Five-Star Business Finance Ltd.
NSE: FIVESTAR · Non Banking Financial Company (NBFC)
Snapshot
Unlock Five-Star Business Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Five-Star Business Finance Limited is an Indian non-banking financial company that provides secured loans to micro-entrepreneurs and self-employed individuals. Its product portfolio primarily includes loans for business purposes, home renovation, and other mortgage-backed requirements.
Business Model
The company generates revenue primarily through interest income earned on secured loans provided to the informal sector. It focuses on small-ticket loans backed by collateral, typically residential or commercial properties, to mitigate credit risk.
Growth Outlook
Growth is driven by the expansion of its branch network into under-penetrated geographies and the increasing demand for credit among small business owners in the informal economy. The company continues to leverage its established underwriting model to scale its loan book.
Key Risks
- Credit Risk. The company's target segment of micro-entrepreneurs may be highly sensitive to economic downturns, potentially leading to higher non-performing assets.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its borrower base.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India which may impact operational flexibility.
- Concentration Risk. The business model relies heavily on property-backed lending, making the company vulnerable to volatility in the real estate market.
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Key Metrics
REVENUE
₹3,319 Cr
TTM · standalone
NET PROFIT
₹1,117 Cr
TTM · standalone
EPS
₹37.88
TTM · standalone
RETURN ON EQUITY
15.2%
TTM · standalone
P/E
10.6×
Q2 FY27 · standalone
NET PROFIT MARGIN
34.9%
Q2 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E (TTM) | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Five-Star Business Finance Ltd.FIVESTAR | ₹11,715 Cr | 10.6× | — | 8.3% | — | 15.2% | — | -38.6% |
SBFC Finance Ltd.SBFC | ₹9,357 Cr | 19.1× | — | 28.4% | — | 13.6% | — | -22.6% |
Paisalo Digital LimitedPAISALO | ₹7,188 Cr | 27.2× | — | 23.6% | — | 14.7% | — | +109.4% |
Bengal & Assam Company LimitedBENGALASM | ₹6,452 Cr | 8.5× | — | — | — | 7.6% | — | -27.0% |
Mrugesh TradingMRUTR | ₹5,710 Cr | -52.6× | — | -2.2% | — | -0.2% | — | +4027.0% |
Fedbank Financial Services LimitedFEDFINA | ₹5,389 Cr | 12.8× | — | 21.3% | — | 14.8% | — | +5.3% |
As of Q2 FY27
Financials
Five-Star Business Finance Ltd.
NSE: FIVESTAR · Non Banking Financial Company (NBFC)
Snapshot
Unlock Five-Star Business Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Five-Star Business Finance Limited is an Indian non-banking financial company that provides secured loans to micro-entrepreneurs and self-employed individuals. Its product portfolio primarily includes loans for business purposes, home renovation, and other mortgage-backed requirements.
Business Model
The company generates revenue primarily through interest income earned on secured loans provided to the informal sector. It focuses on small-ticket loans backed by collateral, typically residential or commercial properties, to mitigate credit risk.
Growth Outlook
Growth is driven by the expansion of its branch network into under-penetrated geographies and the increasing demand for credit among small business owners in the informal economy. The company continues to leverage its established underwriting model to scale its loan book.
Key Risks
- Credit Risk. The company's target segment of micro-entrepreneurs may be highly sensitive to economic downturns, potentially leading to higher non-performing assets.
- Interest Rate Risk. Fluctuations in interest rates can impact the company's net interest margins and the affordability of loans for its borrower base.
- Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India which may impact operational flexibility.
- Concentration Risk. The business model relies heavily on property-backed lending, making the company vulnerable to volatility in the real estate market.
Start your research today
Unlock AI insights, financials, peers and live data on Five-Star Business Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹3,319 Cr
TTM · standalone
NET PROFIT
₹1,117 Cr
TTM · standalone
EPS
₹37.88
TTM · standalone
RETURN ON EQUITY
15.2%
TTM · standalone
P/E
10.6x
Q2 FY27 · standalone
NET PROFIT MARGIN
34.9%
Q2 FY27 · standalone
Peers · Non Banking Financial Company (NBFC)
As of Q2 FY27