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

₹ 631 -1.63%
22 Nov - 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 Limited is one of the fastest growing (65% CAGR between FY17 -FY21) NBFC-ND-SI providing secured business loans to microentrepreneurs and self-employed individuals.

Website BSE NSE
  • Market Cap ₹ 18,465 Cr.
  • Current Price ₹ 631
  • High / Low ₹ 944 / 600
  • Stock P/E 19.0
  • Book Value ₹ 196
  • 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
  • Promoter holding has decreased over last quarter: -4.92%

* 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 250 BSE Financial Services BSE 400 MidSmallCap Index BSE 250 SmallCap Index BSE Allcap

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
308 317 326 338 361 387 436 480 519 567 616 666 702
73 86 101 84 104 119 133 137 144 145 161 169 178
Operating Profit 235 232 225 253 256 267 303 344 375 423 455 498 524
OPM % 76% 73% 69% 75% 71% 69% 70% 72% 72% 74% 74% 75% 75%
0 1 1 1 1 2 4 3 4 3 3 3 4
Interest 78 72 63 65 61 63 77 96 106 129 138 158 163
Depreciation 3 3 4 4 4 5 5 5 6 7 7 6 7
Profit before tax 155 157 159 186 193 202 224 246 267 290 313 336 358
Tax % 24% 25% 26% 25% 25% 25% 25% 25% 25% 25% 25% 25% 25%
118 118 118 139 144 151 169 184 199 217 236 252 268
EPS in Rs 46.70 4.07 4.05 4.79 4.95 5.18 5.80 6.30 6.84 7.42 8.07 8.60 9.16
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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
86 196 402 787 1,050 1,254 1,521 2,183 2,552
30 64 107 210 237 337 439 582 652
Operating Profit 55 133 294 577 813 917 1,082 1,600 1,900
OPM % 64% 68% 73% 73% 77% 73% 71% 73% 74%
0 1 1 1 1 2 8 12 13
Interest 24 55 73 218 327 302 268 472 588
Depreciation 1 3 4 10 11 12 17 25 27
Profit before tax 31 76 218 349 476 604 805 1,116 1,297
Tax % 37% 28% 28% 25% 25% 25% 25% 25%
19 54 156 262 359 454 604 836 972
EPS in Rs 13.58 28.30 65.40 103.80 142.26 15.57 20.71 28.58 33.25
Dividend Payout % 0% 0% 0% 0% 0% 0% 0% 0%
Compounded Sales Growth
10 Years: %
5 Years: 40%
3 Years: 28%
TTM: 40%
Compounded Profit Growth
10 Years: %
5 Years: 40%
3 Years: 33%
TTM: 38%
Stock Price CAGR
10 Years: %
5 Years: %
3 Years: %
1 Year: -20%
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
452 528 922 2,364 3,425 2,559 4,247 6,316 6,880
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
Debtor Days 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0
Working Capital Days 375 7 -18 -14 -11 -12 -14 -15
ROCE % 15% 17% 17% 16% 15% 14% 16%

Shareholding Pattern

Numbers in percentages

74 Recently
Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
34.87% 34.87% 34.39% 31.30% 26.54% 26.51% 26.51% 21.59%
6.54% 6.98% 8.74% 50.22% 54.28% 56.06% 57.45% 56.70%
5.62% 5.05% 4.71% 7.52% 7.82% 6.97% 6.07% 8.99%
52.96% 53.10% 52.15% 10.97% 11.36% 10.44% 9.96% 12.71%
No. of Shareholders 27,69026,48130,65540,12151,90650,44248,89758,902

* 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

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