Five-Star Business Finance Ltd.

BSE: FIVESTAR543663ISIN INE128S01021

Financial Services
Non Banking Financial Company (NBFC)
BSE 500

Share price

₹429.25+32.10 (+8.08%)

as of 5 Nov 2026

Prices adjusted for splits and bonuses; cash dividends excluded. Volume shows actual shares traded.

52W high: ₹656.90
52W low: ₹338.05
Off 52W high: -34.66%
1M return: -16.56%
3M return: -22.40%
6M return: -9.32%
1Y return: -34.25%
20D avg volume: 62,159
50 DMA: ₹498.32
200 DMA: ₹477.82

Key ratios Standalone

Market cap: ₹12,671 Cr
Current price: ₹429.25
52W high / low: ₹656.90 / ₹338.05
Face value: ₹1.00
P/E: 11.34
P/B: 2.21
EPS (TTM): ₹37.84
Book value / share: ₹194.23
ROE: 19.52%
ROCE: —
Operating margin: —
Net margin: —
Debt / equity: 1.01
Net debt: ₹5,799 Cr
Interest cover: 2.98
Dividend yield: 0.47%
Dividend / share (TTM): ₹2.00
Payout: 5.29%
Cash conversion cycle: —

Financials

Metric	Q2 FY27	Q1 FY27	Q4 FY26	Q3 FY26	Q2 FY26	Q1 FY26	Q4 FY25	Q3 FY25	Q2 FY25	Q1 FY25	Q4 FY24	Q3 FY24
Income statement
	858.48	828.98	816.95	815.07	799.44	786.68	752.27	727.38	702.05	666.14	616.29	567.37
	16.55	9.76	9.11	7.16	7.07	4.51	7.48	3.68	3.79	3.24	2.85	2.65
	875.03	838.74	826.06	822.22	806.50	791.19	759.75	731.05	705.84	669.38	619.14	570.02
	500.27	476.79	468.93	453.41	424.58	436.23	388.68	365.93	347.63	333.19	305.95	280.12
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	204.08	188.88	170.48	159.72	143.62	156.07	144.25	129.20	124.84	122.81	114.28	109.81
	167.69	171.50	181.39	188.53	179.98	187.29	175.30	171.35	163.13	158.19	137.73	128.71
	9.78	9.21	10.10	9.61	9.11	8.22	8.99	8.34	6.67	6.38	7.39	6.64
	54.38	45.39	46.57	38.45	40.83	36.86	34.76	2.02	31.21	1.69	1.65	1.29
	374.76	361.95	357.13	368.81	381.92	354.95	371.07	365.13	358.21	336.19	313.19	289.90
	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	374.76	361.95	357.13	368.81	381.92	354.95	371.07	365.13	358.21	336.19	313.19	289.90
	75.44	90.54	87.86	91.79	95.78	88.64	91.95	—	—	—	—	—
	299.32	271.41	269.27	277.03	286.14	266.31	279.12	273.86	267.94	251.57	236.06	216.76
	10.14	9.19	9.14	9.41	9.72	9.04	9.49	9.36	9.16	8.60	8.07	7.42
Key metrics
	—	—	—	—	—	—	—	544.82	528.01	500.76	458.31	425.25
	—	—	—	—	—	—	—	74.90%	75.20%	75.20%	74.40%	75.00%
	34.90%	32.70%	33.00%	34.00%	35.80%	33.90%	37.10%	37.70%	38.20%	37.80%	38.30%	38.20%
	7.40%	5.40%	8.60%	12.10%	13.90%	18.10%	22.10%	28.20%	—	—	—	—
	4.60%	1.90%	-3.50%	1.20%	6.80%	5.90%	18.20%	26.30%	—	—	—	—

Metric	TTM	FY26	FY25	FY24	FY23
Income statement
	3,319	3,218	2,848	2,183	1,529
	42.58	27.85	18.18	12.25	8.08
	3,362	3,246	2,866	2,195	1,529
	1,899	1,783	1,435	1,079	724.19
	0.00	0.00	0.00	0.00	0.00
	0.00	0.00	0.00	0.00	0.00
	723.16	629.89	521.11	428.59	346.43
	709.11	737.19	667.98	468.50	266.25
	38.70	37.05	30.38	24.57	17.31
	184.79	162.72	127.00	5.76	74.06
	1,463	1,463	1,431	1,116	804.74
	0.00	0.00	0.00	0.00	0.00
	1,463	1,463	1,431	1,116	804.74
	345.63	364.07	358.10	—	—
	1,117	1,099	1,072	835.92	603.50
	37.88	37.31	36.61	28.64	20.71
Key metrics
	—	—	—	1,609	1,088
	—	—	—	73.70%	71.20%
	33.65%	34.10%	37.70%	38.30%	39.50%
	8.28%	13.00%	30.50%	42.80%	—
	1.05%	2.40%	28.30%	38.50%	—
	—	-289.92	-1,128	—	—
	—	-0.24	-0.97	—	—
	—	1.01	1.13	—	—
	—	5,799	5,643	—	—
Balance sheet
	—	15,790	14,421	—	—
	—	1,618	1,497	—	—
	—	0.00	0.00	—	—
	—	0.00	0.00	—	—
	—	26.40	24.12	—	—
	—	7,417	7,140	—	—
	—	7,380	6,305	—	—
Cash flow
	—	-264.28	-1,045	—	—
	—	228.38	-585.16	—	—
	—	157.06	1,593	—	—
	—	25.64	82.72	—	—

