Five-Star Business Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: May 31, 2025, 7:47 pm

Market Cap	20,883 Cr.
Current Price	709
High / Low	944/595
Stock P/E	19.5
Book Value	214
Dividend Yield	0.00 %
ROCE	16.3 %
ROE	18.6 %
Face Value	1.00
PEG Ratio	-0.82

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for Five-Star Business Finance Ltd

Competitors of Five-Star Business Finance Ltd

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Minolta Finance Ltd	11.1 Cr.	1.11	1.91/0.66	123	1.08	0.00 %	0.59 %	0.47 %	1.00
Money Masters Leasing & Finance Ltd	14.0 Cr.	1.39	19.5/1.06	27.4	1.57	0.00 %	2.44 %	3.58 %	1.00
Moneyboxx Finance Ltd	639 Cr.	196	373/158	511	81.0	0.00 %	10.7 %	0.74 %	10.0
Moongipa Capital Finance Ltd	18.4 Cr.	20.1	41.0/18.0	13.3	24.9	0.00 %	15.0 %	9.43 %	10.0
Morarka Finance Ltd	51.1 Cr.	114	191/95.0	18.2	212	5.29 %	2.46 %	2.17 %	10.0
Industry Average	26,505.56 Cr	564.85		69.79	511.99	0.25%	16.12%	9.05%	8.49

All Competitor Stocks of Five-Star Business Finance Ltd

Quarterly Result

Metric	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Revenue	326	338	361	387	436	480	519	567	616	666	702	727	752
Interest	63	65	61	63	77	96	106	129	138	158	163	171	175
Expenses	101	84	104	119	133	137	144	145	161	169	178	186	204
Financing Profit	162	189	196	204	226	248	269	294	318	339	361	370	373
Financing Margin %	50%	56%	54%	53%	52%	52%	52%	52%	52%	51%	51%	51%	50%
Other Income	1	1	1	2	4	3	4	3	3	3	4	4	7
Depreciation	4	4	4	5	5	5	6	7	7	6	7	8	9
Profit before tax	159	186	193	202	224	246	267	290	313	336	358	365	371
Tax %	26%	25%	25%	25%	25%	25%	25%	25%	25%	25%	25%	25%	25%
Net Profit	118	139	144	151	169	184	199	217	236	252	268	274	279
EPS in Rs	4.05	4.79	4.95	5.18	5.80	6.30	6.84	7.42	8.07	8.60	9.16	9.33	9.48
Gross NPA %												1.62%
Net NPA %

Last Updated: May 25, 2025, 2:02 pm

Below is a detailed analysis of the quarterly data for Five-Star Business Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

For Interest, as of Mar 2025, the value is 175.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 171.00 Cr. (Dec 2024) to 175.00 Cr., marking an increase of 4.00 Cr..
For Expenses, as of Mar 2025, the value is 204.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 186.00 Cr. (Dec 2024) to 204.00 Cr., marking an increase of 18.00 Cr..
For Other Income, as of Mar 2025, the value is 7.00 Cr.. The value appears strong and on an upward trend. It has increased from 4.00 Cr. (Dec 2024) to 7.00 Cr., marking an increase of 3.00 Cr..
For Depreciation, as of Mar 2025, the value is 9.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 8.00 Cr. (Dec 2024) to 9.00 Cr., marking an increase of 1.00 Cr..
For Profit before tax, as of Mar 2025, the value is 371.00 Cr.. The value appears strong and on an upward trend. It has increased from 365.00 Cr. (Dec 2024) to 371.00 Cr., marking an increase of 6.00 Cr..
For Tax %, as of Mar 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Dec 2024) which recorded 25.00%.
For Net Profit, as of Mar 2025, the value is 279.00 Cr.. The value appears strong and on an upward trend. It has increased from 274.00 Cr. (Dec 2024) to 279.00 Cr., marking an increase of 5.00 Cr..
For EPS in Rs, as of Mar 2025, the value is 9.48. The value appears strong and on an upward trend. It has increased from 9.33 (Dec 2024) to 9.48, marking an increase of 0.15.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: May 15, 2025, 3:32 am

