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Five-Star Business Finance
Mid Cap•9,322 Employees•IPO 2022
Current Price
₹353.20
-15.65 (-4.24%)Updated
Valuation vs Sector
P/E Ratio
10.30vs 18.54
P/B Ratio
1.68vs 2.09
Div Yield
0.00%vs 0.59%
Today's Range
343.25
₹353.20
368
52 Week Range
52W Low₹364.55
52W High₹850.00
₹353.20
Downside-3.11%
Upside140.66%
Price Chart
Compare with Peers
Historical Ratios
Track top 12 most important financial ratios
P/E Ratio: Price to Earnings - Most used valuation metric
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Analyzing Investment Quality
Processing 9 key metrics...
Key Metrics
Hover for details
Valuation
Market Cap
₹13,142.57 Cr
Market Cap
Total market value of companyP/E Ratio
11.76
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)P/B Ratio
2.32
P/B Ratio
Price to Book Value. <3 may indicate undervaluationEPS
₹37.60
EPS
Earnings Per Share. Higher and growing is positiveProfitability
ROE
8.62%
ROE
Return on Equity. >15% is good, >20% is excellentROCE
17.00%
ROCE
Return on Capital Employed. >15% is goodNet Margin
36.82%
Net Margin
Net profit as % of revenue. >10% is goodOperating Margin
-%
Operating Margin
Operating profit margin. >15% is goodGrowth
EPS Growth (5Y)
32.39%
EPS Growth (5Y)
5-year EPS growth. >15% is strongRevenue Growth (5Y)
29.34%
Revenue Growth (5Y)
5-year revenue growth. >10% is goodQtr Sales Growth
-%
Qtr Sales Growth
Quarter-over-quarter sales growthQtr Profit Growth
-%
Qtr Profit Growth
Quarter-over-quarter profit growthFinancial Health
Debt/Equity
1.27
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellentBook Value
₹214.13
Book Value
Net asset value per shareDividend Yield
-%
Dividend Yield
Annual dividend as % of price. >2% is goodPromoter Holding
18.60%
Promoter Holding
Promoter stake. >50% shows confidenceGood
Average
Needs Attention
SWOT Analysis
Strengths
4 points- •Five-Star boasts a remarkably high operating profit margin (OPM) of 73.10%, showcasing exceptional operational efficiency and strong profit generation capabilities relative to its sales.
- •The company demonstrates consistent net profit growth, rising from ₹118.00 in Q1 2022 to ₹286.00 in Q3 2025, indicating robust earnings potential and investor confidence in its financial performance.
Weaknesses
5 points- •Five-Star's debt-to-equity ratio of 0.70 suggests a considerable level of financial leverage, increasing financial risk and vulnerability to economic downturns, potentially impacting financial stability.
- •The company's high Price-to-Earnings (P/E) ratio of 114.00 indicates a potentially overvalued stock compared to its earnings, making it susceptible to price corrections if future earnings expectations are not met.
Opportunities
3 points- •As an NBFC in the 'Financial Services' sector, Five-Star is well-positioned to capitalize on India's growing credit demand and economic expansion, driving potential for increased loan disbursements and revenue.
- •With a market capitalization of ₹17,824 crore, Five-Star has significant room for growth compared to larger NBFC peers, offering potential for market share expansion and increased investor interest in the mid-cap segment.
Threats
4 points- •The Non-Banking Financial Company (NBFC) sector is highly competitive, with numerous established players. This intense competition could pressure Five-Star's margins and market share, impacting future growth prospects.
- •As an NBFC, Five-Star is susceptible to adverse changes in financial regulations and monetary policies. Stricter norms or interest rate fluctuations could significantly impact its lending operations and profitability.
Segment-wise Financial Analysis
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Fetching Balance Sheet...
Fetching Cash Flow...
