Five-Star Business Finance Limited (IN:FIVESTAR)
:FIVESTAR
FIVESTAR Stock Chart & Stats
₹532.30
-₹2.00(-0.28%)
At close: 4:00 PM EST
₹532.30
-₹2.00(-0.28%)
Day’s Range― - ―
52-Week Range₹338.05 - ₹850.45
Previous CloseN/A
Volume83.79K
Average Volume (3M)56.59K
Market Cap
₹124.60B
Enterprise Value₹186.20B
Total Cash (Recent Filing)₹22.25B
Total Debt (Recent Filing)₹83.76B
Price to Earnings (P/E)14.5
Beta0.64
Next Earnings
May 06, 2026EPS Estimate
9.9Next Dividend Ex-DateN/A
Dividend Yield0.36%
Share Statistics
EPS (TTM)9.40
Shares Outstanding294,566,160
10 Day Avg. Volume28,179
30 Day Avg. Volume56,591
Financial Highlights & Ratios
PEG Ratio0.69
Price to Book (P/B)3.25
Price to Sales (P/S)7.57
P/FCF Ratio-18.17
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)42.87
Revenue Forecast (FY)₹29.16B
Bulls Say, Bears Say
Bulls Say
Secured Lending FocusFive-Star’s core model is secured lending to self-employed and micro-entrepreneurs, which creates structurally lower recovery risk versus unsecured books. Collateral-backed loans support loss mitigation and make credit outcomes more predictable across business cycles, aiding long-term portfolio resilience.
Consistent Revenue Growth & Strong Gross MarginSustained top-line growth (RevenueGrowth ~16.7%) combined with robust gross margins indicates durable demand and pricing power in core segments. That mix supports operating leverage over time and provides a buffer to absorb episodic credit or funding shocks while funding incremental business expansion.
Access To FinancingThe company’s demonstrated ability to attract external capital (positive financing cash flow) underpins growth and liquidity even with negative operating cash flow. Reliable access to funding supports origination scale, refinancing flexibility, and execution of medium-term strategic initiatives.
Bears Say
High LeverageElevated debt-to-equity increases interest expense and constrains financial flexibility. In adverse macro or credit cycles, high leverage magnifies earnings volatility and raises refinancing and covenant risks, limiting the company’s ability to absorb shocks without dilutive or costly capital interventions.
Persistently Negative Operating Cash FlowOngoing negative operating cash flow implies the business does not self-generate sufficient cash to fund operations or growth. That reliance on external financing increases liquidity risk, elevates cost of capital over time, and can pressure margins if funding terms deteriorate or markets tighten.
Slight Decline In EBITA falling EBIT indicates either margin compression or rising operating expenses versus revenue growth. If persistent, this weakens sustainable profitability, reduces free cash flow potential, and can erode return on equity, constraining capital allocation to growth or deleveraging over the medium term.
Five-Star Business Finance Limited News
FIVESTAR FAQ
What was Five-Star Business Finance Limited’s price range in the past 12 months?
Five-Star Business Finance Limited lowest stock price was ₹338.05 and its highest was ₹850.45 in the past 12 months.
What is Five-Star Business Finance Limited’s market cap?
Five-Star Business Finance Limited’s market cap is ₹124.60B.
When is Five-Star Business Finance Limited’s upcoming earnings report date?
Five-Star Business Finance Limited’s upcoming earnings report date is May 06, 2026 which is in 25 days.
How were Five-Star Business Finance Limited’s earnings last quarter?
Five-Star Business Finance Limited released its earnings results on Jan 28, 2026. The company reported ₹9.4 earnings per share for the quarter, missing the consensus estimate of ₹9.6 by -₹0.2.
Is Five-Star Business Finance Limited overvalued?
According to Wall Street analysts Five-Star Business Finance Limited’s price is currently Overvalued.
Does Five-Star Business Finance Limited pay dividends?
Five-Star Business Finance Limited pays a Notavailable dividend of ₹2 which represents an annual dividend yield of 0.36%. See more information on Five-Star Business Finance Limited dividends here
What is Five-Star Business Finance Limited’s EPS estimate?
Five-Star Business Finance Limited’s EPS estimate is 9.9.
How many shares outstanding does Five-Star Business Finance Limited have?
Five-Star Business Finance Limited has 294,566,160 shares outstanding.
What happened to Five-Star Business Finance Limited’s price movement after its last earnings report?
Five-Star Business Finance Limited reported an EPS of ₹9.4 in its last earnings report, missing expectations of ₹9.6. Following the earnings report the stock price went down -2.157%.
Which hedge fund is a major shareholder of Five-Star Business Finance Limited?
Currently, no hedge funds are holding shares in IN:FIVESTAR
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Five-Star Business Finance Limited
Five-Star Business Finance Limited provides loans for business, home renovation/extension, and other mortgage purposes in India. The company was formerly known as Five Star Business Credits Limited and changed its name to Five-Star Business Finance Limited in July 2016. Five-Star Business Finance Limited was incorporated in 1984 and is based in Chennai, India.
Technical Analysis
Aadhar Housing Finance Ltd
―
CreditAccess Grameen Ltd.
―
IIFL Finance Limited
―
Manappuram Finance Limited
―
Punjab & Sind Bank Ltd.
―