Metric	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Revenue	86	196	402	787	1,050	1,254	1,521	2,183	2,848
Interest	24	55	73	218	327	302	268	472	668
Expenses	30	64	107	210	237	337	439	582	737
Financing Profit	31	78	221	359	486	614	814	1,128	1,443
Financing Margin %	37%	40%	55%	46%	46%	49%	54%	52%	51%
Other Income	0	1	1	1	1	2	8	12	18
Depreciation	1	3	4	10	11	12	17	25	30
Profit before tax	31	76	218	349	476	604	805	1,116	1,431
Tax %	37%	28%	28%	25%	25%	25%	25%	25%	25%
Net Profit	19	54	156	262	359	454	604	836	1,072
EPS in Rs	13.58	28.30	65.40	103.80	142.26	15.57	20.71	28.58	36.43
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	184.21%	188.89%	67.95%	37.02%	26.46%	33.04%	38.41%	28.23%
Change in YoY Net Profit Growth (%)	0.00%	4.68%	-120.94%	-30.93%	-10.56%	6.58%	5.37%	-10.18%

Five-Star Business Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 8 years from 2017-2018 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	%
5 Years:	29%
3 Years:	31%
TTM:	30%

Compounded Profit Growth
10 Years:	%
5 Years:	33%
3 Years:	33%
TTM:	28%

Stock Price CAGR
10 Years:	%
5 Years:	%
3 Years:	%
1 Year:	-6%

Return on Equity
10 Years:	%
5 Years:	17%
3 Years:	17%
Last Year:	19%

Last Updated: Unknown

Balance Sheet

Last Updated: May 13, 2025, 1:44 pm

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	14	19	24	26	26	29	29	29	29
Reserves	210	573	1,341	1,919	2,293	3,681	4,310	5,167	6,275
Borrowing	452	528	922	2,364	3,425	2,559	4,247	6,316	7,922
Other Liabilities	14	14	31	45	50	74	116	177	194
Total Liabilities	690	1,134	2,317	4,353	5,794	6,343	8,703	11,689	14,421
Fixed Assets	5	0	10	28	25	33	45	64	86
CWIP	2	0	0	0	0	0	0	0	62
Investments	15	15	15	0	0	248	145	108	212
Other Assets	669	1,119	2,293	4,325	5,769	6,062	8,513	11,517	14,060
Total Assets	690	1,134	2,317	4,353	5,794	6,343	8,703	11,689	14,421

Below is a detailed analysis of the balance sheet data for Five-Star Business Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

For Equity Capital, as of Mar 2025, the value is 29.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 29.00 Cr..
For Reserves, as of Mar 2025, the value is 6,275.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,167.00 Cr. (Mar 2024) to 6,275.00 Cr., marking an increase of 1,108.00 Cr..
For Other Liabilities, as of Mar 2025, the value is 194.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 177.00 Cr. (Mar 2024) to 194.00 Cr., marking an increase of 17.00 Cr..
For Total Liabilities, as of Mar 2025, the value is 14,421.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 11,689.00 Cr. (Mar 2024) to 14,421.00 Cr., marking an increase of 2,732.00 Cr..
For Fixed Assets, as of Mar 2025, the value is 86.00 Cr.. The value appears strong and on an upward trend. It has increased from 64.00 Cr. (Mar 2024) to 86.00 Cr., marking an increase of 22.00 Cr..
For CWIP, as of Mar 2025, the value is 62.00 Cr.. The value appears strong and on an upward trend. It has increased from 0.00 Cr. (Mar 2024) to 62.00 Cr., marking an increase of 62.00 Cr..
For Investments, as of Mar 2025, the value is 212.00 Cr.. The value appears strong and on an upward trend. It has increased from 108.00 Cr. (Mar 2024) to 212.00 Cr., marking an increase of 104.00 Cr..
For Other Assets, as of Mar 2025, the value is 14,060.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,517.00 Cr. (Mar 2024) to 14,060.00 Cr., marking an increase of 2,543.00 Cr..
For Total Assets, as of Mar 2025, the value is 14,421.00 Cr.. The value appears strong and on an upward trend. It has increased from 11,689.00 Cr. (Mar 2024) to 14,421.00 Cr., marking an increase of 2,732.00 Cr..

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	-457	-940	-1,523	-157	-277	-1,123	-2,122	-1,045
Cash from Investing Activity +	10	14	-132	102	-384	162	210	-585
Cash from Financing Activity +	393	1,010	1,725	1,033	7	1,688	2,106	1,593
Net Cash Flow	-53	84	70	977	-654	727	194	-37

Free Cash Flow

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	-422.00	-464.00	-815.00	208.00	234.00	335.00	435.00	576.00	730.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
ROE %		13%	16%	16%	17%	15%	15%	18%	19%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025
Promoters	34.87%	34.87%	34.39%	31.30%	26.54%	26.51%	26.51%	21.59%	21.55%	21.47%
FIIs	6.54%	6.98%	8.74%	50.22%	54.28%	56.06%	57.45%	56.70%	57.76%	58.75%
DIIs	5.62%	5.05%	4.71%	7.52%	7.82%	6.97%	6.07%	8.99%	10.10%	9.09%
Public	52.96%	53.10%	52.15%	10.97%	11.36%	10.44%	9.96%	12.71%	10.60%	10.69%
No. of Shareholders	27,690	26,481	30,655	40,121	51,906	50,442	48,897	58,902	71,229	76,899

