Five-Star Business Finance Ltd (FIVESTAR)
₹535.20
Mkt cap
₹15,798 Cr
P/E ratio
14.40
P/B
2.14
Div yield
0.37%
ROE
16.10%
ROCE
14.80%
EPS (TTM)
₹37.17
Book value
₹250
52W range
347–733
Sector
Financial Services
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]
Health check
Constructive
ValuationCheap
ProfitabilityAverage
TechnicalsNeutral
52-week range
−26.99% from high₹535
₹347+54.10% from low₹733
Current
₹535.20
Prev close
₹535.30
Day
−0.02%
Price performance
1D
−0.02%
1W
−6.19%
1M
+7.69%
3M
+8.50%
6M
+4.97%
1Y
−28.06%
YTD
+0.55%
Financials
FRevenue, profit & margin
P/E ratio
14.4×
FIVESTAR is 31% below the sector median of 20.9×
FIVESTAR14.4×
Sector median20.9×
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Trend | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 436 | 480 | 519 | 567 | 616 | 666 | 702 | 727 | 752 | 787 | 799 | 815 | 817 | |
| Interest | 77 | 96 | 106 | 129 | 138 | 158 | 163 | 171 | 175 | 187 | 180 | 189 | 181 | |
| Expenses | 133 | 137 | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 | 236 | 255 | 277 | |
| Financing Profit | 226 | 248 | 269 | 294 | 318 | 339 | 361 | 370 | 373 | 359 | 384 | 371 | 358 | |
| Financing Margin % | 52% | 52% | 52% | 52% | 52% | 51% | 51% | 51% | 50% | 46% | 48% | 46% | 44% | |
| Other Income | 4 | 3 | 4 | 3 | 3 | 3 | 4 | 4 | 7 | 5 | 7 | 7 | 9 | |
| Depreciation | 5 | 5 | 6 | 7 | 7 | 6 | 7 | 8 | 9 | 8 | 9 | 10 | 10 | |
| Profit before tax | 224 | 246 | 267 | 290 | 313 | 336 | 358 | 365 | 371 | 355 | 382 | 369 | 357 | |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | |
| Net Profit | 169 | 184 | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 | 286 | 277 | 269 | |
| EPS in Rs | 5.80 | 6.30 | 6.84 | 7.42 | 8.07 | 8.60 | 9.16 | 9.33 | 9.48 | 9.04 | 9.72 | 9.41 | 9.12 | |
| Gross NPA % | 1.47% | 1.62% | 1.79% | 2.46% | 2.64% | 3.18% | 3.37% | |||||||
| Net NPA % | 0.71% | 0.81% | 0.88% | 1.25% | 1.46% | 1.94% | 2.00% | |||||||
| Raw PDF |
Earnings
EResults dates & reactionsNext results
25 Jul '26
Fresh quarters land in the Financials table above, tagged NSE until screener catches up.
Avg earnings-day move −1.11% · closed higher next day 8 of last 14
| Q1FY24 | Q2FY24 | Q3FY24 | Q4FY24 | Q1FY25 | Q2FY25 | Q3FY25 | Q4FY25 | Q1FY26 | Q2FY26 | Q3FY26† | Q4FY26 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Broadcast | 29 Jul '23◦ | 31 Oct '23◦ | 1 Feb '24 | 30 Apr '24◦ | 31 Jul '24◦ | 29 Oct '24◦ | 31 Jan '25◦ | 29 Apr '25◦ | 28 Jul '25◦ | 29 Oct '25 | 1 May '26◦ | 28 Apr '26◦ |
| Earnings day | +1.03% | +0.35% | −0.62% | −2.65% | +0.97% | −12.75% | −5.82% | −6.43% | −3.10% | +12.66% | +0.43% | −0.46% |
| +1 day | −0.45% | +1.71% | +1.80% | +2.16% | +2.71% | −18.91% | −8.17% | −7.68% | −8.89% | +19.68% | +0.45% | −4.18% |
| +5 days | +5.27% | +4.67% | +0.87% | −5.35% | −4.05% | −25.39% | −2.32% | −9.91% | −10.12% | +16.25% | −2.06% | −5.44% |
| +15 days | +8.94% | +8.74% | −5.26% | −5.13% | −2.35% | −25.99% | −11.67% | −8.81% | −13.27% | +10.51% | −4.89% | −11.06% |
| +30 days | −4.98% | −1.84% | −18.99% | +5.11% | −0.88% | −19.64% | −14.96% | +4.02% | −20.91% | +5.71% | −3.15% | −12.25% |
| Filing | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL | XBRL |
Corporate actions
CLast 6 months| Kind | Value | Ex-date | Record |
|---|---|---|---|
| dividend Dividend - Rs 2 Per Share | 2.00 | 31 Jul '26 | 31 Jul '26 |
Shareholding
Sas of Jun 202618.61%Promoter
Promoters18.61%
FIIs43.97%4.51
DIIs22.35%4.77
Public15.07%0.27
Ownership trend
Peers
P8 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 | ₹1,012.80 | 32.80 | 6,30,565 | 0.53% | 5,553 | +21.99% | 21,606 | +18.10% | 10.87% |
| Shriram Finance | ₹1,005.10 | 20.90 | 2,36,495 | 1.07% | 3,453 | +59.89% | 13,400 | +16.16% | 11.49% |
| Cholaman.Inv.&Fn | ₹1,724.40 | 28.07 | 1,47,032 | 0.12% | 1,645 | +30.62% | 8,417 | +19.46% | 9.71% |
| Tata Capital | ₹341.90 | 29.75 | 1,45,132 | 0.17% | 1,466 | +42.82% | 8,160 | +9.12% | 8.58% |
| Muthoot Finance | ₹2,986.70 | 11.32 | 1,19,907 | 1.00% | 3,397 | +126.67% | 9,289 | +65.23% | 15.77% |
| L&T Finance Ltd | ₹302.40 | 23.66 | 75,771 | 0.91% | 916 | +28.72% | 5,213 | +22.38% | 8.40% |
| SBI Cards | ₹618.75 | 25.88 | 58,883 | 0.40% | 664 | +19.51% | 5,041 | +3.36% | 10.10% |
| Five-Star Bus.Fi | ₹535.20 | 14.38 | 15,798 | 0.37% | 269 | −3.53% | 817 | +8.60% | 14.76% |
| Median: 98 Co. | ₹126.72 | 20.90 | 487 | 0.00% | 5 | +28.93% | 42 | +18.10% | 9.71% |
Filings
DConcall transcripts38
TranscriptMay 2026PPTMay 2026RECMay 2026TranscriptFeb 2026PPTFeb 2026RECFeb 2026TranscriptNov 2025PPTNov 2025RECNov 2025TranscriptAug 2025PPTAug 2025TranscriptMay 2025PPTMay 2025RECMay 2025TranscriptFeb 2025PPTFeb 2025TranscriptNov 2024PPTNov 2024RECNov 2024RECOct 2024TranscriptAug 2024PPTAug 2024RECAug 2024TranscriptMay 2024
Credit ratings6
Announcements5
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 9 JulBoard Meeting Intimation for Intimation About Board Meeting Pursuant To Regulation 29 And 50 Of SEBI (LODR) Regulations, 2015 9 Jul - Board meeting on July 25, 2026 to approve Q1 FY27 unaudited results; trading window closedJuly 1.Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS 6 Jul - Intimation of allotment of 8,180 equity shares pursuant to Employee Stock OptionCompliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018 3 Jul - Certificate under Regulation 74(5) of SEBI(Depositories & Participants)Regulations, 2018 for the Quarter ended June 30, 2026Closure of Trading Window 26 Jun