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Five-Star Business Finance Ltd

FIVESTAR Share Price

568.703.60% (-21.25)
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With a market cap of ₹17,372 cr, stock is ranked 381

Stock is 3.40x as volatile as Nifty

FIVESTAR Stock Scorecard

Performance

Low

Hasn't fared well - amongst the low performers

Valuation

High

Seems to be overvalued vs the market average

Growth

Avg

Financials growth has been moderate for a few years

Profitability

High

Showing good signs of profitability & efficiency

Entry point

Good

The stock is underpriced and is not in the overbought zone

Red flags

Low

No red flag found

How to use scorecard? Learn more

With a market cap of ₹17,372 cr, stock is ranked 381

Stock is 3.40x as volatile as Nifty

FIVESTAR Performance & Key Metrics

FIVESTAR Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
15.722.760.34%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.902.430.98%

FIVESTAR Analyst Ratings & Forecast

Detailed Forecast Detailed Forecast 
91%
Analysts have suggested that investors can buy this stock

from 11 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

FIVESTAR Company Profile

Five-Star Business Finance Limited is a non-banking finance (NBFC) company. The Company provides secured loans to small business owners and self-employed individuals, as well as small mortgage loans to meet certain personal needs of its customers.

Investor Presentation

View older View older 

Jul 28, 2025

PDF
View Older Presentations

FIVESTAR Similar Stocks (Peers)

Compare with peers Compare with peers 

FIVESTAR Similar Stocks (Peers)

Compare with peers Compare with peers 
PE Ratio
38.44
38.44
1Y Return
52.69%
52.69%
Buy Reco %
51.72
51.72
PE Ratio
119.08
119.08
1Y Return
12.44%
12.44%
Buy Reco %
50.00
50.00
PE Ratio
16.31
16.31
1Y Return
32.20%
32.20%
Buy Reco %
90.00
90.00
PE Ratio
27.87
27.87
1Y Return
90.06%
90.06%
Buy Reco %
68.75
68.75
PE Ratio
33.17
33.17
1Y Return
29.67%
29.67%
Buy Reco %
59.38
59.38
Compare with Peers

FIVESTAR Sentiment Analysis

FIVESTAR Sentiment Analysis

New
Crisp summary & key insights to decode earnings calls instantly

FIVESTAR Stock Summary · November 2025

The company is poised for recovery, having stabilized its performance metrics after a challenging Q1, with management optimistic about growth in the latter half of the year driven by strategic enhancements in sourcing and underwriting. While facing increased credit costs and delinquency rates, particularly in smaller loan segments, proactive measures in risk management and a focus on higher ticket sizes are expected to improve asset quality. The introduction of a new housing loan product aims to diversify the portfolio, although its immediate impact may be limited. Additionally, a significant increase in fee income reflects operational improvements, while a shift towards digital transformation is streamlining processes and enhancing efficiency. Overall, the company is balancing growth ambitions with cautious risk management to navigate the evolving market landscape.

FIVESTAR Stock Growth Drivers
FIVESTAR Stock Growth Drivers
9
  • Stable Financial Performance

    The company reported a profit after tax (PAT) of Rs. 286 crores, reflecting a 7%

  • Investment in Infrastructure and Personnel

    The company has continued its investment in physical infrastructure, adding 33 branches and 769 business

FIVESTAR Stock Challenges
FIVESTAR Stock Challenges
6
  • Decreased Loan Disbursements

    The company reported a decrease in loan disbursements from Rs. 1,290 crores in Q1 to

  • Increased Write-Offs and Credit Costs

    There is an expectation of higher write-offs in the upcoming quarters due to favorable financial

FIVESTAR Forecast

FIVESTAR Forecasts

Price

Revenue

Earnings

FIVESTAR

FIVESTAR

Income

Balance Sheet

Cash Flow

FIVESTAR Income Statement

FIVESTAR Income Statement

Industry refers to the sub-sector this company belongs to.
Higher than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 29.49%, vs industry avg of 16.73%

Increasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 0.49% to 0.87%

Higher than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 32.57%, vs industry avg of 21.54%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue85.91197.06402.83787.341,051.251,256.171,528.932,195.102,866.023,088.49
Raw Materialssubtract1,580.73
Power & Fuel Costsubtract
Employee Costsubtract18.5842.9376.53127.11163.72236.12346.43428.59521.10
Selling & Administrative Expensessubtract
Operating & Other expensessubtract33.8277.25106.69300.87399.73403.59360.45625.99883.94
Depreciation/Amortizationsubtract0.922.594.1910.0711.3912.2417.3124.5730.3834.66
Interest & Other Itemssubtract
Taxes & Other Itemssubtract11.4121.4161.6987.35117.44150.66201.23280.02358.11367.64
EPS1.703.167.1410.6214.1116.6120.7128.6436.5537.55
DPS0.000.000.000.000.000.000.000.002.002.00
Payout ratio0.000.000.000.000.000.000.000.000.050.05

FIVESTAR Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2026FY 2026

Annual Report Pending

Investor Presentation

Jul 28PDF
FY 2025FY 2025

Annual report

PDF

Investor Presentation

Apr 29PDF
Jan 31PDF
Oct 29PDF
FY 2024FY 2024

Annual report

PDF

Investor Presentation

Jul 29PDF
FY 2023FY 2023

Annual report

PDF

Investor Presentation

May 9PDF
Jan 28PDF
 

FIVESTAR Stock Peers

FIVESTAR Past Performance & Peer Comparison

FIVESTAR Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Five-Star Business Finance Ltd16.202.760.34%
Bajaj Finance Ltd38.446.460.54%
Jio Financial Services Ltd119.081.550.17%
Shriram Finance Ltd16.312.761.19%

FIVESTAR Stock Price Comparison

Compare FIVESTAR with any stock or ETF
Compare FIVESTAR with any stock or ETF
FIVESTAR
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FIVESTAR Holdings

FIVESTAR Shareholdings

FIVESTAR Promoter Holdings Trend

FIVESTAR Promoter Holdings Trend

Decreased Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has decreased by 2.90%

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

FIVESTAR Institutional Holdings Trend

FIVESTAR Institutional Holdings Trend

Increased Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has increased by 2.33%

Decreased Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has decreased by 2.31%

Tickertape Separator

FIVESTAR Shareholding Pattern

FIVESTAR Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding18.57%8.23%3.94%55.81%13.46%

Dec 2024

Mar 2025

Jun 2025

Sep 2025

FIVESTAR Shareholding History

FIVESTAR Shareholding History

JunSepDec '24MarJunSep57.45%56.70%57.75%58.75%58.12%55.81%

Mutual Funds Invested in FIVESTAR

Mutual Funds Invested in FIVESTAR

No mutual funds holding trends are available

Top 5 Mutual Funds holding Five-Star Business Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
1.4501%0.28%0.01%70/78 (+3)
1.3942%1.34%0.33%58/85 (+5)
1.2710%0.21%0.13%186/310 (+3)

Compare 3-month MF holding change on Screener

FIVESTAR Insider Trades & Bulk Stock Deals

FIVESTAR Insider Trades & Bulk Stock Deals

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smallcases containing FIVESTAR stock

smallcases containing FIVESTAR stock

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have Five-Star Business Finance Ltd

