FIVESTAR

Five-Star Business Finance Limited

NBFC providing small-ticket secured business loans to self-employed individuals

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

fivestargroup.in(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹506.15
Market cap
14,941 Cr
Stock P/E
13.5
P/B
2.02
Dividend yield
0.4%
ROE (FY26)
14.9%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Five-Star Business Finance is a non-banking finance company that gives small secured business loans to customers with informal income, backed by property such as the borrower's own home.

Company snapshot

17thBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Positives
  • ✓Net margin of 34.1% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income398 Cr421 Cr462 Cr483 Cr516 Cr540 Cr559 Cr577 Cr593 Cr607 Cr614 Cr636 Cr
Other income0 Cr3 Cr3 Cr3 Cr4 Cr4 Cr7 Cr5 Cr7 Cr7 Cr9 Cr10 Cr
Net operating income398 Cr423 Cr464 Cr486 Cr520 Cr544 Cr567 Cr582 Cr600 Cr614 Cr623 Cr646 Cr
Employee cost106 Cr110 Cr114 Cr123 Cr125 Cr129 Cr144 Cr156 Cr144 Cr160 Cr170 Cr189 Cr
Other expenses27 Cr25 Cr27 Cr27 Cr31 Cr34 Cr35 Cr37 Cr41 Cr38 Cr47 Cr45 Cr
Provisions & contingencies————————————
Depreciation6 Cr7 Cr7 Cr6 Cr7 Cr8 Cr9 Cr8 Cr9 Cr10 Cr10 Cr9 Cr
Profit before tax267 Cr290 Cr313 Cr336 Cr358 Cr365 Cr371 Cr355 Cr382 Cr369 Cr357 Cr362 Cr
Tax %25.3%25.2%24.6%25.2%25.2%25.0%24.8%25.0%25.1%24.9%24.6%25.0%
Net profit199 Cr217 Cr236 Cr252 Cr268 Cr274 Cr279 Cr266 Cr286 Cr277 Cr269 Cr271 Cr
EPS (₹)₹6.85₹7.42₹8.07₹8.60₹9.16₹9.36₹9.49₹9.04₹9.72₹9.41₹9.14₹9.19

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income———1,233 Cr1,648 Cr2,098 Cr2,392 CrSign in free for the trailing twelve months
Other income0.63 Cr2 Cr2 Cr0 Cr12 Cr18 Cr28 CrSign in free for the trailing twelve months
Net operating income0.63 Cr2 Cr2 Cr1,233 Cr1,660 Cr2,116 Cr2,420 CrSign in free for the trailing twelve months
Employee cost127 Cr164 Cr236 Cr346 Cr429 Cr521 Cr630 CrSign in free for the trailing twelve months
Other expenses34 Cr37 Cr57 Cr74 Cr102 Cr127 Cr163 CrSign in free for the trailing twelve months
Provisions & contingencies———————Sign in free for the trailing twelve months
Depreciation10 Cr11 Cr12 Cr17 Cr25 Cr30 Cr37 CrSign in free for the trailing twelve months
Profit before tax349 Cr476 Cr604 Cr805 Cr1,116 Cr1,431 Cr1,463 CrSign in free for the trailing twelve months
Tax %25.0%24.7%24.9%25.0%25.1%25.0%24.9%Sign in free for the trailing twelve months
Net profit262 Cr359 Cr454 Cr603 Cr836 Cr1,072 Cr1,099 CrSign in free for the trailing twelve months
EPS (₹)₹10.32₹14.01₹16.09₹20.71₹28.64₹36.61₹37.31Sign in free for the trailing twelve months
Dividend payout %———0.0%0.0%0.0%5.4%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital26 Cr26 Cr29 Cr29 Cr29 Cr29 Cr30 Cr
Reserves1,919 Cr2,293 Cr3,681 Cr4,310 Cr5,167 Cr6,275 Cr7,351 Cr
Borrowings2,364 Cr3,425 Cr2,559 Cr4,247 Cr6,316 Cr7,922 Cr8,200 Cr
Other liabilities45 Cr50 Cr74 Cr116 Cr177 Cr194 Cr209 Cr
Total liabilities4,353 Cr5,794 Cr6,343 Cr8,703 Cr11,689 Cr14,421 Cr15,790 Cr
Fixed assets (net)11 Cr8 Cr12 Cr15 Cr21 Cr24 Cr26 Cr
CWIP———0 Cr—62 Cr72 Cr
Investments———145 Cr108 Cr212 Cr227 Cr
Loans & advances———6,822 Cr9,685 Cr11,687 Cr12,985 Cr
Cash & bank290 Cr1,267 Cr613 Cr1,340 Cr1,534 Cr1,497 Cr1,618 Cr
Other assets4,052 Cr4,518 Cr5,718 Cr380 Cr341 Cr938 Cr861 Cr
Total assets4,353 Cr5,794 Cr6,343 Cr8,703 Cr11,689 Cr14,421 Cr15,790 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-1,523 Cr-157 Cr-277 Cr-1,123 Cr-2,122 Cr-1,045 Cr-264 Cr
Cash from investing-132 Cr102 Cr-384 Cr162 Cr210 Cr-585 Cr228 Cr
Cash from financing1,725 Cr1,033 Cr7 Cr1,688 Cr2,106 Cr1,593 Cr157 Cr
Net cash flow70 Cr977 Cr-654 Cr727 Cr194 Cr-37 Cr121 Cr
Free cash flow (OCF − Capex)-1,533 Cr-161 Cr-286 Cr-1,135 Cr-2,145 Cr-1,128 Cr-290 Cr

Ratios

MetricMar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %13.5%15.5%12.2%13.9%16.1%17.0%14.9%
Debt / equity1.221.480.690.981.221.261.11