Share Price and Basic Stock Data
Last Updated: December 24, 2025, 4:27 am
| PEG Ratio | 0.78 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Five-Star Business Finance Ltd operates in the competitive landscape of Non-Banking Financial Companies (NBFCs), primarily focusing on providing loans to small and medium enterprises (SMEs). The company has demonstrated robust revenue growth, with reported revenues rising from ₹1,254 Cr in FY 2022 to ₹1,521 Cr in FY 2023, a significant increase of 21.3%. The most recent quarterly figures also reflect a positive trajectory, with revenue reaching ₹480 Cr in June 2023 and growing further to ₹519 Cr by September 2023. This upward trend suggests a solid demand for its financial products, particularly as SMEs increasingly seek financing options. Given the rising interest rates, which have impacted the borrowing landscape, the company’s ability to maintain revenue growth is commendable and highlights its effective market positioning.
Profitability and Efficiency Metrics
When evaluating profitability, Five-Star Business Finance showcases impressive metrics. The net profit for FY 2023 stood at ₹1,087 Cr, marking a healthy year-on-year growth. The company reported a net profit margin of 37.65% for FY 2025, which appears strong compared to industry standards. Additionally, the return on equity (ROE) has improved significantly, reaching 18.6%, indicating efficient use of shareholders’ funds. The interest coverage ratio (ICR) of 3.19x suggests that the company comfortably meets its interest obligations, reflecting operational efficiency. However, the financing margin has seen a slight decline, from 54% in FY 2023 to 51% in FY 2025. This could indicate increasing competition or rising costs, which investors should monitor closely.
Balance Sheet Strength and Financial Ratios
The balance sheet of Five-Star Business Finance appears robust, with total assets increasing from ₹8,703 Cr in FY 2023 to ₹14,421 Cr by FY 2025. The company has maintained a comfortable current ratio of 1.76, indicating good short-term liquidity. Notably, the company’s borrowings of ₹7,922 Cr as of FY 2025 are well-supported by reserves of ₹6,777 Cr, providing a cushion against unexpected financial pressures. The price-to-book value ratio stands at 3.38x, which, while somewhat elevated, reflects investor confidence in the company’s growth potential. However, the total debt-to-equity ratio of 1.26x suggests a higher reliance on borrowed funds, which could pose risks if market conditions tighten. Investors should weigh this leverage against the company’s strong earnings potential.
Shareholding Pattern and Investor Confidence
The shareholding structure of Five-Star Business Finance indicates a diverse base of investors, with Foreign Institutional Investors (FIIs) holding a significant 55.80% stake, while Domestic Institutional Investors (DIIs) account for 12.16%. This level of FII participation suggests a strong institutional backing, which is often a positive sign for retail investors. However, the promoter shareholding has seen a decline from 34.87% in December 2022 to 18.57% in September 2025, which may raise concerns about insider confidence. The increase in public shareholders to over 94,000 reflects growing retail interest. This mixed sentiment underscores the importance of monitoring insider activity alongside institutional support, as it can influence stock performance and market perceptions.
Outlook, Risks, and Final Insight
Looking ahead, Five-Star Business Finance faces both opportunities and challenges. The strong revenue growth and profitability metrics suggest that the company is well-positioned to capitalize on the expanding SME sector in India. However, the reliance on debt financing could become a double-edged sword, particularly if interest rates continue to rise or if economic conditions worsen. The declining promoter shareholding may also create uncertainty among retail investors. Additionally, as competition intensifies in the NBFC space, maintaining margins will be crucial. Investors should remain vigilant about macroeconomic indicators, regulatory changes, and the company’s ability to adapt to a rapidly evolving financial landscape. Overall, while Five-Star Business Finance showcases strong fundamentals, the interplay of these factors will be key in shaping its future trajectory.
