Five-Star Business Finance Limited

NSE

FIVESTAR

Stock

Yield per half year: -20.55%
Dividend yield: 0.3554%
Sector: Financials

Reporting Five-Star Business Finance Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
Capitalization, bln ₹							163.9	190.99		158.67	158.67	171.19	-1.08
Revenue, bln ₹		0.6319	2.01	341.36	611.4	830.15	6.48	15.13	16.6	20.91	20.91	177.85	-52.11
Net profit, bln ₹		0.1962	0.7462	130.77	214.36	293.78	2.46	6.03	8.36	10.72	10.72	64.27	-48.43
EV, bln ₹				613.75	1 697.15	1 765.97	10.54	187.87	258.53	270.39	270.39	498.66	-31.29
EBIT, bln ₹	0.2077	0.3115	-0.6788	253.31	319.42	408.66	3.16	3.91	11.48		11.48	149.33	-48.58
EBITDA, bln ₹	0.000227	0.0015	-0.000719	256.81	327.66	417.97	5.01	8.38	11.72		11.72	154.15	-48.63
OIBDA, bln ₹						9.43	10.7	10.54	15.66		15.66	11.58	13.52
Book value, bln ₹		2.25	11.51	1 139.55	1 591.31	1 897.04	20.1	43.4	51.96	63.05	63.05	415.11	-49.38
FCF, bln ₹		-2.76	0.4886	137.04	-1 254.5	-131.35	-1.55	-11.35	-21.45	-11.28	-11.28	-35.3960	-38.80
Operating Cash Flow, bln ₹		-2.71	0.5334	141.92	-1 246.55	-128.7	-1.5	-11.23	-21.22	-10.45	-10.45	-34.6200	-39.48
Operating profit, bln ₹		0.31	0.0259	253.31	319.42	408.66	3.24	8.2	12.3	15.7	15.7	89.62	-47.89
Operating expenses, bln ₹		0.3204	0.5971	84.55	46.53	60.44	0.6595	0.9137	4.3	5.21	5.21	14.30	-38.75
CAPEX, bln ₹		0.0547	0.0448	4.88	7.95	2.65	0.0468	0.1213	0.2239	0.8272	0.8272	0.7738	-20.77

	2021Q2	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	Average for 5 quarters	CAGR 5
Capitalization, bln ₹						163.9				219.83						191.87	15.81
Revenue, bln ₹						314.85	360.84	394.59	442.06	5.53	6.08	6.69	6.86	7.19	5.52	6.47	-1.91
Net profit, bln ₹						123.57	140.99	154.52	173.42	2.17	2.36	2.52	2.68	2.74	2.79	2.62	3.40
EV, bln ₹				1 727.3	-476.91		15 695.46	19 151.96	21 188.91		258.75	286.24	287.17		270.6	4458.33	-58.19
EBIT, bln ₹					121.17	167.81	190.67	210.78	229.11	2.8	3.32	3.55	3.6	3.77		3.41	6.13
EBITDA, bln ₹					124.29	171.79	194.69	214.86	234.06	2.86	3.39	3.61	3.67	3.85		3.48	6.13
OIBDA, bln ₹											4.35	4.64	4.59	4.88		4.61	2.92
Book value, bln ₹						3 345.38	3 622.82	3 807.23	4 119.52	47.36	51.96	51.96	57.23	57.23	63.05	56.29	3.94
FCF, bln ₹	4.36	0.3953	0.0646	-144.98	-150.31	8.11	23.08	0.0526	9.9	0.1328						8.26	-56.06
Operating Cash Flow, bln ₹	4.82	0.4077	0.0646	-142.86	-147.37	8.11	23.08	0.0526	9.9	0.1328						8.26	-56.06
Operating profit, bln ₹						167.81	190.67	210.78	229.11	2.8	3.32	3.55	3.6	3.77	4.07	3.66	4.16
Operating expenses, bln ₹						18.17	28.68	23.24	28.83	0.3142	0.3452	0.3366	3.98	0.4209	1.44	1.30	33.06
CAPEX, bln ₹	0.4542	0.0123		2.12	2.95											1.38	59.64

