FIVE-STAR BUS FIN LTD (FIVESTAR) financials

FIVE-STAR BUS FIN LTD (FIVESTAR) NSE/BSE financials on Fincrux: quarterly results, profit and loss, cash flow, balance sheet, ratios, and shareholding.

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]

Market Cap: ₹14,941Cr.
Current Price: ₹506
Stock P/E: 13.5
ROE: 16.1%
ROCE: 14.8%
Book Value: ₹250
Dividend Yield: 0.40%
52W High / Low: ₹666/338

In Jun 2026, FIVE-STAR BUS FIN LTD (FIVESTAR) reported sales ₹829 Cr and net profit ₹271 Cr.

Annual TTM: sales ₹3,260 Cr, net profit ₹1,104 Cr.

Shareholding: Promoters 18.61% (Sep 2026), FIIs 43.54% (Sep 2026), DIIs 23.54% (Sep 2026), Public 14.33% (Sep 2026), No. of Shareholders 98,866% (Sep 2026).

FIVESTAR quarterly results (₹ Cr.)
Category	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
Revenue	702	727	752	787	799	815	817	829
Interest	163	171	175	187	180	189	181	172
Expenses	178	186	204	241	236	255	277	296
Financing Profit	361	370	373	359	384	371	358	361
Financing Margin %	51%	51%	50%	46%	48%	46%	44%	44%
Other Income	4	4	7	5	7	7	9	10
Depreciation	7	8	9	8	9	10	10	9
Profit before tax	358	365	371	355	382	369	357	362
Tax %	25%	25%	25%	25%	25%	25%	25%	25%
Net Profit	268	274	279	266	286	277	269	271
EPS in Rs	9.16	9.33	9.48	9.04	9.72	9.41	9.12	9.19
Gross NPA %	1.47%	1.62%	1.79%	2.46%	2.64%	3.18%	3.37%	3.46%
Net NPA %	0.71%	0.81%	0.88%	1.25%	1.46%	1.94%	2.00%	2.10%
Raw PDF	—	—	—	—	—	—	—	—

FIVESTAR profit and loss (₹ Cr.)
Category	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
Revenue	787	1,050	1,254	1,521	2,183	2,848	3,218	3,260
Interest	218	327	302	268	472	672	742	721
Expenses	210	237	337	439	582	733	1,004	1,064
Financing Profit	359	486	614	814	1,128	1,443	1,472	1,475
Financing Margin %	46%	46%	49%	54%	52%	51%	46%	45%
Other Income	1	1	2	8	12	18	28	33
Depreciation	10	11	12	17	25	30	37	38
Profit before tax	349	476	604	805	1,116	1,431	1,463	1,470
Tax %	25%	25%	25%	25%	25%	25%	25%	—
Net Profit	262	359	454	604	836	1,072	1,099	1,104
EPS in Rs	10.38	14.22	15.57	20.71	28.58	36.43	37.22	37.44
Dividend Payout %	0%	0%	0%	0%	0%	5%	5%	—

FIVESTAR balance sheet (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	24	26	26	29	29	29	29	30
Reserves	1,341	1,919	2,293	3,681	4,310	5,167	6,275	7,351
Borrowing	922	2,364	3,425	2,559	4,247	6,316	7,922	8,200
Other Liabilities	31	45	50	74	116	177	194	209
Total Liabilities	2,317	4,353	5,794	6,343	8,703	11,689	14,421	15,790
Fixed Assets	10	28	25	33	45	64	86	88
CWIP	0	0	0	0	0	0	62	72
Investments	15	0	0	248	145	108	212	227
Other Assets	2,293	4,325	5,769	6,062	8,513	11,517	14,060	15,402
Total Assets	2,317	4,353	5,794	6,343	8,703	11,689	14,421	15,790

FIVESTAR cash flows (₹ Cr.)
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity	-940	-1,523	-157	-277	-1,123	-2,122	-1,045	-264
Cash from Investing Activity	14	-132	102	-384	162	210	-586	228
Cash from Financing Activity	1,010	1,725	1,033	7	1,688	2,106	1,593	157
Net Cash Flow	84	70	977	-654	727	194	-38	121
Free Cash Flow	-946	-1,533	-160	-286	-1,135	-2,145	-1,128	-290