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Banking Privately Theme

Banking Privately Theme

Created by Windmill Capital

FIVESTAR's Wtg.
4.97%
4.97%
CAGR
13.28%
Rising Rural Demand Theme

Rising Rural Demand Theme

Created by Windmill Capital

FIVESTAR's Wtg.
5.00%
5.00%
CAGR
10.45%

FIVESTAR Events

FIVESTAR Events

FIVESTAR Dividend Trend

No dividend trend available

Dividends

Corp. Actions

Announcements

Legal Orders

FIVESTAR Dividend Trend

No dividend trend available

FIVESTAR Upcoming Dividends

FIVESTAR Upcoming Dividends

No upcoming dividends are available

FIVESTAR Past Dividends

FIVESTAR Past Dividends

Cash Dividend

Ex DateEx DateAug 14, 2025

Final
Final | Div/Share: ₹2.00

Dividend/Share

2.00

Ex DateEx Date

Aug 14, 2025

FIVESTAR Stock News & Opinions

FIVESTAR Stock News & Opinions

Spotlight
Five-Star Business surges after Q2 PAT climbs 7% YoY to Rs 286 cr

Profit before tax (PBT) rose 6.62% YoY to Rs 381.92 crore in Q2 FY26. The company's asset under management (AUM) jumped 18% to Rs 12,847 crore in Q2 FY26, compared with Rs 10,927 crore in Q2 FY25. Disbursements stood at Rs 1,196 crore, registering de-growth of 4% compared with Rs 1,251 crore posted in corresponding quarter last year. Overall collection efficiency and unique customer collection efficiency for the quarter stood at 96.7% and 95.1% respectively. Expected credit loss (ECL) provision carried on books was amounted to Rs 243 crore (excluding ECL maintained on inter-corporate deposits), representing 1.89% of the overall AUM. Stage 3 provision was at Rs 153 crore, with a provision coverage ratio of 45.19%. Total borrowings including debt securities stood at Rs 8,376 crore as on 30th September'25. The cost of funds on overall borrowing book for the quarter eased to 9.27% in Q2 FY26 as against 9.54% in Q1 FY26. Lakshmipathy Deenadayalan, chairman & managing director, said, 'As we had updated in the last quarter, we have seen a stable performance from Five Star during the current quarter, across various metrics. The downtrend that we witnessed in Q1FY26 has been arrested in the current quarter, and from here onwards, we believe that we would see some green shoots emerging in Q3 and a much stronger performance in Q4. We have taken several strategies and actions towards this across sourcing, credit underwriting, collections and risk oversight. These are marked out as focus areas for us in the quarters to come, and we believe these will pave the way for building a bigger and stronger portfolio in the coming quarters. Our investment in physical infrastructure and people continues as can be seen from the addition of 33 branches and 769 Business & Collections Officers during Q2FY2026. During this quarter, we disbursed Rs 1,196 crore of loans as against Rs 1,290 crore in Q1FY2026, and the drop in disbursements can be attributed to the additional controls that have been implemented for the first time during this quarter towards onboarding the right customers. With our system getting attuned to these changes, we should start seeing increase in disbursements and increased AUM growth in the quarters to come.' Five-Star Business Finance is a non-banking finance company (NBFC-ND-SI) registered with Reserve Bank of India. The company primarily offers small loans for business purposes, asset creation and other economic purposes to small business customers and self-employed individuals after due underwriting of their cashflows and backed by the collateral of their house property.Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
Five-Star Business Finance standalone net profit rises 6.79% in the September 2025 quarter

Net profit of Five-Star Business Finance rose 6.79% to Rs 286.14 crore in the quarter ended September 2025 as against Rs 267.94 crore during the previous quarter ended September 2024. Sales rose 13.87% to Rs 799.44 crore in the quarter ended September 2025 as against Rs 702.05 crore during the previous quarter ended September 2024. ParticularsQuarter EndedSep. 2025Sep. 2024% Var. Sales799.44702.05 14 OPM %70.5474.67 - PBDT391.03364.88 7 PBT381.92358.21 7 NP286.14267.94 7 Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Five-Star Business Finance to announce Quarterly Result

Five-Star Business Finance will hold a meeting of the Board of Directors of the Company on 29 October 2025.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Five-Star Business Finance allots 6,385 equity shares under ESOS

Five-Star Business Finance has allotted 6,385 Equity shares of Re 1.00 each on August 06, 2025, pursuant to exercise of stock options under Five-Star Associate Stock Option Scheme, 2018. The paid-up share capital of the Company has accordingly increased from Rs 29,44,42,445 consisting of 29,44,42,445 equity shares having a face value of Re 1.00 each to Rs 29,44,48,830 consisting of 29,44,48,830 equity shares having a face value of Rs 1.00 each. Powered by Capital Market - Live

3 months agoCapital Market - Live
Earnings
Five-Star Business Finance standalone net profit rises 5.86% in the June 2025 quarter

Net profit of Five-Star Business Finance rose 5.86% to Rs 266.31 crore in the quarter ended June 2025 as against Rs 251.57 crore during the previous quarter ended June 2024. Sales rose 18.10% to Rs 786.68 crore in the quarter ended June 2025 as against Rs 666.14 crore during the previous quarter ended June 2024. ParticularsQuarter EndedJun. 2025Jun. 2024% Var. Sales786.68666.14 18 OPM %69.4074.69 - PBDT363.17342.56 6 PBT354.95336.19 6 NP266.31251.57 6 Powered by Capital Market - Live

