Share Price and Basic Stock Data
Last Updated: February 2, 2026, 5:22 pm
| PEG Ratio | 0.61 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Five-Star Business Finance Ltd operates as a Non-Banking Financial Company (NBFC) in India, focusing on providing loans to small businesses and individuals. The company reported a revenue of ₹1,521 Cr for the fiscal year ending March 2023, which rose to ₹2,183 Cr for the fiscal year ending March 2024, reflecting a robust growth trajectory. For the trailing twelve months (TTM), revenue stood at ₹3,066 Cr, indicating continued operational momentum. Quarterly revenue data shows a consistent increase, with ₹361 Cr in September 2022 rising to ₹519 Cr by September 2023. This upward trend underscores the company’s effective penetration in the market and its ability to capture growing demand, particularly as it expands its lending portfolio. The financing profit margin remained stable around 51-52% over several quarters, showcasing the company’s effective management of interest costs and operational efficiency.
Profitability and Efficiency Metrics
Five-Star Business Finance Ltd recorded a net profit of ₹1,105 Cr, translating to a net profit margin of 37.65% for the fiscal year ending March 2025, which is significantly higher than typical margins in the NBFC sector. The company’s earnings per share (EPS) also reflected this profitability, rising to ₹36.43 for the same period. The return on equity (ROE) stood at 18.6%, while return on capital employed (ROCE) was reported at 16.3%, both indicators of effective use of shareholder funds and capital. The interest coverage ratio (ICR) of 3.19x suggests that the company can comfortably meet its interest obligations, a crucial factor in the financial stability of an NBFC. However, the gross non-performing assets (NPA) ratio, which reached 2.64% by September 2025, indicates a rising risk in asset quality, necessitating careful monitoring to mitigate potential impacts on profitability.
Balance Sheet Strength and Financial Ratios
Five-Star Business Finance Ltd’s balance sheet exhibits strength, with total assets reported at ₹14,421 Cr as of March 2025, up from ₹11,689 Cr in March 2024. The company’s reserves have also increased to ₹6,777 Cr, providing a strong capital buffer. The total debt to equity ratio stood at 1.26, which is within a manageable range for the NBFC sector, indicating that the company is leveraging debt effectively to finance its operations while maintaining a healthy equity base. The book value per share increased to ₹214.13, reflecting enhanced shareholder value. Additionally, the enterprise value (EV) was ₹27,052.45 Cr, with an EV to net operating revenue ratio of 9.50, suggesting a reasonable valuation compared to its revenue generation capabilities. However, the rising borrowings, which reached ₹8,376 Cr by September 2025, could pose risks if not managed prudently, especially in a fluctuating interest rate environment.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Five-Star Business Finance Ltd indicates a diversified ownership structure, with foreign institutional investors (FIIs) holding 52.95% of the shares, reflecting strong confidence from global investors. Domestic institutional investors (DIIs) accounted for 14.74%, while promoters held 18.56% of the company. This distribution suggests a robust interest from institutional investors, which typically signals confidence in the company’s growth prospects. The number of shareholders has also increased significantly to 91,561, indicating rising retail interest in the company’s stock. However, the declining promoter shareholding from 34.87% in March 2023 to 18.56% in December 2025 raises questions about management’s commitment and could impact investor sentiment. The public shareholding, which now stands at 13.77%, reflects a broad-based ownership that could provide stability in stock performance.
