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RATING

RECOMMENDATION

Strong Buy

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RATING

RECOMMENDATION

Strong Buy

Business Type

Emerging Leader

  • Five Star Growth

Get detailed information about the Five Star Pre IPO Unlisted shares. In this research report, you will get to know about Five Star Key Ratios data. In addition, get the Complete details about the Net Profit Growth, Revenue Growth and Book Value Growth. 

Five Star Revenue Growth

Growth in %

  • 33.52%

    1 Year

  • 73.58%

    3 Year

  • 85.39%

    5 Year

Rise in interest income on loans by 90.8% from FY19, which is due to increase in loans provided to the customer, interest on deposits with the banks are a reason for significant jump in overall revenues of the company.

In addition, the non-operating income of the company has also increased in the FY20.

Five Star Net Profit Growth(PAT)

Growth in %

  • 36.88%

    1 Year

  • 88.43%

    3 Year

  • 93.48%

    5 Year

Five Star EPS Growth

Growth in %

  • 35.76%

    1 Year

  • 65.69%

    3 Year

  • 60.39%

    5 Year

  • Five Star Book Value Growth

Growth in %

  • 28.52%

    1 Year

  • 54.40%

    3 Year

  • 63.39%

    4 Year

Five Star EBITDA Growth

Growth in %

  • 41.00%

    1 Year

  • 82.01%

    3 Year

  • 87.29%

    5 Year

In the FY20, the company has been able to generate substantial revenues. As a result, a significant growth in the business can be observed as compared to previous year.

Some reasons for increased revenues are:

  • Increase in interest income on loans primarily due to the increase in the loan base of the company
  • Increased interest on deposits with the banks.
  • Rise in other non-operating income of the company such as fee income

Five Star Operating Profit Growth

Growth in %

  • 41.48%

    1 Year

  • 82.52%

    3 Year

  • 87.84%

    5 Year

Five Star Asset Growth

Growth in %

  • 33.09%

    1 Year

  • 71.39%

    3 Year

  • 91.56%

    5 Year

Reasons for increased asset base in the current financial year are:

  • Increase in tangible assets such as computer & accessories, office equipment etc.
  • Increase in loan base by 82.8% from FY19 to FY20.
  • Rise in fixed deposits, bank balances in current & other deposit accounts, this has resulted into increased current assets of the company.

Five Star Cash Flow from Operations

Growth in %

  • NA

    1 Year

  • NA

    3 Year

  • NA

    5 Year

Five Star D/E Ratio

Five Star Current Ratio

Five Star Quick Ratio

Five Star Interest Coverage Ratio

  • Five Star Operating Efficiency

Five Star Operating Profit EBIT Margin(OPM)

The marginal decrease in the margins has been witnessed due to following reasons:

  • Increase in depreciation expenses on right of use assets.
  • Rise in interest expenses on term loans, debt securities etc
  • Increase in other expenses like legal & professional charges, communication costs etc.

In addition, the company has spent significantly on imparting training to its employees in the current financial year, this is expected to increase productivity and result into growth of business in coming times.

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)

The company’s ROE has fallen slightly in the short term, this is primarily due to significant increase in retained earnings and statutory reserves in the FY20 as compared to the previous year.

Five Star Return on Capital Employed(RoCE)

Despite pandemic, the company has been able to generate sufficient returns in the current financial year. In addition, there has been a significant increase in the revenues generated in the form of interest on loans.

Five Star Return to Assets (RoA)

Increase in loans base to the customers which are secured by tangible assets along with increase in cash balance have led to increased asset base, which is a reason for decreased returns w.r.t. assets in the current financial year.

  • Five Star Sector Specific Ratios


Five Star Capital Adequacy Ratio


Five Star Gross NPA

Five Star Net NPA

Five Star Return on Risk Weighted Assets

Five Star Net Interest Margin