Shareholding Pattern
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Company Insider Trading Activity
No insider trading data available
Corporate Action
Company Announcements
Technical Analysis & Indicators
Standard pivot points - most widely used
Pivot Points (CLASSIC)
| Level | Price | Distance | % Change |
|---|---|---|---|
| R4 | ₹415.88 | +₹62.68 | +17.75% |
| R3 | ₹391.13 | +₹37.93 | +10.74% |
| R2 | ₹379.57 | +₹26.37 | +7.47% |
| R1 | ₹366.38 | +₹13.18 | +3.73% |
| PIVOT | ₹354.82 | 1.62 | 0.46% |
| CURRENT | ₹353.20 | - | - |
| S1 | ₹292.13 | -₹61.07 | -17.29% |
| S2 | ₹316.88 | -₹36.32 | -10.28% |
| S3 | ₹330.07 | -₹23.13 | -6.55% |
| S4 | ₹341.63 | -₹11.57 | -3.27% |
CPR Levels
Support
Resistance
S4
N/A
S3
N/A
S2
N/A
S1
N/A
| CPR |
BC: N/AP: N/ATC: N/A
R1
N/A
R2
N/A
R3
N/A
R4
N/A
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment
is trading CPR, indicating
● CPR Width
CPR is
● Opening Range
Day's range: ~
● Price Position
Trading Inside opening range
Delivery Volume Analysis & Trading Activity
Latest Volume+55.6% vs avg
1.76M
(12 Mar 2026)Delivery %+4.7% vs avg
55.4%
(12 Mar 2026)Avg Volume (20D)20-day average
1.13M
(12 Feb - 12 Mar)Avg Delivery %Trend ↑
50.7%
(12 Feb - 12 Mar)Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.
Peer Comparison & Industry Benchmarking
Quick Compare
Largest by Market Cap
Bajaj Finance Ltd
6.31L ₹ Cr
Best Profit Growth
Capri Global Capital Ltd
131.00 %
Highest Dividend Yield
Mahindra & Mahindra Financial Services Ltd
2.18 %
Peer Comparison
| Company Name |
|---|
 Bajaj Finance Ltd |
 Capri Global Capital Ltd |
 Cholamandalam Financial Holdings Ltd |
 CreditAccess Grameen Ltd |
 Fedbank Financial Services Ltd |
 Manappuram Finance Ltd |
 MAS Financial Services Ltd |
 Mahindra & Mahindra Financial Services Ltd |
 Northern ARC Capital Ltd |
 Poonawalla Fincorp Ltd |
 SBFC Finance Ltd |
About
Five-Star Business Finance Ltd
Five-Star Business Finance Limited is a non-banking financial company (NBFC) based in Chennai, India, established in 1984. Its primary business revolves around providing financial services, specifically loans, to small businesses and individuals within the Indian market.
The company's core loan offerings center around supporting small and medium-sized enterprises (SMEs). These loans are designed to help businesses fund their operations, expansion, or other vital needs. The exact nature of these business loans is not specified in the provided information, but it's implied they cover a range of business purposes.
Beyond business loans, Five-Star Business Finance also extends its services into the mortgage sector. This segment includes loans for home renovations and extensions, indicating a focus on supporting individual home improvement projects. The availability of mortgages for other purposes is mentioned, but the specifics of these additional mortgage products are not detailed.
In summary, Five-Star Business Finance operates within a niche market segment, concentrating its efforts on providing financial solutions tailored to the needs of both small businesses and individuals undertaking home improvement projects. Their business model is built upon facilitating access to credit within these specific areas of the Indian economy. The long operational history, dating back to 1984, suggests a degree of established presence and experience within the Indian financial landscape.
COMPANY FACTS - FIVESTAR
Registered Address
New No. 27, Old No. 4, Taylor's Road, Kilpauk, Chennai
Chennai
TAMIL NADU
IN
Tel: 914446106200
Website:https://fivestargroup.in/
Investor Relations:http://www.fivestargroup.in/investors/
Company Details
Group: Financial Services
Sector: Financials
Industry: Consumer Finance
Exchange: NATIONAL STOCK EXCHANGE OF INDIA
Employees: 9,322
IPO Date: 21/11/2022
MANAGEMENT - FIVESTAR
Mr. Lakshmipathy Deenadayalan
Chairman of the Board, Managing Director
Mr. Rangarajan Krishnan
Chief Executive Officer, Joint Managing Director
Mr. Srikanth Gopalakrishnan
Chief Financial Officer, Joint Managing Director
Mr. Vishnuram Jagannathan
Chief Operating Officer
Mr. Vanamali Sridharan
Chief Technology Officer
Mr. Vignesh Kumar S M
Compliance Officer, Company Secretary
Mr. Ramesh Kannah
Chief Legal Officer
Mr. Parthasarathy Srinivasan
Chief Credit Officer
Mr. Sathya Thirumalaidoss
Chief Business Officer
Mr. Thirulokchand Vasan
Non-Executive Director
Ms. Bhama Krishnamurthy
Independent Director
Mr. Anand Raghavan
Independent Director
Investor Questions Answered
Five-Star Business Finance Ltd (FIVESTAR) Stock FAQs
Get answers to the most common questions about Five-Star Business Finance Ltd stock price, fundamentals, financial metrics, and investment analysis
The current share price of Five-Star Business Finance Ltd (FIVESTAR) is ₹353.2. Today, the stock has declined by ₹15.65 (4.24%), trading in a range of ₹343.25 to ₹368. The stock opened at ₹367 with a trading volume of 28,97,598 shares.
