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.

Are Five-Star Bus.Fi latest results good or bad?

Five-Star Business Finance's Q2 FY26 results are good, showing a net profit of ₹286.14 crores, a 7.44% quarter-on-quarter increase, and the highest quarterly profit in its history. Despite some margin compression, the company demonstrates strong fundamentals and effective capital utilization with a return on equity of 17.25%.

Five-Star Business Finance's latest results for Q2 FY26 can be considered good overall. The company reported a net profit of ₹286.14 crores, which reflects a 7.44% increase quarter-on-quarter and a 6.78% increase year-on-year. This marks the highest quarterly profit in the company's history, indicating strong operational performance.<BR><BR>Additionally, interest income reached ₹799.44 crores, up 1.62% from the previous quarter and 13.87% year-on-year, showcasing the company's ability to grow its loan book. The operating margin improved to 70.54%, which is a positive sign, although it has seen some compression compared to the previous year.<BR><BR>The return on equity stands at 17.25%, which is above the sector average, further highlighting the company's effective capital utilization. Despite some concerns regarding margin compression and the stock's recent underperformance compared to the broader market, the overall financial metrics suggest that Five-Star Business Finance is navigating its challenges well and maintaining a solid growth trajectory. <BR><BR>In summary, the results reflect a resilient performance, and while there are areas to monitor, particularly regarding margin sustainability, the company has demonstrated strong fundamentals.

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.

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

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

As of 17-Mar, Five-Star Business Finance Ltd's stock is at Rs 356.50, down -0.57%, and has significantly underperformed with a year-to-date decline of -34.81% and a one-year drop of -46.78%. Despite strong long-term fundamentals, recent poor performance and bearish trends have led to decreased investor participation and the stock trading below its moving averages.

As of 17-Mar, Five-Star Business Finance Ltd's stock price is falling, currently at Rs 356.50, reflecting a change of -2.05 (-0.57%). The stock has significantly underperformed in various time frames, with a 1-week decline of -8.18% and a 1-month drop of -20.10%. Year-to-date, the stock has decreased by -34.81%, and over the past year, it has plummeted by -46.78%, contrasting sharply with the Sensex, which has gained 2.56% in the same period.<BR><BR>Today's performance indicates that the stock is close to its 52-week low, just 3.65% away from Rs 343.5. It has also underperformed its sector by -1.37% today, with an intraday low of Rs 349.5, marking a decline of -2.52%. The trading activity shows a weighted average price closer to the low price, and there has been a notable decrease in investor participation, with delivery volume falling by -38.67% compared to the 5-day average.<BR><BR>Moreover, the stock is trading below its moving averages across various periods, indicating a bearish trend. Although the company has strong long-term fundamentals, such as a healthy growth rate in net sales and operating profit, these positive factors are overshadowed by its recent poor performance and flat results reported on December 25. The stock's long-term underperformance, particularly against the BSE500, further contributes to the downward pressure on its price.

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

As of 18-Mar, Five-Star Business Finance Ltd's stock price is rising at 375.45, up 5.79% today, driven by positive investor sentiment and strong fundamentals. However, it has a long-term decline of -44.10% over the past year and declining investor participation.

As of 18-Mar, Five-Star Business Finance Ltd is experiencing a rise in its stock price, currently at 375.45, which reflects an increase of 20.55 or 5.79%. This upward movement can be attributed to several factors. Firstly, the stock has outperformed its sector by 4.44% today, indicating a positive sentiment among investors. Additionally, the stock reached an intraday high of Rs 381.8, marking a significant rise of 7.58% during the trading day.<BR><BR>Despite the positive performance today, it is important to note that the stock has faced challenges in the longer term. Over the past year, it has generated a return of -44.10%, which is a substantial decline. However, the company shows strong long-term fundamental strength, with an average Return on Equity (ROE) of 16.02% and healthy growth in net sales and operating profit, both at an annual rate of approximately 30.74% and 30.59%, respectively. The stock is also trading at a discount compared to its peers, with a Price to Book Value of 1.6, suggesting it may be undervalued.<BR><BR>Moreover, high institutional holdings at 67.68% indicate that knowledgeable investors are backing the stock, which can provide additional confidence in its potential for recovery. However, the stock's performance has been below par in the long term, and there has been a notable decline in investor participation, with delivery volume falling by 41.06% against the 5-day average.<BR><BR>In summary, while Five-Star Business Finance Ltd is currently rising in price due to positive short-term performance and strong fundamentals, it faces significant challenges from its past performance and declining investor engagement.

