NSE FIVESTAR · BSE 543663 · Consumer Financial Services · NIFTY 500
Five-Star Business Finance Share Price
₹524.85
▼ −₹24.62 · 4.48%
Day range · 24 Sep
₹516.70Low₹541.10High
52-week range
₹338.05Low · 23 Mar 2026₹665.95High · 31 Oct 2025
Five-Star Business Finance Overview
Where the price stands, how it has moved and how it sits against its averages.
Five-Star Business Finance shares last traded at ₹524.85 on the NSE, down 4.48% on the day. That is 21.2% below the 52-week high of ₹665.95 and 55.3% above the 52-week low of ₹338.05. The stock trades at 14.04× earnings, below the sector average of 23.98. Its market value is ₹15,502 Cr.
Price returns
1 Day▼ −4.48%
1 Week0.00%
This month▲ +2.74%
3 Months▲ +11.32%
6 Months▲ +43.67%
This year▲ +0.80%
1 Year▲ +5.14%
Against the market: 1 Month ▲ +10.50% · 3 Months ▲ +14.54% · 6 Months ▲ +44.53% · This year ▲ +14.80% · 1 Year ▲ +15.36%
Shading grows with the size of the move. We ask our data provider for a newer price every 15 minutes while the market is open (9:15 AM–3:30 PM IST); next check from Fri 16 Oct, 9:15 AM. Its quotes are not real-time — the time at the top shows how current the price is.
Moving averages — price is above 2 of 6
- 50-day average₹539.28 ▼ price 2.7% below
- 10-day average₹534.94 ▼ price 1.9% below
- 5-day average₹533.72 ▼ price 1.7% below
- 20-day average₹530.95 ▼ price 1.1% below
- Today's price₹524.85
- 100-day average₹508.74 ▲ price 3.2% above
- 300-day average₹490.86 ▲ price 6.9% above
Each average is the mean closing price over that many trading days; averages above the current price sit higher on the ladder.
Five-Star Business Finance Financial Results
Revenue and net profit in ₹ crore, with the full statements underneath.
3,218
1,099
Year by year
| Fiscal year | Revenue | Growth | Net profit | Net margin | EPS | Dividend |
|---|---|---|---|---|---|---|
| FY 2026 | ₹3,218 Cr | ▲ +13.0% | ₹1,099 Cr | 34.1% | ₹37.25 | ₹2.00 |
| FY 2025 | ₹2,848 Cr | ▲ +30.5% | ₹1,072 Cr | 37.7% | ₹36.61 | ₹2.00 |
| FY 2024 | ₹2,183 Cr | ▲ +43.5% | ₹836 Cr | 38.3% | ₹28.39 | — |
| FY 2023 | ₹1,521 Cr | ▲ +21.3% | ₹604 Cr | 39.7% | ₹20.49 | — |
| FY 2022 | ₹1,254 Cr | ▲ +19.5% | ₹454 Cr | 36.2% | ₹15.57 | — |
| FY 2021 | ₹1,050 Cr | ▲ +33.4% | ₹359 Cr | 34.2% | ₹12.32 | — |
| FY 2020 | ₹787 Cr | — | ₹262 Cr | 33.3% | ₹8.99 | ₹0.00 |
829
286
271
Quarter by quarter
| Quarter | Revenue | vs prev. qtr | Net profit | Net margin | EPS |
|---|---|---|---|---|---|
| Q1 FY27 | ₹829 Cr | ▲ +1.5% | ₹271 Cr | 32.7% | ₹9.18 |
| Q4 FY26 | ₹817 Cr | ▲ +0.2% | ₹269 Cr | 33.0% | ₹9.14 |
| Q3 FY26 | ₹815 Cr | ▲ +2.0% | ₹277 Cr | 34.0% | ₹9.38 |
| Q2 FY26 | ₹799 Cr | ▲ +1.6% | ₹286 Cr | 35.8% | ₹9.72 |
| Q1 FY26 | ₹787 Cr | ▲ +4.6% | ₹266 Cr | 33.9% | ₹9.04 |
| Q4 FY25 | ₹752 Cr | ▲ +3.4% | ₹279 Cr | 37.1% | ₹9.49 |
| Q3 FY25 | ₹727 Cr | ▲ +3.6% | ₹274 Cr | 37.7% | ₹9.35 |
| Q2 FY25 | ₹702 Cr | — | ₹268 Cr | 38.2% | ₹9.07 |
Balance sheet — FY26
Owes (liabilities)Shareholders' equity
53%
47%
- Total assets₹15,790 Cr
- Total liabilities₹8,410 Cr
- Shareholders' equity₹7,380 Cr
- Total debt₹8,261 Cr
- Cash & investments₹1,618 Cr
- Revenue growth, 5 yr25.11% a year
- EPS growth, 5 yr24.77% a year
- Operating margin (TTM)66.19%
- Net margin (TTM)33.86%
Cash flow — FY26
Operating activities
▼ −₹264 Cr
Investing activities
▲ ₹228 Cr
Financing activities
▲ ₹157 Cr
Free cash flow
▼ −₹290 Cr
Net change in cash
▲ ₹121 Cr
Right of the line = cash coming in, left = cash going out. Free cash flow = cash from operations minus capital spending.
