Price
Financials
Standalone, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 519 | 567 | 616 | 666 | 702 | 727 | 752 | 787 | 799 | 815 | 817 | 829 |
| Interest | 106 | 129 | 138 | 158 | 163 | 171 | 175 | 187 | 180 | 189 | 181 | 172 |
| Expenses | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 | 236 | 255 | 277 | 296 |
| Financing Profit | 269 | 294 | 318 | 339 | 361 | 370 | 373 | 359 | 384 | 371 | 358 | 361 |
| Financing Margin % | 52% | 52% | 52% | 51% | 51% | 51% | 50% | 46% | 48% | 46% | 44% | 44% |
| Other Income | 4 | 3 | 3 | 3 | 4 | 4 | 7 | 5 | 7 | 7 | 9 | 10 |
| Depreciation | 6 | 7 | 7 | 6 | 7 | 8 | 9 | 8 | 9 | 10 | 10 | 9 |
| Profit before tax | 267 | 290 | 313 | 336 | 358 | 365 | 371 | 355 | 382 | 369 | 357 | 362 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% |
| Net Profit | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 | 286 | 277 | 269 | 271 |
| EPS in Rs | 6.84 | 7.42 | 8.07 | 8.60 | 9.16 | 9.33 | 9.48 | 9.04 | 9.72 | 9.41 | 9.12 | 9.19 |
| Gross NPA % | 1.47% | 1.62% | 1.79% | 2.46% | 2.64% | 3.18% | 3.37% | 3.46% | ||||
| Net NPA % | 0.71% | 0.81% | 0.88% | 1.25% | 1.46% | 1.94% | 2.00% | 2.10% |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 86 | 196 | 402 | 787 | 1,050 | 1,254 | 1,521 | 2,183 | 2,848 | 3,218 | 3,260 |
| Interest | 24 | 55 | 73 | 218 | 327 | 302 | 268 | 472 | 672 | 742 | 721 |
| Expenses | 30 | 64 | 107 | 210 | 237 | 337 | 439 | 582 | 733 | 1,004 | 1,064 |
| Financing Profit | 31 | 78 | 221 | 359 | 486 | 614 | 814 | 1,128 | 1,443 | 1,472 | 1,475 |
| Financing Margin % | 37% | 40% | 55% | 46% | 46% | 49% | 54% | 52% | 51% | 46% | 45% |
| Other Income | 0 | 1 | 1 | 1 | 1 | 2 | 8 | 12 | 18 | 28 | 33 |
| Depreciation | 1 | 3 | 4 | 10 | 11 | 12 | 17 | 25 | 30 | 37 | 38 |
| Profit before tax | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1,116 | 1,431 | 1,463 | 1,470 |
| Tax % | 37% | 28% | 28% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | |
| Net Profit | 19 | 54 | 156 | 262 | 359 | 454 | 604 | 836 | 1,072 | 1,099 | 1,104 |
| EPS in Rs | 13.58 | 28.30 | 65.40 | 103.80 | 142.26 | 15.57 | 20.71 | 28.58 | 36.43 | 37.22 | 37.44 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 5% | 5% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | % | 25% | 28% | 10% | ||
| Compounded Profit Growth | % | 25% | 22% | 2% | ||
| Stock Price CAGR | % | % | -11% | -7% | ||
| Return on Equity | 17% | 17% | 17% | 16% |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 14 | 19 | 24 | 26 | 26 | 29 | 29 | 29 | 29 | 30 |
| Reserves | 210 | 573 | 1,341 | 1,919 | 2,293 | 3,681 | 4,310 | 5,167 | 6,275 | 7,351 |
| Borrowing | 452 | 528 | 922 | 2,364 | 3,425 | 2,559 | 4,247 | 6,316 | 7,922 | 8,200 |
| Other Liabilities | 14 | 14 | 31 | 45 | 50 | 74 | 116 | 177 | 194 | 209 |
| Total Liabilities | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 | 15,790 |
| Fixed Assets | 5 | 0 | 10 | 28 | 25 | 33 | 45 | 64 | 86 | 88 |
| CWIP | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 62 | 72 |
| Investments | 15 | 15 | 15 | 0 | 0 | 248 | 145 | 108 | 212 | 227 |
| Other Assets | 669 | 1,119 | 2,293 | 4,325 | 5,769 | 6,062 | 8,513 | 11,517 | 14,060 | 15,402 |
| Total Assets | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 | 15,790 |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -457 | -940 | -1,523 | -157 | -277 | -1,123 | -2,122 | -1,045 | -264 | |
| Cash from Investing Activity | 10 | 14 | -132 | 102 | -384 | 162 | 210 | -586 | 228 | |
| Cash from Financing Activity | 393 | 1,010 | 1,725 | 1,033 | 7 | 1,688 | 2,106 | 1,593 | 157 | |
| Net Cash Flow | -53 | 84 | 70 | 977 | -654 | 727 | 194 | -38 | 121 | |
| Free Cash Flow | -461 | -946 | -1,533 | -160 | -286 | -1,135 | -2,145 | -1,128 | -290 | |
| CFO/OP | -323% | -296% | -246% | -3% | -13% | -85% | -115% | -31% | 5% |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 9% | 13% | 16% | 16% | 17% | 15% | 15% | 18% | 19% | 16% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 31.30% | 26.54% | 26.51% | 26.51% | 21.59% | 21.55% | 21.47% | 21.47% | 18.57% | 18.56% | 18.61% | 18.61% |
| FIIs | 50.22% | 54.28% | 56.06% | 57.45% | 56.70% | 57.76% | 58.75% | 58.13% | 55.80% | 52.95% | 48.48% | 43.97% |
| DIIs | 7.52% | 7.82% | 6.97% | 6.07% | 8.99% | 10.10% | 9.09% | 9.48% | 12.16% | 14.74% | 17.58% | 22.35% |
| Public | 10.97% | 11.36% | 10.44% | 9.96% | 12.71% | 10.60% | 10.69% | 10.93% | 13.46% | 13.77% | 15.34% | 15.07% |
| No. of Shareholders | 40,121 | 51,906 | 50,442 | 48,897 | 58,902 | 71,229 | 76,899 | 69,039 | 94,108 | 91,561 | 97,128 | 1,02,270 |
Fundamentals
Market Cap₹ 14,679 Cr.