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

As of 19-Mar, Five-Star Business Finance Ltd's stock price is declining at 355.45, down 5.75%, with significant underperformance over the past year at -48.51% compared to the benchmark index. Despite strong long-term fundamentals, the stock's consistent poor performance raises concerns.

As of 19-Mar, Five-Star Business Finance Ltd is experiencing a decline in its stock price, currently at 355.45, which reflects a change of -21.7 or -5.75%. This downward movement is evident in the stock's performance over various time periods, with a 1-week decline of -3.87%, a 1-month drop of -19.85%, and a year-to-date decrease of -35.00%. Over the past year, the stock has significantly underperformed, showing a return of -48.51% compared to a mere -1.65% decline in the benchmark index, Sensex.<BR><BR>The stock is also close to its 52-week low, being only 3.51% away from Rs 343.5. Today's trading performance indicates that it has underperformed its sector by -1.77%, with an intraday low of Rs 353.9, marking a decrease of -6.16%. Additionally, the stock is trading below its moving averages across all time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, which typically signals a bearish trend.<BR><BR>Despite some positive factors such as strong long-term fundamentals, including an average Return on Equity (ROE) of 16.02% and healthy growth in net sales and operating profit, the stock's consistent underperformance against benchmarks over the last three years raises concerns. The flat results reported on December 25 further contribute to the negative sentiment surrounding the stock. Overall, these factors collectively explain the current decline in the stock price of Five-Star Business Finance Ltd.

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

As of 20-Mar, Five-Star Business Finance Ltd's stock price is Rs 351.50, down 1.11%, and has declined 51.02% over the past year, significantly underperforming the Sensex. The stock is near its 52-week low and shows a bearish trend, raising concerns despite strong long-term fundamentals.

As of 20-Mar, Five-Star Business Finance Ltd is experiencing a decline in its stock price, currently at Rs 351.50, which reflects a change of -3.95 (-1.11%). The stock has been underperforming significantly, with a 1-month decline of -19.94% compared to a -10.00% drop in the benchmark Sensex. Over the past year, the stock has fallen by -51.02%, while the Sensex has only decreased by -2.38%. <BR><BR>The stock is currently close to its 52-week low, just 2.28% away from Rs 343.5, and has been on a consecutive downward trend for the last two days, accumulating a total decline of -6.8% during this period. Additionally, Five-Star Business Finance Ltd is trading below its moving averages across various time frames, indicating a bearish trend. <BR><BR>Despite some positive factors, such as strong long-term fundamentals and high institutional holdings at 67.68%, the stock's consistent underperformance against benchmarks over the last three years raises concerns. The flat results reported on December 25 further contribute to the negative sentiment surrounding the stock. Overall, the combination of significant price declines, underperformance relative to the market, and recent trading patterns suggests that the stock is currently falling.

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

As of 23-Mar, Five-Star Business Finance Ltd's stock price is at 348.25, reflecting a decline of 2.65 (-0.76%) and hitting a new 52-week low of Rs. 338.05. The stock has significantly underperformed the benchmark Sensex, with a year-to-date decline of 36.32% and a negative investor sentiment exacerbated by a 54.87% drop in delivery volume.