Full financial statements, FY20–FY26
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total revenue | 786.71 | 1,049.74 | 1,254.06 | 1,520.85 | 2,182.85 | 2,847.84 | 3,218.12 |
| Cost of revenue | 0.43 | 2.67 | 0.00 | — | — | — | — |
| Gross profit | 786.29 | 1,047.07 | 1,254.06 | — | — | — | — |
| Operating expenses | 221.10 | 249.60 | 351.35 | 457.91 | 610.65 | 767.37 | 1,045.90 |
| Operating income | 565.61 | 800.14 | 902.72 | 1,062.94 | 1,572.20 | 2,080.47 | 2,172.22 |
| Depreciation | 10.07 | 11.38 | 12.24 | 17.31 | 24.57 | 30.38 | 37.05 |
| Profit before tax | 349.30 | 476.44 | 604.21 | 804.73 | 1,115.94 | 1,430.59 | 1,462.82 |
| Tax | 87.35 | 117.45 | 150.66 | 201.24 | 280.02 | 358.10 | 364.07 |
| Net profit | 261.95 | 358.99 | 453.54 | 603.50 | 835.92 | 1,072.49 | 1,098.75 |
| EPS (₹) | 8.99 | 12.32 | 15.57 | 20.49 | 28.39 | 36.61 | 37.25 |
| Dividend per share (₹) | 0.00 | — | — | — | — | 2.00 | 2.00 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| Total assets | 4,353.15 | 5,793.61 | 6,343.07 | 8,702.83 | 11,688.78 | 14,420.56 | 15,789.74 |
| Current assets | — | — | — | — | — | — | — |
| Cash & short-term investments | 289.83 | 1,267.18 | 613.16 | 1,340.36 | 1,534.40 | 1,497.16 | 1,617.90 |
| Inventory | — | — | — | — | — | — | — |
| Property, plant & equipment | 25.94 | 22.98 | 31.93 | 43.89 | 54.62 | 141.59 | 154.57 |
| Total liabilities | 2,408.57 | 3,475.44 | 2,632.71 | 4,363.29 | 6,492.62 | 8,115.96 | 8,409.59 |
| Current liabilities | — | — | — | — | — | — | — |
| Total debt | 2,379.25 | 3,440.49 | 2,579.96 | 4,277.14 | 6,351.84 | 7,979.24 | 8,260.56 |
| Total equity | 1,944.58 | 2,318.17 | 3,710.35 | 4,339.53 | 5,196.15 | 6,304.61 | 7,380.15 |
| ₹ crore | FY20 | FY21 | FY22 | FY23 | FY24 | FY25 | FY26 |
|---|---|---|---|---|---|---|---|
| From operations | −1,523.28 | −157.27 | −277.16 | −1,122.81 | −2,122.34 | −1,044.95 | −264.28 |
| From investing | −131.93 | 102.14 | −383.88 | 161.78 | 210.16 | −585.16 | 228.38 |
| From financing | 1,725.34 | 1,032.53 | 7.02 | 1,688.22 | 2,106.22 | 1,592.87 | 157.06 |
| Capital expenditure | −9.71 | −3.24 | −8.63 | −12.13 | −22.39 | −82.72 | −25.64 |
| Dividends paid | — | — | — | — | — | — | −58.89 |
| Net change in cash | 70.12 | 977.40 | −654.02 | 727.20 | 194.04 | −37.24 | 121.15 |
Five-Star Business Finance vs Peers
Side by side with other consumer financial services companies. The small bars compare each column.
