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Five-Star Business Finance Q2 FY27 Share Price & Earnings Call Analysis

₹418.85+1.24% today
Market cap
₹12,364 Cr
P/E
11.21
ROE
16.06%
PEG
0.50
Price to sales
3.80
Debt to equity
1.11
52W high / low
₹660 / ₹347
Sales growth (5Y)
25.11%
EBITDA margin
67.36%
Net profit margin
34.14%
Promoter holding
18.61%
Sales (last year)
₹3,260 Cr

Incorporated in 1984, Five Star Business Finance Limited is an NBFC-ND-SI providing secured business loans to micro-entrepreneurs and self-employed individuals across South India.[1]

Guidance scorecard · Q2 FY27 call

What Five-Star Bus.Fi's management guided
and where it ranks in Finance

#20of 59 in
Finance
Revenue20–40%MarginsFlatCapexWhat management saidFundraisingPlannedOrder bookWhat management said

RevenueQ1 FY27 call

20–40%
  • Five-Star targets a loan book (AUM) growth of 20% for fiscal year 2027, with confidence to comfortably achieve this through sustained disbursement levels.
  • Monthly disbursement normal is expected around INR 600-670 crores, indicating steady volume growth.
  • Addition of new products is expected to drive growth beyond the current 20% guidance, potentially meaning higher medium-term AUM growth.
  • Increasing disbursement and AUM per employee trends indicate improving productivity and scale.
  • Branch expansion continued with 12 new branches in Q1 and a total of 856 branches, supporting growth initiatives.
  • Focus on both organic growth in core product and planned introduction of 2-3 new products to diversify and boost revenues.

2 more points from Five-Star Bus.Fi's call on revenue

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Full Q1 FY27 analysis

MarginsQ1 FY27 call

Flat

See what Five-Star Bus.Fi said on margins — free account, 30 seconds.

Full Q1 FY27 analysis

CapexQ1 FY27 call

  • Five Star Business Finance Limited is planning to introduce 2-3 new products as part of its multi-product strategy.
  • The company aims to launch at least one new product within the next 3 to 6 months.
  • The focus is on diversifying beyond the current single product to mitigate risks highlighted during past crises.
  • Branch expansion is expected to continue at a steady rate of about 50-60 branches per year.

2 more points from Five-Star Bus.Fi's call on capex

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Full Q1 FY27 analysis

FundraisingQ1 FY27 call

Planned

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Full Q1 FY27 analysis

Order bookQ1 FY27 call

  • Disbursement trends and targets (e.g., June disbursement of INR 670 crores, targeting INR 6,500-6,800 crores annually)
  • Loan growth guidance of 20% for the year
  • Active loan customers crossing 500,000 as of June 30, 2026
  • Branch expansion (856 branches as of June, adding 12 in the quarter)

2 more points from Five-Star Bus.Fi's call on the order book

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Full Q1 FY27 analysis
Full Finance ranking

Ranges are what management guided for revenue growth and margins on the latest earnings call. Not investment advice, and not a forecast of returns.

Potential multibaggers · Q2 FY27

Potential multibaggers in Finance
on management's own guidance

  1. Strong growth
    2
  2. Strong growth
    1
  3. Strong growth
    3
See all potential multibaggersWhere does Five-Star Bus.Fi rank?

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Ranks describe management commentary on revenue and margin from the latest earnings call. Not investment advice.

Peers

Finance companies ranked on guidance

#CompanyRevenue guidedMargin guidedMarket capP/E
140%+Up 2%+₹2,742 Cr71.8
240%+Up 2%+₹464 Cr23.9
340%+Up 0–2%₹961 Cr32.7
440%+Flat₹23,820 Cr21.1
540%+Flat₹16,498 Cr72.4
640%+Flat₹15,549 Cr—

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Pro shows every company guiding 40%+ revenue growth →Full Finance ranking

Financials of Five-Star Bus.Fi

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Shareholder Pattern

Five-Star Bus.Fi

Shareholding breakup across reporting periods.

Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Promoters +26.54%26.51%26.51%21.59%21.55%21.47%21.47%18.57%18.56%18.61%18.61%18.61%
FIIs +54.28%56.06%57.45%56.70%57.76%58.75%58.13%55.80%52.95%48.48%43.97%43.54%
DIIs +7.82%6.97%6.07%8.99%10.10%9.09%9.48%12.16%14.74%17.58%22.35%23.54%
Public +11.36%10.44%9.96%12.71%10.60%10.69%10.93%13.46%13.77%15.34%15.07%14.33%
No. of Shareholders51,90650,44248,89758,90271,22976,89969,03994,10891,56197,1281,02,27098,866

