Five-Star Bus.Fi

What does Five-Star Bus.Fi do?

Five-Star Business Finance Ltd is a large-cap Non-Banking Financial Company (NBFC) that provides financial services, with recent quarterly net sales of ₹752 Cr and net profit of ₹279 Cr as of March 2025. The company has a market cap of ₹21,495 Cr and key metrics include a P/E ratio of 19.00 and a debt-equity ratio of 1.26.

Overview:<BR>Five-Star Business Finance Ltd is a Non-Banking Financial Company (NBFC) operating in the large-cap market segment.<BR><BR>History:<BR>The company was incorporated in 1984 as Five-Star Business Credits Private Limited and later converted to a public limited company in 1988, changing its name to Five-Star Business Finance Limited in 2016. The most recent quarterly results reported net sales and net profit for March 2025.<BR><BR>Financial Snapshot:<BR>Net Sales: 752 Cr (Quarterly Results - Mar 2025) <BR>Net Profit: 279 Cr (Quarterly Results - Mar 2025) <BR>Market Cap: Rs 21,495 Cr (Large Cap)<BR><BR>Key Metrics:<BR>P/E: 19.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 1.26 <BR>Return on Equity: 17.01% <BR>Price to Book: 3.23 <BR><BR>Contact Details:<BR>No Company Details Available <BR>Registrar Address: Not available.

Who are in the management team of Five-Star Bus.Fi?

As of March 2022, the management team of Five-Star Bus.Fi includes Chairman & Managing Director Deenadayalan Lakshmipathy, along with six non-executive directors and four independent directors, ensuring a mix of oversight and governance.

As of March 2022, the management team of Five-Star Bus.Fi includes the following members:<BR><BR>1. **Deenadayalan Lakshmipathy** - Chairman & Managing Director<BR>2. **Thirulokchand Vasan** - Non-Executive & Non-Independent Director<BR>3. **Vikram Vaidyanathan** - Non-Executive & Non-Independent Director<BR>4. **Ganapathyagraharam Venkataraman Ravishankar** - Non-Executive & Non-Independent Director<BR>5. **R Anand** - Independent Director<BR>6. **Bhama Krishnamurthy** - Independent Director<BR>7. **T T Srinivasaraghavan** - Independent Director<BR>8. **Ramkumar Ramamoorthy** - Independent Director<BR><BR>This team comprises a mix of executive and non-executive directors, including independent directors who provide oversight and governance.

Has Five-Star Bus.Fi declared dividend?

No Dividend History Available

Who are the peers of the Five-Star Bus.Fi?

Five-Star Bus.Fi's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Manappuram Fin., IIFL Finance, Capri Global, SBFC Finance, and Bengal & Assam. In terms of returns, Five-Star Bus.Fi has a 1-year return of -8.69%, higher than Jio Financial's -20.20% but lower than all other peers.

Peers: The peers of Five-Star Bus.Fi are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, Manappuram Fin., IIFL Finance, Capri Global, SBFC Finance, and Bengal & Assam.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Muthoot Finance, Manappuram Fin., and Five-Star Bus.Fi, while Average management risk is found at Jio Financial, Capri Global, and SBFC Finance. Good management risk is noted at Shriram Finance and IIFL Finance, and Excellent growth is seen at Jio Financial, Five-Star Bus.Fi, and Capri Global, while Average growth is present at Muthoot Finance and IIFL Finance. Below Average growth is noted at Manappuram Fin., and Good capital structure is observed at Cholaman.Inv.&Fn, while Excellent capital structure is found at Bajaj Finance, Shriram Finance, Muthoot Finance, Manappuram Fin., Five-Star Bus.Fi, IIFL Finance, Capri Global, and SBFC Finance.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Manappuram Fin. at 37.03%, while the lowest is Jio Financial at -20.20%. Five-Star Bus.Fi's 1-year return is -8.69%, which is higher than Jio Financial's but lower than all other peers. Additionally, Jio Financial, Capri Global, and Bengal & Assam have negative six-month returns.

Who are the top shareholders of the Five-Star Bus.Fi?