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 | 14.2 Cr. | 1.42 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 7.73 Cr. | 0.77 | 8.75/0.76 | 22.7 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 464 Cr. | 63.7 | 130/59.1 | 40.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.2 Cr. | 16.5 | 34.4/15.0 | 11.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 37.3 Cr. | 82.8 | 162/74.8 | 19.9 | 238 | 1.21 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 28,999.34 Cr | 455.24 | 54.03 | 522.46 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 338 | 361 | 387 | 436 | 480 | 519 | 567 | 616 | 666 | 702 | 727 | 752 | 787 |
| Interest | 65 | 61 | 63 | 77 | 96 | 106 | 129 | 138 | 158 | 163 | 171 | 175 | 187 |
| Expenses | 84 | 104 | 119 | 133 | 137 | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 |
| Financing Profit | 189 | 196 | 204 | 226 | 248 | 269 | 294 | 318 | 339 | 361 | 370 | 373 | 359 |
| Financing Margin % | 56% | 54% | 53% | 52% | 52% | 52% | 52% | 52% | 51% | 51% | 51% | 50% | 46% |
| Other Income | 1 | 1 | 2 | 4 | 3 | 4 | 3 | 3 | 3 | 4 | 4 | 7 | 5 |
| Depreciation | 4 | 4 | 5 | 5 | 5 | 6 | 7 | 7 | 6 | 7 | 8 | 9 | 8 |
| Profit before tax | 186 | 193 | 202 | 224 | 246 | 267 | 290 | 313 | 336 | 358 | 365 | 371 | 355 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% |
| Net Profit | 139 | 144 | 151 | 169 | 184 | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 |
| EPS in Rs | 4.79 | 4.95 | 5.18 | 5.80 | 6.30 | 6.84 | 7.42 | 8.07 | 8.60 | 9.16 | 9.33 | 9.48 | 9.04 |
| Gross NPA % | 1.62% | 1.79% | |||||||||||
| Net NPA % |
Last Updated: August 19, 2025, 3:35 pm
Below is a detailed analysis of the quarterly data for Five-Star Business Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 187.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 175.00 Cr. (Mar 2025) to 187.00 Cr., marking an increase of 12.00 Cr..
- For Expenses, as of Jun 2025, the value is 241.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 204.00 Cr. (Mar 2025) to 241.00 Cr., marking an increase of 37.00 Cr..
- For Other Income, as of Jun 2025, the value is 5.00 Cr.. The value appears to be declining and may need further review. It has decreased from 7.00 Cr. (Mar 2025) to 5.00 Cr., marking a decrease of 2.00 Cr..
- For Depreciation, as of Jun 2025, the value is 8.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 9.00 Cr. (Mar 2025) to 8.00 Cr., marking a decrease of 1.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 355.00 Cr.. The value appears to be declining and may need further review. It has decreased from 371.00 Cr. (Mar 2025) to 355.00 Cr., marking a decrease of 16.00 Cr..
- For Tax %, as of Jun 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 25.00%.
- For Net Profit, as of Jun 2025, the value is 266.00 Cr.. The value appears to be declining and may need further review. It has decreased from 279.00 Cr. (Mar 2025) to 266.00 Cr., marking a decrease of 13.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 9.04. The value appears to be declining and may need further review. It has decreased from 9.48 (Mar 2025) to 9.04, marking a decrease of 0.44.
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 | 4,110,513 | 1.39 | 242.89 | 3,710,513 | 2025-12-14 00:40:44 | 10.78% |
| HDFC Mid Cap Fund | 3,859,478 | 0.25 | 228.06 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 3,382,615 | 0.19 | 199.88 | N/A | N/A | N/A |
| HDFC Multi Cap Fund | 3,110,741 | 0.92 | 183.81 | 2,810,741 | 2025-12-14 00:40:44 | 10.67% |
| HDFC Large and Mid Cap Fund | 2,597,694 | 0.53 | 153.5 | N/A | N/A | N/A |
| HDFC Value Fund | 1,846,245 | 1.42 | 109.09 | N/A | N/A | N/A |
| HDFC Banking & Financial Services Fund | 1,833,192 | 2.4 | 108.32 | N/A | N/A | N/A |
| Tata Banking and Financial Services Fund | 960,000 | 1.76 | 56.73 | 668,533 | 2025-12-14 00:40:44 | 43.6% |
| Aditya Birla Sun Life Large and Mid Cap Fund | 946,524 | 0.96 | 55.93 | 646,524 | 2025-12-14 00:40:44 | 46.4% |
| WhiteOak Capital Flexi Cap Fund | 463,809 | 0.4 | 27.41 | 238,513 | 2025-05-25 05:38:36 | 94.46% |
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: 15.8%)
- 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: 15 (Industry average Stock P/E: 54.03)
- 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 24 December 2025) is 517.40 which is 8.26% lower the current market price of 564.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 16,607 Cr. market cap, FY2025-2026 high/low of 850/501, 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 16,607 Cr..
What is the current Stock Price of Five-Star Business Finance Ltd as on 24 December 2025?
The current stock price of Five-Star Business Finance Ltd as on 24 December 2025 is 564.
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 850/501.
What is the Stock P/E of Five-Star Business Finance Ltd?
The Stock P/E of Five-Star Business Finance Ltd is 15.0.
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 0.35 %.
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.