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Financial Services | Small Cap
Health Score : 8.55Five-Star Business Finance Ltd. shows exceptional financial health, primarily driven by phenomenal growth and outstanding profitability. The company is expanding its sales, profits, and assets at a very high rate. It operates with zero debt, giving it a rock-solid foundation and very low long-term financial risk. Its ability to generate profit from sales is a major strength. However, there are areas that present a mixed picture. While it has a large amount of short-term assets, its core operations have been using more cash than they generate, which is a key risk factor. Additionally, efficiency in using its large capital base shows potential for improvement, and financial returns to shareholders, such as dividends, are not a current priority as the company focuses on reinvesting for future growth.
Health Score : 8.55Five-Star Business Finance Ltd. shows exceptional financial health, primarily driven by phenomenal growth and outstanding profitability. The company is expanding its sales, profits, and assets at a very high rate. It operates with zero debt, giving it a rock-solid foundation and very low long-term financial risk. Its ability to generate profit from sales is a major strength. However, there are areas that present a mixed picture. While it has a large amount of short-term assets, its core operations have been using more cash than they generate, which is a key risk factor. Additionally, efficiency in using its large capital base shows potential for improvement, and financial returns to shareholders, such as dividends, are not a current priority as the company focuses on reinvesting for future growth.
Overall Valuation Score
Markets Depth NSE
Buy Orders
Bid
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0
0
Sell Orders
Ask
Quantity
Orders
No sell depth
Total
0
0
Markets Today NSE
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0.00
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0.00
Open
0.00
Close
0.00
Prev Close
0.00
Avg Price
0.00
Volume
0
Last Traded Quantity
0
Last Traded Time
N/A
Price Movement Indicator
Today's Low: 0.00
Today's High: 0.00
P/E RATIO (TTM)
14.46
Industry Median
20.55
Small Cap Median
13.12
P/E RATIO
8.21
P/B RATIO
N/A
Industry Median
1.24
Small Cap Median
0.95
P/S RATIO
38.81
Industry Median
4.30
Small Cap Median
3.07
Others
PEG RATIO
0.00
EV/EBITDA RATIO
55.73
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹538.1 as on Sep 1, 2026.
Growth Score : 10.00The company's growth profile is spectacular. It is experiencing explosive, high-triple-digit growth across every key area, including revenue, operating profit, net income, and assets. This indicates a period of rapid expansion and strong market acceptance of its services. Such phenomenal growth is a major strength, suggesting a successful business model and a promising future outlook, provided this momentum can be managed effectively.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 |
|---|---|---|---|---|
| Revenue Growth Rate | 41.18 | 81.25 | 131.03 | 103.48 |
| Operating Profit Growth Rate | 31.25 | 52.38 | 140.62 | 189.61 |
| Earnings Per Share (EPS) Growth | 31.76 | 7.25 | 102.76 | 135.11 |
| Asset Growth Rate | 36.36 | 208.44 | 65.99 | 103.99 |
| Net Income Growth Rate | 40 | 42.86 | 165 | 196.23 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | Five-Star Business Finance Ltd | 8.55 | 8.21 | Neutral | 223.00 | 37.22 | 157.00 |
| 2 | SBFC Finance Ltd | 8.38 | 31.43 | Neutral | 475.00 | 4.33 | 345.00 |
| 3 | Manappuram Finance Ltd | 3.83 | 28.44 | Neutral | 1561.00 | 16.23 | 993.00 |
| 4 | PEL | N/A | N/A | N/A | N/A | N/A | N/A |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bearish
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Analyzing moving average trends and crossovers. Green/Red badges indicate if the current condition passes or fails.
Comparing stock price performance (normalized) against benchmark indices over time.
Recent daily trading volume represented as a bar chart, alongside historical averages.
Current closing price relative to the 52-week highest and lowest prices.