The top shareholders of Five-Star Bus.Fi include Foreign Institutional Investors (FIIs) with 58.75%, D Lakshmipathy as the largest promoter with 10.45%, mutual funds holding 5.65%, and Sirius Ii Pte. Ltd. along with individual investors each holding 5.98%.

The top shareholders of Five-Star Bus.Fi include a mix of institutional and individual investors. The largest group of shareholders are Foreign Institutional Investors (FIIs), holding 58.75% of the shares. Among the promoters, D Lakshmipathy has the highest individual holding at 10.45%. Additionally, mutual funds collectively hold 5.65% through 17 different schemes. Sirius Ii Pte. Ltd. is the highest public shareholder with a stake of 5.98%, which is also the same percentage held by individual investors.

How big is Five-Star Bus.Fi?

As of 24th July, Five-Star Business Finance Ltd has a market capitalization of 21,603.00 Cr, with Net Sales of 2,847.84 Cr and a Net Profit of 1,072.49 Cr reported in the latest 4 quarters. Shareholder's Funds are 5,196.15 Cr and Total Assets amount to 11,616.05 Cr as of March 2024.

As of 24th July, Five-Star Business Finance Ltd has a market capitalization of 21,603.00 Cr, categorizing it as a Large Cap company.<BR><BR>In the latest 4 quarters, the company reported Net Sales of 2,847.84 Cr and a Net Profit of 1,072.49 Cr.<BR><BR>The latest annual period for the balance sheet is March 2024, with Shareholder's Funds amounting to 5,196.15 Cr and Total Assets totaling 11,616.05 Cr.

Is Five-Star Bus.Fi technically bullish or bearish?

As of October 24, 2025, Five-Star Bus.Fi's technical trend is mildly bearish, influenced by bearish MACD and moving averages, while showing some bullish momentum in the RSI and KST on the weekly chart.

As of 24 October 2025, the technical trend for Five-Star Bus.Fi has changed from bearish to mildly bearish. The current stance is mildly bearish, driven by a combination of indicators. The MACD is bearish on the weekly chart and mildly bearish on the monthly chart, while the RSI shows bullish momentum on the weekly but no signal on the monthly. Bollinger Bands indicate a mildly bearish trend on both weekly and monthly time frames. Daily moving averages are bearish, and Dow Theory reflects a mildly bearish stance on the weekly chart. Despite some bullish signals from the KST and OBV on the weekly, the overall technical picture remains weak.

How has been the historical performance of Five-Star Bus.Fi?

Five-Star Bus.Fi has shown significant growth in net sales and profitability, with net sales increasing from 1,049.74 Cr in Mar'21 to 2,847.84 Cr in Mar'25, and profit after tax rising from 358.99 Cr to 1,072.49 Cr during the same period. The company's earnings per share improved from 14.0 to 36.43, reflecting strong financial performance.

Answer:<BR>The historical performance of Five-Star Bus.Fi shows significant growth in net sales and profitability over the years.<BR><BR>Breakdown:<BR>Five-Star Bus.Fi has demonstrated a strong upward trend in net sales, increasing from 1,049.74 Cr in Mar'21 to 2,847.84 Cr in Mar'25. This growth is reflected in the total operating income, which rose from 1,049.74 Cr in Mar'21 to 2,847.84 Cr in Mar'25. The company's operating profit (PBDIT) also saw a substantial increase, reaching 1,460.97 Cr in Mar'25, up from 487.82 Cr in Mar'21. Profit before tax followed a similar trajectory, climbing to 1,430.59 Cr in Mar'25 from 476.44 Cr in Mar'21, while profit after tax reached 1,072.49 Cr in Mar'25, compared to 358.99 Cr in Mar'21. The earnings per share (EPS) improved significantly from 14.0 in Mar'21 to 36.43 in Mar'25. Additionally, the company's reserves grew from 2,292.53 Cr in Mar'21 to 6,275.16 Cr in Mar'25, indicating a solid financial foundation. Overall, Five-Star Bus.Fi's performance reflects robust growth in revenue and profitability metrics over the reported years.

Is Five-Star Bus.Fi overvalued or undervalued?