FIVESTAR shareholding pattern (%)
Category	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
Promoters	21.55%	21.47%	21.47%	18.57%	18.56%	18.61%	18.61%	18.61%
FIIs	57.76%	58.75%	58.13%	55.80%	52.95%	48.48%	43.97%	43.54%
DIIs	10.10%	9.09%	9.48%	12.16%	14.74%	17.58%	22.35%	23.54%
Public	10.60%	10.69%	10.93%	13.46%	13.77%	15.34%	15.07%	14.33%
No. of Shareholders	71,229	76,899	69,039	94,108	91,561	97,128	1,02,270	98,866

FIVESTAR key ratios
Category	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	16%	16%	17%	15%	15%	18%	19%	16%

FIVESTARUpdated 17 Oct 2026, 5:25

Five-star Bus Fin Ltd

FIVESTARUpdated 17 Oct 2026, 5:25

Market Cap

₹14,941Cr.

Current Price

₹506

High / Low

₹666/338

Stock P/E

13.5

ROE16.1%

ROCE14.8%

Book Value₹250

Face Value₹1.00

Dividend Yield0.40%

About

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]

Quarterly results

Last reported quarters₹ Cr.

Quarter	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)	Gross NPA	Net NPA
Jun 2023	480	96	137	248	52	3	5	246	25	184	6.3	—	—
Sep 2023	519	106	144	269	52	4	6	267	25	199	6.84	—	—
Dec 2023	567	129	145	294	52	3	7	290	25	217	7.42	—	—
Mar 2024	616	138	161	318	52	3	7	313	25	236	8.07	—	—
Jun 2024	666	158	169	339	51	3	6	336	25	252	8.6	—	—
Sep 2024	702	163	178	361	51	4	7	358	25	268	9.16	1.47	0.71
Dec 2024	727	171	186	370	51	4	8	365	25	274	9.33	1.62	0.81
Mar 2025	752	175	204	373	50	7	9	371	25	279	9.48	1.79	0.88
Jun 2025	787	187	241	359	46	5	8	355	25	266	9.04	2.46	1.25
Sep 2025	799	180	236	384	48	7	9	382	25	286	9.72	2.64	1.46
Dec 2025	815	189	255	371	46	7	10	369	25	277	9.41	3.18	1.94
Mar 2026	817	181	277	358	44	9	10	357	25	269	9.12	3.37	2
Jun 2026	829	172	296	361	44	10	9	362	25	271	9.19	3.46	2.1

Profit & loss

Annual statement₹ Cr.

Year	Revenue	Interest	Expenses	Financing Profit	Financing Margin %	Other Income	Depreciation	Profit Before Tax	Tax	Net Profit	EPS (₹)
Mar 2017	86	24	30	31	37	0	1	31	37	19	1.36
Mar 2018	196	55	64	78	40	1	3	76	28	54	2.83
Mar 2019	402	73	107	221	55	1	4	218	28	156	6.54
Mar 2020	787	218	210	359	46	1	10	349	25	262	10.38
Mar 2021	1050	327	237	486	46	1	11	476	25	359	14.22
Mar 2022	1254	302	337	614	49	2	12	604	25	454	15.57
Mar 2023	1521	268	439	814	54	8	17	805	25	604	20.71
Mar 2024	2183	472	582	1128	52	12	25	1116	25	836	28.58
Mar 2025	2848	672	733	1443	51	18	30	1431	25	1072	36.43
Mar 2026	3218	742	1004	1472	46	28	37	1463	25	1099	37.22
TTM	3260	721	1064	1475	45	33	38	1470	—	1104	37.44

Shareholding pattern

As of Sep 2026%

Holder	Share
Promoters	18.61%
FIIs	43.54%
DIIs	23.54%
Public	14.33%

Shareholding trend

Ownership over time%

Quarter	Promoters	FIIs	DIIs	Public
Dec 2023	26.54%	54.28%	7.82%	11.36%
Mar 2024	26.51%	56.06%	6.97%	10.44%
Jun 2024	26.51%	57.45%	6.07%	9.96%
Sep 2024	21.59%	56.7%	8.99%	12.71%
Dec 2024	21.55%	57.76%	10.1%	10.6%
Mar 2025	21.47%	58.75%	9.09%	10.69%
Jun 2025	21.47%	58.13%	9.48%	10.93%
Sep 2025	18.57%	55.8%	12.16%	13.46%
Dec 2025	18.56%	52.95%	14.74%	13.77%
Mar 2026	18.61%	48.48%	17.58%	15.34%
Jun 2026	18.61%	43.97%	22.35%	15.07%
Sep 2026	18.61%	43.54%	23.54%	14.33%

Balance sheet

Assets & liabilities₹ Cr.

