{"id":185083,"date":"2026-08-05T09:54:25","date_gmt":"2026-08-05T04:24:25","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=185083"},"modified":"2026-08-05T09:54:27","modified_gmt":"2026-08-05T04:24:27","slug":"five-star-business-finance-vs-ugro-capital-comparison","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/","title":{"rendered":"Five Star Business Finance vs Ugro Capital: Which Stock Should You Track"},"content":{"rendered":"<div class=\"meta-block\"><\/div>\n<p style=\"border-left: 4px solid #1F4E79; background: #EBF3FB; padding: 10px 16px; font-style: italic;\"><em>Five Star Business Finance MCap Rs 16,265 Cr, PE 14.74x, ROE 14.89%, D\/E 1.11. Ugro Capital MCap Rs 1,519 Cr, PE 8.69x, ROE 6.02%, D\/E 3.71.<\/em><\/p>\n<p>Five Star Business Finance vs Ugro Capital is a comparison MSME and small business lending investors look up when evaluating two listed non-bank lenders. Five Star Business Finance is a Chennai-headquartered NBFC offering secured business loans to micro and small entrepreneurs in South India, while Ugro Capital is a data science-driven MSME lender operating under a unique co-origination and partnership model.<\/p>\n<p>This Five Star Business Finance vs Ugro Capital article covers reach and market position, key products, latest declared results and stock valuation. The Five Star Business Finance vs Ugro Capital data below is sourced from Groww and public company filings and reflects the most recently available information at the time of writing.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#Five_Star_Business_Finance_vs_Ugro_Capital_Reach_and_Market_Position\" title=\"Five Star Business Finance vs Ugro Capital: Reach and Market Position\">Five Star Business Finance vs Ugro Capital: Reach and Market Position<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#Five_Star_Business_Finance_vs_Ugro_Capital_Key_Products_and_Business_Mix\" title=\"Five Star Business Finance vs Ugro Capital: Key Products and Business Mix\">Five Star Business Finance vs Ugro Capital: Key Products and Business Mix<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#Five_Star_Business_Finance_vs_Ugro_Capital_Latest_Results\" title=\"Five Star Business Finance vs Ugro Capital: Latest Results\">Five Star Business Finance vs Ugro Capital: Latest Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#Five_Star_Business_Finance_vs_Ugro_Capital_Stock_and_Valuation\" title=\"Five Star Business Finance vs Ugro Capital: Stock and Valuation\">Five Star Business Finance vs Ugro Capital: Stock and Valuation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#Five_Star_Business_Finance_vs_Ugro_Capital_Quick_Comparison_Table\" title=\"Five Star Business Finance vs Ugro Capital: Quick Comparison Table\">Five Star Business Finance vs Ugro Capital: Quick Comparison Table<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#What_is_the_main_difference_between_Five_Star_Business_Finance_and_Ugro_Capital\" title=\"What is the main difference between Five Star Business Finance and Ugro Capital?\">What is the main difference between Five Star Business Finance and Ugro Capital?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#Which_company_has_the_higher_ROE\" title=\"Which company has the higher ROE?\">Which company has the higher ROE?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#Which_stock_trades_at_a_lower_PE\" title=\"Which stock trades at a lower P\/E?\">Which stock trades at a lower P\/E?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#Which_company_has_higher_borrowings\" title=\"Which company has higher borrowings?\">Which company has higher borrowings?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#What_is_co-origination_lending\" title=\"What is co-origination lending?\">What is co-origination lending?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#What_risks_apply_to_MSME_lenders\" title=\"What risks apply to MSME lenders?\">What risks apply to MSME lenders?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/five-star-business-finance-vs-ugro-capital-comparison\/#Should_I_invest_in_Five_Star_Business_Finance_or_Ugro_Capital\" title=\"Should I invest in Five Star Business Finance or Ugro Capital?\">Should I invest in Five Star Business Finance or Ugro Capital?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Five_Star_Business_Finance_vs_Ugro_Capital_Reach_and_Market_Position\"><\/span><strong>Five Star Business Finance vs Ugro Capital: Reach and Market Position<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>On the Five Star Business Finance side of the Five Star Business Finance vs Ugro Capital comparison, Five Star Business Finance serves micro and small entrepreneurs primarily in tier 3, 4 and 5 towns across South and Central India with small-ticket secured business loans. Market capitalisation is Rs 16,265 Cr.