | −5.44% | +3.03% | — |
| +15 days | −5.26% | −5.13% | −2.35% | −25.99% | −11.67% | −8.81% | −13.27% | +10.51% | −11.56% | −11.06% | +0.48% | — |
| +30 days | −18.99% | +5.11% | −0.88% | −19.64% | −14.96% | +4.02% | −20.91% | +5.71% | −29.54% | −12.25% | −1.68% | — |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
Last 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Dividend - Rs 2 Per Share | 2.00 | 31 Jul '26 | 31 Jul '26 |
Shareholding
as of Sep 202618.61%Promoter
Promoters18.61%
FIIs43.54%0.43
DIIs23.54%1.19
Public14.33%0.74
Ownership trend
Peers
8 companiesValuation vs quality
P/E × ROCE · bubble = market cap| Name | CMP | P/E | Mkt Cap | Div Yld | NP Qtr | Qtr Profit Var | Sales Qtr | Qtr Sales Var | ROCE |
|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance | ₹938.90 | 26.73 | 5,84,555 | 0.58% | 6,367 | +28.53% | 24,546 | +22.79% | 10.87% |
| Shriram Finance | ₹841.10 | 15.60 | 1,97,918 | 1.28% | 3,684 | +59.18% | 13,792 | +15.78% | 11.49% |
| Tata Capital | ₹326.35 | 23.10 | 1,38,531 | 0.17% | 1,832 | +51.27% | 9,342 | +20.74% | 8.58% |
| Cholaman.Inv.&Fn | ₹1,604.20 | 22.03 | 1,37,072 | 0.12% | 1,630 | +40.59% | 9,271 | +23.75% | 9.71% |
| Muthoot Finance | ₹2,497.10 | 8.81 | 1,00,251 | 1.20% | 2,825 | +38.83% | 8,672 | +34.44% | 15.80% |
| L&T Finance Ltd | ₹251.05 | 18.28 | 62,923 | 1.10% | 973 | +32.70% | 5,484 | +26.49% | 8.40% |
| SBI Cards | ₹540.00 | 19.70 | 51,389 | 0.46% | 778 | +74.83% | 5,141 | +3.62% | 10.10% |
| Five-Star Bus.Fi | ₹418.85 | 11.07 | 12,364 | 0.48% | 299 | +4.61% | 858 | +7.39% | 14.79% |
| Median: 103 Co. | ₹134.36 | 18.51 | 504 | 0.00% | 11 | +38.16% | 51 | +27.73% | 9.49% |
Filings
Concall transcripts43
PPTOct 2026RECOct 2026TranscriptJul 2026PPTJul 2026RECJul 2026TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026RECFeb 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptAug 2025PPTAug 2025RECAug 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptFeb 2025PPTFeb 2025TranscriptNov 2024PPTNov 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Newspaper Publication 27 Oct - Newspaper Publication - Unaudited Financial Results for the quarter and half year ended September 30, 2026.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 26 Oct - Audio recording of Q2FY27 earnings conference call posted online.Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome 26 Oct - Q2FY27 earnings conference call recording for quarter and half year ended September 30, 2026, uploaded on October 26.Announcement under Regulation 30 (LODR)-Change in Management 26 Oct - Shankar Subramanian appointed Chief Risk Officer effective October 26, 2026; Jayaraman S steps down.Un Audited Financial Results For The Quarter And Half Year Ended September 30, 2026 26 Oct