āagman

Five-Star Business Finance Ltd

NSE: FIVESTAR
₹476.35
−₹25.20 (−5.02%)
NSE · 21 Oct 2026, close
NSE
As of 31 Mar 2026
Market Cap
₹14,941 Cr
CMP
₹476.35
52-wk High / Low
₹666 / 338
P/E
13.5
P/B
2.0
Book Value
₹250.0
Div Yield
0.40%
ROCE
14.8%
ROE
16.0%
Face Value
₹1
D/E
1.11

Price−9.9% over 1Y

āagman read

Computed by āagman
Derived from 12 years and 13 quarters of filings. Not reported by the company.
As of 21 Oct 2026
How we compute these
Piotroski F-Score
2
/ 9
2 of 9 F-score tests passed
Graham Number
₹459
√(22.5 × EPS × book value per share)
Cash flow to profit
−0.24
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
15.1%
ROE × earnings retention ratio
ROE stability
1.7
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −0.43DII +1.19
Latest quarter vs the previous one
Cash-accrual divergence
9.0%
of assets
Low = accruals track cash flow
Strengths
+PE of 13.5x is below the sector median of 19.8x
Watch-outs
−Borrowings are up 6256.6% since FY2016 (129 to 8200)
−Price trades below its 200-day moving average (1.0x)
−Piotroski F-Score of 2/9 is in the weak band (≤3)

Peer comparison

Peers
NameP/EMar Cap ₹ CrROCE %ROE %

Quarterly results

Standalone basis (as filed) · ₹ Cr · 13 quarters
As of 30 Jun 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Sales480519567616666702727752787799815817829
Expenses137144145161169178186204241236255277296
Operating Profit—————————————
OPM %—————————————
Other Income34333447577910
Interest96106129138158163171175187180189181172
Depreciation567767898910109
Profit before tax246267290313336358365371355382369357362
Net Profit184199217236252268274279266286277269271
EPS (₹)6.306.847.428.078.609.169.339.489.049.729.419.129.19

Profit & Loss

As of 30 Jun 2026
Standalone · ₹ Cr · 12 years + TTM
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Sales3448861964027871,0501,2541,5212,1832,8483,2183,260
Expenses81230641072102373374395827331,0041,064
Operating Profit—————————————
OPM %—————————————
Other Income00011112812182833
Interest1014245573218327302268472672742721
Depreciation011341011121725303738
Profit before tax152131762183494766048051,1161,4311,4631,470
Net Profit101419541562623594546048361,0721,0991,104
EPS (₹)9.7312.821.362.836.5410.3814.2215.5720.7128.5836.4337.2237.44

Balance Sheet

As of 30 Jun 2026
Standalone · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Jun 2026
Equity Capital101114192426262929292930—
Reserves61812105731,3411,9192,2933,6814,3105,1676,2757,351—
Other Liabilities65141431455074116177194209—
Total Liabilities1652256901,1342,3174,3535,7946,3438,70311,68914,42115,790—
Fixed Assets12501028253345648688—
CWIP00200000006272—
Investments0415151500248145108212227—
Other Assets1642196691,1192,2934,3255,7696,0628,51311,51714,06015,402—
Total Assets1652256901,1342,3174,3535,7946,3438,70311,68914,42115,790—
Borrowing881294525289222,3643,4252,5594,2476,3167,9228,200—

Cash Flows

As of 31 Mar 2026
Standalone · ₹ Cr
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity−20−51—−457−940−1,523−157−277−1,123−2,122−1,045−264
Cash from Investing Activity0−5—1014−132102−384162210−586228
Cash from Financing Activity3846—3931,0101,7251,03371,6882,1061,593157
Net Cash Flow17−10—−538470977−654727194−38121

Ratios

As of 31 Mar 2026
12 periods
Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROCE %———————————14.8
ROE %14.017.09.013.016.016.017.015.015.018.019.016.0
EPS (₹)9.7312.821.362.836.5410.3814.2215.5720.7128.5836.4337.44
Book Value (₹)———————————250.0
Face Value (₹)———————————1
P/E———————————13.5
Div Yield %———————————0.40
NPM %29.429.222.127.438.733.234.236.139.538.137.433.9
OPM %————————————
D/E1.241.402.020.890.681.221.480.690.981.221.261.11
P/B———————————2.0

Growth

As of 18 Oct 2026
Compounded sales growth
5 years+25.0%
3 years+28.0%
TTM+10.0%
Compounded profit growth
5 years+25.0%
3 years+22.0%
TTM+2.0%
Stock price CAGR
3 years−13.0%
Last year−4.0%
Return on equity
10 years17.0%
5 years17.0%
3 years17.0%
Last year16.0%

Shareholding pattern

As of 30 Sep 2026
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters34.87%34.87%26.54%26.51%26.51%21.59%21.55%21.47%21.47%18.57%18.56%18.61%18.61%18.61%
FIIs6.98%6.98%54.28%56.06%57.45%56.70%57.76%58.75%58.13%55.80%52.95%48.48%43.97%43.54%
DIIs5.05%5.05%7.82%6.97%6.07%8.99%10.10%9.09%9.48%12.16%14.74%17.58%22.35%23.54%
Government——————————————
Public53.10%53.10%11.36%10.44%9.96%12.71%10.60%10.69%10.93%13.46%13.77%15.34%15.07%14.33%
No. of shareholders26,48126,48151,90650,44248,89758,90271,22976,89969,03994,10891,56197,1281,02,27098,866
Change since Jun 2023 (pp)
Promoters −16.26FIIs +36.56DIIs +18.49Public −38.77

Documents

As of 18 Oct 2026
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAnnouncement under Regulation 30 (LODR)-Allotment of ESOP / ESPSBoard Meeting Intimation for Intimation About Board Meeting Pursuant To Regulation 29 And 50 Of SEBI (LODR) Regulations, 2015Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Intimation
Annual reports
Annual Report 2026Annual Report 2025Annual Report 2024Annual Report 2023
Credit ratings
Rating updateRating updateRating updateRating updateRating update
Concalls
Jul 2026TranscriptJul 2026PPTJul 2026RecordingMay 2026TranscriptMay 2026PPTMay 2026RecordingFeb 2026TranscriptFeb 2026PPTFeb 2026RecordingNov 2025TranscriptNov 2025PPTNov 2025RecordingAug 2025TranscriptAug 2025PPTAug 2025Recording

Corporate actions

As of 31 Jul 2026
31 Jul 2026DIVIDENDDividend - Rs 2 Per Share—
14 Aug 2025DIVIDENDDividend - Rs 2 Per Share—
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges.© 2026 āagman