FIVESTAR

Five-Star Business Finance Ltd.

NSE: FIVESTAR

BSE: 543663

Sector: Financial Services

Industry Group: Finance

Industry: Non Banking Financial Company (NBFC)

534.35-3.6 (-0.68%)

9 Jul, 10:59 AM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

66.3 / 100

Value Score

60.5 / 100

Price Momentum Score

32.8 / 100

QVM Score

53.0 / 100

Key Metrics

Market Cap

15881.10

P/E (TTM)

14.45

P/B

2.15

P/S (TTM)

4.93

EV/EBITDA

9.01

CAPE (5Y)

19.44

ROE (TTM)

16.06

ROCE (TTM)

16.00

ROA (TTM)

7.27

Avg 3Y ROE

17.41

Earnings 3Y CAGR

22.11

Sales 3Y CAGR

28.38

Sales 5Y CAGR

25.18

Debt/Equity

1.11

Consensus TP

645.00

Strong Buy %

30.00

Promoter Holding

18.61

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Five-Star Business Finance Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Not enough talking points with positive stance

Negative

Low EPS growth and in line with median growth of industry

The company delivered low EPS growth of 1.91% for 12-month ended 31 Mar 2026 and the growth was 1.63 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Low dividend yield

The company has a low dividend yield of 0.37%

What is Dividend yield?

Neutral

Reasonably valued but PB is at a premium to industry median P/B

PB of 2.15 indicates that the stock is reasonably valued on a standalone basis but is at a 93.69% premium to industry median P/B

What is P/B Ratio?

Median: 1.11

Value 2.15

058.08

High ROE but declining trend

The company reported strong ROE of 16.06% for 12-month ended 31 Mar 2026 but ROE declined by -258 bps from 1 year ago

What is ROE (FY)?

High operating margin but declining trend

The company reported strong operating margin of 74.22% for 12-month ended 31 Mar 2026 but operating margin declined by -196 bps from 1 year ago

What is Operating profit margin?

Moderate revenue growth and in line with median growth of industry

The company delivered moderate revenue growth of 13.0% for 12-month ended 31 Mar 2026 and the growth was 1.95 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 11.05

Value 13

-519.5340214.8

Reasonable Debt to Equity, and has been stable

The company has reasonable Debt to Equity of 1.11 as on 31 Mar 2026 and Debt to Equity decreased marginally by 0.15 in the last 1 year

What is Debt to Equity?

Financial Snapshot

See detailed analysis

Multi-year trends for Five-Star Business Finance Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Five-Star Business Finance Ltd. Shareholding Pattern

Quarterly breakdown of Five-Star Business Finance Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2015	Mar 2016	Sep 2017	Sep 2018	Mar 2019	Mar 2020	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	Mar 2026
Total Promoter	43.61	47.14	34.33	24.44	19.24	22.22	34.87	34.87	34.39	31.30	26.53	26.51	26.51	21.59	21.55	21.47	21.47	18.57	18.56	18.61
Indian Promoter	43.61	47.14	34.33	24.44	19.24	22.22	18.74	18.74	18.74	18.72	18.69	18.67	18.67	18.67	18.64	18.57	18.57	18.57	18.56	18.61
Foreign Promoter	0.00	0.00	0.00	0.00	0.00	0.00	16.13	16.13	15.65	12.58	7.85	7.84	7.84	2.92	2.91	2.90	2.90	-	-	-
Institutions	0.00	0.00	0.00	0.00	1.79	0.00	12.16	12.03	13.45	57.74	62.09	63.05	63.52	65.68	67.86	67.84	67.60	67.98	67.67	66.06
Mutual Funds / UTI	0.00	0.00	0.00	0.00	0.00	0.00	1.02	1.04	1.13	3.92	4.17	3.85	3.87	4.60	5.75	5.65	5.84	8.23	10.42	13.05
FI/Bank/Insurance	0.00	0.00	0.00	0.00	1.79	0.00	1.10	1.16	0.78	0.75	0.75	0.53	0.14	2.35	2.05	1.09	1.28	1.44	0.89	0.90
Govt	0.00	0.00	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-	-	-	-	-	-	-	-
FII	0.00	0.00	0.00	0.00	0.00	0.00	6.54	6.98	8.74	50.22	54.28	56.06	57.45	56.70	57.76	58.75	58.13	55.80	52.95	48.48
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	3.50	2.85	2.80	2.85	2.90	2.59	2.06	2.03	2.30	2.35	2.36	2.49	3.43	3.63
Non-Institution	56.39	52.86	65.67	75.56	78.97	77.78	52.97	53.11	52.16	10.95	11.38	10.45	9.96	12.73	10.59	10.68	10.93	13.46	13.76	15.34
Bodies Corporate	2.06	3.04	2.98	2.23	0.00	2.09	2.43	2.42	2.52	2.79	2.66	2.46	2.42	3.58	2.29	2.20	2.22	2.51	2.97	3.18
Others (incl. Retail) No. of shareholders	54.33 0	49.82 0	62.69 0	73.33 0	78.97 0	75.69 0	50.54 26,945	50.69 25,742	49.64 29,831	8.16 39,182	8.72 50,929	7.99 49,553	7.54 48,065	9.15 57,842	8.30 70,282	8.48 75,971	8.71 68,086	10.95 93,178	10.79 90,455	12.16 96,103

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Non Banking Financial Company (NBFC)	1.83%	17 / 21
2	Nifty Smallcap 50	1.2%	44 / 49
3	Nifty Smallcap 250	0.47%	73 / 249
4	Nifty 500	0.05%	304 / 499
5	Nifty Total Market	0.04%	333 / 749

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Five-Star Business Finance Ltd. shares as reported to NSE and BSE.