Outlook, Risks, and Final Insight
Looking ahead, Five-Star Business Finance Ltd is well-positioned to capitalize on the growing demand for credit in the Indian market, particularly among small businesses. However, the rising gross NPA ratio poses a significant risk, necessitating a focus on asset quality management to sustain profitability. Additionally, the increasing reliance on borrowings could affect financial flexibility if interest rates rise sharply. The company must also navigate regulatory changes in the NBFC sector, which could impact operational dynamics. On the positive side, if the company successfully manages its asset quality and maintains its growth trajectory, it could enhance shareholder value significantly. Conversely, any deterioration in asset quality or a rise in interest rates could challenge its profitability and market position, highlighting the need for vigilant risk management practices.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 15.3 Cr. | 1.53 | 1.72/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 6.63 Cr. | 0.66 | 5.59/0.62 | 19.5 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 374 Cr. | 55.0 | 125/44.0 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.7 Cr. | 16.0 | 25.5/14.8 | 12.1 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 27.5 Cr. | 61.1 | 146/57.6 | 14.9 | 238 | 1.64 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 27,029.35 Cr | 391.20 | 52.41 | 514.98 | 0.24% | 15.81% | 8.84% | 8.50 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 387 | 436 | 480 | 519 | 567 | 616 | 666 | 702 | 727 | 752 | 787 | 799 | 815 |
| Interest | 63 | 77 | 96 | 106 | 129 | 138 | 158 | 163 | 171 | 175 | 187 | 180 | 189 |
| Expenses | 119 | 133 | 137 | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 | 236 | 255 |
| Financing Profit | 204 | 226 | 248 | 269 | 294 | 318 | 339 | 361 | 370 | 373 | 359 | 384 | 371 |
| Financing Margin % | 53% | 52% | 52% | 52% | 52% | 52% | 51% | 51% | 51% | 50% | 46% | 48% | 46% |
| Other Income | 2 | 4 | 3 | 4 | 3 | 3 | 3 | 4 | 4 | 7 | 5 | 7 | 7 |
| Depreciation | 5 | 5 | 5 | 6 | 7 | 7 | 6 | 7 | 8 | 9 | 8 | 9 | 10 |
| Profit before tax | 202 | 224 | 246 | 267 | 290 | 313 | 336 | 358 | 365 | 371 | 355 | 382 | 369 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% |
| Net Profit | 151 | 169 | 184 | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 | 286 | 277 |
| EPS in Rs | 5.18 | 5.80 | 6.30 | 6.84 | 7.42 | 8.07 | 8.60 | 9.16 | 9.33 | 9.48 | 9.04 | 9.72 | 9.41 |
| Gross NPA % | 1.47% | 1.62% | 1.79% | 2.46% | 2.64% | ||||||||
| Net NPA % | 0.71% | 1.25% | 1.46% |
Last Updated: February 2, 2026, 12:16 am
Below is a detailed analysis of the quarterly data for Five-Star Business Finance Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Interest, as of Dec 2025, the value is 189.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 180.00 Cr. (Sep 2025) to 189.00 Cr., marking an increase of 9.00 Cr..
- For Expenses, as of Dec 2025, the value is 255.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 236.00 Cr. (Sep 2025) to 255.00 Cr., marking an increase of 19.00 Cr..
- For Other Income, as of Dec 2025, the value is 7.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 7.00 Cr..
- For Depreciation, as of Dec 2025, the value is 10.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9.00 Cr. (Sep 2025) to 10.00 Cr., marking an increase of 1.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 369.00 Cr.. The value appears to be declining and may need further review. It has decreased from 382.00 Cr. (Sep 2025) to 369.00 Cr., marking a decrease of 13.00 Cr..
- For Tax %, as of Dec 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 25.00%.
- For Net Profit, as of Dec 2025, the value is 277.00 Cr.. The value appears to be declining and may need further review. It has decreased from 286.00 Cr. (Sep 2025) to 277.00 Cr., marking a decrease of 9.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 9.41. The value appears to be declining and may need further review. It has decreased from 9.72 (Sep 2025) to 9.41, marking a decrease of 0.31.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 3:44 am
| Metric | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 86 | 196 | 402 | 787 | 1,050 | 1,254 | 1,521 | 2,183 | 2,848 | 3,066 |
