Five-Star Business Finance cash flow

Latest FY26

Cash from operations: −₹264cr−₹1,045 cr in FY25
Capital spending: ₹25.6cr−69.0% on FY25
Free cash flow: −₹290cr−₹1,128 cr in FY25
Cash from financing: ₹157cr−90.1% on FY25

₹ crore except per share

Tap a line for its trend	Last 12Mto Sep 2026	FY26Mar 2026	FY25Mar 2025	FY24Mar 2024	FY23Mar 2023	FY22 and earlierAlpha Plus

Changes in working capital
Adjustments to reconcile profit — non-cash items						FY22 and earlierEvery year the company has filed comes with Alpha Plus.
	—	37.0	30.4	24.6	17.3
	—	216	89.0	55.4	20.1
	—	737	668	468	266
	—	−3,129	−2,766	−2,117	−1,499
	—	−42.5	−49.4	−44.3	−8.3
	—	6.4	17.8	15.5	0.0
	—	−0.1	−0.0	−0.0	27.3
	—	0.0	0.0	0.0	0.0
	—	2.1	−24.9	−2,881	−1,786
	—	−1,549	−2,074	0.0	0.0
	—	0.0	0.0	−8.6	−6.6
	—	7.0	−11.2	0.0	0.0
	—	5.1	1.4	5.3	7.1
	—	8.3	−26.4	32.9	11.5
	—	0.0	0.0	−5.6	8.2
	—	−0.3	7.2	0.0	0.0
	—	11.5	0.0	8.6	1.1
	—	0.0	9.6	0.0	0.0
Cash from operating activities
	1,463	1,463	1,431	1,116	805
	—	−3,690	−4,128	−4,446	−2,941
	—	−2,227	−2,698	−3,330	−2,136
	—	3,065	2,676	2,007	1,495
	—	735	642	512	280
	—	367	381	287	201
	—	−264	−1,045	−2,122	−1,123
Cash from investing activities
	—	25.6	82.7	22.4	12.1
	—	0.1	0.1	0.1	0.0
	—	0.0	204	0.0	0.0
	—	42.5	99.4	0.0	0.0
	—	0.0	0.0	82.4	0.0
	—	91.0	73.4	47.7	33.1
	—	120	−471	102	141
	—	228	−585	210	162
Cash from financing activities
	—	0.1	0.2	0.1	0.0
	—	21.4	7.9	6.8	0.0
	—	0.0	13.0	0.0	0.0
	—	2,906	3,545	3,929	3,104
	—	2,693	1,958	1,819	1,408
	—	18.9	14.8	10.6	7.8
	—	58.9	0.0	0.0	0.0
	—	0.0	0.0	0.0	0.3
	—	157	1,593	2,106	1,688
	—	121	−37.2	194	727
	—	121	−37.2	194	727
	—	1,618	1,497	1,534	1,340
Reference items
	2,168	2,209	2,111	1,597	1,088
	65.3%	68.7%	74.1%	73.2%	71.2%
	−290	−290	−1,128	−2,145	−1,135
	—	−11.5	478	−76.2	—
	−₹9.84	−₹9.84	−₹38.29	−₹72.83	−₹38.54
	—	−0.24×	−0.97×	−2.54×	−1.86×
	—	367	381	287	201
	—	735	642	512	280

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From the company's filings with NSE and BSE (Ind-AS), standalone. For information only, not investment advice.

alphave

FIVESTAR₹418.85

Five-Star Business Finance Ltd.

