Five-Star Business Finance Limited

Web: fivestargroup.in NSE: FIVESTAR BSE: 543663 SECTOR: Financial Services - Finance

538 7(-1%)

Volume

4L as on 22, Jul

Open

499

High

802

Low

780

545

VWAP

552

52 Week High

764

52 Week Low

338

Viand Research Rating

Quality Score

13/100

Growth Score

10/100

Valuation Score

85/100

Momentum Score

70/100

Analyst Recommendations

BUY/SELL

Hold | Buy | Strong Buy

Analyst Price Target

Market Cap (cr)

15,890

No. of Shares

29.5

P/E

13.37

P/B

4.89

Face Value

Div. Yield

Book Value (TTM)

CASH

DEBT

EPS (TTM)

ROE

17.39

ROCE

Profit Growth

Listing Date

21-Nov-22

Promoter Holding

18.61%

FII Holding

48.48%

DII Holding

17.58%

Price Chart

Price Performance

1 Week1%

1 Month8%

3 Months9%

6 Months6%

1 Year25%

YTD2%

Moving Average

5 Day SMA558

10 Day SMA552

20 Day SMA538

30 Day SMA517

50 Day SMA489

61 Day SMA488

80 Day SMA472

200 Day SMA499

PIVOT LEVEL

	Standard	Camarilla	Fibonacci	Woodie's
Resistance 3	583	568	579	582
Resistance 2	579	567	574	578
Resistance 1	572	565	572	570
Pivot Point	567	564	567	566
Support 1	560	563	563	559
Support 2	555	562	560	555
Support 3	548	561	555	547

Competitors/Peers

#	Symbol	MCAP	LTP	1W	1M	6M	1Y	P/E	Ind PE	Debt/Eq	NP Qtr Rs.Cr.
1	HDFCBANK	11,48,092	745	8%	4%	18%	26%	15	40.9	0	79219
2	ICICIBANK	10,27,519	1432	2%	7%	7%	3%	16	40.9	0	57936
3	SBIN	9,32,939	1011	0%	2%	2%	25%	11	40.9	0	86666
4	BAJFINANCE	6,45,596	1037	4%	10%	12%	10%	28	40.9	0	19332
5	LICI	5,31,300	420	4%	4%	48%	54%	9	40.9	0	57453
6	KOTAKBANK	3,80,686	383	1%	5%	11%	82%	20	40.9	0	19288
7	AXISBANK	3,79,569	1220	6%	9%	4%	12%	15	40.9	0	26548
8	BAJAJFINSV	3,01,304	1882	1%	5%	6%	9%	13	40.9	5.52	19669
9	SHRIRAMFIN	2,40,565	1022	2%	7%	5%	62%	21	40.9	0	10024
10	SBILIFE	1,84,339	1837	3%	0%	11%	0%	70	40.9	0	2470
Load More

Shareholding Pattern (%)

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022
Promoters	(0.11) 18.61%	(0.01) 18.56%	(-2.91) 18.57%	(0.01) 21.47%	(-0.11) 21.47%	(0.01) 21.55%	(-4.91) 21.59%	(0.01) 26.51%	(0.01) 26.51%	(-4.81) 26.54%	(-3.11) 31.30%	(-0.51) 34.39%	(0.01) 34.87%	(0.01) 34.87%
FIIs	(-4.51) 48.48%	(-2.81) 52.95%	(-2.31) 55.80%	(-0.61) 58.13%	(1.01) 58.75%	(1.11) 57.76%	(-0.81) 56.70%	(1.41) 57.45%	(1.81) 56.06%	(4.11) 54.28%	(41.51) 50.22%	(1.81) 8.74%	(0.41) 6.98%	(0.01) 6.54%
DIIs	(2.81) 17.58%	(2.61) 14.74%	(2.71) 12.16%	(0.41) 9.48%	(-1.01) 9.09%	(1.11) 10.10%	(2.91) 8.99%	(-0.91) 6.07%	(-0.91) 6.97%	(0.31) 7.82%	(2.81) 7.52%	(-0.31) 4.71%	(-0.61) 5.05%	(0.01) 5.62%
Public	15.34%	13.77%	13.46%	10.93%	10.69%	10.60%	12.71%	9.96%	10.44%	11.36%	10.97%	52.15%	53.10%	52.96%
No. of Shareholders	97,128	91,561	94,108	69,039	76,899	71,229	58,902	48,897	50,442	51,906	40,121	30,655	26,481	27,690