| Interest | 24 | 55 | 73 | 218 | 327 | 302 | 268 | 472 | 672 | 714 |
| Expenses | 30 | 64 | 107 | 210 | 237 | 337 | 439 | 582 | 733 | 867 |
| Financing Profit | 31 | 78 | 221 | 359 | 486 | 614 | 814 | 1,128 | 1,443 | 1,485 |
| Financing Margin % | 37% | 40% | 55% | 46% | 46% | 49% | 54% | 52% | 51% | 48% |
| Other Income | 0 | 1 | 1 | 1 | 1 | 2 | 8 | 12 | 18 | 23 |
| Depreciation | 1 | 3 | 4 | 10 | 11 | 12 | 17 | 25 | 30 | 35 |
| Profit before tax | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1,116 | 1,431 | 1,473 |
| Tax % | 37% | 28% | 28% | 25% | 25% | 25% | 25% | 25% | 25% | |
| Net Profit | 19 | 54 | 156 | 262 | 359 | 454 | 604 | 836 | 1,072 | 1,105 |
| EPS in Rs | 13.58 | 28.30 | 65.40 | 103.80 | 142.26 | 15.57 | 20.71 | 28.58 | 36.43 | 37.57 |
| Dividend Payout % | -0% | -0% | -0% | -0% | -0% | -0% | -0% | -0% | 5% |
YoY Net Profit Growth
| Year | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 184.21% | 188.89% | 67.95% | 37.02% | 26.46% | 33.04% | 38.41% | 28.23% |
| Change in YoY Net Profit Growth (%) | 0.00% | 4.68% | -120.94% | -30.93% | -10.56% | 6.58% | 5.37% | -10.18% |
Five-Star Business Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 29% |
| 3 Years: | 31% |
| TTM: | 25% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | % |
| 5 Years: | 33% |
| 3 Years: | 33% |
| TTM: | 20% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | % |
| 5 Years: | % |
| 3 Years: | % |
| 1 Year: | -31% |
| Return on Equity | |
|---|---|
| 10 Years: | % |
| 5 Years: | 17% |
| 3 Years: | 17% |
| Last Year: | 19% |
Last Updated: September 5, 2025, 3:30 pm
Balance Sheet
Last Updated: December 4, 2025, 2:52 am
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 14 | 19 | 24 | 26 | 26 | 29 | 29 | 29 | 29 | 29 |
| Reserves | 210 | 573 | 1,341 | 1,919 | 2,293 | 3,681 | 4,310 | 5,167 | 6,275 | 6,777 |
| Borrowing | 452 | 528 | 922 | 2,364 | 3,425 | 2,559 | 4,247 | 6,316 | 7,922 | 8,376 |
| Other Liabilities | 14 | 14 | 31 | 45 | 50 | 74 | 116 | 177 | 194 | 252 |
| Total Liabilities | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 | 15,435 |
| Fixed Assets | 5 | 0 | 10 | 28 | 25 | 33 | 45 | 64 | 86 | 92 |
| CWIP | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 62 | 72 |
| Investments | 15 | 15 | 15 | 0 | 0 | 248 | 145 | 108 | 212 | 220 |
| Other Assets | 669 | 1,119 | 2,293 | 4,325 | 5,769 | 6,062 | 8,513 | 11,517 | 14,060 | 15,051 |
| Total Assets | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 | 15,435 |
Below is a detailed analysis of the balance sheet data for Five-Star Business Finance Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 29.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 29.00 Cr..
- For Reserves, as of Sep 2025, the value is 6,777.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,275.00 Cr. (Mar 2025) to 6,777.00 Cr., marking an increase of 502.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 252.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 194.00 Cr. (Mar 2025) to 252.00 Cr., marking an increase of 58.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 15,435.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 14,421.00 Cr. (Mar 2025) to 15,435.00 Cr., marking an increase of 1,014.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 92.00 Cr.. The value appears strong and on an upward trend. It has increased from 86.00 Cr. (Mar 2025) to 92.00 Cr., marking an increase of 6.00 Cr..
- For CWIP, as of Sep 2025, the value is 72.00 Cr.. The value appears strong and on an upward trend. It has increased from 62.00 Cr. (Mar 2025) to 72.00 Cr., marking an increase of 10.00 Cr..
- For Investments, as of Sep 2025, the value is 220.00 Cr.. The value appears strong and on an upward trend. It has increased from 212.00 Cr. (Mar 2025) to 220.00 Cr., marking an increase of 8.00 Cr..
- For Other Assets, as of Sep 2025, the value is 15,051.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,060.00 Cr. (Mar 2025) to 15,051.00 Cr., marking an increase of 991.00 Cr..
- For Total Assets, as of Sep 2025, the value is 15,435.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,421.00 Cr. (Mar 2025) to 15,435.00 Cr., marking an increase of 1,014.00 Cr..
