NSE: FIVESTAR · BSE: 543663 · ISIN INE128S01021
Five-Star Business Finance Limited stock analysis
Five-Star Business Finance Limited ranks #2722 in the TickerSutra evidence-ranked universe with a score of 45/100 and 95% data confidence. The latest captured fundamentals show ROCE of 14.8%, quarterly sales growth of 5.4% and quarterly profit growth of 1.9%.Avoid / exit review
INVESTMENT EVIDENCE
What supports—and challenges—the thesis
Evidence in favour
- 28.4% three-year sales CAGR
- CWIP indicates an active capacity pipeline
- No promoter shares are reported as pledged
Risks and constraints
- Debt/equity is above 0.5×
- CFO/EBITDA is below 0.6×
- Promoter holding is below 25%
- Operating margin has compressed materially
Still unresolved: Related-party exposure · Broad media sentiment
FINANCIAL TRAJECTORY
Recent operating history
| Period | Revenue | Operating profit | Net profit | Operating margin |
|---|---|---|---|---|
| 2022 | ₹1,254cr | ₹614cr | ₹454cr | 49.0% |
| 2023 | ₹1,521cr | ₹814cr | ₹604cr | 54.0% |
| 2024 | ₹2,183cr | ₹1,128cr | ₹836cr | 52.0% |
| 2025 | ₹2,848cr | ₹1,443cr | ₹1,072cr | 51.0% |
| 2026 | ₹3,218cr | ₹1,472cr | ₹1,099cr | 46.0% |
| TTM | ₹3,260cr | ₹1,475cr | ₹1,104cr | 45.0% |
EXCHANGE EVENT TRIGGERS
Latest corporate disclosures
Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015
RoutineTrading WindowBSE · 28 Sept 2026Five-Star Business Finance Limited has informed the Exchange regarding the Trading Window closure pursuant to SEBI (Prohibition of Insider Trading) Regulations, 2015
RoutineFive-Star Business Finance Ltd - 543663 - Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationBSE · 23 Sept 2026Intimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015
RoutineAnalyst/Investor Meet Para A-XBRLNSE · 22 Sept 2026 · Structured filingFIVE-STAR BUSINESS FINANCE LIMITED has informed the Exchange about Schedule of Analysts or Institutional Investors Meet
FIVE-STAR BUSINESS FINANCE LIMITED has informed the Exchange about Schedule of Analysts or Institutional Investors Meet
Open original XBRL sourceIntimation of Schedule of Investor/Analyst meetings under the SEBI (Listing Obligations and Disclosure Requirements), Regulations 2015
MANAGEMENT COMMENTARY
Signals from filed documents
So from this perspective, there has been no cultural shift. There has been no incentive changes, and we are very confident of achieving the traction in disbursements. While we did about INR1,500 crores in the first quarter, even assuming the same run rate for the next 3 quarters and adding a 10% on top of it because the next few quarters, obviously, the numbers will be higher.
You're right, in October 2024, we dropped 200 bps at one go. That was not from a regulator perspective. It's because our borrowing cost was 11% plus.
So to that extent, we are not guiding the market for any strong operating leverage to kick in. Whatever operating leverage kicks in will possibly be taken up by the increased expenses that we'll have to incur. So the opex for this year will largely stay flat as compared to last year.
• The Company has passed a special resolution for private placement of Non-Convertible Debentures under Sections 42 and 71 of the Act at the Annual General Meeting held on September 9, 2025 up to a sum of Rs. • The Company has received approval from National Stock Exchange of India Limited and BSE Limited (Stock Exchanges) on August 21, 2025 for reclassification of Matrix Partners India Investment Holdings II, LLC al
Your Company has taken a number of initiatives, including the following: • Intelligent Document Processing through GenAI-driven extraction to automate data capture and improve data quality and accuracy. • GenAI-enabled bots have been deployed in local languages for automated collections • Your Company is also working with specialized product platforms to convert voice conversations with customers and field staff, in
So I was just trying to understand if you could break down what is it -- what are the key drivers of this acceleration? Basically, how much is coming from stronger demand versus, let's say, higher approval rates, branch productivity or any geographic expansion that is planned? Srikanth Gopalakrishnan: Abhijit, the first point to keep in mind is there is no dearth of demand in this segment which is something that we h
The Company also conducts one on one call and Meeting with investors. Presentations to institutional investors/ analysts: Detailed presentations are made to institutional investors and financial analysts on the Company’s quarterly, half-yearly as well as annual financial results and sent to the Stock Exchanges. These presentations, video recordings and transcript of Meetings are available on the website of the Compan
HOW TO READ THIS PAGE
Evidence, freshness and limitations
What does the TickerSutra score mean?
The score ranks captured evidence across financial quality, growth, moat and margins, regulatory catalysts, governance, institutional trend and valuation comfort. It is a research-prioritization tool—not a buy recommendation or price target.
Which sources support this page?
Financial history, ownership and pledge data, NSE and BSE filings, annual reports and available earnings-call transcripts are combined here. Use the source trail and original exchange document before relying on a decision-critical fact.
Why can an item be unresolved?
Unresolved means the current captured source window did not provide enough evidence for that check. It does not establish that a risk or relationship is absent.
Maintained by TickerSutra Research · Snapshot updated 29 Sept 2026 · Read the methodology · Read the disclaimer
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