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
HDFC Mid-Cap Opportunities Fund - Regular Plan	3,859,478	0.38	279.41	3,942,848	2025-05-25 05:38:36	-2.11%
HDFC Large and Mid Cap Fund - Regular Plan	2,597,694	0.8	188.06	1,262,745	2025-05-25 05:38:36	105.72%
HDFC Multi Cap Fund	2,510,619	1.14	181.76	1,326,953	2025-05-25 05:38:36	89.2%
HDFC Banking and Financial Services Fund	1,618,093	3.15	117.14	1,418,663	2025-05-25 05:38:36	14.06%
HDFC Balanced Advantage Fund - Regular Plan	1,350,000	0.1	97.73	N/A	N/A	N/A
Invesco India Smallcap Fund	1,125,958	1.39	81.51	N/A	N/A	N/A
Nippon India Nifty Smallcap 250 Index Fund	211,086	0.79	15.28	N/A	N/A	N/A
JM Aggressive Hybrid Fund	132,825	1.25	9.62	N/A	N/A	N/A
JM Aggressive Hybrid Fund - Dividend	132,825	1.25	9.62	N/A	N/A	N/A
Motilal Oswal Nifty Smallcap 250 Index Fund	86,717	0.79	6.28	N/A	N/A	N/A

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	1.00	1.00	1.00	1.00	10.00
Basic EPS (Rs.)	36.61	28.64	20.71	16.09	140.13
Diluted EPS (Rs.)	36.50	28.39	20.49	15.92	136.06
Cash EPS (Rs.)	37.46	29.42	21.31	15.99	144.43
Book Value[Excl.RevalReserv]/Share (Rs.)	214.13	177.68	148.94	127.35	903.95
Book Value[Incl.RevalReserv]/Share (Rs.)	214.13	177.68	148.94	127.35	903.95
Dividend / Share (Rs.)	2.00	0.00	0.00	0.00	0.00
Revenue From Operations / Share (Rs.)	96.72	74.64	52.20	43.04	409.34
PBDIT / Share (Rs.)	72.31	55.02	37.35	31.48	317.03
PBIT / Share (Rs.)	71.28	54.18	36.76	31.06	312.59
PBT / Share (Rs.)	48.59	38.16	27.62	20.74	185.78
Net Profit / Share (Rs.)	36.43	28.58	20.71	15.57	139.99
PBDIT Margin (%)	74.75	73.71	71.55	73.12	77.44
PBIT Margin (%)	73.69	72.58	70.42	72.15	76.36
PBT Margin (%)	50.23	51.12	52.91	48.18	45.38
Net Profit Margin (%)	37.65	38.29	39.68	36.16	34.19
Return on Networth / Equity (%)	17.01	16.08	13.90	12.22	15.48
Return on Capital Employeed (%)	32.95	30.19	21.85	14.39	21.98
Return On Assets (%)	7.43	7.15	6.93	7.15	6.19
Long Term Debt / Equity (X)	0.00	0.00	0.12	0.68	0.56
Total Debt / Equity (X)	1.13	1.22	0.97	0.68	1.48
Asset Turnover Ratio (%)	0.21	0.21	0.20	0.20	0.20
Current Ratio (X)	1.76	1.79	2.26	111.86	2.66
Quick Ratio (X)	1.76	1.79	2.26	111.86	2.66
Interest Coverage Ratio (X)	3.19	3.43	4.09	3.05	2.50
Interest Coverage Ratio (Post Tax) (X)	2.61	2.78	3.27	2.51	2.10
Enterprise Value (Cr.)	26270.67	25677.10	18344.82	0.00	0.00
EV / Net Operating Revenue (X)	9.22	11.76	12.06	0.00	0.00
EV / EBITDA (X)	12.34	15.96	16.86	0.00	0.00
MarketCap / Net Operating Revenue (X)	7.47	9.64	10.31	0.00	0.00
Price / BV (X)	3.38	4.05	3.61	0.00	0.00
Price / Net Operating Revenue (X)	7.47	9.64	10.31	0.00	0.00
EarningsYield	0.05	0.03	0.03	0.00	0.00