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -422.00 | -464.00 | -815.00 | 208.00 | 234.00 | 335.00 | 435.00 | 576.00 | 726.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | 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% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| Kotak Small Cap Fund | 5,508,448 | 1.74 | 300.4 | 4,110,513 | 2026-01-25 06:13:18 | 34.01% |
| HDFC Mid Cap Fund | 3,859,478 | 0.23 | 210.48 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 3,382,615 | 0.17 | 184.47 | N/A | N/A | N/A |
| HDFC Multi Cap Fund | 3,363,255 | 0.92 | 183.42 | 3,110,741 | 2026-01-25 00:37:41 | 8.12% |
| HDFC Large and Mid Cap Fund | 2,597,694 | 0.49 | 141.67 | N/A | N/A | N/A |
| Motilal Oswal Small Cap Fund | 2,264,561 | 2.12 | 123.5 | N/A | N/A | N/A |
| HDFC Value Fund | 1,846,245 | 1.32 | 100.69 | N/A | N/A | N/A |
| HDFC Banking & Financial Services Fund | 1,833,192 | 2.23 | 99.97 | N/A | N/A | N/A |
| Aditya Birla Sun Life Large and Mid Cap Fund | 997,384 | 0.94 | 54.39 | 946,524 | 2026-01-25 04:57:38 | 5.37% |
| Tata Banking and Financial Services Fund | 960,000 | 1.62 | 52.35 | 668,533 | 2025-12-14 00:40:44 | 43.6% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 1.00 | 1.00 | 1.00 | 1.00 | 10.00 |
| Basic EPS (Rs.) | 36.61 | 28.64 | 20.71 | 16.09 | 140.13 |
| Diluted EPS (Rs.) | 36.50 | 28.39 | 20.49 | 15.92 | 136.06 |
| Cash EPS (Rs.) | 37.46 | 29.42 | 21.31 | 15.99 | 144.43 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 214.13 | 177.68 | 148.94 | 127.35 | 903.95 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 214.13 | 177.68 | 148.94 | 127.35 | 903.95 |
| Dividend / Share (Rs.) | 2.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Revenue From Operations / Share (Rs.) | 96.72 | 74.64 | 52.20 | 43.04 | 409.34 |
| PBDIT / Share (Rs.) | 72.31 | 55.02 | 37.35 | 31.48 | 317.03 |
| PBIT / Share (Rs.) | 71.28 | 54.18 | 36.76 | 31.06 | 312.59 |
| PBT / Share (Rs.) | 48.59 | 38.16 | 27.62 | 20.74 | 185.78 |
| Net Profit / Share (Rs.) | 36.43 | 28.58 | 20.71 | 15.57 | 139.99 |
| PBDIT Margin (%) | 74.75 | 73.71 | 71.55 | 73.12 | 77.44 |
| PBIT Margin (%) | 73.69 | 72.58 | 70.42 | 72.15 | 76.36 |
| PBT Margin (%) | 50.23 | 51.12 | 52.91 | 48.18 | 45.38 |
| Net Profit Margin (%) | 37.65 | 38.29 | 39.68 | 36.16 | 34.19 |
| Return on Networth / Equity (%) | 17.01 | 16.08 | 13.90 | 12.22 | 15.48 |
| Return on Capital Employeed (%) | 32.95 | 30.19 | 21.85 | 14.39 | 21.98 |
| Return On Assets (%) | 7.43 | 7.15 | 6.93 | 7.15 | 6.19 |
| Long Term Debt / Equity (X) | 0.00 | 0.00 | 0.12 | 0.68 | 0.56 |
| Total Debt / Equity (X) | 1.26 | 1.22 | 0.97 | 0.68 | 1.48 |
| Asset Turnover Ratio (%) | 0.21 | 0.21 | 0.20 | 0.20 | 0.20 |
| Current Ratio (X) | 1.76 | 1.79 | 2.26 | 111.86 | 2.66 |
| Quick Ratio (X) | 1.76 | 1.79 | 2.26 | 111.86 | 2.66 |
| Interest Coverage Ratio (X) | 3.19 | 3.43 | 4.09 | 3.05 | 2.50 |
| Interest Coverage Ratio (Post Tax) (X) | 2.61 | 2.78 | 3.27 | 2.51 | 2.10 |
| Enterprise Value (Cr.) | 27052.45 | 25677.10 | 18344.82 | 0.00 | 0.00 |
| EV / Net Operating Revenue (X) | 9.50 | 11.76 | 12.06 | 0.00 | 0.00 |
| EV / EBITDA (X) | 12.71 | 15.96 | 16.86 | 0.00 | 0.00 |
| MarketCap / Net Operating Revenue (X) | 7.47 | 9.64 | 10.31 | 0.00 | 0.00 |
| Price / BV (X) | 3.38 | 4.05 | 3.61 | 0.00 | 0.00 |
| Price / Net Operating Revenue (X) | 7.47 | 9.64 | 10.31 | 0.00 | 0.00 |
| EarningsYield | 0.05 | 0.03 | 0.03 | 0.00 | 0.00 |
After reviewing the key financial ratios for Five-Star Business Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 36.61. This value is within the healthy range. It has increased from 28.64 (Mar 24) to 36.61, marking an increase of 7.97.