| Company | Price | Change | Market cap | P/E | P/B | ROE (5 yr) | Net margin | Div. yield |
|---|---|---|---|---|---|---|---|---|
| Five-Star Business Finance This stock | ₹524.85 | ▼ −4.48% | ₹15,502 Cr | 14.04 | 2.10 | 16.66% | 33.86% | 0.38% |
| Bajaj Finance | ₹983.15 | ▼ −5.47% | ₹6,12,105 Cr | 25.01 | 5.76 | 19.79% | 23.72% | 0.51% |
| Shriram Finance | ₹991.50 | ▼ −1.54% | ₹2,33,298 Cr | 13.87 | 2.95 | 16.15% | 20.94% | 1.04% |
| Jio Financial Services | ₹229.00 | ▼ −1.17% | ₹1,51,212 Cr | 95.47 | 1.15 | 1.11% | 49.84% | 0.21% |
| Tata Capital | ₹334.55 | ▼ −4.43% | ₹1,42,033 Cr | 20.47 | 3.26 | 14.39% | 15.95% | 0.16% |
| Power Finance Corporation | ₹339.50 | ▼ −2.08% | ₹1,12,038 Cr | 5.42 | 1.01 | 20.90% | 29.13% | 4.58% |
Peer prices and ratios as last reported by the data provider. Company names link to their own pages.
Five-Star Business Finance Key Metrics
Each ratio placed against a benchmark — the sector average, the company's own 5-year average, or a common rule of thumb.
Five-Star Business FinanceBenchmarkRule-of-thumb bands
Valuation The price against earnings, book value and sales
P/E (TTM)Price ÷ yearly earnings per share
14.04
▼ 41% below the sector average of 23.98
P/E, 12-month rangeLow 9.47 · high 32.61
20%
Today's P/E sits 20% of the way from its low to its high
P/BPrice ÷ book value per share
2.10
P/SMarket cap ÷ last 12 months' revenue
4.75
P/CFPrice ÷ cash flow per share
14.21
PEGP/E ÷ earnings growth rate
0.67
Profitability Of every ₹100 of sales, how much is kept?
Operating marginKept after running costs
66.19%
▼ below its 5-yr average of 70.67%
Pre-tax marginKept before tax
45.08%
▼ below its 5-yr average of 49.15%
Net marginKept as profit
33.86%
▼ below its 5-yr average of 36.87%
Returns & efficiency How well does it use its money?
Return on equityProfit on shareholders' money
16.06%
▼ below its 5-yr average of 16.66%
Return on assetsProfit on everything it owns
7.27%
▼ below its 5-yr average of 7.82%
Return on investmentProfit on long-term capital
8.63%
▼ below its 5-yr average of 8.90%
Return on capital employedProfit before interest and tax on equity + debt
9.78%
Growth Is the business getting bigger?
Revenue — last 12 months
+9.8%
▲ growing
Revenue — 3 yr, a year
+28.4%
▲ growing (off the scale)
Revenue — 5 yr, a year
+25.1%
▲ growing (off the scale)
Net profit — 3 yr, a year
+22.1%
▲ growing
Net profit — 5 yr, a year
+25.1%
▲ growing (off the scale)
EPS — last 12 months
+1.3%
▲ growing
EPS — 3 yr, a year
+22.0%
▲ growing
EPS — 5 yr, a year
+24.8%
▲ growing
Book value — 5 yr, a year
+25.7%
▲ growing (off the scale)
Financial strength Can it pay its bills and debts?
Debt to equityBorrowings for every ₹1 of shareholders' money — a lender's loans are funded this way
1.12×
Payout ratioShare of profit paid as dividend
5.37%
Per share What each share stands for
EPS (TTM)
₹37.42
Book value
₹250.01
Cash flow
₹38.71
Dividend
₹2.00
Revenue
₹110.52
The share price is 2.10× the book value behind each share.
Benchmarks: sector averages and 5-year averages come from the data provider; the debt and liquidity bands are common rules of thumb, not investment advice.
