Overview

Detailed Summary

Five-Star Business Finance Limited is a non-banking financial company (NBFC) that provides secured financial solutions primarily to small business customers and self-employed individuals. The company operates predominantly in Southern India, with a focus on expanding its presence across the country.
In Q3FY26, the company reported a strong liquidity buffer of ₹22,764 million and continued expansion with the addition of 35 branches, taking its total to 835 branches. Despite modest growth in loan disbursement y-o-y, there was q-o-q growth in net worth by 4%.
The company has maintained a resilient asset quality with a Gross NPA of 3.18% for Q3FY26, attributing significant focus to collections and asset quality stabilization. Its profitability was slightly impacted by external conditions, maintaining a Return on Assets (ROA) of 7% and a Return on Equity (ROE) of 15.8%.
Management has emphasized a three-step approach to overcoming market challenges, focusing firstly on understanding and addressing current crises, then fixing underlying issues, and lastly on accelerating growth subsequent to stabilizing collections.
Five-Star Business Finance is actively reinforcing its collections infrastructure and strengthening underwriting practices, ensuring customer credit worthiness is established steadfastly.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 10,656 Cr
Volatility: Moderate Risk
P/E Ratio: 11.4
Industry P/E: 17.0
PEG Ratio: 0.6
P/B Ratio: 1.6
52W High: 850.45
52W Low: 338.05

Sales CAGR

1Y: 103.81%
3Y: 31.44%
5Y: 29.34%
10Y: —

Profit CAGR

1Y: 193.10%
3Y: 33.23%
5Y: 32.57%
10Y: —

ROE

TTM: 16.24%
3Y: 15.86%
5Y: 15.20%
10Y: —

ROCE

TTM: 14.39%
3Y: 13.88%
5Y: 13.99%
10Y: —

Technicals

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Forecasts

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Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
CGCL		166.40	16,010 Cr	18.57	2.40	0.10	10.74	10.39	3.46
FIVESTAR		361.00	10,656 Cr	11.43	1.56	0.55	16.24	14.39	7.18
SBFC		82.84	9,143 Cr	26.78	2.85	0.00	10.82	10.38	4.02
BENGALASM		5800.05	6,609 Cr	7.87	0.65	0.86	8.05	4.77	2.75
MASFIN		297.00	5,288 Cr	15.66	1.88	0.58	12.02	10.18	2.70
FEDFINA		137.20	5,121 Cr	16.38	1.89	0.00	9.06	9.14	2.36
DHENUBUILD		8.19	4,860 Cr	9157.29	5.76	0.00	15.90	0.05	0.13
Median: 7 Co.	—	166.40	6,609 Cr	16.38	1.89	0.10	10.82	10.18	2.75

Financial Statements

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Standalone Quarterly Results (in ₹ Crores)

Total Figures

QoQ Changes

Total Figures

	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	519	567	616	666	702	727	752	787	799	815
Expenses	144	145	161	169	178	186	204	241	235	255
Interest	106	129	138	158	163	171	175	187	180	189
Financing Profit	269	294	318	339	361	370	373	359	384	371
Financing Margin %	51.87	51.80	51.56	50.94	51.43	50.84	49.53	45.59	48.03	45.55
Other Income	3.55	2.65	2.85	3.24	3.79	3.68	7.48	4.51	7.07	7.16
Depreciation	5.69	6.64	7.40	6.37	6.67	8.34	8.99	8.22	9.11	9.61
Profit Before Tax	267	290	313	336	358	365	371	355	382	369
Tax %	25.32	25.23	24.63	25.17	25.20	25.00	24.78	24.97	25.08	24.89
Net Profit	199	217	236	252	268	274	279	266	286	277
EPS in Rs	6.71	7.31	7.95	8.47	9.01	9.31	9.55	9.02	9.69	9.38
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018
Revenue	84	192
Expenses	29	67
Interest	24	58
Financing Profit	30	67
Financing Margin %	36.43	34.96
Other Income	3.46	16
Depreciation	0.92	2.59
Profit Before Tax	31	79
Tax %	37.01	28.97
Net Profit	20	56
EPS in Rs	—	—
Dividend Payout %	0.00	0.00

Consolidated Balance Sheet (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018
Equity Capital	14	19
Reserves	211	581
Borrowings	381	426
Other Liabilities	88	145
Total Liabilities	694	1,172
Fixed Assets	4.86	6.35
CWIP	1.58	0.14
Investments	0.00	0.00
Other Assets	688	1,165
Total Assets	694	1,172

Consolidated Cash Flows (in ₹ Crores)

View Standalone

Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019
Cash from Operating Activity	-271	-465	-951
Cash from Investing Activity	-2.47	2.01	14
Cash from Financing Activity	440	410	1,025
Net Cash Flow	167	-53	88

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Promoters	34.87%	34.39%	31.30%	26.53%	26.51%	26.51%	21.59%	21.55%	21.47%	21.47%	18.57%	18.56%
FIIs	6.98%	8.74%	50.22%	54.28%	56.07%	57.45%	56.70%	57.75%	58.75%	58.12%	55.81%	52.94%
DIIs	5.05%	4.71%	7.52%	7.81%	6.98%	6.07%	8.99%	10.11%	9.09%	9.48%	12.16%	14.73%
Public	53.11%	52.16%	10.95%	11.38%	10.45%	9.96%	12.72%	10.60%	10.68%	10.93%	13.46%	13.76%
Total Shareholders	26,481	30,655	40,121	51,906	50,442	48,897	58,902	71,229	76,899	69,039	94,108	91,561

Market Transactions

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Projection

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Documents

Presentations

Concalls

Reports

Presentations

Investor Presentation

Q3 FY26

Investor Presentation

Q2 FY26

Investor Presentation

Q1 FY26

Available on Pro Plan