What the business is, and whether it's a good one at a fair price.
Lends to micro and small businesses in India, primarily through secured business loans against property, with a loan book (AUM) of ₹13,722 cr as of Q1 FY27. Funds itself by borrowing at a book cost of 8.80%, with the spread between borrowing costs and lending yields (NIM of 19.97%) being the core earnings driver; quarterly disbursements hit a record ₹1,496 cr in Q1 FY27 (+23% QoQ), and total income for the quarter was ₹838.7 cr. Operates through 856 branches with over 500,000 active loan customers; 85-90% of loans are disbursed for a 7-year tenure. Employee cost runs at 19.6% of revenue, with depreciation at 1.2% and other operating expenses at 5.1%; the dominant cost for an NBFC is interest on borrowings. Asset quality shows 83.3% of the book as current, 30-plus DPD at 12.38%, gross Stage 3 at 3.46%, and credit cost at 1.85% of AUM, with collection efficiency at 97.9%.
Measured from the filed financials, judged against its Non Banking Financial Company (NBFC) peers · as of FY26 — not investment advice
How has the market priced it — with filings on the timeline?
▲ positive · ▼ negative · ● neutral filings · teal = economic event · numbered = multiple that day (click to pick). Times IST.
How does it stack up on valuation, returns and growth?
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Quarterly & annual P&L, balance sheet, cash flow, ratios and segments.
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Who owns it — and is the promoter stake clean?
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Answered from FIVE-STAR BUS FIN LTD's filed financials and exchange disclosures
FIVE-STAR BUS FIN LTD is a Finance company listed on NSE and BSE, trading under the symbol FIVESTAR.
Yes. Over the trailing twelve months FIVE-STAR BUS FIN LTD reported a net profit of ₹1,104 Cr on revenue of ₹3,260 Cr.
Yes. The dividend yield is 0.36% at the current price. It paid out 5% of its profit as dividend in FY26.
Effectively yes. It holds ₹1,618 Cr more cash than debt. Debt stands at 0.00× equity.
On trailing P/E, FIVE-STAR BUS FIN LTD ranks 92 of 212 in Non Banking Financial Company (NBFC) — cheaper than 57% of them, against an industry median of 18.2×. This is a position, not a valuation judgement.
On a typical session FIVE-STAR BUS FIN LTD moves 1.25% — that is the median absolute close-to-close move across its last 268 trading days. Announcement days are routinely larger.
Every NSE and BSE filing by FIVE-STAR BUS FIN LTD appears on this page, AI-summarised, alongside the price reaction that followed it. Follow the company to get each new filing on WhatsApp within minutes.
Figures are as last reported and may lag the latest filing. Not investment advice.
