Five-Star Business Finance Ltd is a prominent non-banking financial company (NBFC) in India, primarily focused on providing secured business loans to micro-entrepreneurs and self-employed individuals. Established in 1984 and registered with the Reserve Bank of India (RBI), the company aims to bridge the funding gap for underserved segments of the population who often lack access to traditional banking services.
| P&L Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Revenue | 1,051.25 | 1,256.17 | 1,528.93 | 2,195.10 |
| Cost of Material Consumed | - | - | - | - |
| Gross Margins | - | - | - | - |
| Change in Inventory | - | - | - | - |
| Employee Benefit Expenses | 163.72 | 236.12 | 346.43 | 428.59 |
| Other Expenses | 39.35 | 57.48 | 74.06 | 102.14 |
| EBITDA | - | - | - | - |
| OPM | - | - | - | - |
| Other Income | - | - | - | - |
| Finance Cost | 325.19 | 300.6 | 266.25 | 468.5 |
| D&A | 11.38 | 12.24 | 17.31 | 24.57 |
| EBIT | 476.44 | 604.21 | 804.73 | 1,115.94 |
| EBIT Margins | - | - | - | - |
| PBT | 476.44 | 604.21 | 804.73 | 1,115.94 |
| PBT Margins | - | - | - | - |
| Tax (2021) | 125.94 | 159.59 | 207.15 | 298.83 |
| PAT | 358.99 | 453.54 | 603.5 | 835.92 |
| NPM | 34.19 | 36.16 | 39.68 | 38.29 |
| EPS | ₹140.13 | ₹16.09 | ₹20.71 | ₹28.64 |
| Financial Ratios | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Operating Profit Margin | 77.44 | 73.12 | 71.55 | 73.71 |
| Net Profit Margin | 34.19 | 36.16 | 39.68 | 38.29 |
| Earning Per Share (Diluted) | ₹136.06 | ₹15.92 | ₹20.49 | ₹28.39 |
| Assets | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Fixed Assets | 64.34 | 44.9 | 32.85 | 24.92 |
| CWIP | 0 | 0 | 0 | 0 |
| Investments | 0 | 0 | 0 | 0 |
| Trade Receivables | 0 | 0 | 0 | 0 |
| Inventory | 0 | 0 | 0 | 0 |
| Other Assets | 26.12 | 21.34 | 15.04 | 12.49 |
| Liabilities | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Share Capital | - | - | - | - |
| FV | - | - | - | - |
| Reserves | - | - | - | - |
| Borrowings | 2,121.41 | 3,722.45 | 0 | 6,315.85 |
| Trade Payables | 8.67 | 20.09 | 13 | 25.37 |
| Other Liabilities | 17.17 | 60.7 | 42.86 | 100.32 |
| Total Liabilities | 3,475.44 | 4,363.29 | 2,632.71 | 6,492.62 |
| Cash-Flow Statement | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| PBT | 476.44 | 604.21 | 804.73 | 835.92 |
| OPBWC | -552.94 | -779.12 | -1,765.10 | -2,856.17 |
| Change in Receivables | 0 | 0 | 0 | 0 |
| Change in Inventories | -552.94 | -779.12 | -1,765.10 | -2,856.17 |
| Change in Payables | 3.7 | 4.33 | 7.09 | 5.28 |
| Other Changes | -1,772.19 | -78.13 | -12.3 | - |
| Working Capital Change | - | - | - | - |
| Cash Generated From Operations | - | - | - | - |
| Tax | - | - | - | - |
| Cash Flow From Operations | - | - | - | - |
| Purchase of PPE | - | - | - | - |
| Sale of PPE | - | - | - | - |
| Cash Flow From Investment | - | - | - | - |
| Borrowing | - | - | - | - |
| Divided | - | - | - | - |
| Equity | - | - | - | - |
| Others From Financing | - | - | - | - |
| Cash Flow from Financing | - | - | - | - |
| Net Cash Generated | - | - | - | - |
| Cash at the Start | - | - | - | - |
| Cash at the End | - | - | - | - |
