Market Data
Market Cap₹15,306.55 Cr.
52W High₹665.95
Current Price₹518.55
52W Low₹338.05
Down from 52W High22.1 %
Face Value₹1
Performance
ROCE213.48 %
ROE183.93 %
EPS (TTM)₹9.19
EPS Prev Qtr₹9.14
EPS Last Year₹9.72
EBITDA Qtr₹352.19 Cr.
Book Value₹20
Financial Health
Debt/Equity0.71
Debt/Profit0.39
Total Assets₹1,171.621 Cr.
Dividend Yield0.39 %
Promoter Holding18.61 %
Earning Power122.63 %
Valuation
Stock P/E13.84
Industry P/E18.22
Price to Book25.5
Price to Sales4.69
Graham Number₹130.92
Key Metrics
Book Value
₹249.89
Capital Adequacy %
51.89%
Cost to Income %
44.71%
Debt/Equity
1.03
Employees
14,159
Face Value
₹1
Gross NPA %
3.46%
Loans Disbursed
₹1,213 Cr
Net Interest Income
₹644.7 Cr
Net NPA %
2.1%
NIM %
20.07%
Provision Coverage %
41.4%
ROE %
15.09%
About Five-Star Business Finance Ltd
Financial Services · Finance
Five-Star Business Finance Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹1. Market cap ₹15,306.55 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- Net Interest Margin (NIM) of 20.07% indicates strong pricing power and efficient asset management.
- Capital Adequacy Ratio of 51.89% exceeds regulatory requirements, ensuring financial stability.
- Gross NPA of 3.46% and Net NPA of 2.1% reflect robust asset quality with manageable credit risk.
- Return on Capital Employed (ROCE) of 213.48% demonstrates exceptional efficiency in generating returns from capital.
- Return on Equity (ROE) of 183.93% highlights the company's ability to generate high returns for shareholders.
- Cost to Income ratio of 44.71% suggests efficient operational cost management.
Weaknesses
- Provision Coverage Ratio of 41.4% may indicate potential challenges in covering loan losses fully.
- Dividend Yield of 0.36% is relatively low, offering limited income to investors.
- Book Value per share of ₹249.89 is significantly lower than the market price, suggesting potential overvaluation.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 30.16 | ₹6,13,256.5 Cr | 0.61% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.52 | ₹2,80,096.25 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.28 | ₹2,30,350.39 Cr | 1.1% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 31.77 | ₹1,58,506.24 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 68.4 | ₹1,45,434.19 Cr | 0.27% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Cholamandalam Investment & Finance Company Ltd | - | 24.17 | ₹1,39,794.37 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Tata Capital Ltd | - | 25.45 | ₹1,39,274.15 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Bajaj Holdings & Investment Ltd | - | 13.63 | ₹1,20,749.01 Cr | 1.8% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.76 | ₹1,11,046.18 Cr | 1.08% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.18 | ₹1,08,952.86 Cr | 5.62% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,06,475.16 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 25.05 | ₹1,04,186.93 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.28 | ₹1,02,653.11 Cr | 1.34% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.91 | ₹98,766 Cr | 2.34% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.99 | ₹79,918.35 Cr | 6.11% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| L&T Finance Ltd | - | 22.07 | ₹70,266.92 Cr | 0.98% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| Nippon Life India Asset Management Ltd | - | 42.74 | ₹70,191.49 Cr | 1.96% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| Bajaj Housing Finance Ltd | - | 25.54 | ₹68,733.43 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| SBI Cards & Payment Services Ltd | - | 24.73 | ₹56,249.93 Cr | 0.42% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 23.24 | ₹52,882.54 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Sales | 799.44 | 815.07 | 816.95 | 828.98 |
| ↳ QoQ Growth | - | +2.0% | +0.2% | +1.5% |
| Expenses | 424.58 | 453.41 | 468.93 | 476.79 |
| Operating Profit | 374.85 | 361.65 | 348.02 | 352.19 |
| OPM % | 46.89% | 44.37% | 42.6% | 42.48% |
| Other Income | 7.07 | 7.16 | 9.11 | 9.76 |
| Interest | 179.98 | 188.53 | 181.39 | 171.51 |
| Depreciation | 9.11 | 9.61 | 10.1 | 9.21 |
| EBITDA | 383.96 | 371.26 | 358.12 | 361.4 |
| EBITDA Margin % | 48.03% | 45.55% | 43.84% | 43.6% |
| Profit Before Tax | 381.92 | 368.81 | 357.13 | 361.95 |
| Tax % | 25.08% | 24.89% | 24.6% | 25.01% |
| Net Profit | 286.14 | 277.03 | 269.27 | 271.41 |
| ↳ QoQ Growth | - | -3.2% | -2.8% | +0.8% |
| EPS | 9.72 | 9.41 | 9.14 | 9.19 |
Balance Sheet
| Mar 2018 | |
|---|---|
| Equity Capital | 19.1689 |
| Reserves | 580.9854 |
| Borrowings | 426.27 |
| Other Liabilities | 145.2 |
| Total Liabilities | 1171.621 |
| Fixed Assets | 6.354 |
| CWIP | 0.1413 |
| Investments | 0 |
| Other Assets | 1165.13 |
| Total Assets | 1171.621 |
Cash Flows
| Mar 2019 | |
|---|---|
| Cash from Operating Activity | -951.1282 |
| Cash from Investing Activity | 14.1661 |
| Cash from Financing Activity | 1025.191 |
| Net Cash Flow | 88.229 |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 18.57% | 18.56% | 18.61% | 18.61% |
| FIIs % | 55.81% | 52.94% | 48.47% | 43.97% |
| DIIs % | 12.17% | 14.73% | 17.58% | 22.35% |
| Public % | 9.47% | 9.04% | 10.17% | 9.82% |
| No. of Shareholders | 94,108 | 91,561 | 97,128 | 1,02,270 |
Major Shareholders (>1%)
- D LakshmipathyPromoter and Promoter Group10.51%
- Hdfc Mutual Fund - Hdfc Bse 500 EtfPublic Shareholding7.48%
- HemaPromoter and Promoter Group7.18%
- Sirius Ii Pte. Ltd.Public Shareholding5.96%
As of 2026-06-30View all shareholders →