Compounded growth

Sales CAGR 3Y: +28.16%
Sales CAGR 5Y: —
Profit CAGR 3Y: +22.11%
Profit CAGR 5Y: —
Sales YoY (TTM): +8.28%
Profit YoY (TTM): +1.05%

Compounded from reported annual figures. We publish no share-price CAGR: our prices are as-traded, so one would be wrong across every split and bonus issue.

Shareholding as of 30 Sep 2026

Promoter holding: 18.60%

Quarter	30 Sep 2026	September 2026	June 2026
Promoter %	18.60%	18.60%	18.60%

Holder	Type	Holding	Previous	Change
D LAKSHMIPATHY	Promoter	10.51%	10.51%	0.00%
HDFC MUTUAL FUND - HDFC BSE 500 ETF	Public	7.51%	7.51%	0.00%
HEMA	Promoter	7.18%	7.18%	0.00%
SIRIUS II PTE. LTD.	Public	5.96%	5.96%	0.00%
SUNDARAM MUTUAL FUND A/C SUNDARAM SMALL CAP FUND	Public	3.04%	3.04%	0.00%
PEAK XV PARTNERS INVESTMENTS V	Public	2.89%	2.89%	0.00%
FIDELITY FUNDS - INDIA FOCUS FUND	Public	2.86%	2.86%	0.00%
KOTAK SMALL CAP FUND	Public	2.64%	2.64%	0.00%
NORWEST VENTURE PARTNERS X - MAURITIUS	Public	2.39%	2.39%	0.00%
PEAK XV PARTNERS GROWTH INVESTMENTS III	Public	1.74%	1.74%	0.00%
GOVERNMENT PENSION FUND GLOBAL	Public	1.74%	1.74%	0.00%
SEQUOIA CAPITAL GLOBAL GROWTH FUND III- ENDURANCE	Public	1.61%	1.61%	0.00%
ATMA RAM BUILDERS PVT LTD	Public	1.59%	1.59%	0.00%
WHITEOAK CAPITAL FLEXI CAP FUND	Public	1.25%	1.25%	0.00%
NOMURA INDIA INVESTMENT FUND MOTHER FUND	Public	1.20%	1.20%	0.00%

Public shareholders are disclosed individually only above 1%.

Peer comparison

Company	Mkt cap (₹ Cr)	Price (₹)	P/E	ROCE	Sales YoY	Profit YoY	1Y return
Bajaj Finance Limited	6,66,302	1,070.20	30.20	—	+18.82% TTM	+18.85% TTM	+1.25%
Shriram Finance Limited	2,26,814	963.90	17.88	—	+13.76% TTM	+28.60% TTM	+21.05%
Cholamandalam Investment and Finance Company Ltd	1,50,922	1,760.00	24.26	—	+21.13% TTM	+33.94% TTM	+0.27%
Tata Capital Limited	1,47,679	347.90	23.85	—	—	—	+5.63%
MUTHOOT FINANCE LIMITED	1,14,061	2,841.10	9.26	—	+47.27% TTM	+70.66% TTM	-10.96%
L&T Finance Limited	69,755	278.30	20.30	—	+20.11% TTM	+27.39% TTM	-0.62%
SBI CARDS AND PAYMENT SERVICES LIMITED S	55,495	583.15	21.28	—	+5.81% TTM	+35.96% TTM	-33.75%
Piramal Finance Limited	50,166	2,120.00	26.28	—	—	—	—
Authum Investment & Infrastructure Limited	48,423	570.20	27.75	—	-24.30% TTM	-56.50% TTM	-0.94%
SUNDARAM FINANCE LTD	46,974	4,227.90	—	—	—	—	-11.41%
HDB FINANCIAL SERVICES LIMITED S	44,225	532.25	14.94	—	—	—	-27.19%
POONAWALLA FINCORP LIMITED	41,890	475.70	38.52	—	+75.12% TTM	+399.21% TTM	+0.60%
Mahindra & Mahindra Financial Services Limited	39,620	285.00	10.99	—	+14.94% TTM	+45.99% TTM	-10.52%
Manappuram Finance Limited	30,655	326.35	21.21	—	+4.79% TTM	+85.35% TTM	+22.48%
IIFL FINANCE LIMITED	25,750	603.30	9.74	—	+35.37% TTM	+157.78% TTM	+11.95%
Capri Global Capital Limited	23,433	243.55	17.89	—	+52.88% TTM	+82.77% TTM	+23.54%
Five-Star Business Finance Ltd. S	12,671	429.25	11.34	—	+8.28% TTM	+1.05% TTM	-34.25%
SBFC Finance Limited	9,912	89.14	28.63	—	+28.23% TTM	+45.63% TTM	-24.10%
PAISALO DIGITAL LIMITED	7,191	76.49	27.09	—	+23.60% TTM	+27.97% TTM	+98.73%
Bengal & Assam Company Limited	6,485	5,686.65	8.30	—	+12.05% TTM	+3.26% TTM	-25.65%
Fedbank Financial Services Limited S	5,959	158.80	13.74	—	+21.29% TTM	+76.56% TTM	+11.13%
Mrugesh Trading Ltd. S	5,394	74.66	—	-0.30%	+21.12% TTM	+94.74% TTM	+3,293.64%
MAS Financial Services Limited	4,919	271.10	11.63	—	+22.72% TTM	+23.77% TTM	-13.52%
SG FINSERVE LIMITED S	4,624	701.70	24.70	—	+104.57% TTM	+86.47% TTM	+83.91%
Northern Arc Capital Ltd.	4,565	282.10	9.55	—	+29.02% TTM	+70.21% TTM	+2.51%

