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Five-Star Business Finance (FIVESTAR)₹426.90−0.18%Non Banking Financial Company (NBFC)
In the Jun 2026 quarter (standalone), Five-Star Business Finance reported revenue of ₹832 Cr, up 5.5% from Jun 2025, and net profit of ₹271 Cr, up 1.8% year on year. For the year to Mar 2026, revenue were ₹3,229 Cr and net profit ₹1,098 Cr.
Company filings, standalone accounts; latest reported quarter Jun 2026
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 520 | 569 | 618 | 668 | 704 | 729 | 754 | 789 | 802 | 817 | 820 | 832 |
| Interest | 106 | 130 | 139 | 158 | 163 | 172 | 176 | 188 | 180 | 189 | 181 | 173 |
| Net interest income | 414 | 439 | 479 | 510 | 541 | 558 | 578 | 601 | 622 | 628 | 638 | 660 |
| Expenses | 144 | 145 | 161 | 169 | 178 | 186 | 204 | 241 | 236 | 255 | 277 | 296 |
| Financing Profit | 268 | 293 | 317 | 338 | 360 | 369 | 372 | 358 | 383 | 370 | 357 | 360 |
| Financing Margin % | 52.0% | 52.0% | 52.0% | 51.0% | 51.0% | 51.0% | 50.0% | 46.0% | 48.0% | 46.0% | 44.0% | 44.0% |
| Other Income | 4.01 | 3.01 | 3.01 | 3.01 | 4.02 | 4.01 | 7.02 | 5.02 | 7.03 | 7.02 | 9.03 | 10.04 |
| Depreciation | 5.97 | 6.97 | 6.97 | 5.98 | 6.98 | 7.97 | 8.97 | 7.98 | 8.97 | 9.97 | 9.97 | 8.97 |
| Profit before tax | 267 | 291 | 313 | 336 | 359 | 366 | 372 | 356 | 383 | 370 | 357 | 362 |
| Tax % | 25.1% | 25.1% | 25.1% | 25.0% | 25.0% | 25.0% | 25.1% | 25.0% | 25.1% | 25.0% | 25.0% | 25.1% |
| Net Profit | 199 | 217 | 236 | 251 | 267 | 274 | 278 | 266 | 285 | 277 | 269 | 271 |
| EPS (Rs) | 6.85 | 7.43 | 8.09 | 8.61 | 9.17 | 9.34 | 9.50 | 9.05 | 9.74 | 9.43 | 9.13 | 9.21 |
| Gross NPA % | — | — | — | — | 1.5% | 1.6% | 1.8% | 2.5% | 2.6% | 3.2% | 3.4% | 3.5% |
| Net NPA % | — | — | — | — | 0.7% | 0.8% | 0.9% | 1.3% | 1.5% | 1.9% | 2.0% | 2.1% |
| Provision coverage (approx., excl. write-offs) % | — | — | — | — | 51.7% | 50.0% | 50.8% | 49.2% | 44.7% | 39.0% | 40.7% | 39.3% |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 86.32 | 197 | 403 | 789 | 1,053 | 1,259 | 1,526 | 2,189 | 2,856 | 3,229 | 3,272 |
| Interest | 24.08 | 55.13 | 73.19 | 219 | 328 | 303 | 269 | 474 | 675 | 744 | 724 |
| Net interest income | 62.24 | 141 | 330 | 570 | 725 | 956 | 1,257 | 1,715 | 2,181 | 2,486 | 2,548 |
| Expenses | 30.03 | 63.98 | 107 | 210 | 237 | 337 | 439 | 582 | 734 | 1,004 | 1,064 |
| Financing Profit | 30.90 | 77.78 | 220 | 358 | 485 | 612 | 812 | 1,126 | 1,438 | 1,467 | 1,470 |
| Financing Margin % | 37.0% | 40.0% | 55.0% | 46.0% | 46.0% | 49.0% | 54.0% | 52.0% | 51.0% | 46.0% | 44.9% |
| Other Income | 0.00 | 1.01 | 1.01 | 1.01 | 1.01 | 2.01 | 8.03 | 12.03 | 18.05 | 28.09 | 33.12 |
| Depreciation | 0.99 | 2.99 | 3.99 | 9.97 | 10.96 | 11.96 | 16.93 | 24.90 | 29.91 | 36.88 | 37.88 |
| Profit before tax | 31.06 | 76.13 | 218 | 349 | 476 | 605 | 807 | 1,117 | 1,433 | 1,464 | 1,472 |