- For Diluted EPS (Rs.), as of Mar 25, the value is 36.50. This value is within the healthy range. It has increased from 28.39 (Mar 24) to 36.50, marking an increase of 8.11.
- For Cash EPS (Rs.), as of Mar 25, the value is 37.46. This value is within the healthy range. It has increased from 29.42 (Mar 24) to 37.46, marking an increase of 8.04.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 214.13. It has increased from 177.68 (Mar 24) to 214.13, marking an increase of 36.45.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 214.13. It has increased from 177.68 (Mar 24) to 214.13, marking an increase of 36.45.
- For Dividend / Share (Rs.), as of Mar 25, the value is 2.00. This value is within the healthy range. It has increased from 0.00 (Mar 24) to 2.00, marking an increase of 2.00.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 96.72. It has increased from 74.64 (Mar 24) to 96.72, marking an increase of 22.08.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 72.31. This value is within the healthy range. It has increased from 55.02 (Mar 24) to 72.31, marking an increase of 17.29.
- For PBIT / Share (Rs.), as of Mar 25, the value is 71.28. This value is within the healthy range. It has increased from 54.18 (Mar 24) to 71.28, marking an increase of 17.10.
- For PBT / Share (Rs.), as of Mar 25, the value is 48.59. This value is within the healthy range. It has increased from 38.16 (Mar 24) to 48.59, marking an increase of 10.43.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 36.43. This value is within the healthy range. It has increased from 28.58 (Mar 24) to 36.43, marking an increase of 7.85.
- For PBDIT Margin (%), as of Mar 25, the value is 74.75. This value is within the healthy range. It has increased from 73.71 (Mar 24) to 74.75, marking an increase of 1.04.
- For PBIT Margin (%), as of Mar 25, the value is 73.69. This value exceeds the healthy maximum of 20. It has increased from 72.58 (Mar 24) to 73.69, marking an increase of 1.11.
- For PBT Margin (%), as of Mar 25, the value is 50.23. This value is within the healthy range. It has decreased from 51.12 (Mar 24) to 50.23, marking a decrease of 0.89.
- For Net Profit Margin (%), as of Mar 25, the value is 37.65. This value exceeds the healthy maximum of 10. It has decreased from 38.29 (Mar 24) to 37.65, marking a decrease of 0.64.
- For Return on Networth / Equity (%), as of Mar 25, the value is 17.01. This value is within the healthy range. It has increased from 16.08 (Mar 24) to 17.01, marking an increase of 0.93.
- For Return on Capital Employeed (%), as of Mar 25, the value is 32.95. This value is within the healthy range. It has increased from 30.19 (Mar 24) to 32.95, marking an increase of 2.76.
- For Return On Assets (%), as of Mar 25, the value is 7.43. This value is within the healthy range. It has increased from 7.15 (Mar 24) to 7.43, marking an increase of 0.28.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
- For Total Debt / Equity (X), as of Mar 25, the value is 1.26. This value exceeds the healthy maximum of 1. It has increased from 1.22 (Mar 24) to 1.26, marking an increase of 0.04.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.21. There is no change compared to the previous period (Mar 24) which recorded 0.21.
- For Current Ratio (X), as of Mar 25, the value is 1.76. This value is within the healthy range. It has decreased from 1.79 (Mar 24) to 1.76, marking a decrease of 0.03.
