Nifty

:

25549.00

Sensex

:

83755.87

304.25 (1.21%)
1000.36 (1.21%)

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Nifty
Sensex

:
:

25549.00
83755.87

304.25 (1.21%)
1000.36 (1.21%)

Five-Star Business Finance Ltd.

Finance - NBFC

Rating :

40/99

BSE: 543663 | NSE: FIVESTAR

Watchlist

NSE BSE

759.10

26-Jun-2025

Open
High
Low
Previous Close

759
765.9
748.05
753.00

Volume
Traded Value (lacs)
52 Week High
52 Week Low

465880
353402001.6
943.75
595

Stock Summary

Market Cap(Crs)
Stock P:E
Face Value

22,355.34
20.68
1

Enterprise Value(Crs)
Dividend Yield
Price:Book Value

27,340.42
N/A
3.52

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

10 Years
5 Years
3 Years

52.08
22.64
20.29

EBITDA CAGR (%)

10 Years
5 Years
3 Years

51.38
22.64
11.79

PAT CAGR (%)

10 Years
5 Years
3 Years

55.80
26.12
22.61

P:E (Median)

8 Years
5 Years
3 Years

-
-
27.95

P:BV (Average)

8 Years
5 Years
3 Years

-
-
3.89

EV:EBITDA (Average)

8 Years
5 Years
3 Years

-
-
16.81

Earnings Forecasts:

(Updated: 06-06-2025)

Description 2024 2025 2026 2027
Adj EPS 28.64 35.82 41.75 49.88
P/E Ratio 26.50 21.19 18.18 15.22
Revenue 2183 2848 2581 3100
EBITDA 1597 2111 1731 2036
Net Income 836 1072 1224 1453
ROA 8.2 8.2 7.7 7.4
P/B Ratio 4.27 3.55 2.98 2.51
ROE 17.53 18.65 17.79 17.91
FCFF 759 1019
FCFF Yield 2.91 3.9
Net Debt 4644 5767
BVPS 177.68 214.13 254.68 302.8

Quarterly Results

Standalone Figures in Rs. Crores /

Consolidated

Description Mar 25 Mar 24 Var% Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var%
Net Sales 752.27 616.29 22.06% 727.38 567.37 28.20% 702.05 518.82 35.32% 666.14 480.37 38.67%
Expenses 204.38 160.83 27.08% 186.23 144.77 28.64% 177.83 143.81 23.66% 168.63 136.68 23.38%
EBITDA 547.89 455.46 20.29% 541.14 422.60 28.05% 524.22 375.00 39.79% 497.51 343.69 44.76%
EBIDTM 72.83% 73.90% 74.40% 74.48% 74.67% 72.28% 74.69% 71.55%
Other Income 7.48 2.85 162.46% 3.68 2.65 38.87% 3.79 3.55 6.76% 3.24 3.20 1.25%
Interest 175.30 137.73 27.28% 171.35 128.71 33.13% 163.13 105.89 54.06% 158.19 96.17 64.49%
Depreciation 8.99 7.40 21.49% 8.34 6.64 25.60% 6.67 5.69 17.22% 6.38 4.85 31.55%
PBT 371.07 313.19 18.48% 365.13 289.91 25.95% 358.21 266.97 34.18% 336.19 245.87 36.73%
Tax 91.95 77.13 19.21% 91.27 73.15 24.77% 90.27 67.59 33.56% 84.62 62.16 36.13%
PAT 279.13 236.06 18.25% 273.86 216.76 26.34% 267.94 199.39 34.38% 251.57 183.71 36.94%
PATM 37.10% 38.30% 37.65% 38.20% 38.16% 38.43% 37.77% 38.24%
EPS 9.48 8.02 18.20% 9.30 7.36 26.36% 9.10 6.77 34.42% 8.55 6.24 37.02%

Description Dec 24 Dec 23 Var% Sep 24 Sep 23 Var% Jun 24 Jun 23 Var% Mar 24 Mar 23 Var%
Net Sales 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Expenses 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBITDA 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
EBIDTM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Other Income 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Interest 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Depreciation 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PBT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
Tax 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PAT 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0
PATM 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0 0.00 0.00 0