Name	Date	Type	Price	Qty.	Value
GOLDMAN SACHS BANK EUROPE SE - ODI	02 Sep 2025	buy	₹ 549.20	4.11 lac	₹ 22.59 cr
GOLDMAN SACHS (SINGAPORE) PTE - ODI	02 Sep 2025	sell	₹ 549.20	4.11 lac	₹ 22.59 cr
M&G Funds (1) Gsam Global Emerging Markets Equity Fund	26 Sep 2024	buy	₹ 800.50	47.68 k	₹ 3.82 cr
Nomura India Investment Fund Mother Fund	26 Sep 2024	buy	₹ 800.50	73.06 lac	₹ 584.83 cr
Nomura Funds Ireland Plc Nomura Funds Ireland India Equity Fund	26 Sep 2024	buy	₹ 800.50	20.87 lac	₹ 167.09 cr
New York State Teachers Retirement System	26 Sep 2024	buy	₹ 800.50	18.40 k	₹ 1.47 cr
NEF AZIONARIO PACIFICO	26 Sep 2024	buy	₹ 800.50	1.01 lac	₹ 8.07 cr
Morgan Stanley Asia Singapore Pte	26 Sep 2024	buy	₹ 800.50	10.73 lac	₹ 85.93 cr
Mediolanum Best Brands - Mediolanum India Opportunities	26 Sep 2024	buy	₹ 800.50	48.87 k	₹ 3.91 cr
Max New York Life Insurance Co Ltd	26 Sep 2024	buy	₹ 800.50	24.02 lac	₹ 192.29 cr

…

Corporate Actions

History of Five-Star Business Finance Ltd. dividends, bonus issues, stock splits, rights issues, and other corporate events.

Dividend₹ 2/share
Record date: 31st Jul 2026Ex-date: 31st Jul 2026
Announced on: 28th Apr 2026
Dividend₹ 2/share
Record date: 14th Aug 2025Ex-date: 14th Aug 2025
Announced on: 29th Apr 2025

Company Profile

Overview of Five-Star Business Finance Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Five-Star Business Finance Limited is a non-deposit taking Non-Banking Finance Company (NBFC). The Company is primarily engaged in providing loans for business purposes, house renovation/extension purposes, and other mortgage purposes. The Company provides small business loans and small mortgage loa...

Key personnel

Mr. Vishnuram Jagannathan

Chief Operating Officer

Mr. Vanamali Sridharan

Chief Technology Officer

Mr. Vigneshkumar S. M

Compliance Officer, Company Secretary

Mr. Ramesh Kannah

Chief Legal Officer

Mr. Parthasarathy Srinivasan

Chief Credit Officer

Mr. Sathya Ganesh Thirumalaidoss

Chief Business Officer

Mr. Lakshmipathy DeenadayalanD

Chairman of the Board, Managing Director

Mr. Srikanth GopalakrishnanD

Chief Financial Officer, Joint Managing Director, Executive Director

View all

Incorporated on

07 May 1984

Last Annual

31 Mar 2026

Last Interim

31 Mar 2026

No. of Employees

14,159

IPO date

21 Nov 2022

Free Float

21,74,42,987

Website

https://fivestargroup.in/

Phone no.

+914446106200

Address

OLD NO 4, NEW NO 27, TAYLORS ROAD, KILPAUK,, , 600010, India

Frequently Asked Questions

What is the current share price of Five-Star Business Finance Ltd.?

The current share price of Five-Star Business Finance Ltd. is ₹ 534.35 as of 9 Jul 2026.

What is the market capitalisation of Five-Star Business Finance Ltd.?

The market capitalisation of Five-Star Business Finance Ltd. stands at ₹ 15,881.10 Cr.

What is the PE ratio of Five-Star Business Finance Ltd.?

The Price-to-Earnings (PE) ratio of Five-Star Business Finance Ltd. is 14.45 as of the latest trailing twelve months data.

What is the ROE and ROCE of Five-Star Business Finance Ltd.?

Five-Star Business Finance Ltd. has a Return on Equity (ROE) of 16.06% and a Return on Capital Employed (ROCE) of 16.00% as per the latest financial reports.

What is the 52-week high and low of Five-Star Business Finance Ltd.?

The 52-week high of Five-Star Business Finance Ltd. is - and the 52-week low is -.

What is the dividend yield of Five-Star Business Finance Ltd.?

The dividend yield of Five-Star Business Finance Ltd. is 0.37% based on the current market price.

What is the FII and DII holding in Five-Star Business Finance Ltd.?

Foreign Institutional Investors (FII) hold 48.48%, Domestic Institutional Investors (DII) hold 13.95% and retail/public investors hold 12.16% of Five-Star Business Finance Ltd. shares.

What sector does Five-Star Business Finance Ltd. belong to?

Five-Star Business Finance Ltd. operates in the Financial Services sector. 80% of analysts have a Buy or Strong Buy rating on Five-Star Business Finance Ltd. with a consensus target price of ₹ 645.00, implying 19.89% upside from current levels.

What is the beta of Five-Star Business Finance Ltd.?

The beta of Five-Star Business Finance Ltd. is 1.14, indicating its price volatility relative to the broader market. Over the past 1 year, Five-Star Business Finance Ltd. has delivered an absolute return of -30.29%.

What is the RSI of Five-Star Business Finance Ltd.?

The 14-day Relative Strength Index (RSI) of Five-Star Business Finance Ltd. is 65.67, placing it approaching overbought territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

Five-Star Business Finance Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Five-Star Business Finance Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Corporate Actions

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Corporate Actions

Company Profile