Five Star Business Finance Limited Stock Price Today (NSE: FIVESTAR)
Five Star Business Finance Limited
Fundamental Score
Five Star Business Finance Limited Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Five Star Business Finance Limited share price today is ₹352.95, down 1.93% on NSE/BSE as of 30 March 2026. Five Star Business Finance Limited (FIVESTAR) is a Mid-cap company in the Non Banking Financial Company (NBFC) sector with a market capitalisation of ₹17.25K (Cr). The 52-week high for FIVESTAR share price is ₹850.00 and the 52-week low is ₹338.15. At a P/E ratio of 15.61x, FIVESTAR is currently trading below its industry average P/E of 22.03x. The company has a Return on Equity (ROE) of 18.65% and a debt-to-equity ratio of 1.23.
Five Star Business Finance Limited Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Five Star Business Finance Limited Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Five Star Business Finance Share Price: A Conservative Value Investor's Perspective
The Non-Banking Financial Company (NBFC) sector, particularly those focusing on small-ticket loans, faces a unique challenge: balancing rapid growth with stringent risk management. Understanding this balance is crucial when evaluating the long-term viability of any NBFC. This analysis examines the Five Star Business Finance share price from the lens of a conservative value investor, prioritizing capital preservation above all else. We are focusing on core metrics that suggest financial stability and sustainable growth.
Currently trading at ₹450.5, with a Price-to-Earnings (PE) ratio of 15.61, Five Star Business Finance is positioned in a market segment with peers like Apollo Finvest, Bengal & Assam, and Fedders Holding Ltd. A crucial aspect of value investing is comparing companies within the same industry. While quantifiable metrics like PE provide a snapshot, qualitative factors such as management quality are paramount. How
Apollo Finvest compares to Five Star Business Finance in terms of management's experience and track record is a key factor for long-term assessment, requiring deeper due diligence into leadership backgrounds and capital allocation strategies.The company's Return on Capital Employed (ROCE) of 16.34% is a noteworthy indicator. This metric reveals how effectively Five Star Business Finance utilizes its capital to generate profits. A consistently high ROCE, sustained over several years, can contribute to building a competitive moat. In Five Star's case, a 16.34% ROCE suggests a degree of efficiency in its operations and lending practices, allowing it to potentially reinvest earnings for further growth and maintain its position within its target market. It is important to investigate if this ROCE has been trending up, down, or sideways over the past 5-10 years.
As a conservative value investor, a thorough understanding of Five Star Business Finance's loan book quality, asset liability management, and provisioning policies are crucial for capital safety. This analysis is part of a comprehensive 80-parameter fundamental audit verified by Sweta Mishra, aimed at providing an in-depth assessment of the company's financial health. We observe that further investigation into these areas is essential to determine if the current Five Star Business Finance share price represents a compelling long-term value proposition.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Five Star Business Finance Limited Fundamental Analysis & Valuation Benchmarking
Educational evaluation of FIVESTAR across key market metrics for learning purposes.
Positive Indicators
8 factors identified
Strong Return on Equity (18.65%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Excellent ROCE Performance (16.34%)
Observation: Superior returns on capital employed across business operations.
Analysis: ROCE >15% demonstrates efficient capital deployment and strong operational performance.
Strong Operating Margins (73.71%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Attractive Valuation (P/E: 15.61 vs Industry: 22.03)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity.
Consistent Growth Track Record (29.34% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Strong Profit Growth Track Record (32.57% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Strong Institutional Confidence (FII+DII: 67.96%)
Observation: Significant professional investor participation.
Analysis: High institutional holding often signals thorough due diligence.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
4 factors identified
Weak Earnings Growth (-18.90% CAGR)
Observation: Below-average 5-year EPS growth performance.
Analysis: Low EPS growth may not keep pace with inflation.
Elevated Debt Levels (D/E: 1.23)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Negative Free Cash Flow (₹-4853.47 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Low Promoter Commitment (18.57%)
Observation: Reduced promoter stake may indicate limited confidence.
Analysis: Low promoter holding may raise questions about management commitment.