Financials of Five-Star Bus.Fi

Quarterly Results

Quarter-by-quarter operating performance

Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
Revenue +519567616666702727752787799815817829858
Interest106129138158163171175187180189181172168
Expenses +144145161169178186204241236255277296323
Financing Profit269294318339361370373359384371358361368
Financing Margin %52%52%52%51%51%51%50%46%48%46%44%44%43%
Other Income +433344757791017
Depreciation6776789891010910
Profit before tax267290313336358365371355382369357362375
Tax %25%25%25%25%25%25%25%25%25%25%25%25%20%
Net Profit +199217236252268274279266286277269271299
EPS in Rs6.847.428.078.609.169.339.489.049.729.419.129.1910.14
Gross NPA %1.47%1.62%1.79%2.46%2.64%3.18%3.37%3.46%3.48%
Net NPA %0.71%0.81%0.88%1.25%1.46%1.94%2.00%2.10%2.14%

Financials of Five-Star Bus.Fi

Profit & Loss

Annual income statement trend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue +861964027871,0501,2541,5212,1832,8483,2183,319
Interest245573218327302268472672742709
Expenses +30641072102373374395827331,0041,152
Financing Profit31782213594866148141,1281,4431,4721,459
Financing Margin %37%40%55%46%46%49%54%52%51%46%44%
Other Income +011112812182843
Depreciation1341011121725303739
Profit before tax31762183494766048051,1161,4311,4631,463
Tax %37%28%28%25%25%25%25%25%25%25%
Net Profit +19541562623594546048361,0721,0991,117
EPS in Rs1.362.836.5410.3814.2215.5720.7128.5836.4337.2237.86
Dividend Payout %0%0%0%0%0%0%0%0%5%5%

Financials of Five-Star Bus.Fi

Balance Sheet

Capital structure and asset base

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026Sep 2026
Equity Capital1419242626292929293030
Reserves2105731,3411,9192,2933,6814,3105,1676,2757,3517,874
Borrowing4525289222,3643,4252,5594,2476,3167,9228,2007,968
Other Liabilities +141431455074116177194209307
Total Liabilities6901,1342,3174,3535,7946,3438,70311,68914,42115,79016,178
Fixed Assets +50102825334564868889
CWIP20000000627272
Investments15151500248145108212227235
Other Assets +6691,1192,2934,3255,7696,0628,51311,51714,06015,40215,782
Total Assets6901,1342,3174,3535,7946,3438,70311,68914,42115,79016,178

Financials of Five-Star Bus.Fi

Cash Flows

Operating, investing and financing cash movement

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-457-940-1,523-157-277-1,123-2,122-1,045-264
Cash from Investing Activity +1014-132102-384162210-586228
Cash from Financing Activity +3931,0101,7251,03371,6882,1061,593157
Net Cash Flow-538470977-654727194-38121
Free Cash Flow-461-946-1,533-160-286-1,135-2,145-1,128-290

Financials of Five-Star Bus.Fi

Ratios

Working capital efficiency and return ratios

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9%13%16%16%17%15%15%18%19%16%

Guidance history

How Five-Star Bus.Fi's guidance has moved, call by call

CallRevenueMarginsCapexFundraisingOrder book
Q1 FY27 call →20–40%Flat—Planned—
Q4 FY26 call →20–40%FlatPlanned——
Q3 FY26 call →10–20%FlatPlannedPlanned—
Q2 FY26 call →20–40%FlatPlanned——

What management guided on each call, newest first. Not investment advice, and not a forecast of returns.

12out of 100

Momentum score · price trend

12 out of 100 — Cooling

Over the past year its share price has done worse than most of the stocks we track.

PeriodShare price changeBetter than … of 1,910 stocks
Last 12 months−30.8%22%
Last 6 months−12.7%33%
Last 3 months−24.3%8%

The price is 52.9% below its all-time high of ₹889.5 (18 Oct 2024). Stocks more than 20% below their peak have their score halved, so 24 became 12.

How we calculate it

“Better than 30%” means that over that period the share price did better than 30 out of every 100 stocks we track (1,910 Indian companies worth ₹500 Cr or more, with at least a year of prices).

The score weighs the longer periods more: 40% × 12-month + 40% × 6-month + 20% × 3-month. For Five-Star Bus.Fi: 0.4 × 22 + 0.4 × 33 + 0.2 × 8 = 24, halved to 12 because the price is more than 20% below its all-time high.

Strengthening is 70 and above, Steady 40 to 70, Cooling below 40. Scores are recalculated every night after the market closes.

Full methodology →

This describes only how the share price has moved up to 29 Oct 2026, compared with other stocks. It says nothing about the business, and it is not a prediction, a price target or a recommendation to buy or sell.

Continue your research

What Five-Star Bus.Fi's management said in earlier quarters

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