Five-Star Business Finance Ltd
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]
- Market Cap ₹ 20,233 Cr.
- Current Price ₹ 687
- High / Low ₹ 944 / 595
- Stock P/E 18.9
- Book Value ₹ 214
- Dividend Yield 0.00 %
- ROCE 16.3 %
- ROE 18.6 %
- Face Value ₹ 1.00
Pros
- Company is expected to give good quarter
- Company has delivered good profit growth of 32.6% 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 BSE Diversified Financials Revenue Growth Index (I BSE 500 BSE 250 SmallCap Index BSE Financial Services Nifty Smallcap 100
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
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 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| 86 | 196 | 402 | 787 | 1,050 | 1,254 | 1,521 | 2,183 | 2,848 | |
| Interest | 24 | 55 | 73 | 218 | 327 | 302 | 268 | 472 | 668 |
| 30 | 64 | 107 | 210 | 237 | 337 | 439 | 582 | 737 | |
| Financing Profit | 31 | 78 | 221 | 359 | 486 | 614 | 814 | 1,128 | 1,443 |
| Financing Margin % | 37% | 40% | 55% | 46% | 46% | 49% | 54% | 52% | 51% |
| 0 | 1 | 1 | 1 | 1 | 2 | 8 | 12 | 18 | |
| Depreciation | 1 | 3 | 4 | 10 | 11 | 12 | 17 | 25 | 30 |
| Profit before tax | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1,116 | 1,431 |
| Tax % | 37% | 28% | 28% | 25% | 25% | 25% | 25% | 25% | 25% |
| 19 | 54 | 156 | 262 | 359 | 454 | 604 | 836 | 1,072 | |
| EPS in Rs | 13.58 | 28.30 | 65.40 | 103.80 | 142.26 | 15.57 | 20.71 | 28.58 | 36.43 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 29% |
| 3 Years: | 31% |
| TTM: | 30% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 33% |
| 3 Years: | 33% |
| TTM: | 28% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -8% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 17% |
| 3 Years: | 17% |
| Last Year: | 19% |
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 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| 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 | 6,275 |
| Borrowing | 452 | 528 | 922 | 2,364 | 3,425 | 2,559 | 4,247 | 6,316 | 7,922 |
| 14 | 14 | 31 | 45 | 50 | 74 | 116 | 177 | 194 | |
| Total Liabilities | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 |
| 5 | 0 | 10 | 28 | 25 | 33 | 45 | 64 | 86 | |
| CWIP | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 62 |
| Investments | 15 | 15 | 15 | 0 | 0 | 248 | 145 | 108 | 212 |
| 669 | 1,119 | 2,293 | 4,325 | 5,769 | 6,062 | 8,513 | 11,517 | 14,060 | |
| Total Assets | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 |
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 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| -457 | -940 | -1,523 | -157 | -277 | -1,123 | -2,122 | -1,045 | ||
| 10 | 14 | -132 | 102 | -384 | 162 | 210 | -585 | ||
| 393 | 1,010 | 1,725 | 1,033 | 7 | 1,688 | 2,106 | 1,593 | ||
| Net Cash Flow | -53 | 84 | 70 | 977 | -654 | 727 | 194 | -37 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|
| ROE % | 13% | 16% | 16% | 17% | 15% | 15% | 18% | 19% |
Documents
Announcements
- Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation 22h
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Announcement under Regulation 30 (LODR)-Allotment of ESOP / ESPS
9 May - Of allotment of 7945 equity shares under Employee Stock Option Scheme.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
7 May - Q4 FY25 earnings: 23.2% AUM growth, INR1073 Cr PAT, 748 branches, dividend INR2/share, stable asset quality.
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Announcement under Regulation 30 (LODR)-Newspaper Publication
30 Apr - Newspaper Publication-Audited Financial Results for the year ended March 31,2025.
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Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
30 Apr - Audio recording of Q4 FY25 earnings call available on company's website.
Concalls
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May 2025Transcript PPT REC
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Feb 2025Transcript PPT
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Nov 2024TranscriptPPTREC
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Oct 2024TranscriptNotesPPT REC
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Aug 2024Transcript PPT REC
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May 2024Transcript PPT
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Feb 2024Transcript PPT
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Nov 2023Transcript PPT
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Aug 2023Transcript PPT REC
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May 2023Transcript PPT
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Feb 2023Transcript PPT
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Dec 2022Transcript PPT
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.