Five-Star Business Finance Limited is a non-banking financial company (NBFC) focused on secured lending to small business owners and self-employed individuals. Its loan portfolio primarily comprises mortgage-backed loans catering to underserved borrowers. Strong underwriting practices and localized customer relationships have supported healthy asset quality. Financial inclusion and increasing credit demand from MSMEs create significant growth opportunities. Technology-driven loan processing enhances operational efficiency.
| Market cap | Sales (TTM) | Net profit (TTM) | P/E | EPS (TTM) | P/B | ROE | ROE previous year | ROA | Debt / equity | Beta |
|---|---|---|---|---|---|---|---|---|---|---|
| ₹14,812 cr | ₹3,260 cr | ₹1,104 cr | 13.4 | 37.46 | 2.01 | 16.1% | 18.6% | 7.27% | 1.11 | 1.21 |
| Quarter | Sales ₹ cr | Net profit ₹ cr | EPS | EPS YoY | Sales YoY | Net margin |
|---|---|---|---|---|---|---|
| Jun 2026 | 829 | 271 | 9.19 | +1.7% | +5.4% | 32.7% |
| Mar 2026 | 817 | 269 | 9.14 | -3.7% | +8.6% | 33.0% |
| Dec 2025 | 815 | 277 | 9.41 | +0.5% | +12.1% | 34.0% |
| Sep 2025 | 799 | 286 | 9.72 | +6.1% | +13.9% | 35.8% |
| Jun 2025 | 787 | 266 | 9.04 | +5.1% | +18.1% | 33.9% |
| Mar 2025 | 752 | 279 | 9.49 | +17.6% | +22.1% | 37.1% |
| Dec 2024 | 727 | 274 | 9.36 | +26.2% | +28.2% | 37.6% |
| Sep 2024 | 702 | 268 | 9.16 | +33.7% | +34.4% | 38.2% |
| Check | Result |
|---|---|
| Latest quarter EPS up 25%+ on a year ago | ✗ Fail |
| EPS growth accelerating over 3 quarters | ✗ Fail |
| Sales up 25%+, or sales growth accelerating | ✗ Fail |
| Annual EPS up 25%+ in each of the last 2 years | ✗ Fail |
| Net margin above the same quarter last year | ✗ Fail |
| Method | Checks | Score | Verdict |
|---|---|---|---|
| Minervini | ✓ Close above the 150- and 200-day averages ✓ 150-day above 200-day ✗ 200-day rising for a month ✓ 50-day above the 150- and 200-day ✗ Close above the 50-day ✓ At least 25% above the 52-week low · low 347.30 ✓ Within 25% of the 52-week high · high 660.00 ✗ RS percentile 70 or more · RS 44 Trend template - the gate, measured: a modest 21-day edge. | 5/8 | 5 of 8 |
| Weinstein | Stan Weinstein's stage analysis on the 30-week moving average. | Stage 2 - advancing | |
| CAN SLIM | ✗ C latest quarter EPS up 25%+ ✗ A annual EPS up 25%+ in each of the last 2 years · O'Neil asks 3; ~2 held ✗ N within 15% of the 52-week high · high 660.00 ✗ S more volume on up days than down days (50 sessions) · 0.90x ✗ L RS percentile 80 or more · RS 44 — I institutional sponsorship rising · shareholding not collected yet ✓ M market in an uptrend (40%+ of stocks above their 200-day) · breadth 45% William O'Neil's growth-leader checklist. | 1/6 | Weak |
| Darvas | ✗ New 52-week high in the last 120 sessions Darvas needs a new 52-week high to start a box. | 10/100 | No box |
| Turtle | ✗ Close above the prior 55-session high · 569.00 ✗ Close above the prior 20-session high · 552.00 ✗ Close below the prior 20-session low · 491.00 Donchian channel breakout - the Turtle traders' entry. | No signal | |
| Greenblatt | The Magic Formula excludes banks and financial companies. | Not applicable | |
| Graham | ✗ Price at or below the Graham number · Graham number 458.60 ✓ P/E 15 or less · P/E 13.4 ✗ P/B 1.5 or less (or P/E x P/B 22.5 or less) · P/B 2.01 — Current ratio 2 or more — 10 years of positive earnings, 20 of dividends · history not held Benjamin Graham's defensive-investor tests. | 91/100 | Fair |
| Piotroski | The F-score is built for non-financial companies. | Not applicable |
| Stock | 1M % | 3M % | 6M % | 1Y % | 3Y % | 5Y % | P/E | P/B | ROE % | ROCE % | ROA % | D/E | EV/EBITDA | ₹ Cr | Sales TTM ₹ Cr | Profit TTM ₹ Cr | EPS | Beta |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FIVESTAR this stock | -6.8 | -12.1 | +6.6 | -4.9 | -34.2 | — | 13.4 | 2.01 | 16.1 | — | 7.27 | 1.11 | — | 14,812 | 3,260 | 1,104 | 37.5 | 1.21 |
| SATIN | +4.5 | -10.5 | +35.6 | +57.5 | -4.2 | +196.6 | 6.2 | 0.88 | 12.3 | — | 2.56 | 3.84 | — | 2,524 | 3,217 | 410 | 37.2 | 0.79 |
| MANCREDIT | -3.4 | -3.8 | +26.1 | +19.3 | — | — | 25.1 | 2.64 | 9.8 | — | 3.53 | 1.90 | — | 456 | 78 | 18 | 8.6 | 0.55 |
| CREDITACC | -11.6 | -18.1 | -2.2 | -4.8 | -11.4 | +83.3 | 16.2 | 2.51 | 10.5 | — | 2.60 | 3.01 | — | 19,656 | 6,380 | 1,211 | 75.6 | 0.81 |
| INDOSTAR | -19.6 | -27.4 | -10.0 | -17.3 | +9.3 | -31.9 | — | 0.83 | 3.8 | — | 1.23 | 1.45 | — | 3,130 | 1,414 | -394 | -24.2 | 1.50 |
| MUTHOOTFIN | -9.7 | -14.0 | -27.3 | -23.1 | +105.0 | +65.3 | 9.1 | 2.63 | 30.9 | — | 6.45 | 3.88 | — | 1.03L | 33,431 | 11,458 | 283.3 | 1.30 |
| PFS | +0.1 | -12.7 | -16.7 | -24.3 | -10.2 | +19.3 | 7.5 | 0.55 | 10.9 | — | 6.00 | 0.57 | — | 1,682 | 476 | 223 | 3.5 | 1.06 |