All 100 metrics from the data provider
Valuation
P/E excluding extraordinary items, most recent fiscal year14.76
Current Dividend Yield - Common Stock Primary Issue, LTM0.36
Price to Book - most recent fiscal year2.20
P/E Basic excluding extraordinary items - TTM13.48
P/E including extraordinary items - TTM14.69
P/E excluding extraordinary items low, trailing 12 months9.47
Price to Tangible Book - most fiscal year2.20
Price to sales - most recent fiscal year5.04
Dividend Yield - indicated annual dividend divided by closing price0.36
Price to Cash Flow per share - trailing 12 month14.21
Peg Ratio0.67
P/E Normalized, most recent fiscal year12.86
P/E excluding extraordinary items high, trailing 12 months32.61
P/E excluding extraordinary items, most recent fiscal year quarter14.69
Price to sales - trailing 12 month4.98
Net Debt, LFY66,426.69
Per share
Cash Flow per share - trailing 12 month38.71
Cash Flow per share - most recent fiscal year38.51
EPS including extraordinary items - trailing 12 month37.42
EPS including extraordinary items - most recent fiscal year37.25
EBITD per share - trailing 12 month82.25
Revenue/share - trailing 12 month110.52
EPS excluding extraordinary items - trailing 12 month37.42
EPS Basic excluding extraordinary items - most recent fiscal year37.31
EPS Basic excluding extraordinary items - trailing 12 month37.46
Book value per share - most recent fiscal year250.03
Dividend per share - most recent fiscal year2.00
Revenue/share - most recent fiscal year109.10
EPS Normalized - most recent fiscal year42.76
Book value (tangible) per share - most recent fiscal year249.83
Dividends per share - trailing 12 month2.00
EPS excluding extraordinary items - most recent fiscal year37.25
Cash per share - most recent fiscal year54.81
Margins
Operating margin - trailing 12 month66.19
Operating margin - 1st historical fiscal year67.50
Operating Margin - 5 year average70.67
Net Profit Margin % - 1st historical fiscal year34.14
Net Profit Margin % - trailing 12 month33.86
Net Profit Margin - 5 year average36.87
Pretax Margin - 5 year average49.15
Pretax margin - 1st historical fiscal year45.46
Pretax margin - trailing 12 month45.08
Free Operating Cash Flow/Revenue, 5 Year Average−45.74
Growth
EPS Change %, TTM over TTM1.27
Revenue growth rate, 5 year25.11
EPS growth rate, 5 year24.77
Revenue Change % - most recent quarter 1 year ago5.38
Growth rate% - EPS, 3 year22.04
Revenue/share (5 yr growth)24.81
Tangible Book Value, Total Equity, 5 Year CAGR26.06
Capital Spending growth rate, 5 year51.21
Revenue Change %, TTM over TTM9.84
Growth rate% - Revenue, 3 year28.38
Book value per share growth rate, 5 year25.73
EPS Change % - most recent quarter 1 year ago1.55
Net Profit Margin growth rate, 5 year−0.03
Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR23.43
Total Debt, 5 Year CAGR19.15
Financial strength
Net Interest coverage - most recent fiscal year3.24
Free Cash Flow - most recent fiscal year−3,488.14
LT debt/equity - most recent fiscal year0.77
Payout ratio - trailing 12 month5.35
Current EV/Free Cash Flow, LFY21.75
Total debt/total equity - most recent fiscal year1.12
Net Interest coverage - trailing 12 month3.31
Payout ratio - most recent fiscal year5.37
Returns & efficiency
Return on average equity - 5 year average16.66
Net Income/employee - trailing 12 month7,79,935.20
Revenue/employee - most recent fiscal year24,67,224.00
Return on investment - most recent fiscal year8.63
Return on average assets - most recent fiscal year7.27
Receivables turnover - most recent fiscal year42.36
Revenue/employee - trailing 12 month23,03,700.00
Return on average assets - 5 year average7.82
Net Income/employee - most recent fiscal year8,42,370.00
Asset turnover - most recent fiscal year0.21
Return on average equity - most recent fiscal year16.06
Return on investment - 5 year average8.90
Price & volume
Market Cap15,501.83
52 week Low Date23 Mar 2026
Price - 1 Day % Change4.73
Relative (S&P500) price percent change - 13 week14.54
Avg trading volume last 10 days0.69
Price - 13 week price percent change11.32
Price - 52 week price percent change5.14
Avg Trading Volume Last 3 months14.60
Price - 5 Day % Change0.05
Price % Change Month To Date2.74
Relative (S&P500) price percent change - 04 week10.50
52 week High Date31 Oct 2025
Price - 26 week price percent change43.67
PDATE23 Sep 2026
Price - YTD price percent change0.80
Relative (S&P500) price percent change - 52 week15.36
NPRICE549.70
Relative (S&P500) price percent change - 26 week44.53
52 week Low338.15
52 week High666.00
Beta1.20
Relative (S&P500) price percent change - Year to Date14.80
Dividends & Corporate Events
Payouts to shareholders, splits and bonus issues, and company meetings — newest first.
