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.

When is the next results date for Five-Star Bus.Fi?

The next results date for Five-Star Bus.Fi is 29 October 2025.

The next results date for Five-Star Bus.Fi is scheduled for 29 October 2025.

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.

Should I buy, sell or hold Five-Star Bus.Fi?

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

Why is Five-Star Bus.Fi falling/rising?

As of 03-Dec, Five-Star Business Finance Ltd's stock price is at Rs 573.50, reflecting a decline of 1.83% and a total drop of 2.94% over the last three days. Despite strong long-term fundamentals, the stock has underperformed significantly against the market, with a year-to-date decrease of 25.51%.

As of 03-Dec, Five-Star Business Finance Ltd's stock price is falling, currently at Rs 573.50, which reflects a decrease of Rs 10.7 or 1.83%. The stock has underperformed its sector by 0.77% today and has been on a consecutive decline for the last three days, accumulating a total drop of 2.94% during this period. Additionally, the stock reached an intraday low of Rs 569.9, indicating a significant downward movement.<BR><BR>In terms of performance relative to the broader market, the stock has shown a considerable decline over various periods, with a year-to-date drop of 25.51%, while the Sensex has increased by 8.92% in the same timeframe. Over the past month, the stock has decreased by 13.11%, contrasting sharply with the Sensex's gain of 1.34%. This trend suggests that investor sentiment towards Five-Star Business Finance Ltd is negative, likely influenced by falling investor participation, as evidenced by an 83.33% drop in delivery volume compared to the five-day average.<BR><BR>Despite the company's strong long-term fundamentals, including a healthy growth rate in net sales and operating profit, the current market conditions and recent stock performance indicate a bearish trend. The stock is trading lower than several moving averages, which further supports the notion of a downward trajectory. Overall, these factors contribute to the stock's current decline.

Is Five-Star Bus.Fi overvalued or undervalued?

As of December 3, 2025, Five-Star Bus.Fi is considered overvalued with a valuation grade of "attractive," featuring a PE ratio of 15.28, an EV to EBITDA of 10.48, and a year-to-date stock decline of 25.51%, despite being lower than Bajaj Finance's PE of 34.68 but higher than Life Insurance's PE of 10.75.

As of 3 December 2025, the valuation grade for Five-Star Bus.Fi has moved from very attractive to attractive. The company is currently considered overvalued based on its financial metrics. Key ratios include a PE ratio of 15.28, an EV to EBITDA of 10.48, and a ROE of 16.24%. <BR><BR>In comparison to its peers, Five-Star Bus.Fi's PE ratio is significantly lower than Bajaj Finance, which has a PE of 34.68, indicating that Five-Star may be undervalued relative to its growth potential. However, it is also higher than Life Insurance, which boasts a PE of 10.75, suggesting that Five-Star is on the expensive side within its industry. Recent stock performance shows a decline of 25.51% year-to-date, contrasting sharply with the Sensex's gain of 8.92%, further reinforcing the notion of overvaluation.