Five-Star Bus.Fi

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

As of 27-Jul, Five-Star Business Finance Ltd's stock price has risen to 540.50, reflecting a 1.0% increase due to strong investor interest and significant trading activity. The stock's positive performance is supported by solid long-term fundamentals and high institutional holdings, despite some recent underperformance against benchmarks.

As of 27-Jul, Five-Star Business Finance Ltd is experiencing a rise in its stock price, currently at 540.50, with a change of 5.35 (1.0%) upwards. This increase can be attributed to several factors. Firstly, the stock has shown a positive performance over the last two days, gaining 1.1% during this period. Additionally, it opened with a significant gain of 2.47% today and reached an intraday high of Rs 557, reflecting strong investor interest.<BR><BR>Moreover, there has been a notable increase in investor participation, with delivery volume on 24 July rising by 460.53% compared to the 5-day average, indicating heightened trading activity and interest in the stock. The stock is also trading above its 20-day, 50-day, 100-day, and 200-day moving averages, which is generally a positive technical indicator.<BR><BR>Despite some negative factors, such as underperformance against the benchmark over the last three years and flat results in the most recent quarter, the company's strong long-term fundamentals, including an average Return on Equity (ROE) of 15.47% and healthy operating profit growth, contribute to a fair valuation and support the stock's current upward movement. High institutional holdings at 66.32% further suggest confidence among larger investors in the company's potential.

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

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

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

Five-Star Business Finance Ltd's latest results show mixed performance, with a slight net profit increase of 0.79% quarter-on-quarter but a year-on-year growth deceleration to 1.91%. While the company maintains a strong return on equity, declining operating margins and modest revenue growth suggest challenges ahead, warranting caution from investors.

Five-Star Business Finance Ltd's latest results present a mixed picture. In Q1 FY27, the company reported a net profit of ₹271.41 crore, which reflects a slight increase of 0.79% compared to the previous quarter. This indicates some stability in profitability. However, year-on-year growth in net profit has decelerated to just 1.91%, which raises concerns about the sustainability of growth.<BR><BR>The operating margin has also come under pressure, declining to 64.29%, the lowest in seven quarters, primarily due to a significant increase in employee costs. This margin compression, alongside a modest revenue growth of 5.38% year-on-year, suggests that while the company is still generating revenue, it is facing challenges in maintaining profitability levels.<BR><BR>Overall, while there are positive aspects such as a strong return on equity of 14.89% and a commendable interest income growth, the deceleration in growth rates and margin erosion indicate that the company is navigating a challenging environment. Investors may need to exercise caution and closely monitor future performance to assess whether these trends will continue.

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

The next results date for Five-Star Business Finance Ltd is July 25, 2026.

The next results date for Five-Star Business Finance Ltd is scheduled for July 25, 2026.

What does Five-Star Bus.Fi do?

Five-Star Business Finance Ltd is a Non-Banking Financial Company (NBFC) focused on the small-cap market, with recent net sales of 817 Cr and net profit of 269 Cr as of March 2026. The company, originally founded in 1984, has a market cap of INR 12,607 Cr and key metrics including a P/E of 12.00 and a dividend yield of 0.46%.

Overview: <BR>Five-Star Business Finance Ltd operates as a Non-Banking Financial Company (NBFC) in the small-cap market segment.<BR><BR>History: <BR>The company was incorporated in 1984 under the name 'Five-Star Business Credits Private Limited' in Chennai, Tamil Nadu. It transitioned from a Private Limited to a Public Limited company in 1988, changing its name to 'Five-Star Business Credits Limited'. The name was further changed to 'Five-Star Business Finance Limited' in 2016. The latest quarterly results reported net sales and net profit for March 2026.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 817 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: 269 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 12,607 Cr (Small Cap)<BR><BR>Key Metrics: <BR>P/E: 12.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.46% <BR>Debt-Equity: 1.11 <BR>Return on Equity: 14.89% <BR>Price-to-Book: 1.73 <BR><BR>Contact Details: <BR>No Company Details Available <BR>Registrar Address: Not available.

How big is Five-Star Bus.Fi?

As of 10th June, Five-Star Business Finance Ltd has a market capitalization of 12,607.00 Cr, with recent Net Sales of 3,218.14 Cr and a Net Profit of 1,098.75 Cr.

As of 10th June, Five-Star Business Finance Ltd has a market capitalization of 12,607.00 Cr, categorizing it as a Small Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 3,218.14 Cr and a Net Profit of 1,098.75 Cr.<BR><BR>The latest annual period for the balance sheet is March 2017, with Shareholder's Funds amounting to 225.05 Cr and Total Assets of 691.61 Cr.

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

The management team of Five-Star Bus.Fi includes Deenadayalan Lakshmipathy (Chairman & Managing Director), Thirulokchand Vasan, Vikram Vaidyanathan, and Ganapathyagraharam Venkataraman Ravishankar (all Non-Executive & Non-Independent Directors), along with independent directors R Anand, Bhama Krishnamurthy, T T Srinivasaraghavan, and Ramkumar Ramamoorthy. This diverse team combines executive leadership with independent oversight.

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 brings a mix of executive and independent perspectives to the company's governance.

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

Five-Star Bus.Fi's peers include Tata Inv.Corpn., Manappuram Fin., Chola Financial, IIFL Finance, Capri Global, SBFC Finance, Religare Enterp., Bengal & Assam, and Dhenu Buildcon. In terms of performance, Five-Star Bus.Fi has the lowest 1-year return at -47.41%, while Manappuram Fin. leads with 6.60%.

Peers: The peers of Five-Star Bus.Fi are Tata Inv.Corpn., Manappuram Fin., Chola Financial, IIFL Finance, Capri Global, SBFC Finance, Religare Enterp., Bengal & Assam, and Dhenu Buildcon.<BR><BR>Quality Snapshot: Excellent management risk is observed at Five-Star Bus.Fi, Tata Inv.Corpn., IIFL Finance, and SBFC Finance, while Good management risk is found at Manappuram Fin. and Capri Global. Average management risk is noted for Chola Financial, Religare Enterp., and Bengal & Assam, and Dhenu Buildcon does not qualify. Growth is Excellent for Chola Financial, Capri Global, and SBFC Finance, while Good growth is seen at Five-Star Bus.Fi and IIFL Finance. Below Average growth is present at Manappuram Fin., Religare Enterp., and Bengal & Assam, and Dhenu Buildcon does not qualify. Capital Structure is Excellent for Tata Inv.Corpn., Manappuram Fin., IIFL Finance, Capri Global, Five-Star Bus.Fi, SBFC Finance, and Religare Enterp., while Below Average is noted for Chola Financial, and the rest have Excellent capital structures.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Manappuram Fin. at 6.60%, while the lowest is Five-Star Bus.Fi at -47.41%. Five-Star Bus.Fi's 1-year return is significantly lower than all its peers. Additionally, the peers with negative six-month returns include Five-Star Bus.Fi, Chola Financial, IIFL Finance, SBFC Finance, and Bengal & Assam.

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.

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 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.

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.

Has Five-Star Bus.Fi declared dividend?

No Dividend History Available