Five-Star Business Finance Limited (IN:FIVESTAR)
:FIVESTAR
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Five-Star Business Finance Limited
(FIVESTAR)
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Rating:67Neutral
Price Target:
₹541.00
▲(1.63% Upside)
Action:Reiterated
Date:04/30/26
The score is primarily driven by strong profitability and earnings growth, offset by historically weak and volatile cash flows and rising leverage. Technical momentum is supportive but close to overbought, while valuation is reasonable on P/E but offers limited dividend support.
Positive Factors
High profitability
Sustained high net margins (~40%) and rising net income provide a durable earnings buffer for a lending business. This profitability supports internal capital generation, funds provisioning, enables reinvestment in origination capacity, and helps absorb credit volatility over multiple cycles.
Negative Factors
Rising leverage
Leverage increasing from below 1x to ~1.2–1.3x reduces balance-sheet flexibility and raises sensitivity to funding cost shocks. For an NBFC, higher debt levels amplify refinancing and liquidity risk, limiting capacity to grow organically or withstand downturns without raising costly capital.
Read all positive and negative factors
Positive Factors
Negative Factors
High profitability
Sustained high net margins (~40%) and rising net income provide a durable earnings buffer for a lending business. This profitability supports internal capital generation, funds provisioning, enables reinvestment in origination capacity, and helps absorb credit volatility over multiple cycles.
Read all positive factors
Five-Star Business Finance Limited (FIVESTAR) vs. iShares MSCI India ETF (INDA)
Market Cap
₹131.38B
Dividend Yield0.36%
Average Volume (3M)56.59K
Price to Earnings (P/E)9.7
Beta (1Y)0.80
Revenue Growth13.26%
EPS Growth1.90%
CountryIN
Employees9,322
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)37.61
Shares Outstanding294,876,160
10 Day Avg. Volume28,179
30 Day Avg. Volume56,591
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 TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)41.37
Revenue Forecast (FY)₹28.97B
Five-Star Business Finance Limited Business Overview & Revenue Model
Company Description
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 Financ...
How the Company Makes Money
FIVESTAR primarily makes money by originating and servicing secured loans and earning a spread between (a) the interest income and fees it charges borrowers and (b) the cost of funds it pays to raise borrowing capital. Key revenue streams include:...
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 | 29.53B | 32.46B | 27.06B | 20.78B | 14.70B | 12.33B |
| Gross Profit | 19.45B | 24.35B | 16.61B | 12.70B | 10.07B | 6.96B |
| EBITDA | 16.66B | 15.00B | 15.36B | 11.72B | 9.09B | 6.39B |
| Net Income | 11.05B | 10.99B | 10.72B | 8.36B | 6.03B | 4.54B |
Balance Sheet | ||||||
| Total Assets | 154.35B | 157.90B | 144.21B | 116.89B | 87.03B | 63.43B |
| Cash, Cash Equivalents and Short-Term Investments | 22.25B | 21.49B | 21.55B | 16.72B | 15.81B | 9.18B |
| Total Debt | 83.76B | 82.00B | 79.22B | 63.52B | 42.77B | 25.80B |
| Total Liabilities | 86.28B | 84.10B | 81.16B | 64.93B | 43.63B | 26.33B |
| Stockholders Equity | 68.07B | 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
Negative
532.30
Price Trends
428.23
Positive
453.34
Negative
512.17
Negative
Market Momentum
0.55
Positive
44.06
Neutral
12.77
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:FIVESTAR, the sentiment is Negative. The current price of 532.3 is above the 20-day moving average (MA) of 471.97, above the 50-day MA of 428.23, and above the 200-day MA of 512.17, indicating a neutral trend. The MACD of 0.55 indicates Positive momentum. The RSI at 44.06 is Neutral, neither overbought nor oversold. The STOCH value of 12.77 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:FIVESTAR.
Five-Star Business Finance Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | ₹131.38B | 9.65 | ― | 0.36% | 13.26% | 1.90% | |
66 Neutral | ₹204.20B | 23.81 | ― | 0.77% | 5.00% | 45.78% | |
64 Neutral | ₹207.11B | 15.71 | ― | ― | 18.59% | 19.15% | |
58 Neutral | ₹197.10B | 7.80 | ― | ― | 34.64% | 316.68% | |
56 Neutral | ₹167.81B | 11.11 | ― | 0.26% | 5.44% | 24.12% | |
54 Neutral | ₹274.33B | 21.42 | ― | 0.80% | -5.36% | -17.52% |
* Financial Sector Average
IN:FIVESTAR
Five-Star Business Finance Limited
445.55
-259.11
-36.77%
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12.03%
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95.27
41.64%
IN:PSB
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-6.78
-22.28%
Five-Star Business Finance Limited Corporate Events
Five-Star Business Finance Publishes FY26 Investor Presentation on Audited Results
Apr 28, 2026
Five-Star Business Finance Limited has released an investor presentation detailing its audited financial results for the quarter and full year ended March 31, 2026. The presentation, filed with Indian stock exchanges and made available on the comp...
Five-Star Business Finance discloses notice on lost share certificate, affirms regulatory compliance
Apr 14, 2026
Five-Star Business Finance Limited notified the stock exchanges that it has published a newspaper notice regarding the loss of a share certificate and the corresponding credit of replacement shares, in line with disclosure obligations under Indian...
Five-Star Business Finance Announces Completion of Independent Director’s Tenure
Apr 11, 2026
Five-Star Business Finance Limited has announced that Independent Director Ms. Bhama Krishnamurthy has completed her second consecutive five-year term on the board. Her tenure ended with the close of business on April 11, 2026, in line with regula...
Five-Star Business Finance boosts equity base as top executives convert share warrants
Mar 24, 2026
Five-Star Business Finance has allotted 310,000 equity shares following the conversion of share warrants by two senior executives, including promoter and managing director Lakshmipathy Deenadayalan and joint managing director and CFO Srikanth Gopa...
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.