	Average for 5 quarters	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
Cash, bln ₹		1.85	1.31	183.38	237.14	1 036.98	3.32	13.4	15.34	21.55	21.55	218.12	-53.92
Short-Term Investments ₹					115.15	1.58	1.65	2.41	1.37	6.58	6.58	2.72	33.02
Accounts Receivable ₹			0.006	0.3047	1.34	557.2	4.86	0.264	0.4952		0.4952	112.83	-18.05
Total Current Assets ₹		1.85	1.31	183.36	701.24	1 616.16	9.83	84.03	33.35	138.42	138.42	376.36	-38.83
Net assets, bln ₹					690.73	1 591.93	1 483.99	6 876.5			1 486.04	2660.79	77.63
Assets, bln ₹		6.94	1.71	1 961.54	3 562.33	4 741.11	34.37	87.03	116.89	144.21	144.21	1024.72	-50.27
Short-Term Debt ₹			3.75	194.21	525.19	868.84	6.55	14.47	15.6		15.6	286.13	-50.50
Long-Term Debt ₹						23.79	13.51	28	47.56	79.22	79.22	38.42	27.20
Liabilities, bln ₹		4.69	0.1917	821.99	1 971.02	2 844.07	14.27	43.63	64.93	81.16	81.16	609.61	-50.90
Net debt, bln ₹		1.5	-1.25	613.75	1 697.15	1 765.97	10.54	29.07	47.81	57.67	57.67	382.21	-49.56
Debt, bln ₹				797.12	1 934.29	2 802.95	13.87	42.47	63.16	79.22	79.22	600.33	-50.99
Interest Expense, bln ₹				64.56	1.96	1.47	0.0119	2.68	0.3162		0.3162	1.29	-30.57
Goodwill ₹			0.065	0.1464	0.2823	0.3699	0.4667	0.5333				0.3597	29.50
Amortization, bln ₹	-0.2075	-0.31	0.6781	3.5	8.4	9.49	1.85	4.47	0.2457		0.2457	4.89	-50.66
Cost of production, bln ₹			0.0259	0.0419	3.27	4.57	2.58	6.13	4.18	11.89	11.89	5.87	21.07
Inventory ₹			-11.52	-23.5	338.78	0.8673	0.0727		113.07		113.07	85.86	-236.92

	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	Average for 5 quarters	CAGR 5
Cash, bln ₹				501.77	335.16	476.91		1 118.99	814.52	883.2		15.34	16.76	12.12		21.55	189.79	-52.41
Short-Term Investments ₹			3.05	253.37	244			200.78		116.6		1.37		1.19		6.58	65.30	-49.52
Accounts Receivable ₹								22.04				0.4952					11.27	-85.01
Total Current Assets ₹		8.5	7.6	1 506.58	1 582.05	476.91		7 015.22		8 073.07		113.57		123.32		138.42	3092.72	-54.39
Net assets, bln ₹				1 483.99	1 558.33			6 876.5									3306.27	66.72
Assets, bln ₹				5 190.74	5 295.88	5 509.84		7 265.48	7 545.06	8 419.21		116.89	51.96	128.2		144.21	1772.09	-55.67
Short-Term Debt ₹			12.08	1 003.7	1 240.7			1 207.85				15.6					695.99	5.25
Long-Term Debt ₹												47.56		68.8		79.22	65.19	18.54
Liabilities, bln ₹					2 139.59	2 097.55		3 642.66	3 737.84	4 299.69		64.93	-51.96	70.97	-57.23	81.16	21.57	4.56
Net debt, bln ₹				1 592.2	1 727.3	-476.91		2 426.82	2 816.25	3 308.5		47.81	50.48	56.68		57.67	704.23	-55.51
Debt, bln ₹				2 093.98	2 062.46			3 545.8	3 630.77	4 191.69		63.16	67.24	68.8		79.22	894.02	-54.78
Interest Expense, bln ₹	0.3854			0.0053	0.4337	8.95	2.9	3.46									3.15	265.56
Amortization, bln ₹						3.18	4.05	4.02	4.08	4.95	0.0664	0.074	0.0637	0.0667	0.0834		0.0708	4.66
Cost of production, bln ₹							1.6	1.73	163.91	184.11	2.39	2.52	1.65	2.88	3.01	1.84	2.38	-6.10
Inventory ₹												113.07					113.07	0.00

