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India
As of 18 Sept 2026, 03:30 pm
Between March 2019 and March 2020, Five-Star Business Finance's borrowing increased significantly from ₹922 crore to ₹2,364 crore. Over the same period, its equity capital saw a smaller increase from ₹24 crore to ₹26 crore, while reserves grew from ₹1,341 crore to ₹1,919 crore.
Five-Star Business Finance's cash flow from operating activities has become more negative. It was -₹940 crore in March 2019 and worsened to -₹1,523 crore in March 2020. Similarly, Cash from Operations (CFO/OP) also became more negative, moving from -₹296 crore in March 2019 to -₹246 crore in March 2020.
In September 2026, Five-Star Business Finance has scheduled multiple meetings with analysts and institutional investors. These include one-on-one virtual and in-person meetings with representatives from Capital Group, Pictet Group, Millenium Partners, HDFC MF, and Ikigai Asset Manager. The company has also confirmed participation in Citi's 2026 India Financials Investor Forum. All discussions are stated to be based on publicly available information.
As of September 18, 2026, daily and weekly technical trends for Five-Star Business Finance indicate a 'bullish' direction based on the Supertrend indicator. The daily trend shows a positive slope in the 20-day Exponential Moving Average (EMA), while the weekly trend also shows a bullish Supertrend with a positive EMA slope. However, the 50-day Simple Moving Average (SMA) slope on a daily basis has turned negative.
As of 18 Sept 2026, 03:30 pm
Recent drawdown or price variability is materially high and may lead to larger short-term outcomes.
Primary driver: Price remains materially below a previous peak
The session opened materially above the previous close, indicating a sharp repricing at the open.
The move may reflect new information; subsequent price follow-through is worth monitoring.
Trading activity was substantially higher than usual and the price closed higher.
This may reflect stronger-than-usual market participation; follow-through and relevant company or market news merit review.
The session opened materially above the previous close, indicating a sharp repricing at the open.
The move may reflect new information; subsequent price follow-through is worth monitoring.
Trading activity was substantially higher than usual and the price closed higher.
This may reflect stronger-than-usual market participation; follow-through and relevant company or market news merit review.
Latest complete financial results for Q1 FY2027 and comparative quarterly trends.
| Metric | Q1 FY2026-27(Latest) | Q4 FY2025-26 | Q3 FY2025-26 | Q2 FY2025-26 | Q1 FY2025-26 |
|---|---|---|---|---|---|
| Interest Earned | PEAK₹807.61 crore | ₹795.45 crore | ₹795.86 crore | ₹773.12 crore | ₹764.68 crore |
| Revenue From Operations | PEAK₹828.98 crore | ₹816.95 crore | ₹815.07 crore | ₹799.44 crore | ₹786.68 crore |
| Other Income | PEAK₹9.76 crore | ₹9.11 crore | ₹7.16 crore | ₹7.07 crore | ₹4.51 crore |
| Finance Costs | ₹171.51 crore | ₹181.39 crore | PEAK₹188.53 crore | ₹179.98 crore | ₹187.29 crore |
| Impairment On Financial Instruments | PEAK₹61.82 crore | ₹60.40 crore | ₹57.10 crore | ₹51.04 crore | ₹47.78 crore |
| Other Expenses | ₹45.39 crore | PEAK₹46.57 crore | ₹38.45 crore | ₹40.83 crore | ₹36.86 crore |
Revenue from operations was ₹828.98 crore, up 1.5% from ₹816.95 crore in the previous quarter and 5.4% from ₹786.68 crore in the same quarter last year. This continues a pattern of modest single-digit sequential growth observed over the past several quarters.
Finance costs fell to ₹171.51 crore, a decline of 5.4% from ₹181.39 crore in the previous quarter and 8.4% from ₹187.29 crore in the same quarter last year. The reduction lowered the company’s total expenses for the period.