4 months agoCapital Market - Live
Corporate
Five-Star Business Finance schedules AGM

Five-Star Business Finance announced that the 41th Annual General Meeting(AGM) of the company will be held on 9 September 2025.Powered by Capital Market - Live

4 months agoCapital Market - Live
Corporate
Five-Star Business Finance to discuss results

Five-Star Business Finance will hold a meeting of the Board of Directors of the Company on 28 July 2025.Powered by Capital Market - Live

4 months agoCapital Market - Live
Corporate
Five-Star Business Finance allots 4,790 equity shares under ASOP

Five-Star Business Finance has allotted 4,790 equity shares of Re 1 each pursuant to exercise of stock options under Five-Star Associate Stock Option Scheme, 2018. The paid-up share capital of the Company has accordingly increased from Rs 29,44,35,045 consisting of 29,44,35,045 equity shares having a face value of Re 1.00 each to Rs 29,44,39,835 consisting of 29,44,39,835 equity shares having a face value of Re 1.00 each. Powered by Capital Market - Live

6 months agoCapital Market - Live
Corporate
Five-Star Business Finance allots 7,945 equity shares under ESOS

Five-Star Business Finance has allotted 7,945 equity shares under ESOS on 09 May 2025. The paid-up share capital of the Company has accordingly increased from Rs 29,44,27,100 consisting of 29,44,27,100 equity shares having a face value of Rs 1.00 each to Rs 29,44,35,045 consisting of 29,44,35,045 equity shares having a face value of Rs 1.00 each. Powered by Capital Market - Live

6 months agoCapital Market - Live
Corporate
Board of Five-Star Business Finance recommends final dividend

Five-Star Business Finance announced that the Board of Directors of the Company at its meeting held on 29 April 2025, inter alia, have recommended the final dividend of Rs 2 per equity Share (i.e. 200%) , subject to the approval of the shareholders.Powered by Capital Market - Live

7 months agoCapital Market - Live

Frequently asked questions

Frequently asked questions

  1. What is the share price of Five-Star Business Finance Ltd (FIVESTAR) today?

    The share price of FIVESTAR as on 5th December 2025 is ₹568.70. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Five-Star Business Finance Ltd (FIVESTAR) share?

    The past returns of Five-Star Business Finance Ltd (FIVESTAR) share are
    • Past 1 week: -4.86%
    • Past 1 month: -11.65%
    • Past 3 months: 12.02%
    • Past 6 months: -14.17%
    • Past 1 year: -6.54%
    • Past 3 years: 13.89%
    • Past 5 years: 20.40%

  3. What are the peers or stocks similar to Five-Star Business Finance Ltd (FIVESTAR)?
  4. What is the dividend yield % of Five-Star Business Finance Ltd (FIVESTAR) share?

    The current dividend yield of Five-Star Business Finance Ltd (FIVESTAR) is 0.34.

  5. What is the market cap of Five-Star Business Finance Ltd (FIVESTAR) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Five-Star Business Finance Ltd (FIVESTAR) is ₹17372.52 Cr as of 5th December 2025.

  6. What is the 52 week high and low of Five-Star Business Finance Ltd (FIVESTAR) share?

    The 52-week high of Five-Star Business Finance Ltd (FIVESTAR) is ₹850 and the 52-week low is ₹501.

  7. What is the PE and PB ratio of Five-Star Business Finance Ltd (FIVESTAR) stock?

    The P/E (price-to-earnings) ratio of Five-Star Business Finance Ltd (FIVESTAR) is 16.20. The P/B (price-to-book) ratio is 2.76.

  8. Which sector does Five-Star Business Finance Ltd (FIVESTAR) belong to?

    Five-Star Business Finance Ltd (FIVESTAR) belongs to the Financials sector & Consumer Finance sub-sector.

  9. How to buy Five-Star Business Finance Ltd (FIVESTAR) shares?

    You can directly buy Five-Star Business Finance Ltd (FIVESTAR) shares on Tickertape. Simply sign up, connect your demat account and place your order.