Five-Star Business Finance Ltd

Five-Star Bus.Fi Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Five-Star Business Finance Ltd

₹ 704 -2.22%
25 Mar - close price
fivestargroup.in BSE: 543663 NSE: FIVESTAR
About

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]

Key Points

Leading NBFC in South India[1] Five-Star Business Finance is one of the fastest growing (20.5% CAGR between FY20 -FY24)[2] NBFC-ND-SI providing secured business loans to microentrepreneurs and self-employed individuals.

Website BSE NSE
  • Market Cap ₹ 20,736 Cr.
  • Current Price ₹ 704
  • High / Low ₹ 944 / 626
  • Stock P/E 20.1
  • Book Value ₹ 195
  • Dividend Yield 0.00 %
  • ROCE 15.8 %
  • ROE 17.5 %
  • Face Value ₹ 1.00
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Pros

  • Company is expected to give good quarter
  • Company has delivered good profit growth of 39.8% CAGR over last 5 years

Cons

  • Though the company is reporting repeated profits, it is not paying out dividend

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of Nifty Smallcap 100 BSE 250 SmallCap Index Nifty 500 BSE 400 MidSmallCap Index BSE Allcap

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024
Revenue 317 326 338 361 387 436 480 519 567 616 666 702 727
Interest 72 63 65 61 63 77 96 106 129 138 158 163 171
86 101 84 104 119 133 137 144 145 161 169 178 186
Financing Profit 159 162 189 196 204 226 248 269 294 318 339 361 370
Financing Margin % 50% 50% 56% 54% 53% 52% 52% 52% 52% 52% 51% 51% 51%
1 1 1 1 2 4 3 4 3 3 3 4 4
Depreciation 3 4 4 4 5 5 5 6 7 7 6 7 8
Profit before tax 157 159 186 193 202 224 246 267 290 313 336 358 365
Tax % 25% 26% 25% 25% 25% 25% 25% 25% 25% 25% 25% 25% 25%
118 118 139 144 151 169 184 199 217 236 252 268 274
EPS in Rs 4.07 4.05 4.79 4.95 5.18 5.80 6.30 6.84 7.42 8.07 8.60 9.16 9.33
Gross NPA % 1.62%
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
Revenue 86 196 402 787 1,050 1,254 1,521 2,183 2,712
Interest 24 55 73 218 327 302 268 472 630
30 64 107 210 237 337 439 582 694
Financing Profit 31 78 221 359 486 614 814 1,128 1,388
Financing Margin % 37% 40% 55% 46% 46% 49% 54% 52% 51%
0 1 1 1 1 2 8 12 14
Depreciation 1 3 4 10 11 12 17 25 29
Profit before tax 31 76 218 349 476 604 805 1,116 1,373
Tax % 37% 28% 28% 25% 25% 25% 25% 25%
19 54 156 262 359 454 604 836 1,029
EPS in Rs 13.58 28.30 65.40 103.80 142.26 15.57 20.71 28.58 35.16
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 40%
3 Years: 28%
TTM: 35%
Compounded Profit Growth
10 Years: %
5 Years: 40%
3 Years: 33%
TTM: 34%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -2%
Return on Equity
10 Years: %
5 Years: 16%
3 Years: 16%
Last Year: 18%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 14 19 24 26 26 29 29 29 29
Reserves 210 573 1,341 1,919 2,293 3,681 4,310 5,167 5,694
Deposits 0 0 0 0 0 0 0 0 0
Borrowing 428 530 926 2,385 3,448 2,496 4,182 6,261
14 14 31 45 50 74 116 177 217
Total Liabilities 690 1,134 2,317 4,353 5,794 6,343 8,703 11,689 12,820
5 0 10 28 25 33 45 64 72
CWIP 2 0 0 0 0 0 0 0 0
Investments 15 15 15 0 0 248 145 108 205
669 1,119 2,293 4,325 5,769 6,062 8,513 11,517 12,542
Total Assets 690 1,134 2,317 4,353 5,794 6,343 8,703 11,689 12,820

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-457 -940 -1,523 -157 -277 -1,123 -2,122
10 14 -132 102 -384 162 210
393 1,010 1,725 1,033 7 1,688 2,106
Net Cash Flow -53 84 70 977 -654 727 194

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
ROE % 13% 16% 16% 17% 15% 15% 18%

Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
34.87% 34.87% 34.39% 31.30% 26.54% 26.51% 26.51% 21.59% 21.55%
6.54% 6.98% 8.74% 50.22% 54.28% 56.06% 57.45% 56.70% 57.76%
5.62% 5.05% 4.71% 7.52% 7.82% 6.97% 6.07% 8.99% 10.10%
52.96% 53.10% 52.15% 10.97% 11.36% 10.44% 9.96% 12.71% 10.60%
No. of Shareholders 27,69026,48130,65540,12151,90650,44248,89758,90271,229

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Documents

Announcements

Annual reports

DRHP

Credit ratings

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