Five-Star Bus.Fi

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

As of 11-Jun, Five-Star Business Finance Ltd's stock price is at 423.95, down 1.52% and has been declining for two consecutive days. The stock has a year-to-date drop of 22.47% and a 47.04% decrease over the past year, indicating a bearish trend despite some long-term strengths.

As of 11-Jun, Five-Star Business Finance Ltd's stock price is falling, currently at 423.95, reflecting a decrease of 6.55 (-1.52%). The stock has been on a downward trend, having lost value for the last two consecutive days, with a total decline of 0.3% during this period. Over the past week, the stock has underperformed the benchmark Sensex, with a decline of 2.26% compared to the Sensex's 0.71% drop. <BR><BR>In terms of longer-term performance, the stock has seen significant declines, with a year-to-date drop of 22.47% and a staggering 47.04% decrease over the past year. This poor performance is compounded by the fact that the stock is trading below its moving averages across various time frames, indicating a bearish trend. Additionally, investor participation has decreased sharply, with delivery volume falling by 65.58% compared to the five-day average, suggesting reduced interest from investors.<BR><BR>Despite these negative indicators, the company does exhibit some strengths, such as a strong long-term fundamental outlook with an average Return on Equity (ROE) of 15.47% and healthy operating profit growth. However, these positive factors have not been sufficient to counteract the current downward pressure on the stock price.

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.

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

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.

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?

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.

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