- For Quick Ratio (X), as of Mar 25, the value is 1.76. This value is within the healthy range. It has decreased from 1.79 (Mar 24) to 1.76, marking a decrease of 0.03.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 3.19. This value is within the healthy range. It has decreased from 3.43 (Mar 24) to 3.19, marking a decrease of 0.24.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 2.61. This value is below the healthy minimum of 3. It has decreased from 2.78 (Mar 24) to 2.61, marking a decrease of 0.17.
- For Enterprise Value (Cr.), as of Mar 25, the value is 27,052.45. It has increased from 25,677.10 (Mar 24) to 27,052.45, marking an increase of 1,375.35.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 9.50. This value exceeds the healthy maximum of 3. It has decreased from 11.76 (Mar 24) to 9.50, marking a decrease of 2.26.
- For EV / EBITDA (X), as of Mar 25, the value is 12.71. This value is within the healthy range. It has decreased from 15.96 (Mar 24) to 12.71, marking a decrease of 3.25.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 7.47. This value exceeds the healthy maximum of 3. It has decreased from 9.64 (Mar 24) to 7.47, marking a decrease of 2.17.
- For Price / BV (X), as of Mar 25, the value is 3.38. This value exceeds the healthy maximum of 3. It has decreased from 4.05 (Mar 24) to 3.38, marking a decrease of 0.67.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 7.47. This value exceeds the healthy maximum of 3. It has decreased from 9.64 (Mar 24) to 7.47, marking a decrease of 2.17.
- For EarningsYield, as of Mar 25, the value is 0.05. This value is below the healthy minimum of 5. It has increased from 0.03 (Mar 24) to 0.05, marking an increase of 0.02.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Five-Star Business Finance Ltd:
- Net Profit Margin: 37.65%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 32.95% (Industry Average ROCE: 15.81%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 17.01% (Industry Average ROE: 8.84%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 2.61
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.76
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 11.7 (Industry average Stock P/E: 52.41)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 1.26
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 37.65%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | New No. 27, Old No. 4, Chennai (Madras) Tamil Nadu 600010 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Lakshmipathy Deenadayalan | Chairman & Managing Director |
| Mr. Srikanth Gopalakrishnan | Joint Managing Director & CFO |
| Mr. Anand Raghavan | Independent Director |
| Mr. T T Srinivasaraghavan | Independent Director |
| Mrs. Bhama Krishnamurthy | Independent Director |
| Mr. Ramkumar Ramamoorthy | Independent Director |
| Mr. Thirulokchand Vasan | Non Executive Director |
FAQ
What is the intrinsic value of Five-Star Business Finance Ltd?
Five-Star Business Finance Ltd's intrinsic value (as of 02 February 2026) is ₹481.79 which is 9.50% higher the current market price of ₹440.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹12,957 Cr. market cap, FY2025-2026 high/low of ₹850/420, reserves of ₹6,777 Cr, and liabilities of ₹15,435 Cr.
What is the Market Cap of Five-Star Business Finance Ltd?
The Market Cap of Five-Star Business Finance Ltd is 12,957 Cr..
What is the current Stock Price of Five-Star Business Finance Ltd as on 02 February 2026?
The current stock price of Five-Star Business Finance Ltd as on 02 February 2026 is ₹440.
What is the High / Low of Five-Star Business Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Five-Star Business Finance Ltd stocks is ₹850/420.
What is the Stock P/E of Five-Star Business Finance Ltd?
The Stock P/E of Five-Star Business Finance Ltd is 11.7.
What is the Book Value of Five-Star Business Finance Ltd?
The Book Value of Five-Star Business Finance Ltd is 231.
What is the Dividend Yield of Five-Star Business Finance Ltd?
The Dividend Yield of Five-Star Business Finance Ltd is 0.45 %.
What is the ROCE of Five-Star Business Finance Ltd?
The ROCE of Five-Star Business Finance Ltd is 16.3 %.
What is the ROE of Five-Star Business Finance Ltd?
The ROE of Five-Star Business Finance Ltd is 18.6 %.
What is the Face Value of Five-Star Business Finance Ltd?
The Face Value of Five-Star Business Finance Ltd is 1.00.