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Five-Star Business Finance (FIVESTAR) had a P/E of 11.2× on 6 Nov 2026, and the shares are 35% below their 52-week high. It earns ROE of 15%, and net profit grew 22% a year over 3 years. For banks and lenders, ROCE and debt-to-equity are not used; it trades at 1.59× book value and its dividend yield is 0.5%. It is a small-cap company with a market cap of ₹12,555 Cr, ranked 24th of 193 Credit Services companies by market cap; the shares fell 34% over the past year.

As of 6 Nov 2026Prices are delayed about 15 minutes; fundamentals are from the quarter ended Sep 2026.How we calculate this

past year
Open
₹427.70
Day high
₹428.80
Day low
₹416.15
Prev. close
₹429.85
Volume
5 L

Health check

2 good · 2 fair · 2 to check
  • ReturnsBehind

    −33.8% over a year, better than 1 of 7 peers.

  • Price tagCheaper

    P/B 1.59 vs peer median 2.62.

  • GrowthSteady

    Profit +22.1% a year over 3 years.

  • ProfitabilityAverage

    ROE 15.2% vs peer median 18.7%.

  • Balance sheetSolid

    Return on assets 7.07%. Bad-loan data isn’t covered.

  • Red flags1 to check

    35% below its 52-week high.

Compared with 7 industry peers. Computed from reported figures. Educational, not a recommendation.

Credit Services

192 listed peers. Screen the industry

Small cap

₹12,555 Cr, #24 of 193 in its industry by size.

Defensive

Beta 0.72 vs the NIFTY 50: moves less than the market.

Key metrics

Last 12 months to Sep 2026: sales ₹2,367 Cr · profit ₹1,117 Cr
Market cap
₹12,555 Cr
Small cap
P/E
11.2
Industry 15.5
Price to book
1.59
Peers 2.62
Dividend yield
0.47%
ROE
15.2%
Peers 18.7%
ROCE
n/m
Not meaningful for lenders
Debt to equity
n/m
Not meaningful for lenders
EPS (TTM)
₹37.83
Face value ₹1
OPM (TTM)
50.9%
Net margin 47.2%
Sales growth
n/m
Not meaningful for lenders
Profit growth
+4.5%
Latest quarter vs a year ago
Price to sales
5.30

Strengths and risks

Risks to check

  • 35% below its 52-week high.

No standout strengths in the headline numbers.

Derived automatically from reported figures. Not a recommendation.

About Five-Star Business Finance

Five-Star Business Finance Limited operates as a non-banking financial company in India. The company offers business and other loans to small business owners and self-employed individuals, as well as for other purposes such as business expansion, home renovation/improvement and other mortgage purposes, including marriage, education, emergency. It also provides mortgage loans. Five-Star Business Finance Limited was incorporated in 1984 and is headquartered…

Headquarters
Chennai
Sector
Financial Services
ISIN
INE128S01021
Website
fivestargroup.in

Price range

52 weeks

₹338.15₹652.50

Today

₹416.15₹428.80
Avg volume (3M)
6.8 L
1-year return
minus 33.8%
From 52-week high
minus 34.8%

Analyst consensus

10 analysts
Strong buyMean target ₹647.70 plus 52.3%

Target range, with today’s price

Low ₹570.00High ₹747.00

Today’s price ₹425.30 is below the lowest analyst target.

Consensus from Yahoo Finance. Not a recommendation.

Peers · Credit Services

Bank and NBFC columns

Compare with peersScreen the whole industry
Company
BAJFINANCEBajaj Finance1,087.75plus 1.66%6,77,00531.35.4919.0%3.8%18.2%0.50%plus 1.2%
SHRIRAMFINShriram Finance961.15minus 0.30%2,26,16716.02.0314.8%3.9%18.6%1.80%plus 21.0%
CHOLAFINCholamandalam Investment and Finance Company1,785.00plus 1.42%1,53,10324.54.4120.6%2.6%25.2%0.11%plus 0.8%
TATACAPTata Capital358.05plus 2.93%1,50,97925.43.1014.1%2.2%–0.16%plus 5.6%
MUTHOOTFINMuthoot Finance2,869.00plus 1.06%1,15,1819.42.6231.6%6.3%43.1%1.05%minus 11.0%
PFCPower Finance Corporation328.80minus 0.18%1,08,5074.10.7418.7%2.7%17.7%4.99%minus 16.9%
IRFCIndian Railway Finance Corporation80.43plus 0.37%1,05,11014.31.7312.6%1.4%4.4%2.74%minus 34.4%
FIVESTARFive-Star Business Finance425.30minus 1.06%12,55511.21.5915.2%7.1%22.1%0.47%minus 33.8%
Median of 7 peers–1.06%1,50,97916.02.6218.7%2.7%18.4%1.05%0.8%

Quarterly results

Consolidated, ₹ crore
SalesSelect a row below to chart it
₹ CrJun 25Dec 25Mar 26Jun 26Sep 26
774807810821852
380387398406426
394421411415426
50.9%52.1%50.8%50.6%50.0%
4.57.29.19.816.5
8.29.610.19.29.8
−35.4−49.4−53−54−57.7
355369357362375
25.0%24.9%24.6%25.0%20.1%
266277269271299
9.029.389.149.1810.13

Sep 25 not reported by the data source.

Profit & loss

Yearly, ₹ crore
Profit CAGR 3Y
+22.1%
EPS CAGR 3Y
+22.0%
ROE
15.2%
Net profitSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
1,4702,0782,7063,046
–+41.4%+30.2%+12.6%
5989511,2171,416
8711,1271,4891,630
59.3%54.2%55.0%53.5%
34.246.375.4105
87.131.674.978
17.324.630.437
3.6−1.5−28.4−157
8051,1161,4311,463
25.0%25.1%25.0%24.9%
6038361,0721,099
–+38.5%+28.3%+2.4%
20.4928.3936.5037.25

Forecast

Your assumptions, not a prediction

Balance sheet

At each financial year end, ₹ crore
Total assetsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
29.129.229.429.5
4,3105,1676,2757,351
4,2476,3167,9228,200
116177194209
8,70311,68914,42115,790
43.954.6142155
––62.472.1
237143336331
1,5201,6932,1132,125
6,9029,79811,76813,108
8,70311,68914,42115,790

Cash flow

Yearly, ₹ crore
Cash from operationsSelect a row below to chart it
₹ CrMar 2023Mar 2024Mar 2025Mar 2026
−1,123−2,122−1,045−264
162210−586228
1,6882,1061,593157
727194−37.7121
−12.1−22.4−82.7−25.6
−1,135−2,145−1,128−290
–––−58.9

Shareholding pattern

Source: NSE filings
18.6%
promoters
  • Promoters18.61%
  • Public81.39%
  • As of 30 Sep 2026
QuarterSplitPromotersPublicPromoter change
30 Sep 202618.61%81.39%0.00
30 Jun 202618.61%81.39%0.00
31 Mar 202618.61%81.39%plus 0.05
31 Dec 202518.56%81.44%minus 0.01
30 Sep 202518.57%81.43%–

Major shareholders

NSE filing

Filings & events

News

No recent news coverage found.

My notes

Private to you