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/user\/log-in?utm_source=blogs&amp;utm_medium=fivestar-vs-ugrocap\"><strong>Click Here &#8211; Get Free Investment Predictions<\/strong><\/a><\/p>\n<p>On the Ugro Capital side of the Five Star Business Finance vs Ugro Capital comparison, Ugro Capital operates through a data science-led credit model partnering with banks, fintechs and co-lending institutions to originate MSME loans. Market capitalisation is Rs 1,519 Cr.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Five_Star_Business_Finance_vs_Ugro_Capital_Key_Products_and_Business_Mix\"><\/span><strong>Five Star Business Finance vs Ugro Capital: Key Products and Business Mix<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>In the Five Star Business Finance vs Ugro Capital product comparison, Five Star Business Finance offers: Five Star Business Finance offers secured small business loans to micro-entrepreneurs, typically against property, in the Rs 1 lakh to Rs 50 lakh ticket size range. P\/E is 14.74x, ROE 14.89 percent, debt to equity 1.11.<\/p>\n<p>For Ugro Capital in this Five Star Business Finance vs Ugro Capital breakdown: Ugro Capital offers MSME loans through multiple channels including branch, digital and co-lending partnerships, with a focus on underserved business segments. P\/E is 8.69x, ROE 6.02 percent, debt to equity 3.71.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Five_Star_Business_Finance_vs_Ugro_Capital_Latest_Results\"><\/span><strong>Five Star Business Finance vs Ugro Capital: Latest Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Five Star Business Finance vs Ugro Capital results for Five Star Business Finance: Five Star Business Finance has a market cap of Rs 16,265 Cr and P\/E of 14.74x. ROE is 14.89 percent. EPS is Rs 37.39.<\/p>\n<p>The Five Star Business Finance vs Ugro Capital results for Ugro Capital: Ugro Capital has a market cap of Rs 1,519 Cr and P\/E of 8.69x, very cheap compared to Five Star. ROE is 6.02 percent.<\/p>\n<p style=\"margin-top: 24px;\"><a href=\"https:\/\/univest.in\/screeners\"><strong>Compare Five Star Business Finance and Ugro Capital Fundamentals on the Univest Screener<\/strong><\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Five_Star_Business_Finance_vs_Ugro_Capital_Stock_and_Valuation\"><\/span><strong>Five Star Business Finance vs Ugro Capital: Stock and Valuation<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Five Star Business Finance vs Ugro Capital stock comparison uses the latest available market data from Groww. Investors tracking Five Star Business Finance vs Ugro Capital should verify current prices on NSE or BSE before trading.<\/p>\n<p>Five Star Business Finance trades at a market cap of Rs 16,265 Cr and P\/E of 14.74x with a healthy ROE of 14.89 percent. Ugro Capital trades at Rs 1,519 Cr market cap and P\/E of 8.69x, significantly cheaper, but with a lower ROE of 6.02 percent and higher borrowings at 3.71. Five Star is over 10 times Ugro&#8217;s market cap.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Five_Star_Business_Finance_vs_Ugro_Capital_Quick_Comparison_Table\"><\/span><strong>Five Star Business Finance vs Ugro Capital: Quick Comparison Table<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Five Star Business Finance vs Ugro Capital comparison table below summarises the key metrics covered in this article side by side.<\/p>\n<table style=\"border-collapse: collapse; width: 100%;\">\n<tbody>\n<tr>\n<th style=\"border: 1px solid #ccc; padding: 8px;\">Parameter<\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/fivestar\/fivestar-business-finance-ltd-share-price-today\">Five Star Business Finance<\/a><\/th>\n<th style=\"border: 1px solid #ccc; padding: 8px;\"><a href=\"https:\/\/univest.in\/stocks\/ugrocap\/ugro-capital-ltd-share-price-today\">Ugro Capital<\/a><\/th>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Sector<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">MSME: secured micro-entrepreneur loans<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">MSME: data science-led multi-channel lending<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Market Cap<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 16,265 Cr<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Rs 1,519 Cr<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">P\/E Ratio<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">14.74x<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">8.69x<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">ROE<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">14.89%<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">6.02%<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Debt to Equity<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">1.11<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">3.71<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Business