Share

IFRS

Reporting Annual Quarterly

	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Average for 5 years	CAGR 5
EPS		448.86	735.72	1008.27	8.63	20.49	28.39	36.5	36.5	220.46	-48.51
Share price					614.7	734.9	773.8	540	540	665.85	-3.19
Number of shares, mln	251.9	24319.88	24206.71	24206.71	154.39	294.49	294.39	293.83	293.83	5048.76	-58.62
FCF/share	1.94	5.63	-52.61	-5.51	-10.03	-38.54	-72.85	-38.38	-38.38	-33.0620	47.43

	2018Q4	2019Q4	2020Q4	2021Q4	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Average for 5 quarters	CAGR 5
EPS							421.44	478.36	524.84	588.84	7.37	8.01	8.53	9.07	9.35	9.49			8.89	3.45
Share price							559	569.62	561.51	716.68	747.45					701.3	768.3	540.5	694.85	-5.49
Number of shares, mln	251.9	267.91	264.36	291.37			293.21				294.11								282.19	1.88
FCF/share	0.0532	0.0314			-6.08	-6.17	0.3313	0.9379	0.3295	0.3863	0.4514								0.4873	6.38

Efficiency

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
ROE, %	8.72	6.48	21.01	13.47	16.84	15.05	13.91	16.09	17.01	17.01	14.62	15.78	0.20
ROA, %	2.83	43.6	8.95	6.02	7.08	7.47	6.93	7.15	7.44	7.44	4.26	7.21	1.00
ROS, %	31.05	37.19	53.42	35.06	35.39	37.96	39.9	50.37	51.29	51.29	49.41	42.98	7.70
ROCE, %	13.84	-44.67	13.01	10.57	10.59	11.48	9	22.08	18.2	18.2	27.25	14.27	11.44
EBIT margin				24.07	56.68	48.77	25.83	69.14	54.88	54.88	42.19	51.06	-0.64
EBITDA margin	0.2328	-0.0358	75.23	53.59	50.35	77.31	55.38	70.62	56.06	56.06	44.21	61.94	2.17
Net margin	31.05	37.19	38.31	35.06	35.39	37.96	39.9	50.37	51.29	51.29	49.41	42.98	7.70
Operational efficiency, %	49.07	1.29	1.03	52.24	47.65	50	54.24	74.08	75.08	75.08	56.23	60.21	9.52
FCF yield, %						-1.74	-5.94		-7.11	-7.11	-16.66	-4.9300	59.87

	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
ROE, %				4.25	4.25	4.06	4.62	4.82	4.54	4.84	4.68	4.78	4.43			14.62	4.65	-0.49
ROA, %	1.86	2.18	1.8		3.88	2.05	2.14		2.02	4.84	2.09		1.94			4.26	2.61	-1.94
ROS, %						39.16	39.23	39.16	38.85	37.58	39.06	38.08	50.6	50.37	51.29	49.41	45.88	5.60
ROCE, %		3.68	2.73		3.39	5.54	2.9		6.39	3.41	6.29			22.08	18.2	27.25	11.27	23.29
EBIT margin							51.83	50.55	54.62	52.99	52.5	52.36		69.14	54.88	42.19	56.37	0.70
EBITDA margin					53.95	54.45	52.95	51.75	55.84	53.94	53.47	53.52		70.62	56.06	44.21	57.52	0.77
Net margin				39.25	39.07	39.16	39.23	39.16	38.85	37.58	39.06	38.08	50.6			49.41	40.83	5.43
Operational efficiency, %						53.42	51.83	50.55	54.62	52.99	52.5	52.36	73.85	74.08	75.08	56.23	65.57	7.42
FCF yield, %				0.0593				0.0604								-16.66	0.0599	0.92