Period	Equity Capital	Reserves	Other Liabilities	Total Liabilities	Fixed Assets	CWIP	Investments	Other Assets	Total Assets
Mar 2017	14	210	14	690	5	2	15	669	690
Mar 2018	19	573	14	1134	0	0	15	1119	1134
Mar 2019	24	1341	31	2317	10	0	15	2293	2317
Mar 2020	26	1919	45	4353	28	0	0	4325	4353
Mar 2021	26	2293	50	5794	25	0	0	5769	5794
Mar 2022	29	3681	74	6343	33	0	248	6062	6343
Mar 2023	29	4310	116	8703	45	0	145	8513	8703
Mar 2024	29	5167	177	11689	64	0	108	11517	11689
Mar 2025	29	6275	194	14421	86	62	212	14060	14421
Mar 2026	30	7351	209	15790	88	72	227	15402	15790

Cash flows

Operating, investing & financing₹ Cr.

Period	Operating	Investing	Financing	Net cash flow
Mar 2017	—	—	—	—
Mar 2018	-457	10	393	-53
Mar 2019	-940	14	1010	84
Mar 2020	-1523	-132	1725	70
Mar 2021	-157	102	1033	977
Mar 2022	-277	-384	7	-654
Mar 2023	-1123	162	1688	727
Mar 2024	-2122	210	2106	194
Mar 2025	-1045	-586	1593	-38
Mar 2026	-264	228	157	121

Key ratios

Historical financial ratios

Category	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	9%	13%	16%	16%	17%	15%	15%	18%	19%	16%

Frequently asked questions

Quick answers about this company's financials on Fincrux

What is the market cap of FIVE-STAR BUS FIN LTD (FIVESTAR)?

The reported market capitalisation for FIVE-STAR BUS FIN LTD (FIVESTAR) is ₹14,941Cr. on Fincrux. Figures may update with market data and filings.

What is the current share price of FIVESTAR?

The current price shown for FIVE-STAR BUS FIN LTD (FIVESTAR) on Fincrux is ₹506 with a 52-week high/low of ₹666/338.

What is the P/E ratio of FIVE-STAR BUS FIN LTD (FIVESTAR)?

The stock P/E for FIVE-STAR BUS FIN LTD (FIVESTAR) is 13.5 on Fincrux, with ROE at 16.1% and ROCE at 14.8%.

What were FIVESTAR latest quarterly results?

For Jun 2026, FIVE-STAR BUS FIN LTD (FIVESTAR) reported sales ₹829 Cr and net profit ₹271 Cr (figures in ₹ crore unless noted).

What are FIVESTAR annual sales and net profit?

For TTM, FIVE-STAR BUS FIN LTD (FIVESTAR) shows sales of ₹3,260 Cr and net profit of ₹1,104 Cr on the Fincrux profit & loss statement.

Who owns FIVE-STAR BUS FIN LTD (FIVESTAR)?

Latest shareholding for FIVE-STAR BUS FIN LTD (FIVESTAR) on Fincrux: Promoters 18.61% (Sep 2026), FIIs 43.54% (Sep 2026), DIIs 23.54% (Sep 2026), Public 14.33% (Sep 2026), No. of Shareholders 98,866% (Sep 2026).

Where can I find FIVE-STAR BUS FIN LTD (FIVESTAR) financials?

FIVE-STAR BUS FIN LTD (FIVESTAR) financials on Fincrux include quarterly results, profit and loss, cash flow, balance sheet, key ratios, and shareholding patterns for NSE/BSE research.

Does Fincrux show FIVESTAR balance sheet and cash flow?

Yes. The FIVE-STAR BUS FIN LTD (FIVESTAR) page on Fincrux includes balance sheet, cash flow statements, historical ratios, and ownership trends alongside quarterly and annual results.

Figures in ₹ crore unless noted. Data sourced for research and may lag filings.

Last updated 17 October 2026 at 5:25