Annual Results

Standalone Figures in Rs. Crores /

Consolidated

Right to Left

Description TTM Mar 24 Mar 23 Mar 22 Mar 21 Mar 20 Mar 17 Mar 16 Mar 15 Mar 14 Mar 13
Net Sales 2,847.84 2,182.85 1,520.85 1,254.06 1,049.74 786.71 83.08 46.28 32.99 25.19 18.60 Net Sales Growth 30.46% 43.53% 21.27% 19.46% 33.43% 846.93% 79.52% 40.28% 30.96% 35.43% Cost Of Goods Sold 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Gross Profit 2,847.84 2,182.85 1,520.85 1,254.06 1,049.74 786.71 83.08 46.28 32.99 25.19 18.60 GP Margin 100.00% 100% 100% 100% 100% 100% 100% 100% 100% 100% 100% Total Expenditure 737.07 582.37 438.77 337.30 236.83 209.82 30.47 12.41 7.67 4.78 3.10 Power & Fuel Cost - 2.32 1.56 0.97 0.93 0.78 0.15 0.09 0.05 0.04 0.02 % Of Sales - 0.11% 0.10% 0.08% 0.09% 0.10% 0.18% 0.19% 0.15% 0.16% 0.11% Employee Cost - 428.59 346.43 236.12 163.72 127.11 18.58 7.84 4.89 2.96 1.76 % Of Sales - 19.63% 22.78% 18.83% 15.60% 16.16% 22.36% 16.94% 14.82% 11.75% 9.46% Manufacturing Exp. - 39.52 29.76 5.58 10.86 8.09 2.34 1.19 0.82 0.60 0.54 % Of Sales - 1.81% 1.96% 0.44% 1.03% 1.03% 2.82% 2.57% 2.49% 2.38% 2.90% General & Admin Exp. - 45.79 32.18 42.78 19.81 24.57 5.86 2.45 1.30 0.63 0.47 % Of Sales - 2.10% 2.12% 3.41% 1.89% 3.12% 7.05% 5.29% 3.94% 2.50% 2.53% Selling & Distn. Exp. - 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 % Of Sales - 0% 0% 0% 0% 0% 0% 0% 0% 0% 0% Miscellaneous Exp. - 68.47 30.40 52.83 42.44 50.05 3.68 0.92 0.67 0.60 0.00 % Of Sales - 3.14% 2.00% 4.21% 4.04% 6.36% 4.43% 1.99% 2.03% 2.38% 1.77% EBITDA 2,110.76 1,600.48 1,082.08 916.76 812.91 576.89 52.61 33.87 25.32 20.41 15.50 EBITDA Margin 74.12% 73.32% 71.15% 73.10% 77.44% 73.33% 63.32% 73.18% 76.75% 81.02% 83.33% Other Income 18.19 12.25 8.08 2.11 1.51 0.63 2.83 1.03 0.61 0.30 0.02 Interest 667.97 472.22 268.11 302.41 326.60 218.16 23.73 14.07 10.37 9.49 6.39 Depreciation 30.38 24.57 17.31 12.24 11.38 10.07 0.92 0.51 0.36 0.17 0.10 PBT 1,430.60 1,115.94 804.73 604.21 476.44 349.30 30.78 20.32 15.20 11.04 9.04 Tax 358.11 280.02 201.24 150.66 117.45 87.35 11.41 6.90 5.28 3.77 3.00 Tax Rate 25.03% 25.09% 25.01% 24.94% 24.65% 25.01% 37.07% 33.96% 34.74% 34.15% 33.19% PAT 1,072.50 835.92 603.50 453.54 358.99 261.95 19.37 13.41 9.92 7.27 6.04 PAT before Minority Interest 1,072.50 835.92 603.50 453.54 358.99 261.95 19.37 13.41 9.92 7.27 6.04 Minority Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 PAT Margin 37.66% 38.29% 39.68% 36.17% 34.20% 33.30% 23.31% 28.98% 30.07% 28.86% 32.47% PAT Growth 28.30% 38.51% 33.06% 26.34% 37.05% 1,252.35% 44.44% 35.18% 36.45% 20.36% EPS 36.43 28.39 20.50 15.41 12.19 8.90 0.66 0.46 0.34 0.25 0.21

Description TTM Mar 17 Mar 16 Mar 15
Net Sales - 83.68 46.28 32.99 Net Sales Growth - 80.81% 40.28% Cost Of Goods Sold - 0.00 0.00 0.00 Gross Profit - 83.68 46.28 32.99 GP Margin - 100% 100% 100% Total Expenditure - 31.23 12.45 7.67 Power & Fuel Cost - 0.15 0.09 0.05 % Of Sales - 0.18% 0.19% 0.15% Employee Cost - 19.13 7.84 4.89 % Of Sales - 22.86% 16.94% 14.82% Manufacturing Exp. - 2.35 1.19 0.82 % Of Sales - 2.81% 2.57% 2.49% General & Admin Exp. - 5.98 2.45 1.30 % Of Sales - 7.15% 5.29% 3.94% Selling & Distn. Exp. - 0.00 0.00 0.00 % Of Sales - 0% 0% 0% Miscellaneous Exp. - 3.77 0.97 0.67 % Of Sales - 4.51% 2.10% 2.03% EBITDA - 52.45 33.83 25.32 EBITDA Margin - 62.68% 73.10% 76.75% Other Income - 3.46 1.52 0.61 Interest - 23.83 14.07 10.37 Depreciation - 0.92 0.51 0.36 PBT - 31.15 20.77 15.20 Tax - 11.53 7.05 5.28 Tax Rate - 37.01% 33.94% 34.74% PAT - 19.62 13.72 9.92 PAT before Minority Interest - 19.62 13.72 9.92 Minority Interest - 0.00 0.00 0.00 PAT Margin - 23.45% 29.65% 30.07% PAT Growth - 43.00% 38.31% EPS - 0.67 0.47 0.34