As of December 4, 2025, Five-Star Bus.Fi is considered very attractive and undervalued with a PE ratio of 15.66, significantly lower than peers like Bajaj Finance and Bajaj Finserv, despite a year-to-date return of -23.67% compared to the Sensex's 9.12%.

As of 4 December 2025, the valuation grade for Five-Star Bus.Fi has moved from attractive to very attractive, indicating a positive shift in its market assessment. The company is currently considered undervalued. Key ratios include a Price to Earnings (PE) ratio of 15.66, an EV to EBITDA of 10.67, and a Return on Equity (ROE) of 16.24%. <BR><BR>In comparison with peers, Five-Star Bus.Fi's PE ratio is significantly lower than that of Bajaj Finance, which stands at 34.9, and also lower than Bajaj Finserv at 33.78. Conversely, Life Insurance, which is rated very attractive, has a PE of 10.85, suggesting that Five-Star Bus.Fi is competitively positioned within its sector. Despite recent underperformance relative to the Sensex, with a year-to-date return of -23.67% compared to the Sensex's 9.12%, the company's fundamentals indicate it is a strong candidate for investment at its current valuation.

When is the next results date for Five-Star Business Finance Ltd?

The next results date for Five-Star Business Finance Ltd is 28 January 2026.

The next results date for Five-Star Business Finance Ltd is scheduled for 28 January 2026.

Are Five-Star Business Finance Ltd latest results good or bad?

The latest results for Five-Star Business Finance Ltd are concerning, showing an 8.60% growth in interest income but a decline in net profit and profit margins due to rising operational costs, indicating significant challenges in profitability.

The latest results for Five-Star Business Finance Ltd indicate a challenging quarter. While the company achieved an interest income of ₹816.95 crores, reflecting an 8.60% year-on-year growth, this was overshadowed by significant operational issues. The operating profit margin fell sharply to 66.04%, down from 72.83% in the same quarter last year, primarily due to an 18.20% increase in employee costs. <BR><BR>Net profit for the quarter decreased to ₹269.27 crores, marking a decline of 2.80% compared to the previous quarter and 3.56% year-on-year. The profit after tax (PAT) margin also contracted to 32.96%, down from 37.10% a year ago. <BR><BR>Overall, the results reflect a concerning trend of declining profitability despite revenue growth, raising questions about the sustainability of the company's business model in a competitive environment. The sharp deterioration in key profitability metrics suggests that the company is facing significant operational challenges, making the latest results more negative than positive.

Should I buy, sell or hold Five-Star Business Finance Ltd?

Why is Five-Star Business Finance Ltd falling/rising?

As of 06-May, Five-Star Business Finance Ltd's stock price is currently at 484.65, reflecting a recent increase, although it has underperformed its sector today and declined over the past week and year. Despite these challenges, strong long-term fundamentals and high institutional holdings indicate potential for future growth.

As of 06-May, Five-Star Business Finance Ltd's stock price is rising, currently at 484.65, reflecting an increase of 2.1 (0.44%). This upward movement can be attributed to a few key factors. Firstly, the stock has been gaining for the last three days, with a total return of 2.13% during this period. Additionally, the finance sector, in which the company operates, has seen a gain of 2.43%, indicating a positive trend in the broader market that may be benefiting the stock.<BR><BR>Despite the stock's recent rise, it is important to note that it has underperformed its sector today by 1.08%. The stock's performance over the past week shows a decline of 2.79%, and over the year, it has dropped by 27.93%. However, the long-term fundamentals remain strong, with an average Return on Equity (ROE) of 15.47% and healthy operating profit growth at an annual rate of 27.12%. These factors contribute to a very attractive valuation, suggesting that the stock is trading at a fair value compared to its peers.<BR><BR>Moreover, the stock's liquidity remains adequate, with a delivery volume of 10.02 lacs on 05 May, although this has decreased by 9.24% compared to the 5-day average. High institutional holdings at 66.05% also indicate confidence from larger investors, who typically have more resources to analyze the company's fundamentals. Overall, while the stock has faced challenges in the past year, its recent gains and strong long-term fundamentals suggest a rising trend.

Which are the latest news on Five-Star Bus.Fi?