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K

RATING

RECOMMENDATION

Strong Buy

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RATING

RECOMMENDATION

Strong Buy

Business Type

Emerging Leader

  • Five Star Growth

Get info on Five Star Unlisted Shares before buying, selling and investing - Read our Research report on Five Star Peer Comparison Information like - Revenue Growth, EPS Growth, & Five Star Profitablity Ratios.

Five Star Revenue Growth

Growth in %

  • 32.59%

    1 Year

  • 72.61%

    3 Year

  • 81.97%

    5 Year

Revenue of the company is continuously increasing, despite of the pandemic, they have recovered in 2nd half of the FY21.  The company has seen increase in Interest income from loans but due to market volatility , interest income from deposits has seen a fall. We can see an increase in the growth ratios of the company which is primarily because of its organic expansion. The company added 10 branches resulting in the branch network increasing to 262 from 252 during the previous financial year.

Five Star Net Profit Growth(PAT)

Growth in %

  • 37.05%

    1 Year

  • 88.67%

    3 Year

  • 92.11%

    5 Year

The company has seen a jump of around 37%, which is a result of company's focus on a particular segment and efficient observation on changes in customer behavior, products, regulatory landscape and navigating economic.

Even when peers of the company saw increase in bad loans, Five Star had to create less amount of loss provisions from previous years. By June'20 their collection efficiency rebounded to 92.26%, being one of the first NBFCs to reach a collection efficiency of 90% since the beginning of the pandemic, and subsequently averaged 93.28% collection efficiency for the second quarter of Financial Year 2021.

Five Star EPS Growth

Growth in %

  • 35.11%

    1 Year

  • 65.09%

    3 Year

  • 59.55%

    5 Year

  • Five Star Book Value Growth

Growth in %

  • 28.80%

    1 Year

  • 73.60%

    3 Year

  • 92.15%

    5 Year

Five Star EBITDA Growth

Growth in %

  • 35.74%

    1 Year

  • 84.87%

    3 Year

  • 87.09%

    5 Year


Five Star Operating Profit Growth

Growth in %

  • 36.40%

    1 Year

  • 85.52%

    3 Year

  • 87.12%

    5 Year

Operating efficiency of the company has improved, this can be illustrated by company's performance during demonetization, GST implementation and the COVID-19 pandemic. They have effectively tackled all the problems and has managed their customers well. Despite the difficult times the company closed the year with a Gross Stage 3 Assets (90+ Assets) of 1.02%, which is one of the best amongst companies operating in this customer segment.

Five Star Asset Growth

Growth in %

  • 33.09%

    1 Year

  • 71.38%

    3 Year

  • 91.45%

    5 Year

In FY21 Five Star has seen huge growth in its loan book, which has increased its financial assets, the increase specifically took off in 3rd and 4th quarter. There was increase in term loans as well as loans based on collaterals. While the tangible assets of the company which includes computers and vehicles has decreased. Cash of the NBFC has also increased in its current and short term maturity account due to the RBI guidelines and increase in expected demand for liquid cash during pandemic.

Five Star Cash Flow from Operations

Growth in %

  • NA

    1 Year

  • NA

    3 Year

  • NA

    5 Year

The effects of the COVID-19 pandemic on future results of operations, cash flows and financial condition could adversely affect company's ability to service debt obligations and comply with the covenants in credit facilities and other financing agreements and could result in events of default and the acceleration of indebtedness, but as of now, all the operations are going smoothly and even in Fy21 Cash from operations of the company has improved.

Five Star D/E Ratio

Five Star Current Ratio

Five Star Quick Ratio

Five Star Interest Coverage Ratio

  • Five Star Operating Efficiency

There is marginal increase in all the operating ratios with respect to the last financial year due to increased revenue and cost reduction due to economies of scale. One of the main reason for the same was reduction in provision for bad debts, which is a good sign for the company as they are able to recover maximum amount of loan provided which reduces their risk. The operating efficiency of the company is better than its peers which signifies a strong efficiency position.

Five Star Operating Profit EBIT Margin(OPM)


Five Star Profit Before Tax Margin (PBT Margin)

Five Star Profit After Tax Margin (PAT Margin)

  • Five Star Profitablity Ratio


Five Star Return on Equity(RoE)

Five Star has the second best ROE of 16.8% after AU Small Finance Bank in FY21. While it has witnessed highest growth in PAT over fiscal 2016 and 2021.

In FY21 company earned optimum amount of profit while, there was small change in reserves of the company, as due to RBI guidelines NBFC's had to increase their reserves. Hence company was able to provide optimum returns to shareholders.

Five Star Return to Assets (RoA)

Five Star posted the highest RoA between fiscal 2019 and 2021, with its average RoA over this time period being 7.9%. Despite the pandemic in FY21, the company has posted a strong RoA of 7.1%, it is quite lower from previous years, as due to pandemic, despite increase in company's profit, they couldn't provide optimum returns. But Five Star has outperformed its peers.

  • Five Star Valuation Ratios

Five Star Earning Yield

  • Five Star Unnamed Ratios

Five Star CAR

Five Star Tier 1

Five Star Tier 2

Five Star Maintainance Margin Requirement

  • Five Star NBFC's Ratios

Five Star Tier 1 Capital Ratio

Five Star Tier 2 Capital Ratio

Five Star Tangibe Book Value

Five Star AUM

Five Star AUM Growth

  • Five Star Sector Specific Ratios


Five Star Net NPA

Most of the NPA of the company is from small business loans involving manufacturing and service sector. While in FY21 company had lower level of NPA i.e., 3707.53 Cr. in comparison to FY20

Five Star Gross NPA

Five Star is among the three best for Gross Non-Performing Assets(“Gross NPA”) as a percentage of AUM as of March 31, 2021, they had a Gross NPA as a percentage of AUM of 1.02%.

while they have the best asset quality among lenders identified by CRISIL as engaged in extending MSME business loans, 

with other lenders reporting 90+ DPD in excess of 2%.

Five Star Return on Risk Weighted Assets

The Assets under management(AUM) of the company has increased as they continued its financing business by focusing on small business loans and small housing loans which has improved the financial health and growth of the Company.

Return on Risk weighted assets of the company has also increased as company is trying to deal more in secured assets and is utilizing them efficiently.

Five Star Capital Adequacy Ratio

The company maintains an actively managed capital base to cover risks inherent in the business and is meeting the capital adequacy requirements of the regulator, RBI. Capital Adequacy Ratio of your Company stood at 58.86% as on March 31, 2021, as against the minimum requirement of 15% stipulated by Reserve Bank of India.