₹2.00
₹2.00
- Dividend yield0.38%
- Payout ratio5.37%
- Latest dividend₹2.00 per share · 31 Jul 2026
Corporate calendar
- MeetingAnnual General Meeting
- MeetingAnnual General Meeting
- Dividend₹2.00 per share · 200% · Final dividend
- BoardQuarterly Results
- BoardAudited Results & Final Dividend
- MeetingPostal Ballot
- BoardOthers
- BoardQuarterly Results
Show 8 older events
- BoardQuarterly Results
- MeetingAnnual General Meeting
- Dividend₹2.00 per share · 200% · Final dividend
- BoardQuarterly Results
- BoardAudited Results & Final Dividend
- BoardTo consider Fund Raising
- MeetingPostal Ballot
- MeetingAnnual General Meeting
About Five-Star Business Finance
Consumer Financial Services
Five-Star Business Finance Limited is a non-deposit taking Non-Banking Finance Company (NBFC). The Company is primarily engaged in providing loans for business purposes, house renovation/extension purposes, and other mortgage purposes. The Company provides small business loans and small mortgage loans to eligible borrowers, after due underwriting of their cash flows and backed by the collateral of their house property. It also provides secured loans to micro-entrepreneurs and self-employed individuals for business purposes, as well as for asset creation, such as home renovation or improvement, or for expenses for economic events, such as marriage and education. The loan ticket ranges between approximately one lakh rupees (Rs) to 10 lakhs Rs for a tenure of up to seven years and the repayments are to be made on a monthly equated basis. The Company operates through approximately 748 branches in 10 states and one union territory in Tamil Nadu, Puducherry, Karnataka, Telangana and Gujarat.
Key people
- Lakshmipathy DeenadayalanChairman of the Board, Managing Director
- Srikanth GopalakrishnanChief Financial Officer, Joint Managing Director, Executive Director
- Vishnuram JagannathanChief Operating Officer
- Vanamali SridharanChief Technology Officer
- Vigneshkumar S. MCompliance Officer, Company Secretary
- Ramesh KannahChief Legal Officer
Company facts
- NSE symbolFIVESTAR
- BSE code543663
- ISININE128S01021
- IndustryConsumer Financial Services
- IndexNIFTY 500
- Market cap₹15,502 Cr
- Revenue (FY26)₹3,218 Cr
- Net profit (FY26)₹1,099 Cr
Stock data comes from the exchange feed via our data provider. It is not real-time and can be delayed, so check the price with your broker before you trade. This page is for information and education only. It is not investment advice, research or a recommendation to buy, sell or hold any security. Investments in the securities market are subject to market risks; read all related documents carefully before investing. See all stocks →
Frequently Asked Questions
Five-Star Business Finance (NSE: FIVESTAR) last traded at ₹524.85 on the NSE, down 4.48% (₹24.62) on the day, as of 24 Sep 2026, 10:23 AM IST. On the BSE it was ₹525.15. The day's range was ₹516.70 – ₹541.10.
Five-Star Business Finance's 52-week high is ₹665.95 (31 Oct 2025) and its 52-week low is ₹338.05 (23 Mar 2026). At ₹524.85 the share is 21.2% below its high and 55.3% above its low.
Five-Star Business Finance's market capitalisation is ₹15,502 Cr (₹15,502 Cr). It is part of the NIFTY 500 index.
Five-Star Business Finance's P/E ratio (trailing 12 months) is 14.04. The sector average is 23.98, so investors pay 41% less for each rupee of its earnings than for the average company in its sector. Its earnings per share (TTM) are ₹37.42.
Five-Star Business Finance shares are up 5.14% over the last year, up 0.80% so far this year, up 43.67% over 6 months, up 11.32% over 3 months. Over the last year the stock did 15.36% better than the market.
In FY26 (year to Mar 2026), Five-Star Business Finance reported revenue of ₹3,218 Cr (up 13.00% on the year before) and a net profit of ₹1,099 Cr. Earnings per share were ₹37.25.
Yes. Five-Star Business Finance's latest dividend is ₹2.00 per share (200%, final dividend), with an ex-date of 31 Jul 2026. The dividend yield is 0.38%. It has paid 2 dividends in the records shown on this page.
As of Jun 2026: Promoter 18.61%, FII 43.97%, MF 17.82%, Other 19.60%.
Five-Star Business Finance's listed peers in Consumer Financial Services include Bajaj Finance, Shriram Finance, Jio Financial Services, Tata Capital, Power Finance Corporation. By market capitalisation it ranks #6 of 6 in this group.
No. Five-Star Business Finance has debt — its debt-to-equity ratio is 1.12 and total debt was ₹8,261 Cr in FY26. As a lender it borrows to fund its loans, so debt is part of its business.