Results Balance Sheet

Standalone Figures in Rs. Crores

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Shareholder's Funds 5,196.15 4,339.53 3,710.35 2,318.17 1,944.58 Share Capital 29.24 29.14 29.13 25.64 25.58 Total Reserves 5,110.56 4,249.19 3,647.16 2,274.57 1,914.72 Non-Current Liabilities 6,193.29 4,130.39 2,432.06 3,386.24 2,341.99 Secured Loans 6,257.93 4,179.87 2,475.33 3,423.23 2,363.69 Unsecured Loans 0.00 0.00 0.00 0.00 0.00 Long Term Provisions 8.09 3.84 3.40 0.00 6.52 Current Liabilities 226.60 179.58 153.99 52.21 38.36 Trade Payables 25.37 20.09 13.00 8.67 6.62 Other Current Liabilities 113.00 78.94 51.88 34.37 31.73 Short Term Borrowings 57.91 67.41 83.50 1.97 0.00 Short Term Provisions 30.32 13.14 5.60 7.20 0.00 Total Liabilities 11,616.04 8,649.50 6,296.40 5,756.62 4,324.93 Net Block 64.30 44.87 32.81 24.92 27.87 Gross Block 131.33 87.68 56.81 48.60 44.62 Accumulated Depreciation 67.03 42.81 24.00 23.68 16.75 Non Current Assets 9,763.31 6,985.90 5,281.01 29.04 3,863.79 Capital Work in Progress 0.00 0.00 0.00 0.00 0.00 Non Current Investment 0.00 104.12 140.20 0.00 0.04 Long Term Loans & Adv. 13.90 14.68 5,107.96 4.12 3,835.89 Other Non Current Assets 0.00 0.00 0.00 0.00 0.00 Current Assets 1,852.74 1,663.60 1,015.38 5,727.58 461.13 Current Investments 107.69 40.50 107.98 0.00 0.00 Inventories 0.00 0.00 0.00 0.00 0.00 Sundry Debtors 0.00 0.00 0.00 0.00 0.00 Cash & Bank 1,671.67 1,580.86 879.94 1,355.72 451.13 Other Current Assets 73.38 42.24 22.07 4.36 10.00 Short Term Loans & Adv. 0.00 0.00 5.40 4,367.50 4.34 Net Current Assets 1,626.14 1,484.02 861.40 5,675.37 422.78 Total Assets 11,616.05 8,649.50 6,296.39 5,756.62 4,324.92

Cash Flow

Standalone Figures in Rs. Crores

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21 Mar 20
Cash From Operating Activity -2,122.34 -1,122.81 -277.16 -157.27 -1,523.28 PBT 1,115.94 804.73 604.21 476.44 349.30 Adjustment -1,596.99 -1,176.10 -831.07 -641.62 -479.04 Changes in Working Capital -2,848.73 -1,765.10 -779.12 -552.94 -1,768.49 Cash after chg. in Working capital -3,329.79 -2,136.47 -1,005.98 -718.12 -1,898.23 Interest Paid -511.77 -279.91 -273.95 -300.95 -225.43 Tax Paid -287.32 -201.49 -153.83 -130.29 -102.19 Other Direct Exp. Paid 0.00 0.00 0.00 0.00 0.00 Extra & Other Items 2,006.54 1,495.06 1,156.61 992.10 702.57 Cash From Investing Activity 210.16 161.78 -383.88 102.14 -131.93 Net Fixed Assets -43.65 -30.87 -8.21 -3.98 Net Investments 36.93 103.56 -248.18 0.04 Others 216.88 89.09 -127.49 106.08 Cash from Financing Activity 2,106.22 1,688.22 7.02 1,032.53 1,725.34 Net Cash Inflow / Outflow 194.04 727.20 -654.02 977.40 70.12 Opening Cash & Equivalents 1,340.36 613.16 1,267.18 289.78 219.66 Closing Cash & Equivalent 1,534.40 1,340.36 613.16 1,267.18 289.78

Financial Ratios

Standalone

Right to Left

Description Mar 24 Mar 23 Mar 22 Mar 21
Book Value (Rs.) 175.75 146.84 126.18 896.95 ROA 8.25% 8.08% 7.53% 7.12% ROE 17.75% 15.17% 15.18% 16.93% ROCE 15.80% 14.44% 15.09% 15.98% Fixed Asset Turnover 19.93 21.05 23.80 22.52 Receivable days 0.00 0.00 0.00 0.00 Inventory Days 0.00 0.00 0.00 0.00 Payable days 0.00 0.00 0.00 0.00 Cash Conversion Cycle 0.00 0.00 0.00 0.00 Total Debt/Equity 1.23 0.99 0.70 1.49 Interest Cover 3.36 4.00 3.00 2.46

Top Investors:

sirius ii pte. ltd.

hdfc trustee company ltd. a/c hdfc balanced advant

norwest venture partners x - mauritius

fidelity funds - india focus fund

nomura india investment fund mother fund

wasatch emerging india fund

peak xv partners growth investments iii

saudi central bank - emerging market portfolio 1

government pension fund global

sequoia capital global growth fund iii- endurance

Annual Reports:

News Update:

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Source: www.accordfintech.com | DISCLAIMER: Information is provided " as is" and solely for informational purposes, not for trading purposes or advice, and may be delayed.

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