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Swing Capital

Five-Star Business Finance Ltd

NSE: FIVESTAR BSE: 543663Banking

Incorporated in 1984, Five Star Business Finance Limited is an NBFC-ND-SI providing secured business loans to micro-entrepreneurs and self-employed individuals across South India.[1]

₹453
52W: ₹338 — ₹828
PE 12.2 · Book ₹250 · +81% vs book
Market Cap₹13,383 Cr
Stock P/E12.2Price to Earnings
ROCE14.8%Return on Capital
ROE16.1%Return on Equity
Div. Yield0.45%Face Value ₹1

Strengths

  • +Company has delivered good profit growth of 25.1% CAGR over last 5 years

Weaknesses

  • −Promoter holding is low: 18.6%
  • −Promoter holding has decreased over last 3 years: -16.3%

Shareholding Pattern

Promoters18.61%
FIIs48.48%
DIIs17.58%
Public15.34%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters26.51%21.59%▼4.921.55%▼0.021.47%▼0.121.47%18.57%▼2.918.56%▼0.018.61%▲0.1
FIIs57.45%56.7%▼0.857.76%▲1.158.75%▲1.058.13%▼0.655.8%▼2.352.95%▼2.848.48%▼4.5
DIIs6.07%8.99%▲2.910.1%▲1.19.09%▼1.09.48%▲0.412.16%▲2.714.74%▲2.617.58%▲2.8
Public9.96%12.71%▲2.810.6%▼2.110.69%▲0.110.93%▲0.213.46%▲2.513.77%▲0.315.34%▲1.6

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses145161169178186204241236255277
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit217236252268274279266286277269
EPS ₹7.428.078.69.169.339.489.049.729.419.12

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Capex Cycle

CWIP at ₹72Cr (82% of fixed assets). Significant capex underway — growth runway building.

Institutional Flow

DIIs: 17.58% (+12.87pp change). FIIs: 48.48% (+39.74pp change). Promoters hold 18.61%.

Margin & Efficiency

ROCE improving from 0% (Mar 2017) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 12.2x with 14.8% ROCE. Price is 81% above book value of ₹250. Dividend yield: 0.45%.

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