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	Average for 5 years	CAGR 5
P/E						36.14	26.31	25.21	14.79	14.79	26.91	25.61	-20.02
P/BV						4.42	3.66	4.06	2.52	2.52	4.11	3.67	-13.11
P/S						13.7	10.5	12.7	7.59	7.59	11.44	11.12	-13.73
P/FCF						-57.35	-0.2083	-16.92	-14.07	-14.07	3.29	-22.1371	-29.62
E/P						0.0277	0.0316	0.023	0.0676	0.0676	0.07	0.0375	24.99
EV/EBIT				11.53	3.75	3.34	48.08	22.53	23.56	23.56	-2.73	20.25	44.42
EV/EBITDA			2.39	5.18	4.23	2.1	22.43	22.06		22.06	36.19	11.20	33.61
EV/S				2.78	2.13	1.63	12.42	15.58	12.93	12.93	13.37	8.94	43.43
EV/FCF				-1.35	-13.44	-6.8	-16.55	-12.05	-23.98	-23.98	1.55	-14.5640	12.28
Debt/EBITDA			3.1	5.9	6.71	2.77	5.07	5.39	6.76	6.76	9.59	5.34	0.15
Netdebt/Ebitda	1017.85	1744.41	-3135.34	5.18	4.23	2.1	3.47	4.08	4.92	4.92	-210.24	3.76	3.07
Debt/Ratio				0.543	0.5912	0.4035	0.488	0.5403	0.5494	0.5494	0.27	0.5145	-1.46
Debt/Equity				1.22	1.48	0.69	0.9787	1.22	1.29	1.29	3.59	1.13	-2.71
Debt/Net Income				9.02	9.54	5.64	7.04	7.56	7.39	7.39	11.86	7.43	-4.98
PEG									2.19	2.19	13.83	2.19	0.00
Beta							-0.6613	-0.5809	4.23	4.23	0.86	0.9959	-285.63
Altman Index							0.6742	38.59	17.22	17.22	1.77	18.83	194.50

	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	2024Q4	2025Q1	2025Q2	2025Q3	Industry average	Average for 5 quarters	CAGR 5
P/E			44.05	26.16	29.89	29.22	26.41	25.21	26.06	23.66	22.91	19.87			26.91	23.54	-4.65
P/BV			4.09	3.66	4.29	4.34	4.64	4.06	2.27	4.03		3.38			4.11	3.68	-6.14
P/S			18.03	10.51	11.77	11.45	10.34	9.85	10.07	9.14	8.79	8.11			11.44	9.19	-3.81
P/FCF			1687.08				1655.93						-9.17	-14.07	3.29	829.94	-130.22
E/P			0.0092				0.0099						0.0425	0.0676	0.07	0.0323	64.64
EV/EBIT						92.48		77.96	80.69	79.75			22.53	23.56	-2.73	56.90	-21.28
EV/EBITDA	6.48	-0.8492		22.37	89.14	25.17		76.26	79.27	78.3					36.19	69.63	-2.56
EV/S					48.54	47.93		42.58	42.76	41.86		49.06	15.58	12.93	13.37	32.44	-21.28
EV/FCF					2347.05	2140.29							-12.05	-23.98	1.55	1112.83	-131.79
Debt/EBITDA	13.45			18.21	16.9	17.91		18.61	18.62	18.76			5.39	6.76	9.59	13.63	-18.33
Netdebt/Ebitda	11.26	9.3		12.47	13.11	14.14		14.09	13.98	15.45			4.08	4.92	-210.24	10.50	-18.98
Debt/Ratio					0.4812	0.4979		0.5403	1.29	0.5366		0.5494	0.5403	0.5494	0.27	0.6931	-15.69
Debt/Equity					0.9537	1.02		1.22	1.29	1.2		1.26	1.25	1.29	3.59	1.26	0.00
Debt/Net Income					23.5	24.17		26.76	26.73	25.68		28.38	7.56	7.39	11.86	19.15	-22.67
PEG													-0.8881	2.19	13.83	0.6509	-257.03
Beta												-1.7	1.17	4.23	0.86	1.23	-235.51
Altman Index												21.02	21.14	17.22	1.77	19.79	-6.43

Dividends

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2025	LTM	Industry average	Average for 5 years	CAGR 5
Dividend payout, bln	0.0119	0.0147	0.0152	0.0199				0.0154	13.72
Dividend					2	2		2.00	0.00
Dividend yield, %					0.3554	0.3554	0.95	0.3554	0.00
Dividends / profit, %	19.64	20.27	15.31	14.5		0	19.57	17.43	-7.30

	2022Q3	Industry average	Average for 5 quarters	CAGR 5
Dividend payout, bln	345.26		345.26	0.00
Dividends / profit, %	352.31	19.57	352.31	0.00

	Industry average	Average for 5 quarters	CAGR 5

Pay for your subscription

More functionality and data for company and portfolio analysis is available by subscription

Subscribe

Other

IFRS

Reporting Annual

	2021	2022	2023	2024	2025	LTM	CAGR 5
CAPEX/Revenue, %	0.3198	0.7214	0.8022	1.35	3.96	3.96	65.41
Staff, people			7 302	7 302			0.00

	CAGR 5

	CAGR 5