Impairment on financial instruments (credit provisions) increased to ₹61.82 crore, a 2.4% rise from ₹60.40 crore in the previous quarter and a 29.4% rise from ₹47.78 crore in the same quarter last year. The impairment charge has risen steadily over the past five quarters.
Other expenses were ₹45.39 crore, up 23.1% from ₹36.86 crore a year earlier, though down 2.5% from ₹46.57 crore in the previous quarter.
Profit before tax was ₹361.95 crore, compared to ₹357.13 crore in the previous quarter and ₹354.95 crore in the same quarter last year. Net profit was ₹271.41 crore, compared to ₹269.27 crore and ₹266.31 crore, respectively. Both measures were nearly flat, as the benefit of lower finance costs was offset by higher impairment and other expenses.
The debt-to-equity ratio stood at 0.0103 at the end of the quarter, down from 0.012 a year earlier.
Diluted earnings per share was ₹9.18, compared to ₹9.16 in the previous quarter and ₹9.02 in the same quarter last year, reflecting the small change in net profit.
Revenue growth and lower finance costs were offset by higher impairment charges and other expenses, leaving net profit nearly unchanged from both the prior quarter and the prior-year quarter. The quarter’s results show a balance between improving top-line and funding costs on one hand, and rising credit and operating costs on the other.
Exchange disclosures and regulatory announcements for Five-Star Business Finance.
Five-Star Business Finance Limited announced a virtual one-on-one meeting with Capital Group's Senior India Analyst, Devvrat Mohta, scheduled for September 29, 2026, at 11:30 AM. The discussion will be based on publicly available information from an investor presentation uploaded to the company website on July 25, 2026, with no unpublished price-sensitive information intended for disclosure.
Five-Star Business Finance Limited scheduled two one-on-one analyst meetings on September 22, 2026: an in-person meeting at its Chennai head office at 1:45 PM with Pictet Group (Investment Manager Raunak Mukherjee) and a virtual meeting at 4:00 PM with Millenium Partners (Senior Portfolio Manager Ruchit Puri). Discussions will be based on publicly available information, and no unpublished price-sensitive information is intended to be shared.
Five-Star Business Finance will participate in a virtual group meeting at Citi's 2026 India Financials Investor Forum on September 23, 2026, at 1:00 PM. The company confirmed discussions will be based on publicly available information and that no unpublished price sensitive information will be shared.
Five-Star Business Finance Limited scheduled one-on-one analyst meetings for September 23, 2026, including an in-person session at its Chennai Head Office with HDFC MF Fund Manager Anand Laddha at 10:00 AM and a virtual meeting with Ikigai Asset Manager CIO Pankaj Tibrewal at 4:00 PM. The company confirmed that investor presentations were uploaded to its website on July 25, 2026, and stated that all discussions will be restricted to publicly available information without the disclosure of unpublished price-sensitive information.
Five-Star Business Finance Limited has informed the Exchange regarding Allotment of 7040 Shares pursuant to Employee Stock Options. |SUBJECT: ESOP/ESOS/ESPS
Five-Star Business Finance Limited scheduled a virtual one-on-one investor meeting with Schonfeld Strategic on September 16, 2026. The company confirmed that discussions will be restricted to publicly available information with no unpublished price-sensitive information disclosed. An investor presentation was previously uploaded to the company website and intimated to stock exchanges on July 25, 2026.
Five-Star Business Finance Limited scheduled a virtual one-on-one meeting with analyst Zhixuan Gao of Schonfeld Strategic for September 16, 2026, at 14:00. The discussion will be based on publicly available information from an investor presentation uploaded to the company website, with no unpublished price sensitive information intended to be shared.
Recent market and company developments associated with Five-Star Business Finance.
Sensex, Nifty, Share Prices LIVE: Five-Star Business Finance share price can go up to ₹615
Buy Five-Star Business Finance stock at ₹543.75; target price is ₹615 with bullish short-term outlook and strategic stop-losses.
