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Five-Star Business Finance Limited
(FIVESTAR)
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Rating:70Outperform
Price Target:
₹602.00
▲(12.49% Upside)
Action:Upgraded
Date:08/06/26
The score is primarily supported by strong profitability and steady growth, but capped by the key financial risk of historically weak and volatile cash generation (despite the FY2026 turnaround) and elevated leverage. Technicals are moderately positive and valuation appears reasonable, with the low dividend yield offering only minor support.
Positive Factors
High Profitability
Sustained high net margins (~40%) and consistent operating profitability create durable internal earnings power. This supports reinvestment, provisioning buffers and credit for growth, allowing the firm to finance expansion and absorb credit shocks without immediate capital raising.
Negative Factors
Rising Leverage
Elevated and rising leverage reduces balance‑sheet flexibility and increases funding and interest‑rate vulnerability. Higher debt amplifies downside in credit cycles, constrains capital buffers for provisions, and may necessitate higher funding costs or capital raises during stress.
Read all positive and negative factors
Positive Factors
Negative Factors
High Profitability
Sustained high net margins (~40%) and consistent operating profitability create durable internal earnings power. This supports reinvestment, provisioning buffers and credit for growth, allowing the firm to finance expansion and absorb credit shocks without immediate capital raising.
Read all positive factors
Five-Star Business Finance Limited (FIVESTAR) vs. iShares MSCI India ETF (INDA)
Market Cap
₹162.58B
Dividend Yield0.73%
Average Volume (3M)117.99K
Price to Earnings (P/E)14.8
Beta (1Y)0.93
Revenue Growth10.23%
EPS Growth1.08%
CountryIN
Employees6,564
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)37.46
Shares Outstanding295,188,630
10 Day Avg. Volume213,728
30 Day Avg. Volume117,989
Financial Highlights & Ratios
PEG Ratio4.95
Price to Book (P/B)1.41
Price to Sales (P/S)3.20
P/FCF Ratio7.70
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹600.00Price Target Upside12.12% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)40.46
Revenue Forecast (FY)₹28.41B
Five-Star Business Finance Limited Business Overview & Revenue Model
Company Description
Five-Star Business Finance Limited operates as a non-banking financial company in India. It offers small business and mortgage loans to micro-entrepreneurs and self-employed individuals for business purposes, home renovation, marriage, healthcare,...
How the Company Makes Money
FIVESTAR primarily makes money through interest income earned on its loan portfolio, i.e., the difference between (a) the interest it charges borrowers on secured loans and (b) the cost of funds it pays to raise capital (such as bank borrowings, m...
Five-Star Business Finance Limited Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
72
Positive
Cash Flow
34
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 32.61B | 32.46B | 27.06B | 20.78B | 14.70B | 12.33B |
| Gross Profit | 21.62B | 24.35B | 16.61B | 12.70B | 10.07B | 6.96B |
| EBITDA | 16.45B | 15.00B | 15.36B | 11.72B | 9.09B | 6.39B |
| Net Income | 11.04B | 10.99B | 10.72B | 8.36B | 6.03B | 4.54B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 157.90B | 144.21B | 116.89B | 87.03B | 63.43B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 21.49B | 21.55B | 16.72B | 15.81B | 9.18B |
| Total Debt | 0.00 | 82.00B | 79.22B | 63.52B | 42.77B | 25.80B |
| Total Liabilities | -73.80B | 84.10B | 81.16B | 64.93B | 43.63B | 26.33B |
| Stockholders Equity | 73.80B | 73.80B | 63.05B | 51.96B | 43.40B | 37.10B |
Cash Flow | ||||||
| Free Cash Flow | -3.43B | 13.50B | -11.28B | -21.45B | -11.35B | -2.86B |
| Operating Cash Flow | -3.26B | 13.76B | -10.45B | -21.22B | -11.23B | -2.77B |
| Investing Cash Flow | -7.99M | -14.12B | -5.85B | 2.10B | 1.62B | -3.84B |
| Financing Cash Flow | 3.53B | 1.57B | 15.93B | 21.06B | 16.88B | 70.24M |
Five-Star Business Finance Limited Technical Analysis
Positive
535.15
Price Trends
539.76
Positive
505.22
Positive
490.64
Positive
Market Momentum
0.18
Negative
58.57
Neutral
72.99
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:FIVESTAR, the sentiment is Positive. The current price of 535.15 is above the 20-day moving average (MA) of 527.45, below the 50-day MA of 539.76, and above the 200-day MA of 490.64, indicating a bullish trend. The MACD of 0.18 indicates Negative momentum. The RSI at 58.57 is Neutral, neither overbought nor oversold. The STOCH value of 72.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:FIVESTAR.