Five-Star Business Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹13,142.57 crores, P/E ratio of 11.76, ROE of 8.62%, and ROCE of 17.00%. The dividend yield stands at 0.00%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Five-Star Business Finance Ltd (FIVESTAR) is ₹850, while the 52-week low is ₹364.55. Currently trading at ₹353.2, the stock is -2.3% away from its 52-week low and 58.4% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Five-Star Business Finance Ltd stock at ₹353.2 depends on multiple factors. The stock is currently trading with a P/E ratio of 11.76 and P/B ratio of N/A. Today's performance shows a loss of 4.24%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Five-Star Business Finance Ltd offers a dividend yield of 0.00%, which means for every ₹100 invested at the current price of ₹353.2, you can expect to receive approximately ₹0.00 annually as dividends. The face value of the stock is ₹1.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Five-Star Business Finance Ltd's key financial metrics include: P/E Ratio: 11.76, P/B Ratio: N/A, ROE: 8.62%, ROCE: 17.00%, Dividend Yield: 0.00%, EPS: ₹37.60, Book Value: ₹214.13, Debt-to-Equity: 1.27, and Current Ratio: N/A. The company's market cap stands at ₹13,142.57 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Five-Star Business Finance Ltd stock opened at ₹367 and is currently trading at ₹353.2, showing a decline of ₹15.65 (4.24%). The intraday high is ₹368 and low is ₹343.25. The trading volume stands at 28,97,598 shares, indicating strong market participation today.
Five-Star Business Finance Ltd has a Price-to-Earnings (P/E) ratio of 11.76, which means investors are willing to pay ₹11.76 for every ₹1 of earnings. With an EPS of ₹37.60, this P/E ratio suggests the stock may be undervalued or facing growth challenges. Compare this with industry peers and historical P/E ratios for better context.
Five-Star Business Finance Ltd has a market capitalization of ₹13,142.57 crores, making it a small-cap company. Market cap is calculated by multiplying the current stock price (₹353.2) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Five-Star Business Finance Ltd has a book value of ₹214.13 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹353.2, which is 64.9% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Five-Star Business Finance Ltd has a Return on Equity (ROE) of 8.62% and Return on Capital Employed (ROCE) of 17.00%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Five-Star Business Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Five-Star Business Finance Ltd has a debt-to-equity ratio of 1.27, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 1 suggests the company uses more debt than equity for financing. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Five-Star Business Finance Ltd has an Earnings Per Share (EPS) of ₹37.60, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹353.2 and P/E ratio of 11.76, investors are paying 11.76 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
Five-Star Business Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Five-Star Business Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Five-Star Business Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (11.76), ROE (8.62%), debt-to-equity (1.27), and growth rates. 2) Technical Analysis - Check 52-week range (₹364.55 - ₹850.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹353.20) with book value (₹214.13) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Five-Star Business Finance Ltd share is ₹1.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹353.2 is 35220x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Five-Star Business Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹364.55 - ₹850.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 1.27 indicates leverage. 4) Liquidity Risk - Based on trading volume of 28,97,598 shares. 5) Valuation Risk - P/E of 11.76 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Five-Star Business Finance Ltd operates in the industry with key metrics: P/E ratio of 11.76, ROE of 8.62%, market cap of ₹13,142.57 crores, and dividend yield of 0.00%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 1.27), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Five-Star Business Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹353.2, with a 52-week range of ₹364.55 to ₹850.00. Based on fundamentals like P/E (11.76), ROE (8.62%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Five-Star Business Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹353.20. 2) Fundamental Deterioration - Declining ROE (currently 8.62%), increasing debt (D/E: 1.27), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Five-Star Business Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.00%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.
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