model<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Direct secured branch lending, South India focus<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Co-lending, digital, branch \u2014 multi-channel<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Target segment<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">Micro-entrepreneurs, tier 3-5 towns<\/td>\n<td style=\"border: 1px solid #ccc; padding: 8px;\">MSME businesses across India<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Five Star Business Finance vs Ugro Capital comparison above covers the key data points on reach, products, results and valuation. Five Star Business Finance vs Ugro Capital serve the underserved MSME lending segment through different models. Five Star has a proven direct branch model with a healthy ROE, while Ugro is a data science-led platform at a cheaper valuation but with a lower ROE and higher borrowings. Investors should review AUM growth and asset quality and consult a SEBI-registered advisor before investing.<\/p>\n<p style=\"margin-top: 24px;\"><em>Download the <a href=\"https:\/\/apps.apple.com\/in\/app\/univest\/id1543832872\" rel=\"nofollow noopener\" target=\"_blank\">Univest iOS App<\/a> or <a href=\"https:\/\/play.google.com\/store\/apps\/details?id=com.univest.android\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to track Five Star Business Finance and Ugro Capital live price and get daily stock recommendations.<\/em><\/p>\n<div style=\"background: #CC0000; border-radius: 8px; padding: 16px 20px; margin: 24px 0;\">\n<p style=\"color: #ffffff; font-size: 13px; line-height: 1.7; margin: 0;\"><strong style=\"color: #ffffff;\">Disclaimer:<\/strong> Data and figures in this article are sourced from publicly available information, including company results filings and exchange data, and are current as of the time of writing. These may or may not be accurate. Please verify all data with the official NSE (nseindia.com) and BSE (bseindia.com) websites before making any investment decision. Investments in securities are subject to market risk. This content is for educational purposes only and is not investment advice by Univest (SEBI RA INH000013776).<\/p>\n<\/div>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_is_the_main_difference_between_Five_Star_Business_Finance_and_Ugro_Capital\"><\/span><strong>What is the main difference between Five Star Business Finance and Ugro Capital?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Five Star Business Finance lends directly to micro-entrepreneurs in South and Central India through its branch network. Ugro Capital lends through a technology-driven co-origination model partnering with banks, fintechs and digital platforms.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_company_has_the_higher_ROE\"><\/span><strong>Which company has the higher ROE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Five Star Business Finance has an ROE of 14.89 percent, significantly higher than Ugro Capital at 6.02 percent.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_stock_trades_at_a_lower_PE\"><\/span><strong>Which stock trades at a lower P\/E?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Ugro Capital trades at 8.69x trailing earnings, lower than Five Star at 14.74x.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Which_company_has_higher_borrowings\"><\/span><strong>Which company has higher borrowings?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Ugro Capital has a debt to equity of 3.71, higher than Five Star Business Finance at 1.11.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_co-origination_lending\"><\/span><strong>What is co-origination lending?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Co-origination is a model where a NBFC originates loans and immediately assigns a portion to a bank partner&#8217;s balance sheet, reducing NBFC capital requirements and enabling faster scale.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_risks_apply_to_MSME_lenders\"><\/span><strong>What risks apply to MSME lenders?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Both companies face risk from micro and small business loan defaults, funding cost changes and rising competition in the MSME credit segment from banks and fintech lenders.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Should_I_invest_in_Five_Star_Business_Finance_or_Ugro_Capital\"><\/span><strong>Should I invest in Five Star Business Finance or Ugro Capital?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>Ans.<\/strong> Five Star has the higher ROE and proven track record. Ugro is cheaper but earlier stage. Consult a SEBI-registered advisor before investing.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Five Star Business Finance vs Ugro Capital compared on MSME loan book, NIM, asset quality and valuation. 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