| Tax % | 37.1% | 28.0% | 28.1% | 25.0% | 25.0% | 25.1% | 25.0% | 25.1% | 25.1% | 25.0% | — |
| Net Profit | 18.97 | 53.91 | 156 | 262 | 358 | 453 | 603 | 834 | 1,070 | 1,098 | 1,101 |
| EPS (Rs) | 13.59 | 28.34 | 65.52 | 104.00 | 142.39 | 15.59 | 20.75 | 28.64 | 36.50 | 37.28 | 37.51 |
| Dividend payout % | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 5.0% | 0.0% | — |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 13.95 | 18.96 | 23.93 | 26.01 | 25.95 | 28.93 | 28.92 | 28.93 | 28.94 | 29.93 |
| Reserves | 209 | 571 | 1,336 | 1,915 | 2,287 | 3,671 | 4,296 | 5,149 | 6,256 | 7,327 |
| Borrowings | 450 | 526 | 918 | 2,357 | 3,414 | 2,549 | 4,230 | 6,292 | 7,892 | 8,168 |
| Other Liabilities | 13.94 | 13.93 | 30.85 | 44.78 | 49.76 | 73.64 | 115 | 176 | 193 | 208 |
| Total Liabilities | 687 | 1,130 | 2,308 | 4,342 | 5,777 | 6,323 | 8,671 | 11,646 | 14,371 | 15,733 |
| Fixed Assets | 5.02 | 0.00 | 10.04 | 28.12 | 25.09 | 33.14 | 45.16 | 64.26 | 86.30 | 88.37 |
| CWIP | 1.99 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 61.82 | 71.74 |
| Investments | 14.99 | 14.99 | 14.98 | 0.00 | 0.00 | 248 | 145 | 108 | 212 | 227 |
| Other Assets | 666 | 1,115 | 2,284 | 4,313 | 5,752 | 6,042 | 8,481 | 11,474 | 14,010 | 15,345 |
| Cash & equivalents | 180 | 127 | 210 | 452 | 1,358 | 882 | 1,586 | 1,675 | 2,161 | 2,154 |
| Total Assets | 687 | 1,130 | 2,308 | 4,342 | 5,777 | 6,323 | 8,671 | 11,646 | 14,371 | 15,733 |
| Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|
| Cash from operating activity | −458 | −944 | −1,529 | −158 | −278 | −1,126 | −2,128 | −1,049 | −265 |
| Cash from investing activity | 9.98 | 13.98 | −132 | 102 | −384 | 162 | 210 | −585 | 228 |
| Cash from financing activity | 392 | 1,008 | 1,721 | 1,030 | 6.99 | 1,684 | 2,102 | 1,590 | 157 |
| Net cash flow | −52.91 | 83.73 | 69.87 | 975 | −652 | 726 | 193 | −37.93 | 121 |
| Capex | 4.01 | 6.01 | 10.03 | 3.01 | 9.03 | 12.04 | 22.06 | 83.24 | 26.07 |
| Free cash flow | −462 | −947 | −1,536 | −160 | −287 | −1,138 | −2,148 | −1,131 | −291 |
| CFO / OP % | −323.0% | −296.0% | −246.0% | −3.0% | −13.0% | −85.0% | −115.0% | −31.0% | 5.0% |
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 9.0% | 13.0% | 16.0% | 16.0% | 17.0% | 15.0% | 15.0% | 18.0% | 19.0% | 16.0% |
For the Jun 2026 quarter, Five-Star Business Finance reported revenue of ₹832 Cr, up 5.5% year on year and net profit of ₹271 Cr, up 1.8% year on year.
Five-Star Business Finance's revenue for the year to Mar 2026 were ₹3,229 Cr; over the last twelve months they were ₹3,272 Cr.
Net profit for the year to Mar 2026 was ₹1,098 Cr, and ₹1,101 Cr over the last twelve months. Earnings per share over the same trailing period were ₹37.51.
Cash from operations was −₹265 Cr in the year to Mar 2026; after capital spending, free cash flow was −₹291 Cr.