· Banking & Finance

₹ CrorePeersAAVAS HOMEFIRST SBFC CUB IIFL KARURVYSYA CHOLAHLDNG CDSLMcap ₹12,335 Cr

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In ₹ Crore except Per Share 12 Months Ending	FY23 31/03/2023	FY24 31/03/2024	FY25 31/03/2025	FY26 31/03/2026	Last 12M 30/09/2026
Adjustments to Reconcile Profit — Non-cash Items
+ Depreciation & Amortisation	17.3	24.6	30.4	37.0	—
+ Impairment Loss / (Reversal)	20.1	55.4	89.0	216.3	—
+ Finance Costs	266.3	468.5	668.0	737.2	—
+ Interest Income	-1,498.8	-2,116.6	-2,766.3	-3,129.1	—
+ Fair Value (Gains) / Losses	-8.3	-44.3	-49.4	-42.5	—
+ Share-based Payments	0.0	15.5	17.8	6.4	—
+ Other Non-cash Items	27.3	-0.0	-0.0	-0.1	—
+ Other Reconciling Items	0.0	0.0	0.0	0.0	—
Changes in Working Capital
+ Other Financial Assets — Current	-1,786.5	-2,881.4	-24.9	2.1	—
+ Other Financial Assets — Non-current	0.0	0.0	-2,073.6	-1,549.2	—
+ Other Current Assets	-6.6	-8.6	0.0	0.0	—
+ Other Non-current Assets	0.0	0.0	-11.2	7.0	—
+ Trade Payables — Current	7.1	5.3	1.4	5.1	—
+ Other Financial Liabilities — Current	11.5	32.9	-26.4	8.3	—
+ Other Current Liabilities	8.2	-5.6	0.0	0.0	—
+ Other Non-current Liabilities	0.0	0.0	7.2	-0.3	—
+ Provisions — Current	1.1	8.6	0.0	11.5	—
+ Provisions — Non-current	0.0	0.0	9.6	0.0	—
Cash from Operating Activities
Profit Before Tax (per I/S)	804.7	1,115.9	1,430.6	1,462.8	1,462.7
+ Total Adjustments (incl. Working Capital)	-2,941.2	-4,445.7	-4,128.5	-3,690.1	—
Cash from Operations (pre-tax)	-2,136.5	-3,329.8	-2,697.9	-2,227.3	—
+ Interest Received — Operating	1,495.1	2,006.5	2,675.8	3,065.0	—
+ Interest Paid — Operating	279.9	511.8	641.7	734.9	—
+ Income Taxes Paid	201.5	287.3	381.2	367.0	—
Cash from Operating Activities	-1,122.8	-2,122.3	-1,045.0	-264.3	—
Cash from Investing Activities
+ Acq of Fixed Assets (Capex)	12.1	22.4	82.7	25.6	—
+ Disp of Fixed Assets	0.0	0.1	0.1	0.1	—
+ Acq of Other Long-term Assets	0.0	0.0	204.3	0.0	—
+ Disp of Other Long-term Assets	0.0	0.0	99.4	42.5	—
+ Sale of Investments (Equity / Debt)	0.0	82.4	0.0	0.0	—
+ Interest Received — Investing	33.1	47.7	73.4	91.0	—
+ Other Inflows / (Outflows) — Investing	140.8	102.3	-471.0	120.4	—
Cash from Investing Activities	161.8	210.2	-585.2	228.4	—
Cash from Financing Activities
+ Proceeds from Issue of Shares	0.0	0.1	0.2	0.1	—
+ Proceeds from Other Equity Instruments	0.0	6.8	7.9	21.4	—
+ Proceeds from Exercise of Stock Options	0.0	0.0	13.0	0.0	—
+ Proceeds from Borrowings	3,103.6	3,929.1	3,545.0	2,906.3	—
+ Repayment of Borrowings	1,407.8	1,819.2	1,958.5	2,693.0	—
+ Payment of Lease Liabilities	7.8	10.6	14.8	18.9	—
+ Dividends Paid	0.0	0.0	0.0	58.9	—
+ Other Inflows / (Outflows) — Financing	0.3	0.0	0.0	0.0	—
Cash from Financing Activities	1,688.2	2,106.2	1,592.9	157.1	—
Net Changes in Cash (pre-FX)	727.2	194.0	-37.2	121.2	—
Net Changes in Cash	727.2	194.0	-37.2	121.2	—
Closing Cash	1,340.4	1,534.4	1,497.2	1,617.9	—
Reference Items
EBITDA	1,088.3	1,596.7	2,110.8	2,209.2	2,167.9
EBITDA Margin %	71.18	73.15	74.12	68.65	65.31
Free Cash Flow (CFO − Capex)	-1,134.9	-2,144.7	-1,127.7	-289.9	-289.9
Free Cash Flow to Equity	—	-76.2	478.5	-11.5	—
Free Cash Flow per Basic Share	-38.54	-72.83	-38.29	-9.84	-9.84
Cash Flow to Net Income	-1.86	-2.54	-0.97	-0.24	—
Cash Paid for Taxes	201.5	287.3	381.2	367.0	—
Cash Paid for Interest	279.9	511.8	641.7	734.9	—

As filed, sign as filed: a payment tagged as a positive magnitude in the filing stays positive here, so read the label, not the sign. A line appears only when the company tagged that concept in at least one period shown — depth follows the filer, so a thin statement means a thin filing. Total Adjustments is the filer's own grand total of the reconciliation and spans BOTH the non-cash items and the working-capital block; Profit Before Tax plus it equals Cash from Operations (pre-tax). It can be reported when its components are not, so it is never a sum of the rows above it. No consensus estimates → no Est columns. Click any row to chart it.

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Data & compliance. Descriptive financial information from official NSE/BSE filings — for information and education only, not investment advice, a recommendation, or a valuation. Standalone = parent entity; consolidated includes subsidiaries. Historical multiples pair each fiscal year's filed figures with that FY-end market close; the Current column uses the last close with the latest filed annuals. Figures are cross-verified via accounting identities and NSE×BSE agreement — XBRL cross-verified ✓ 95%.