Breakout stocks to buy: Sumeet Bagadia recommends five breakout stocks to buy today — Five-Star Business Finance, AKUMS Drugs & Pharmaceuticals, Allied Blenders and Distillers, VA Tech Wabag, and Lloyds Engineering Works.
After a turbulent trading day, Indian stock indices bounced back significantly as oil prices and bond yields eased. The Sensex and Nifty ended with modest declines, having experienced deeper dips earlier. Previous climbs in crude oil prices and geopolitical issues had weighed down on investor confidence. Analysts suggest maintaining caution and closely watching Niftys support and resistance levels, highlighting particular metal stocks and equities to watch for the week ahead.
On Friday (July 25), shares of Five-Star Business Finance Ltd ended at ₹536.00, up by ₹1.65, or 0.31%, on the BSE.
Q1 Results Today, 25th July 2026 Live Updates: Find all the latest Q1 results 2026 updates of 3P Land Holdings Limited, AU Small Finance Bank Limited, Birla Corporation Limited, Dodla Dairy Limited, Dr. Reddy's Laboratories Limited, Exxaro Tiles Limited, FCS Software Solutions Limited, Five-Star Business Finance Limited, High Energy Batteries (India) Limited, IDFC First Bank Limited, Lexoraa Industries Limited, Vedant Fashions Limited (Manyavar), Mercury Laboratories Limited, Nila Infrastructure...
On July 25, around 25 companies, including AU Small Finance Bank and IDFC First Bank, will report Q1 FY27 earnings. Investors key in on outlook commentary as Indian stocks face pressure, following a five-session decline with geopolitical tensions and elevated crude oil prices.
Indian stock markets are expected to open weakly, reflecting investors' caution amid geopolitical tensions and mixed global cues. The Sensex and Nifty 50 both faced declines due to heightened concerns over the US-Iran conflict and rising crude oil prices.
Comprehensive Section Breakdown for Five-Star Business Finance
Strategic Vision: Provides secured loans to unreached micro-entrepreneurs and self-employed.
Category: Financial Services
Provides secured loans for business purposes, asset creation like home renovation, and significant economic events such as marriage, healthcare, and education.
• Niche underwriting model evaluating borrower intention and repayment ability.
• Focus on serving un-banked and under-banked customer segments.
• Specialization in secured loans for micro-entrepreneurs and self-employed individuals.
Five-Star Business Finance Limited reported a 1.5% sequential and 5.4% year-on-year increase in revenue from operations for the quarter ended 30 June 2026. Finance costs declined by 5.4% from the previous quarter and 8.4% from the same quarter last year. However, impairment on financial instruments rose 2.4% sequentially and 29.4% year-on-year, while other expenses increased 23.1% year-on-year. As a result, profit before tax and net profit were nearly unchanged from both the prior quarter and the prior-year quarter.
Five-Star Business Finance reported a strong start to FY27 with record quarterly disbursements of ₹1,496 Cr, up 23% sequentially and 16% year-on-year, driving AUM growth of 4% QoQ to ₹13,722 Cr. Management highlighted that collections metrics improved, with unique customer collection efficiency at 97.9% and credit cost easing to 1.85%, while cost of funds declined 15 bps sequentially to 8.80%. Despite a slight increase in Gross Stage 3 assets to 3.46%, management expects NPA ratios to normalize as fresh slippages taper off. The company reiterated its full-year AUM growth guidance of 20% and aims to achieve sustainable growth through robust underwriting, collections, and technology-driven risk management.
Core Thesis: The company aims to increase customer satisfaction by employing a niche underwriting model that evaluates borrowers' intention and ability to repay.
• Niche Underwriting Model: Evaluates borrowers' intention and ability to repay to serve unreached market segments. • Targeting Underserved Segments: Focuses on providing credit solutions to un-banked or under-banked customers like small shop owners and self-employed individuals. • Tangible Business Funding: Prioritizes funding businesses that are tangible and create on-the-ground economic impact.