Five-Star Business Finance Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | ₹255.16B | 12.13 | ― | 0.67% | 37.25% | 548.30% | |
70 Outperform | ₹162.58B | 14.83 | ― | 0.73% | 10.23% | 1.08% | |
70 Outperform | ₹256.03B | 22.67 | ― | 0.08% | 50.33% | 69.09% | |
63 Neutral | ₹39.85B | -10.05 | ― | 1.08% | -1.90% | -151.41% | |
62 Neutral | ₹108.54B | 22.44 | ― | ― | 27.55% | 28.90% | |
58 Neutral | ₹53.66B | 13.73 | ― | 0.68% | 23.25% | 21.56% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:FIVESTAR
Five-Star Business Finance Limited
550.75
11.91
2.21%
IN:CGCL
Capri Global Capital Limited
266.10
77.14
40.82%
IN:IIFL
IIFL Finance Limited
599.85
162.49
37.15%
IN:INDOSTAR
IndoStar Capital Finance Limited
246.50
-15.80
-6.02%
IN:MASFIN
MAS Financial Services Ltd.
295.70
-21.88
-6.89%
IN:SBFC
SBFC Finance Limited
98.15
-8.45
-7.93%
Five-Star Business Finance Limited Corporate Events
Five-Star Business Finance files FY 2025-26 sustainability report with exchanges
Aug 6, 2026
Five-Star Business Finance Limited has submitted its Business Responsibility and Sustainability Report for the financial year 2025-26 to the National Stock Exchange of India and BSE, in compliance with Regulation 34(2)(f) of SEBI’s Listing O...
Five-Star Business Finance to Seek Shareholder Nod for ₹5,000 Crore NCD Programme at AGM
Aug 6, 2026
Five-Star Business Finance Limited has scheduled its 42nd Annual General Meeting for August 31, 2026, at 10:00 a.m. IST, to be held via video conferencing and other audio-visual means. The AGM notice and related details are available on the compan...
Five-Star Business Finance Schedules Virtual Meeting With Sameeksha Capital
Aug 5, 2026
Five-Star Business Finance Limited has informed the stock exchanges that its officials will hold a virtual one-on-one investor and analyst meeting with Sameeksha Capital on August 06, 2026. The company has made its investor presentation publicly a...
Five-Star Business Finance Publishes Q1 FY27 Unaudited Results in National and Regional Dailies
Jul 26, 2026
Five-Star Business Finance Limited has announced that its unaudited financial results for the quarter ended June 30, 2026 have been published in leading newspapers. The disclosure appeared in the English-language Financial Express and the Tamil-la...
Five-Star Business Finance Sets August 31 Virtual AGM for Shareholders
Jul 25, 2026
Five-Star Business Finance Limited has scheduled its 42nd Annual General Meeting for August 31, 2026, at 10:00 a.m., to be conducted through video conference and other audio-visual means. The company has also made AGM-related information available...
Five-Star Business Finance outlines final dividend and TDS procedures for FY 2025-26
Jul 25, 2026
Five-Star Business Finance Limited has recommended a final dividend of Rs 2 per equity share of face value Rs 1 for the financial year 2025-26, with the payout subject to shareholder approval at the annual general meeting scheduled for August 31, ...
Five-Star Business Finance Schedules Q1 FY27 Earnings Call for July 27
Jul 9, 2026
Five-Star Business Finance Limited has announced that it will host an earnings conference call on July 27, 2026, to discuss its financial and operational performance for the quarter ended June 30, 2026. The call, organized with DAM Capital Advisor...
Five-Star Business Finance Plans Analyst Meetings With Major Institutional Investors
Jun 9, 2026
Five-Star Business Finance Limited has scheduled a series of investor and analyst meetings on June 12, 2026, including sessions with major institutional investors and asset managers such as Ashmore, UTI Mutual Fund, DSP Mutual Fund and Goldman Sac...
Five-Star Business Finance Schedules Investor Meet With ICICI Prudential
Jun 7, 2026
Five-Star Business Finance has notified the exchanges that its officials will hold a virtual one-on-one investor and analyst meeting with ICICI Prudential Life Insurance on June 8, 2026. The company stated that the discussion will rely solely on i...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.