Loading…
South India-focused NBFC providing small secured business loans against property to self-employed micro-entrepreneurs.
South India-focused NBFC providing small secured business loans against property to self-employed micro-entrepreneurs.
Lends small loans against property to people with irregular, hard-to-document incomes, earning the interest spread over its own borrowing costs, which it funds from banks and capital markets. Collection quality is critical because loans are small and numerous.
Moat: narrow (distribution, process know-how). Deep branch presence and underwriting for informal-income borrowers in south Indian towns.
Headquarters: Chennai, India · Founded: 1984 · Employees: 14,159
Size Five-Star Business Finance (FIVESTAR.NS) is an India Financials company (Finance/Rental/Leasing) with a market value of $1.33B, the 511th largest of 1,058 India companies the cockpit tracks. Shares closed at ₹425.30 on 6 Nov 2026.
Performance Over six months the shares fell 10.1%, against +2.1% for the median peer and 0.0% for the India market (cap-weighted) — 7th lowest of 21 in its peer set.
Growth Revenue grew 8.9% over the last twelve months (peer median +3.3%); the operating margin is 50.8% (peer median 16.2%).
Valuation It trades at 1.59× book value against a peer median of 1.25× (7th most expensive of 21).
Price implies The share price implies a return on equity of about 22.3%; Five-Star Business Finance delivers 15.2%, so the price asks more than the business earns today.
Next results Next results expected around 4 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₹33.6B | ₹32.2B | ₹28.5B | ₹21.8B | ₹15.2B |
| Revenue growth | — | +13% | +30% | +44% | — |
| Gross profit | ₹26.1B | ₹31.8B | ₹28.2B | ₹21.6B | ₹15.0B |
| EBITDA | ₹17.5B | ₹24.5B | ₹22.2B | ₹16.7B | ₹11.1B |
| Net income | ₹11.2B | ₹11.0B | ₹10.7B | ₹8.36B | ₹6.03B |
| Free cash flow | n/a | ₹13.5B | ₹10.2B | ₹7.59B | ₹6.70B |
| Capital expenditure | n/a | ₹256M | ₹827M | ₹224M | ₹121M |
| Total debt | ₹79.7B | ₹82.6B | ₹79.8B | ₹63.5B | ₹42.8B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| Five-Star Business Finance FIVESTAR.NS | $1.33B | -10% | +9% | 15% | 1.59× | 22.3% |
| Aptus Value Housing Finance India APTUS.NS | $927M | -36% | +18% | 20% | 1.60× | 23.2% |
| Capri Global Capital CGCL.NS | $2.44B | +20% | +53% | 18% | 2.90× | 21.5% |
| SBFC Finance SBFC.NS | $1.08B | -5% | +28% | 14% | 2.52× | 31.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | FIVESTAR.NS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -16.5% | +4.1% | lowest of 21 |
| 6-month return | -10.1% | +2.1% | 7th lowest of 21 |
| Return on equity | 15.2% | 8.5% | 5th highest of 21 |
| Price / book | 1.59× | 1.25× | 7th most expensive of 21 |
| Trailing P/E | 11.2× | 13.9× | 6th cheapest of 19 |
| ROE the price implies | 22.3% | 11.1% | 8th most demanding of 21 |
| ROE delivered | 15.2% | 9.3% | 5th highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| Five-Star Business Finance FIVESTAR.NS | India | $1.33B | -10% | +9% | 15% | 1.59× | 22.3% | 15.2% |
| Walker & Dunlop WD | United States | $1.34B | -28% | +9% | 2% | 0.76× | 10.0% | 2.2% |
| Zhejiang Haikong Nanke Huatie Digital Technology 603300.SS | China | $1.34B | -31% | +12% | 5% | 1.29× | 9.8% | 5.3% |
| Taiwan Acceptance 9941.TW | Taiwan | $1.31B | -6% | -3% | 12% | 1.10× | 3.8% | 12.2% |
| Haitong Unitrust International Financial Leasing 1905.HK | Hong Kong | $1.38B | +57% | -20% | 6% | 0.52× | 4.2% | 6.5% |
| Atlanticus ATLC | United States | $1.38B | +8% | +84% | 23% | 1.97× | 24.5% | 22.9% |
| Altus AIF.TO | Canada | $1.26B | +15% | -7% | -2% | 5.50× | 28.5% | -2.2% |
| Duskin 4665.T | Japan | $1.40B | +20% | +3% | 7% | 1.43× | 5.4% | 6.7% |
| Zigup ZIG.L | United Kingdom | $1.41B | +14% | +3% | 7% | 0.96× | 12.8% | 7.1% |
| Upbound UPBD | United States | $1.41B | +29% | +3% | 16% | 1.88× | 23.5% | 15.5% |
| Kanamoto 9678.T | Japan | $1.23B | +17% | +2% | 9% | 1.20× | 6.4% | 9.3% |
| Genertec Universal Medical 2666.HK | Hong Kong | $1.21B | -19% | 0% | 12% | 0.41× | 5.1% | 11.6% |
| Home First Finance Company India HOMEFIRST.NS | India | $1.21B | -10% | +19% | 14% | 2.45× | 31.6% | 14.3% |
| PROG PRG | United States | $1.47B | +4% | +10% | 17% | 1.82× | 23.0% | 17.3% |
| Ricoh Leasing Company,Ltd 8566.T | Japan | $1.20B | 0% | +4% | 5% | 0.77× | 4.3% | 5.3% |
| LOTTE rental 089860.KS | South Korea | $1.56B | +74% | +4% | 8% | 1.34× | 6.3% | 7.7% |
| Sammaan Capital SAMMAANCAP.NS | India | $1.61B | -13% | -60% | -35% | 0.80× | 14.2% | n/a |
| Metro Bank MTRO.L | United Kingdom | $1.63B | +22% | +1% | 4% | 0.94× | 12.1% | 4.3% |
| Hotai Finance 6592.TW | Taiwan | $1.08B | -6% | -9% | 10% | 0.92× | 3.4% | 9.7% |
| SBFC Finance SBFC.NS | India | $1.08B | -5% | +28% | 14% | 2.52× | 31.2% | 13.6% |
| Can Fin Homes CANFINHOME.NS | India | $1.05B | -16% | +8% | 19% | 1.55× | 29.3% | 19.4% |