As of 23-Mar, Five-Star Business Finance Ltd's stock price is falling, currently at 348.25, which reflects a decrease of 2.65 (-0.76%). The stock has been on a downward trend, having lost 7.66% over the last three days and is trading lower than its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages. Additionally, the stock hit a new 52-week low of Rs. 338.05 today, indicating significant selling pressure.<BR><BR>In terms of performance, the stock has underperformed the benchmark Sensex, with a year-to-date decline of 36.32% compared to the Sensex's 14.70% drop. Over the past year, the stock has generated a return of -52.07%, which is substantially worse than the -5.47% return of the benchmark. This consistent underperformance over the last three years has contributed to negative investor sentiment.<BR><BR>Moreover, there has been a notable decline in investor participation, with delivery volume dropping by 54.87% against the 5-day average. This suggests reduced interest from investors, further exacerbating the stock's decline. The finance sector as a whole has also experienced a downturn, with a 3.9% drop, which may be influencing the stock's performance.<BR><BR>Despite some positive long-term fundamentals, such as a strong return on equity and healthy growth in net sales and operating profit, the immediate market conditions and the stock's recent performance indicate a bearish trend.

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

As of 24-Mar, Five-Star Business Finance Ltd's stock price is rising to 363.40, up 4.35%. This increase follows a trend reversal after three days of decline and reflects strong long-term fundamentals, despite a significant underperformance over the past year.

As of 24-Mar, Five-Star Business Finance Ltd's stock price is rising, currently at 363.40, reflecting a change of 15.15 (4.35%) upward. This increase can be attributed to several factors. Firstly, the stock has outperformed its sector by 2.03% today, indicating a positive trend in comparison to other companies in the Finance/NBFC sector, which has gained by 2.38%. Additionally, the stock has experienced a trend reversal, gaining after three consecutive days of decline, which may have encouraged investor confidence.<BR><BR>The stock reached an intraday high of Rs 373.2, marking a significant increase of 7.16% during the trading day. Despite a decline in delivery volume by 26.09% compared to the five-day average, the stock remains liquid enough for trading, with a value of Rs 1.36 crore based on 2% of the five-day average traded value.<BR><BR>Moreover, the company demonstrates strong long-term fundamental strength, with an average Return on Equity (ROE) of 16.02% and healthy growth rates in net sales and operating profit, both around 30.74% and 30.59% respectively. The stock is also trading at a discount compared to its peers' average historical valuations, which may attract investors looking for value opportunities.<BR><BR>However, it is important to note that the stock has faced significant underperformance over the past year, generating a return of -49.63%, and has consistently underperformed against the benchmark over the last three years. Despite this, the recent positive movements in price and sector performance suggest a potential recovery or renewed interest from investors.

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

As of 25-Mar, Five-Star Business Finance Ltd's stock price is rising to 381.95, reflecting a 4.82% increase. This rise is due to recent performance improvements and strong fundamentals, despite a significant decline in the stock's value over the past year.

As of 25-Mar, Five-Star Business Finance Ltd's stock price is rising, currently at 381.95, reflecting a change of 17.55 (4.82%) upward. This increase can be attributed to several factors. Firstly, the stock has outperformed its sector by 1.9% today and has experienced consecutive gains over the last two days, resulting in a total return of 9.68% during this period. Additionally, the stock reached an intraday high of Rs 398.8, indicating strong trading activity.<BR><BR>Despite a broader context of underperformance over the past year, where the stock has generated a return of -45.64%, it has shown healthy long-term growth with net sales increasing at an annual rate of 30.74% and operating profit at 30.59%. The company also boasts a strong long-term fundamental strength, with an average return on equity (ROE) of 16.02% and a favorable valuation with a price-to-book ratio of 1.7, suggesting it is trading at a discount compared to its peers.<BR><BR>Moreover, high institutional holdings at 67.68% indicate confidence from larger investors, who typically have more resources to analyze company fundamentals. However, it is important to note that there has been a decline in investor participation, with delivery volume falling by 18.76% against the five-day average, which could pose a concern for future price movements. Overall, the current rise in stock price appears to be driven by recent performance improvements and strong fundamentals, despite the challenges faced over the longer term.

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