Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.
Financials of Five-Star Business Finance Ltd
Quarter-by-quarter operating performance
| Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 436 | 480 | 519 | 567 | 616 | 666 | 702 | 727 | 752 | 787 | 799 | 815 | 817 |
| Interest | 77 | 96 | 106 | 129 | 138 | 158 | 163 | 171 | 175 | 187 | 180 | 189 | 181 |
| Expenses + | 133 | 137 | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 | 236 | 255 | 277 |
| Financing Profit | 226 | 248 | 269 | 294 | 318 | 339 | 361 | 370 | 373 | 359 | 384 | 371 | 358 |
| Financing Margin % | 52% | 52% | 52% | 52% | 52% | 51% | 51% | 51% | 50% | 46% | 48% | 46% | 44% |
| Other Income + | 4 | 3 | 4 | 3 | 3 | 3 | 4 | 4 | 7 | 5 | 7 | 7 | 9 |
| Depreciation | 5 | 5 | 6 | 7 | 7 | 6 | 7 | 8 | 9 | 8 | 9 | 10 | 10 |
| Profit before tax | 224 | 246 | 267 | 290 | 313 | 336 | 358 | 365 | 371 | 355 | 382 | 369 | 357 |
| Tax % | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% | 25% |
| Net Profit + | 169 | 184 | 199 | 217 | 236 | 252 | 268 | 274 | 279 | 266 | 286 | 277 | 269 |
| EPS in Rs | 5.80 | 6.30 | 6.84 | 7.42 | 8.07 | 8.60 | 9.16 | 9.33 | 9.48 | 9.04 | 9.72 | 9.41 | 9.12 |
| Gross NPA % | 1.47% | 1.62% | 1.79% | 2.46% | 2.64% | 3.18% | |||||||
| Net NPA % | 0.71% | 0.81% | 1.25% | 1.46% | 1.94% |
Financials of Five-Star Business Finance Ltd
Annual income statement trend
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue + | 86 | 196 | 402 | 787 | 1,050 | 1,254 | 1,521 | 2,183 | 2,848 | 3,218 |
| Interest | 24 | 55 | 73 | 218 | 327 | 302 | 268 | 472 | 672 | 737 |
| Expenses + | 30 | 64 | 107 | 210 | 237 | 337 | 439 | 582 | 733 | 1,009 |
| Financing Profit | 31 | 78 | 221 | 359 | 486 | 614 | 814 | 1,128 | 1,443 | 1,472 |
| Financing Margin % | 37% | 40% | 55% | 46% | 46% | 49% | 54% | 52% | 51% | 46% |
| Other Income + | 0 | 1 | 1 | 1 | 1 | 2 | 8 | 12 | 18 | 28 |
| Depreciation | 1 | 3 | 4 | 10 | 11 | 12 | 17 | 25 | 30 | 37 |
| Profit before tax | 31 | 76 | 218 | 349 | 476 | 604 | 805 | 1,116 | 1,431 | 1,463 |
| Tax % | 37% | 28% | 28% | 25% | 25% | 25% | 25% | 25% | 25% | 25% |
| Net Profit + | 19 | 54 | 156 | 262 | 359 | 454 | 604 | 836 | 1,072 | 1,099 |
| EPS in Rs | 13.58 | 28.30 | 65.40 | 103.80 | 142.26 | 15.57 | 20.71 | 28.58 | 36.43 | 37.22 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 5% | 5% |
Financials of Five-Star Business Finance Ltd
Capital structure and asset base
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 14 | 19 | 24 | 26 | 26 | 29 | 29 | 29 | 29 | 30 |
| Reserves | 210 | 573 | 1,341 | 1,919 | 2,293 | 3,681 | 4,310 | 5,167 | 6,275 | 7,351 |
| Borrowing | 452 | 528 | 922 | 2,364 | 3,425 | 2,559 | 4,247 | 6,316 | 7,922 | 8,200 |
| Other Liabilities + | 14 | 14 | 31 | 45 | 50 | 74 | 116 | 177 | 194 | 209 |
| Total Liabilities | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 | 15,790 |
| Fixed Assets + | 5 | 0 | 10 | 28 | 25 | 33 | 45 | 64 | 86 | 88 |
| CWIP | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 62 | 72 |
| Investments | 15 | 15 | 15 | 0 | 0 | 248 | 145 | 108 | 212 | 227 |
| Other Assets + | 669 | 1,119 | 2,293 | 4,325 | 5,769 | 6,062 | 8,513 | 11,517 | 14,060 | 15,402 |
| Total Assets | 690 | 1,134 | 2,317 | 4,353 | 5,794 | 6,343 | 8,703 | 11,689 | 14,421 | 15,790 |
Financials of Five-Star Business Finance Ltd
Operating, investing and financing cash movement
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity + | -457 | -940 | -1,523 | -157 | -277 | -1,123 | -2,122 | -1,045 | -264 | |
| Cash from Investing Activity + | 10 | 14 | -132 | 102 | -384 | 162 | 210 | -585 | 228 | |
| Cash from Financing Activity + | 393 | 1,010 | 1,725 | 1,033 | 7 | 1,688 | 2,106 | 1,593 | 157 | |
| Net Cash Flow | -53 | 84 | 70 | 977 | -654 | 727 | 194 | -37 | 121 | |
| Free Cash Flow | -461 | -946 | -1,533 | -160 | -286 | -1,135 | -2,145 | -1,128 | -290 | |
| CFO/OP | -323% | -296% | -246% | -3% | -13% | -85% | -115% | -31% | 5% |
Financials of Five-Star Business Finance Ltd
Working capital efficiency and return ratios
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 9% | 13% | 16% | 16% | 17% | 15% | 15% | 18% | 19% | 16% |