Current Price₹ 497
Stock P/E13.3
Book Value₹ 250
ROCE14.8 %
ROE16.1 %
Dividend Yield0.40 %
Face Value₹ 1.00
Compounded Sales Growth (TTM)10%
Compounded Profit Growth (TTM)2%
Standalone figures.
Valuation
Market capRs 14,943 Cr
Enterprise valueRs 20,995 Cr
P/E (TTM)13.54x
Price to book2.02x
Price to sales4.58x
EV / EBITDA9.42x
EV / EBIT9.58x
EV / sales6.44x
Earnings yield7.39%
Dividend yield0.40%
P/E, 3-year average18.18x
P/B, 3-year average2.95x
P/E, 5-year average20.16x
P/B, 5-year average3.12x
Profitability
Operating margin (excl. other income)68.79%
Operating margin (incl. other income)69.66%
EBITDA margin68.37%
Pre-tax margin45.08%
Net profit margin33.86%
Net margin, latest quarter32.74%
ROE16.06%
ROCE14.79%
ROA7.27%
ROE, 3-year average17.41%
ROCE, 3-year average15.64%
ROA, 3-year average7.90%
ROE, 5-year average16.46%
ROCE, 5-year average15.29%
ROA, 5-year average7.84%
ROIC (approx.)12.25%
Tax rate24.89%
Other income / net worth0.38%
Growth
Sales growth (latest year)13.00%
Profit growth (latest year)2.45%
Sales CAGR, 3 years28.38%
Sales CAGR, 5 years25.11%
Profit CAGR, 3 years22.11%
Profit CAGR, 5 years25.07%
Sales growth QoQ1.47%
Profit growth QoQ0.79%
Sales growth YoY (latest quarter)5.38%
Profit growth YoY (latest quarter)1.92%
Per share
EPS (TTM)Rs 37.40
EPS (latest year)Rs 37.22
EPS (latest quarter)Rs 9.19
EPS, 3-year averageRs 34.08
EPS, 5-year averageRs 27.70
Book value per shareRs 250.03
Sales per shareRs 110.46
Cash flow per shareRs -8.95
Free cash flow per shareRs -9.82
Dividend per share (latest year)Rs 2.00
Dividend per share, 3-year averageRs 2.00
Dividend per share, 5-year averageRs 2.00
Dividends
Dividend payout5.37%
Dividend payout, 3-year average5.43%
Dividend payout, 5-year average5.43%
Efficiency
Asset turnover0.20x
Fixed asset turnover36.46x
Leverage
Total debtRs 8,200 Cr
Cash and bankRs 2,149 Cr
Net debtRs 6,051 Cr
Debt to equity1.11x
Net debt / EBITDA2.71x
Interest coverage3.04x
Owners' fund to total sources46.74%
Debt to assets51.94%
Cash flow
Cash from Operating Activity (latest year)Rs -264 Cr
Cash from Investing Activity (latest year)Rs 228 Cr
Cash from Financing Activity (latest year)Rs 157 Cr
Net Cash Flow (latest year)Rs 121 Cr
Free cash flow (latest year)Rs -290 Cr
FCFE (approx.: FCF + change in debt)Rs -12 Cr
Cash from ops / profit, 5 years-1.19x
Statement figures
Net sales (TTM)Rs 3,260 Cr
Net sales (latest year)Rs 3,218 Cr
Sales (latest quarter)Rs 829 Cr
Operating profit excl. other income (latest year)Rs 2,214 Cr
Operating profit (latest quarter)Rs 533 Cr
Other income (TTM)Rs 33 Cr
EBITDA (TTM)Rs 2,229 Cr
PBDT (TTM)Rs 1,508 Cr
Profit before tax (TTM)Rs 1,470 Cr
Tax (latest year)Rs 364 Cr
Net profit (TTM)Rs 1,104 Cr
Net profit (latest year)Rs 1,099 Cr
Net profit (latest quarter)Rs 271 Cr
Depreciation (TTM)Rs 38 Cr
Depreciation (latest quarter)Rs 9 Cr
Interest (TTM)Rs 721 Cr
Cost of goods sold (latest year)Rs 13 Cr
Total expenditure (latest year)Rs 1,004 Cr
Total income (latest year)Rs 3,246 Cr
Share capitalRs 30 Cr
ReservesRs 7,351 Cr
Shareholders' fundsRs 7,380 Cr
Total assetsRs 15,790 Cr
Net blockRs 88 Cr
Capital work in progressRs 72 Cr
InvestmentsRs 227 Cr
Other liabilitiesRs 209 Cr
Shares outstanding (crore)29.52
Ownership
Promoter holding18.61% (-2.86 in a year)
Computed by MarketFriction from the standalone statements. Returns use average balances.
