About
Five-Star Business Finance Limited operates as a non-banking financial company in India. The company offers business and other loans to small business owners and self-employed individuals, as well as for other purposes such as business expansion, home renovation/improvement and other mortgage purposes, including marriage, education, emergency. It also provides mortgage loans. Five-Star Business Finance Limited was incorporated in 1984 and is headquartered in Chennai, India.
Key Metrics
as of Sep 2026Market Cap15,440 Cr
P/E98.60
Div Yield0.38 %
Book Value—
52w High₹666.00
52w Low₹338.00
Face Value₹1.00
Quarterly Results
Rs. Crores · hover row for definition| Metric | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 296.00 | 277.00 | 255.00 | 236.00 | 241.00 | 204.00 | 186.00 | 178.00 | 169.00 | 161.00 | 145.00 | 144.00 | 137.00 |
| Other Income | 10.00 | 9.00 | 7.00 | 7.00 | 5.00 | 7.00 | 4.00 | 4.00 | 3.00 | 3.00 | 3.00 | 4.00 | 3.00 |
| Depreciation | 9.00 | 10.00 | 10.00 | 9.00 | 8.00 | 9.00 | 8.00 | 7.00 | 6.00 | 7.00 | 7.00 | 6.00 | 5.00 |
| Interest | 172.00 | 181.00 | 189.00 | 180.00 | 187.00 | 175.00 | 171.00 | 163.00 | 158.00 | 138.00 | 129.00 | 106.00 | 96.00 |
| Profit before tax | 362.00 | 357.00 | 369.00 | 382.00 | 355.00 | 371.00 | 365.00 | 358.00 | 336.00 | 313.00 | 290.00 | 267.00 | 246.00 |
| Tax % | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 |
| Net Profit | 271.00 | 269.00 | 277.00 | 286.00 | 266.00 | 279.00 | 274.00 | 268.00 | 252.00 | 236.00 | 217.00 | 199.00 | 184.00 |
| EPS in Rs | 9.19 | 9.12 | 9.41 | 9.72 | 9.04 | 9.48 | 9.33 | 9.16 | 8.60 | 8.07 | 7.42 | 6.84 | 6.30 |
Profit & Loss
Annual · Rs. Crores| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Expenses | 1,004.00 | 733.00 | 582.00 | 439.00 | 337.00 | 237.00 | 210.00 | 107.00 | 64.00 | 30.00 |
| Other Income | 28.00 | 18.00 | 12.00 | 8.00 | 2.00 | 1.00 | 1.00 | 1.00 | 1.00 | 0.00 |
| Interest | 742.00 | 672.00 | 472.00 | 268.00 | 302.00 | 327.00 | 218.00 | 73.00 | 55.00 | 24.00 |
| Depreciation | 37.00 | 30.00 | 25.00 | 17.00 | 12.00 | 11.00 | 10.00 | 4.00 | 3.00 | 1.00 |
| Profit before tax | 1,463.00 | 1,431.00 | 1,116.00 | 805.00 | 604.00 | 476.00 | 349.00 | 218.00 | 76.00 | 31.00 |
| Tax % | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 25.00 | 28.00 | 28.00 | 37.00 |
| Net Profit | 1,099.00 | 1,072.00 | 836.00 | 604.00 | 454.00 | 359.00 | 262.00 | 156.00 | 54.00 | 19.00 |
| EPS in Rs | 37.22 | 36.43 | 28.58 | 20.71 | 15.57 | 142.26 | 103.80 | 65.40 | 28.30 | 13.58 |
| Dividend Payout % | 0.00 | 5.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Balance Sheet
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 30.00 | 29.00 | 29.00 | 29.00 | 29.00 | 26.00 | 26.00 | 24.00 | 19.00 | 14.00 |
| Reserves | 7,351.00 | 6,275.00 | 5,167.00 | 4,310.00 | 3,681.00 | 2,293.00 | 1,919.00 | 1,341.00 | 573.00 | 210.00 |
| Other Liabilities | 209.00 | 194.00 | 177.00 | 116.00 | 74.00 | 50.00 | 45.00 | 31.00 | 14.00 | 14.00 |
| Total Liabilities | 15,790.00 | 14,421.00 | 11,689.00 | 8,703.00 | 6,343.00 | 5,794.00 | 4,353.00 | 2,317.00 | 1,134.00 | 690.00 |
| Fixed Assets | 88.00 | 86.00 | 64.00 | 45.00 | 33.00 | 25.00 | 28.00 | 10.00 | 0.00 | 5.00 |
| CWIP | 72.00 | 62.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 2.00 |
| Investments | 227.00 | 212.00 | 108.00 | 145.00 | 248.00 | 0.00 | 0.00 | 15.00 | 15.00 | 15.00 |
| Other Assets | 15,402.00 | 14,060.00 | 11,517.00 | 8,513.00 | 6,062.00 | 5,769.00 | 4,325.00 | 2,293.00 | 1,119.00 | 669.00 |
| Total Assets | 15,790.00 | 14,421.00 | 11,689.00 | 8,703.00 | 6,343.00 | 5,794.00 | 4,353.00 | 2,317.00 | 1,134.00 | 690.00 |
Cash Flows
Annual · Rs. Crores — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -264.00 | -1,045.00 | -2,122.00 | -1,123.00 | -277.00 | -157.00 | -1,523.00 | -940.00 | -457.00 |
| Cash from Investing Activity | 228.00 | -586.00 | 210.00 | 162.00 | -384.00 | 102.00 | -132.00 | 14.00 | 10.00 |
| Cash from Financing Activity | 157.00 | 1,593.00 | 2,106.00 | 1,688.00 | 7.00 | 1,033.00 | 1,725.00 | 1,010.00 | 393.00 |
| Net Cash Flow | 121.00 | -38.00 | 194.00 | 727.00 | -654.00 | 977.00 | 70.00 | 84.00 | -53.00 |
| Free Cash Flow | -290.00 | -1,128.00 | -2,145.00 | -1,135.00 | -286.00 | -160.00 | -1,533.00 | -946.00 | -461.00 |
| CFO/OP % | 5.00 | -31.00 | -115.00 | -85.00 | -13.00 | -3.00 | -246.00 | -296.00 | -323.00 |
Ratios
Annual · Days / % — latest first| Metric | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 |
|---|
Corporate Actions
2 records| Action | Ex Date | Record Date | Ratio | Amount (₹) | Notes |
|---|---|---|---|---|---|
| Dividend | 31 Jul 2026 | 31 Jul 2026 | — | 2.00 | |
| Dividend | 14 Aug 2025 | 14 Aug 2025 | — | 2.00 |
Announcements
5 filingsShareholding Pattern
Open on BSEFinancial Results — Filings
Open on BSEBoard Filings
Open on BSEAnnual Reports
Credit Ratings
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Rating update1 Sep from icra
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Rating update2 Jul from care
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Rating update27 Mar from fitch
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Rating update2 Sep 2025 from icra
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Rating update5 Jun 2025 from care
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Rating update4 Apr 2025 from fitch