Quarterly Results

	Mar 2026	Dec 2025	Sep 2025	Jun 2025	Mar 2025	Dec 2024	Sep 2024	Jun 2024	Mar 2024	Dec 2023	Sep 2023	Jun 2023	Mar 2023	Dec 2022	Sep 2022
Sales	817	815	799	787	752	727	702	666	616	567	519	480	436	387	361
Sales Growth % (YoY)	-	12.1%	13.9%	18.1%	22.1%	28.2%	35.3%	38.7%	41.4%	46.8%	43.9%	42.1%	33.6%	21.9%	17%
Sales Growth % (QoQ)	0.2%	2%	1.5%	4.7%	3.4%	3.6%	5.4%	8.1%	8.6%	9.2%	8.1%	10.1%	12.7%	7.2%	-
Expenses	277	255	236	241	204	186	178	169	161	145	144	137	133	119	104
Operating Profit	358	371	384	359	373	370	361	339	318	294	269	248	226	204	196
OPM %	44	46	48	46	50	51	51	51	52	52	52	52	52	53	54
Other Income	9	7	7	5	7	4	4	3	3	3	4	3	4	2	1
Interest	181	189	180	187	175	171	163	158	138	129	106	96	77	63	61
Depreciation	10	10	9	8	9	8	7	6	7	7	6	5	5	5	4
Profit before tax	357	369	382	355	371	365	358	336	313	290	267	246	224	202	193
Tax %	25	25	25	25	25	25	25	25	25	25	25	25	25	25	25
Net Profit	269	277	286	266	279	274	268	252	236	217	199	184	169	151	144
Net Profit Growth % (QoQ)	-2.9%	-3.1%	7.5%	-4.7%	1.8%	2.2%	6.3%	6.8%	8.8%	9%	8.2%	8.9%	11.9%	4.9%	-
Net Profit Growth % (YoY)	-3.6%	1.1%	6.7%	5.6%	18.2%	26.3%	34.7%	37%	39.6%	43.7%	38.2%	-	-	-	-
TTM Net Profit	1098	1108	1105	1087	1073	1030	973	904	836	769	703	648	464	295	0
EPS in Rs	9.12	9.41	9.72	9.04	9.48	9.33	9.16	8.6	8.07	7.42	6.84	6.3	5.8	5.18	4.95

Profit and Loss

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015
Sales	3218	2848	2183	1521	1254	1050	787	402	196	86	48	34
Sales Growth %	13%	30.5%	43.5%	21.3%	19.5%	33.4%	95.9%	104.6%	129.5%	-	42%	-
Expenses	1009	733	582	439	337	237	210	107	64	30	12	8
Operating Profit	1472	1443	1128	814	614	486	359	221	78	31	21	16
OPM %	46	51	52	54	49	46	46	55	40	37	44	46
Other Income	28	18	12	8	2	1	1	1	1	0	0	0
Interest	737	672	472	268	302	327	218	73	55	24	14	10
Depreciation	37	30	25	17	12	11	10	4	3	1	1	0
Profit before tax	1463	1431	1116	805	604	476	349	218	76	31	21	15
Tax %	25	25	25	25	25	25	25	28	28	37	34	35
Net Profit	1099	1072	836	604	454	359	262	156	54	19	14	10
Net Profit Growth %	2.5%	28.2%	38.4%	33%	26.5%	37%	67.9%	188.9%	184.2%	35.7%	40%	-
EPS in Rs	37.22	36.43	28.58	20.71	15.57	142.26	103.8	65.4	28.3	13.58	12.82	9.73
Dividend Payout %	5	5	0	0	0	0	0	0	0	0	0	19

Cash Flows

	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2016	Mar 2015
Cash from Operating Activity	-264	-1045	-2122	-1123	-277	-157	-1523	-940	-457	-51	-20
Cash from Investing Activity	228	-585	210	162	-384	102	-132	14	10	-5	0
Cash from Financing Activity	157	1593	2106	1688	7	1033	1725	1010	393	46	38
Net Cash Flow	121	-37	194	727	-654	977	70	84	-53	-10	17

Balance Sheet

	Mar 2026	Sep 2025	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020	Mar 2019	Mar 2018	Mar 2017	Mar 2016	Mar 2015
Equity Capital	30	29	29	29	29	29	26	26	24	19	14	11	10
Reserves	7351	6777	6275	5167	4310	3681	2293	1919	1341	573	210	81	61
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	209	252	194	177	116	74	50	45	31	14	14	5	6
Total Liabilities	15790	15435	14421	11689	8703	6343	5794	4353	2317	1134	690	225	165
Fixed Assets	88	92	86	64	45	33	25	28	10	0	5	2	1
CWIP	72	72	62	0	0	0	0	0	0	0	2	0	0
Investments	227	220	212	108	145	248	0	0	15	15	15	4	0
Other Assets	15402	15051	14060	11517	8513	6062	5769	4325	2293	1119	669	219	164
Total Assets	15790	15435	14421	11689	8703	6343	5794	4353	2317	1134	690	225	165