Five Star Business Finance Limited Financial Statements
Comprehensive financial data for Five Star Business Finance Limited including income statement, balance sheet and cash flow
About FIVESTAR (Five Star Business Finance Limited)
Five Star Business Finance Limited is a dynamic Non-Banking Financial Company (NBFC) deeply rooted in empowering India's underserved entrepreneurial spirit. With a steadfast commit...ment to fueling the aspirations of small business owners, Five Star provides tailored financial solutions designed to unlock their potential. Operating across diverse regions of India, they specialize in offering accessible and customized loan products, catering specifically to the unique needs of micro-entrepreneurs and self-employed individuals. Five Star distinguishes itself by fostering enduring relationships with its borrowers, understanding their businesses intimately, and providing unwavering support throughout their financial journey, facilitating sustainable growth and prosperity within the communities they serve. At the heart of Five Star's operations lies a profound understanding of the challenges faced by small business owners in accessing traditional financing options. Recognizing the limitations of conventional banking systems, Five Star fills a critical gap by offering flexible and collateralized loan products designed to meet the diverse financial requirements of its target clientele. These loans are strategically deployed to support various crucial aspects of business operations, including working capital management, inventory procurement, infrastructure upgrades, and expansion initiatives. Five Star not only extends financial assistance but also empowers its borrowers with the resources and knowledge necessary to navigate the complexities of entrepreneurship. Five Star Business Finance Limited prides itself on a robust operational framework that combines cutting-edge technology with a personalized approach. Through a network of strategically located branches and a dedicated team of professionals, they ensure seamless service delivery and efficient loan disbursement. Their commitment to transparency, ethical practices, and responsible lending underscores their dedication to building trust and fostering lasting partnerships with their borrowers. In doing so, Five Star contributes significantly to financial inclusion and empowers countless individuals to achieve their entrepreneurial dreams, driving economic progress and prosperity across the nation.
Company Details
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FIVESTAR Share Price: Frequently Asked Questions
What is the current share price of Five Star Business Finance Limited (FIVESTAR)?
As of 30 Mar 2026, 12:01 pm IST, Five Star Business Finance Limited share price is ₹352.95. The FIVESTAR stock has a market capitalisation of ₹17.25K (Cr) on NSE/BSE.
Is FIVESTAR share price Overvalued or Undervalued?
FIVESTAR share price is currently trading at a P/E ratio of 15.61x, compared to the industry average of 22.03x. Based on this relative valuation, the Five Star Business Finance Limited stock appears to be Undervalued against its sector peers.
What is the 52-week high and low of FIVESTAR share price?
The 52-week high of FIVESTAR share price is ₹850.00 and the 52-week low is ₹338.15. These values are updated daily from NSE/BSE price data.
What factors affect the Five Star Business Finance Limited share price?
Key factors influencing FIVESTAR share price include quarterly earnings growth (Sales Growth: 13.87%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Five Star Business Finance Limited a good stock for long-term investment?
Five Star Business Finance Limited shows a 5-year Profit Growth of 32.57% and an ROE of 18.65%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.23 before investing in FIVESTAR shares.
How does Five Star Business Finance Limited compare with its industry peers?
Five Star Business Finance Limited competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare FIVESTAR share price P/E of 15.61x and ROE of 18.65% against the industry averages to determine competitive standing.
What is the P/E ratio of FIVESTAR and what does it mean?
FIVESTAR share price has a P/E ratio of 15.61x compared to the industry average of 22.03x. Investors pay ₹16 for every ₹1 of annual earnings.
How is FIVESTAR performing according to Bull Run's analysis?
FIVESTAR has a Bull Run fundamental score of 42.7/100, indicating concerns requiring careful analysis. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does FIVESTAR belong to?
FIVESTAR operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Five Star Business Finance Limited share price.
What is Return on Equity (ROE) and why is it important for FIVESTAR?
FIVESTAR has an ROE of 18.65%, which indicates excellent management efficiency. ROE measures how efficiently Five Star Business Finance Limited generates profits from shareholders capital.
How is FIVESTAR debt-to-equity ratio and what does it indicate?
FIVESTAR has a debt-to-equity ratio of 1.23, which indicates high leverage that increases financial risk.
What is FIVESTAR dividend yield and is it a good dividend stock?
FIVESTAR offers a dividend yield of 0.34%, meaning you receive ₹0.34 annual dividend for every ₹100 invested in Five Star Business Finance Limited shares.
How has FIVESTAR share price grown over the past 5 years?
FIVESTAR has achieved 5-year growth rates of: Sales Growth 29.34%, Profit Growth 32.57%, and EPS Growth -18.90%.
What is the promoter holding in FIVESTAR and why does it matter?
Promoters hold 18.57% of FIVESTAR shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Five Star Business Finance Limited.
What is FIVESTAR market capitalisation category?
FIVESTAR has a market capitalisation of ₹17255 crores, placing it in the Mid-cap category.
How volatile is FIVESTAR stock?
FIVESTAR has a beta of N/A. A beta > 1 suggests the Five Star Business Finance Limited stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is FIVESTAR operating profit margin trend?
FIVESTAR has a 5-year average Operating Profit Margin (OPM) of 73.71%, indicating the company's operational efficiency.
How is FIVESTAR quarterly performance?
Recent quarterly performance shows Five Star Business Finance Limited YoY Sales Growth of 13.87% and YoY Profit Growth of 6.79%.
What is the institutional holding pattern in FIVESTAR?
FIVESTAR has FII holding of 55.80% and DII holding of 12.16%. Significant institutional holding often suggests professional confidence in the Five Star Business Finance Limited stock.