P/E 13.5 is at the 10th percentile of its own 4.0-year range
(median 26.7, low 9.4, high 40.0).
P/B 2.02 is at the 4th percentile (median 4.11).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | FIVESTAR | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | -3.5% | -2.8% | -0.8 pts |
| 1 month | -5.9% | -6.8% | +0.9 pts |
| 3 months | -8.0% | -7.6% | -0.4 pts |
| 6 months | +43.4% | +0.4% | +43.0 pts |
| 1 year | -2.6% | -9.9% | +7.3 pts |
| 2 years | -36.0% | -13.6% | -22.5 pts |
| 3 years | -27.3% | +14.2% | -41.5 pts |
83 mutual fund schemes hold about ₹2,965 Cr.
Over three months 66 bought more and 9 sold (share counts, price move removed).
| Fund | Weight | Est. Cr | 3m shares |
|---|---|---|---|
| Kotak Small Cap Fund | 2.12% | 416 | +17% |
| HDFC Balanced Advantage Fund | 0.33% | 358 | +14% |
| Sundaram Large and Mid Cap Fund | 3.21% | 232 | +7% |
| HDFC Multi Cap Fund | 1.09% | 225 | +13% |
| HDFC Mid Cap Fund | 0.19% | 206 | +7% |
| Motilal Oswal Small Cap Fund | 2.16% | 176 | +16% |
| HDFC Large & Mid Cap Fund | 0.46% | 139 | +11% |
| HDFC Banking & Financial Services Fund | 2.61% | 122 | +13% |
| HDFC Value Fund | 1.39% | 115 | +6% |
| Aditya Birla SL Large & Mid Cap Fund | 1.27% | 76 | +11% |
| Franklin India Small Cap Fund | 0.51% | 76 | +100% |
| Tata Banking & Financial Services Fund | 1.77% | 59 | +11% |
| WOC Flexi Cap Fund | 0.64% | 59 | +3% |
| Sundaram Services Fund | 1.08% | 57 | +8% |
| Sundaram Services Fund | 1.08% | 55 | +8% |
| Sundaram Business Cycle Fund | 2.87% | 50 | -12% |
| Sundaram Small Cap Fund | 1.11% | 46 | +11% |
| WOC Mid Cap Fund | 0.52% | 39 | -5% |
| Sundaram Fin Serv Opp Fund | 2.19% | 38 | +12% |
| Sundaram Multi Cap Fund | 1.10% | 34 | +9% |
| WOC Multi Cap Fund | 0.72% | 30 | +1% |
| Tata Business Cycle Fund | 1.04% | 27 | +10% |
| JM Small Cap Fund | 2.76% | 26 | +44% |
| WOC Special Opp Fund | 1.26% | 24 | +2% |
| Bandhan Small Cap Fund | 0.06% | 21 | -42% |
Red flags
F-score 4 of 8| explain | Weak cash conversion Cash from operations was -114% of net profit over the last 3 years |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹829 Cr +5.3% vs Jun 2025.
Net profit ₹271 Cr +1.9%.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
| Ex-date | Action | Factor |
|---|---|---|
| 2026-07-31 | Dividend - Rs 2 Per Share | |
| 2025-08-14 | Dividend - Rs 2 Per Share |
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
| Trade date | Shares sold short |
|---|---|
| 2026-09-30 | 2 |
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
Not on any NSE surveillance list in the latest file.
Quick answers
What is the market cap of Five-Star Business Finance Ltd?
Five-Star Business Finance Ltd (FIVESTAR) has a market capitalisation of Rs 14,679 Cr. at the 2026-10-01 close.
What is the P/E ratio of Five-Star Business Finance Ltd?
Five-Star Business Finance Ltd trades at a P/E of 13.3 on trailing twelve-month profit, at the 2026-10-01 close.
What were Five-Star Business Finance Ltd's latest quarterly results?
In the Jun 2026 quarter, Five-Star Business Finance Ltd revenue was Rs 829 Cr (+5.3% vs Jun 2025) and net profit was Rs 271 Cr.
What is the 52-week high and low of Five-Star Business Finance Ltd?
The 52-week high is Rs 666.00 and the 52-week low is Rs 338.15.