Delivery

#	Date	414 39% 576	Value (Cr)	Q/T 68	Del 53	Del 71
1	22-Jul	545	20	18	49	10
2	21-Jul	564	23	17	44	10
3	20-Jul	570	43	33	40	17
4	17-Jul	558	23	24	47	11
5	16-Jul	552	13	19	53	7
6	15-Jul	542	47	22	47	22
7	14-Jul	547	30	38	61	18
8	13-Jul	544	20	26	53	11
9	10-Jul	546	53	38	49	26
10	9-Jul	550	23	23	41	9
11	8-Jul	538	58	27	44	26
12	7-Jul	549	28	31	58	16
13	6-Jul	554	40	29	41	16
14	3-Jul	550	63	36	36	23
15	2-Jul	544	153	48	31	47
16	1-Jul	517	56	43	33	18
17	30-Jun	505	59	37	36	21
18	29-Jun	487	54	48	69	37
19	25-Jun	497	27	32	31	8
20	24-Jun	494	38	42	58	22
21	23-Jun	496	40	35	49	20
22	22-Jun	503	71	38	46	33
23	19-Jun	519	82	36	43	35
24	18-Jun	519	332	49	25	83
25	17-Jun	486	143	48	27	39
26	16-Jun	464	36	35	34	12
27	15-Jun	467	622	63	22	138
28	12-Jun	439	47	26	68	32
29	11-Jun	423	26	25	50	13
30	10-Jun	430	20	26	28	5
31	9-Jun	431	98	38	20	20
32	8-Jun	421	28	23	39	11
33	5-Jun	437	44	54	75	33
34	4-Jun	435	10	26	51	5
35	3-Jun	435	23	42	54	12
36	2-Jun	439	90	119	87	78
37	1-Jun	446	15	20	43	6
38	29-May	445	60	41	57	35
39	27-May	454	10	18	49	5
40	26-May	455	22	30	47	10
41	25-May	456	19	33	49	9
42	22-May	446	9	25	41	4
43	21-May	445	44	39	45	20
44	20-May	444	17	27	41	7
45	19-May	453	17	27	40	7
46	18-May	451	23	26	43	10
47	15-May	459	13	23	38	5
48	14-May	466	24	31	25	6

Daily Market Cap

Date	Total Market Cap	Change	Chg %
23-Jul	15,890c	174c	1.08
22-Jul	16,064c	644c	3.85
21-Jul	16,707c	282c	1.72
17-Jul	16,425c	161c	0.99
16-Jul	16,264c	162c	1.01
15-Jul	16,102c	65c	0.40
14-Jul	16,037c	46c	0.28
13-Jul	16,083c	229c	1.40
10-Jul	16,312c	95c	0.58
09-Jul	16,217c	216c	1.35
08-Jul	16,002c	221c	1.36
07-Jul	16,223c	139c	0.85
06-Jul	16,362c	452c	2.84
02-Jul	15,910c	646c	4.24
01-Jul	15,264c	437c	2.95
30-Jun	14,827c	493c	3.44
29-Jun	14,334c	307c	2.10
26-Jun	14,641c	7c	0.05
25-Jun	14,648c	27c	0.18
24-Jun	14,675c	109c	0.75
23-Jun	14,566c	282c	1.90
22-Jun	14,848c	614c	3.97
19-Jun	15,462c	1,086c	7.56
17-Jun	14,375c	649c	4.73
16-Jun	13,726c	21c	0.15
15-Jun	13,747c	700c	5.36
12-Jun	13,047c	613c	4.93
11-Jun	12,434c	360c	2.81
10-Jun	12,795c	0	0

Stock Checklist

Price is below from 52 week high low average: 6%

Stock is trading above all short term SMAs: YES

Stock is trading above all long term SMAs: YES

Stock is Consistently Improving Long Term: NO

FII purchased in last quarter: NO

Promoters are buying the stock: YES

Mutual Fund Holdings

Held by 138 fund scheme(s) across 24 fund house(s) as of Jul26 · Total value ₹4,535 Cr · 36 increasing / 6 decreasing · View in MF Pro →

Fund House	Schemes	Weight %	Change	Value (Cr)
HDFC Mutual Fund	18	0.83%	+0.01%	2207.2
Kotak Mahindra Mutual Fund	6	1.96%	+0.05%	741.4
Sundaram Mutual Fund	6	2.11%	+0.15%	467.2
WhiteOak Capital Mutual Fund	20	33.32%	-0.06%	315.9
Motilal Oswal Mutual Fund	8	2.02%	-	250.9
Tata Mutual Fund	6	1.52%	-	172.3
Aditya Birla Sun Life Mutual Fund	4	23.11%	-	144.2
Bajaj Finserv Mutual Fund	8	0.58%	+0.78%	48.3
ITI Mutual Fund	8	0.90%	+0.12%	47.3
JM Financial Mutual Fund	4	3.22%	+0.02%	43.6
Nippon India Mutual Fund	4	0.35%	-	30.3
Groww Mutual Fund	12	1.31%	-	24.1
SBI Mutual Fund	4	0.26%	-	15.2
Axis Mutual Fund	4	1.14%	-	11.6
ICICI Prudential Mutual Fund	4	0.26%	-	6.8
LIC Mutual Fund	2	0.96%	-	5
Jio BlackRock Mutual Fund	1	0.47%	-	1.6
Edelweiss Mutual Fund	2	0.41%	-	1.5
Bandhan Mutual Fund	4	0.26%	-	0.8
Navi Mutual Fund	4	0.14%	-	0.1
DSP Mutual Fund	4	0.22%	-	0.1
Angel One Mutual Fund	2	0.04%	-	0
Mirae Asset Mutual Fund	2	0.04%	-	0
Zerodha Mutual Fund	1	0.23%	-	0

Five-Star Business Finance Limited

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Cash Flows

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