Filings & corporate actions

Recent announcements

Transcript of the Earnings call for the quarter and half year ended September 30, 202630 Oct 2026 · Company Update / Earnings Call Transcript
Newspaper Publication - Unaudited Financial Results for the quarter and half year ended September 30, 2026.27 Oct 2026 · Company Update / Newspaper Publication
Audio Recording of the Earnings Conference Call for the quarter and half year ended September 30, 202626 Oct 2026 · Company Update / Analyst / Investor Meet
Audio Recording of the Earnings Conference Call for the quarter and half year ended September 30, 202626 Oct 2026 · Company Update / Analyst / Investor Meet
Appointment of Chief Risk Officer and Change in Senior Management Personnel26 Oct 2026 · Company Update / Change in Management
Un Audited Financial Results for the quarter and half year ended September 30, 202626 Oct 2026 · Result / Financial Results
Outcome of Board meeting held on October 26, 2026, and submission of unaudited financial statements/results for the quarter and half year ended September 30, 202626 Oct 2026 · Board Meeting / Outcome of Board Meeting
Investor Press Release on the Financial and Operational Performance of the Company for the quarter and half year ended September 30, 202626 Oct 2026 · Company Update / Press Release / Media Release
Investor Presentation on the unaudited financial results for the quarter and half year ended September 30, 202626 Oct 2026 · Company Update / Investor Presentation
Intimation on Q2 FY27 Earnings Call14 Oct 2026 · Company Update / Analyst / Investor Meet
Intimation of allotment of 2920 equity shares pursuant to Employee Stock Option13 Oct 2026 · Company Update / Allotment of ESOP / ESPS
Five-Star Business Finance Ltdhas informed BSE that the meeting of the Board of Directors of the Company is scheduled on 26/10/2026 ,inter alia, to consider and approve unaudited financial ....13 Oct 2026 · Board Meeting / Board Meeting
Certificate under Regulation 74(5) of SEBI (Depositories & Participants) Regulations, 2018 for the Quarter ended September 30, 20266 Oct 2026 · Company Update / Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 201529 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Closure of Trading Window28 Sep 2026 · Insider Trading / SAST / Closure of Trading Window
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 201523 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 201522 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 201518 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 201518 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 201518 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 201518 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 201518 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 201518 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 201515 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 201515 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of allotment of 7040 equity shares pursuant to Employee Stock Option15 Sep 2026 · Company Update / Allotment of ESOP / ESPS
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 20158 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 20158 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 20158 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 20158 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 20154 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 20154 Sep 2026 · Company Update / Analyst / Investor Meet
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 20152 Sep 2026 · Company Update / Analyst / Investor Meet
Submission of voting results along with the Scrutinizer''s Report of the 42nd Annual General Meeting1 Sep 2026 · AGM/EGM / AGM
Summary of proceedings of 42nd Annual General Meeting (AGM) of Five-Star Business Finance Limited31 Aug 2026 · AGM/EGM / AGM
Intimation of Allotment of 650 equity shares pursuant to exercise of Employee Stock Options12 Aug 2026 · Company Update / Allotment of ESOP / ESPS
Advertisement regarding the dispatch of Annual Report and Notice of the 42nd Annual General Meeting7 Aug 2026 · Company Update / Newspaper Publication
Submission of Business Responsibility and Sustainability Report for FY 2025-266 Aug 2026 · Others / Business Responsibility and Sustainability Reporting (BRSR)
Intimation under Regulation 29 and 50 of SEBI (LODR) - Prior Intimation for Annual General Meeting (AGM)6 Aug 2026 · Company Update / General
Intimation under Regulation 34 (1) & 53(2) of SEBI (LODR) 2015 - Annual Report for the financial year 2025-266 Aug 2026 · Others / Reg. 34 (1) Annual Report

Corporate actions

Purpose	Ex date	Record date	Payment date
Final Dividend - Rs. - 2.0000	31 Jul 2026	31 Jul 2026	—
Final Dividend - Rs. - 2.0000	14 Aug 2025	14 Aug 2025	—

Board meetings

26 Oct 2026 Board Meeting - Financial Results
25 Jul 2026 Board Meeting - Financial Results