Quarterly Report⬤28th Apr 26
Financial Results for the Quarter and Year Ended March 31, 2026
UNDEFINED SENTIMENT
Concall Report⬤3rd Feb 26
Q3 FY26 Earnings Conference Call
NEUTRAL SENTIMENT
Five-Star Business Finance Ltd is a Chennai-based NBFC offering secured small business and housing loans to self-employed individuals and micro-entrepreneurs. It primarily serves the unbanked and underserved segments in semi-urban and rural areas of India, focusing on South Indian states.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Five-Star Business Finance Ltd's P/E ratio (TTM) is 14.46, compared to the industry median of 20.55 and large cap median of 13.12.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Five-Star Business Finance Ltd's P/B ratio is N/A, compared to the industry median of 1.24 and large cap median of 0.95.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Five-Star Business Finance Ltd's P/S ratio is 38.81, compared to the industry median of 4.30 and large cap median of 3.07.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Five-Star Business Finance Ltd's PEG ratio is N/A.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Five-Star Business Finance Ltd's EV/EBITDA ratio is 55.73.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Five-Star Business Finance Ltd's ROE is 11.50%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Five-Star Business Finance Ltd's ROA is 9.49%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Five-Star Business Finance Ltd's ROCE is 21.54%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Five-Star Business Finance Ltd's operating margin is 54.52%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Five-Star Business Finance Ltd's net margin is 38.39%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Five-Star Business Finance Ltd's current ratio is 78.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Five-Star Business Finance Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Five-Star Business Finance Ltd's interest coverage ratio is 3.87.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Five-Star Business Finance Ltd's DPS is ₹0.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Five-Star Business Finance Ltd's EPS is 135.11.
(Source line: "Ratios as of 30 Sept 2026, based on last traded price of ₹538.10. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1984 (as Five-Star Business Credits Private Limited)
Headquarters: Chennai, Tamil Nadu
Core Offerings: Small business loans, Housing loans, Loans against property, Secured micro-enterprise loans
Stock Listing: NSE (FIVESTAR), BSE (543663)
Promoter: Professionally managed
1984: Incorporated as Five-Star Business Credits Private Limited. 2005: Shifted focus to micro-enterprise lending. 2009: Renamed to Five-Star Business Finance Private Limited. 2014 onwards: Received significant private equity investments from Matrix Partners, TPG, Norwest Venture Partners, Sequoia Capital, and KKR. 2022: Successfully listed on Indian stock exchanges (NSE/BSE) through an Initial Public Offering (IPO). Present: Operates as a leading NBFC catering to the financial needs of underserved segments.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Small Business Loans | N/A | Operating Profit |
| Housing Loans | N/A | Operating Profit |
Small Business Loans: Constitutes the majority of the Asset Under Management (AUM), typically ranging from 75-80%. These are secured loans provided to micro-entrepreneurs against property collateral for business expansion or working capital.
Housing Loans: Makes up the remaining AUM, approximately 20-25%. These loans are offered to self-employed individuals for the construction, purchase, or renovation of residential properties.
Geographic Presence: Predominantly operates with a dense branch network across South India (Tamil Nadu, Andhra Pradesh, Telangana, Karnataka) and has expanded into central Indian states like Madhya Pradesh and Uttar Pradesh.
Customer Focus: Specializes in serving the financial needs of unbanked and underserved segments, particularly self-employed individuals and micro-business owners who may lack formal credit history.
D. Lakshmipathy - Chairman & Managing Director. With over three decades of experience in the financial services sector, he has been instrumental in the company's strategic direction and growth since its inception.
No major subsidiaries reported.
Initial Public Offering (IPO) in November 2022. No major recent corporate actions on record.
The Five-Star Business Finance Ltd share price today is ₹538.10 on NSE (FIVESTAR), as of 30 Sept 2026.
As of 30 Sept 2026, Five-Star Business Finance Ltd share price is ₹538.10, with previous close ₹538.10. Today's range is ₹538.10 to ₹538.10. The 52-week range is ₹338.15 to ₹606.90.
As of today, Five-Star Business Finance Ltd's market cap is ₹15,873.95 crore (Mid Cap).
Five-Star Business Finance Ltd's current P/E ratio is 14.46, compared to the BANKING AND FINANCE sector average of N/A.
Five-Star Business Finance Ltd's current P/B ratio is N/A.
Five-Star Business Finance Ltd's current dividend yield is N/A. Last dividend of ₹0.00 per share was declared on N/A.
Five-Star Business Finance Ltd's EPS (TTM) is ₹135.11.
Five-Star Business Finance Ltd is a Chennai-based NBFC offering secured small business and housing loans to self-employed individuals and micro-entrepreneurs. It primarily serves the unbanked and underserved segments in semi-urban and rural areas of India, focusing on South Indian states.
Five-Star Business Finance Ltd is promoted by Professionally managed, holding 18.61% as of 30 Sept 2026.
Five-Star Business Finance Ltd is listed on NSE (FIVESTAR) and BSE (543663). Its next quarterly results are expected on Q2 FY25 (October/November 2024).
