Five-Star Business Peer Comparison

NSE: FIVESTAR | BSE: 543663

₹444.00

₹17.10 (4.01%)

As on 11-Nov-2026 10:59IST

Market cap

₹12,936 Cr

Revenue (TTM)

₹3,319 Cr

P/E Ratio

11.6

P/B Ratio

1.6

Div. Yield

0.5 %

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	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Market cap (₹ Cr)	12,936	2,926	2,741	2,551	1,724
Revenue (₹ Cr)	3,319	3,355	2,634	1,784	1,103
Net Profit (₹ Cr)	1,117.02	532.50	325.68	277.13	-59.61
Net Margin (%)	33.22	15.81	12.30	15.41	-5.11
RoE (%)	14.62	17.64	11.02	10.93	-2.66
Price to Earnings	11.58	5.50	8.42	9.21	--
Price-To-Book	1.64	0.92	0.90	0.98	0.74

Income Statement (₹ Cr)

	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Operating Income	3,218.12	3,143.03	2,369.57	1,698.53	1,023.96
Other Income	27.85	21.30	25.93	62.76	670.94
Total Income	3,245.97	3,164.33	2,395.49	1,761.29	1,694.90
Interest Expense	741.76	1,098.32	874.46	567.51	511.08
PBT & Exceptional Items	1,462.82	432.05	208.91	-62.93	-925.48
Operating Expenses	1,004.35	1,603.66	1,268.99	1,247.11	2,093.10
Exceptional Income/Expenses	--	--	--	--	--
Profit before Tax	1,462.82	432.05	208.91	-62.93	-925.48
Taxes	364.07	99.84	38.64	-76.78	-226.33
Profit after Tax	1,098.75	332.21	170.27	13.85	-699.15
Minority Interest	--	4.12	--	--	0.18
Share of Associate	--	--	--	--	--
Consolidated Profit	1,098.75	332.19	170.27	13.85	-699.09

	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Shareholder's Funds	7,380.15	2,863.40	2,854.31	2,455.93	2,129.39
Minority Interest	--	4.12	--	--	0.18
Non-Current Liabilities	5,617.88	5,646.11	4,361.54	2,299.88	642.11
Current Liabilities	2,706.13	5,864.37	5,420.87	3,462.60	2,772.12
Total Liabilities	15,789.74	14,378.00	12,684.81	8,294.80	6,246.38

	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Non-Current Assets	13,548.85	11,800.73	11,382.43	6,145.00	4,153.21
Current Assets	2,155.32	2,577.27	1,254.29	2,073.41	1,390.59
Total Assets	15,789.74	14,378.00	12,684.81	8,294.80	6,246.38
Contingent Liabilities	0.28	25.87	0.50	4.55	56.08

	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Cash From Operating Activities	-264.28	-973.81	-580.33	1,146.25	882.47
Cash Flow from Investing Activities	228.38	-122.93	-41.39	12.17	164.76
Cash from Financing Activities	157.06	1,873.34	625.62	-66.63	-1,513.71
Net Cash Inflow / Outflow	121.15	776.60	3.90	1,091.79	-466.48

	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
ROCE (%)	14.79	12.15	9.44	6.28	-5.77
ROE (%)	16.14	12.30	6.25	0.69	-30.21
ROA (%)	7.32	2.56	1.46	0.17	-10.31
EBIT Margin (%)	69.66	49.65	47.54	30.27	-38.89
Net Margin (%)	33.85	10.50	7.11	0.79	-41.25
Cash Profit Margin (%)	35.29	11.53	9.01	1.38	-66.70

	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Revenue Growth (%)	13.00	22.23	-7.50	-27.54	-56.52
EBIT Growth (%)	5.09	20.98	64.69	285.30	5.16
Net Profit Growth (%)	2.45	78.49	176.52	101.13	32.46
EPS Growth (%)	2.19	78.47	176.44	100.73	36.67
Book Value Growth (%)	17.35	12.51	8.42	49.91	-18.89

	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Price / Earnings	9.47	4.65	14.42	160.76	0.00
Price / Book Value	1.42	0.54	0.87	0.92	0.71
Dividend Yield (%)	0.57	0.00	0.00	0.00	0.00
EV/EBITDA	7.38	6.67	9.79	11.36	-10.62
Market Cap (₹ Cr)	10,409.34	1,543.23	2,454.40	2,226.60	1,479.01

	Five-Star Business	Satin Creditcare	Muthoot Microfin	Fusion Fin	Spandana Sphoorty
Debt to Equity	1.12	3.84	3.37	2.30	1.90
Short term debt to equity ratio	0.35	1.89	1.85	1.31	1.24
Current Ratio	0.80	0.44	0.23	0.60	0.50
Quick Ratio	0.80	0.44	0.23	0.60	0.50
Interest Coverage	2.97	1.39	1.24	0.89	-0.81

*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.