After reviewing the key financial ratios for Five-Star Business Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 25, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.00.
For Basic EPS (Rs.), as of Mar 25, the value is 36.61. This value is within the healthy range. It has increased from 28.64 (Mar 24) to 36.61, marking an increase of 7.97.
For Diluted EPS (Rs.), as of Mar 25, the value is 36.50. This value is within the healthy range. It has increased from 28.39 (Mar 24) to 36.50, marking an increase of 8.11.
For Cash EPS (Rs.), as of Mar 25, the value is 37.46. This value is within the healthy range. It has increased from 29.42 (Mar 24) to 37.46, marking an increase of 8.04.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 214.13. It has increased from 177.68 (Mar 24) to 214.13, marking an increase of 36.45.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 214.13. It has increased from 177.68 (Mar 24) to 214.13, marking an increase of 36.45.
For Dividend / Share (Rs.), as of Mar 25, the value is 2.00. This value is within the healthy range. It has increased from 0.00 (Mar 24) to 2.00, marking an increase of 2.00.
For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 96.72. It has increased from 74.64 (Mar 24) to 96.72, marking an increase of 22.08.
For PBDIT / Share (Rs.), as of Mar 25, the value is 72.31. This value is within the healthy range. It has increased from 55.02 (Mar 24) to 72.31, marking an increase of 17.29.
For PBIT / Share (Rs.), as of Mar 25, the value is 71.28. This value is within the healthy range. It has increased from 54.18 (Mar 24) to 71.28, marking an increase of 17.10.
For PBT / Share (Rs.), as of Mar 25, the value is 48.59. This value is within the healthy range. It has increased from 38.16 (Mar 24) to 48.59, marking an increase of 10.43.
For Net Profit / Share (Rs.), as of Mar 25, the value is 36.43. This value is within the healthy range. It has increased from 28.58 (Mar 24) to 36.43, marking an increase of 7.85.
For PBDIT Margin (%), as of Mar 25, the value is 74.75. This value is within the healthy range. It has increased from 73.71 (Mar 24) to 74.75, marking an increase of 1.04.
For PBIT Margin (%), as of Mar 25, the value is 73.69. This value exceeds the healthy maximum of 20. It has increased from 72.58 (Mar 24) to 73.69, marking an increase of 1.11.
For PBT Margin (%), as of Mar 25, the value is 50.23. This value is within the healthy range. It has decreased from 51.12 (Mar 24) to 50.23, marking a decrease of 0.89.
For Net Profit Margin (%), as of Mar 25, the value is 37.65. This value exceeds the healthy maximum of 10. It has decreased from 38.29 (Mar 24) to 37.65, marking a decrease of 0.64.
For Return on Networth / Equity (%), as of Mar 25, the value is 17.01. This value is within the healthy range. It has increased from 16.08 (Mar 24) to 17.01, marking an increase of 0.93.
For Return on Capital Employeed (%), as of Mar 25, the value is 32.95. This value is within the healthy range. It has increased from 30.19 (Mar 24) to 32.95, marking an increase of 2.76.
For Return On Assets (%), as of Mar 25, the value is 7.43. This value is within the healthy range. It has increased from 7.15 (Mar 24) to 7.43, marking an increase of 0.28.
For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. There is no change compared to the previous period (Mar 24) which recorded 0.00.
For Total Debt / Equity (X), as of Mar 25, the value is 1.13. This value exceeds the healthy maximum of 1. It has decreased from 1.22 (Mar 24) to 1.13, marking a decrease of 0.09.
For Asset Turnover Ratio (%), as of Mar 25, the value is 0.21. There is no change compared to the previous period (Mar 24) which recorded 0.21.
For Current Ratio (X), as of Mar 25, the value is 1.76. This value is within the healthy range. It has decreased from 1.79 (Mar 24) to 1.76, marking a decrease of 0.03.
For Quick Ratio (X), as of Mar 25, the value is 1.76. This value is within the healthy range. It has decreased from 1.79 (Mar 24) to 1.76, marking a decrease of 0.03.
For Interest Coverage Ratio (X), as of Mar 25, the value is 3.19. This value is within the healthy range. It has decreased from 3.43 (Mar 24) to 3.19, marking a decrease of 0.24.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 2.61. This value is below the healthy minimum of 3. It has decreased from 2.78 (Mar 24) to 2.61, marking a decrease of 0.17.
For Enterprise Value (Cr.), as of Mar 25, the value is 26,270.67. It has increased from 25,677.10 (Mar 24) to 26,270.67, marking an increase of 593.57.
For EV / Net Operating Revenue (X), as of Mar 25, the value is 9.22. This value exceeds the healthy maximum of 3. It has decreased from 11.76 (Mar 24) to 9.22, marking a decrease of 2.54.
For EV / EBITDA (X), as of Mar 25, the value is 12.34. This value is within the healthy range. It has decreased from 15.96 (Mar 24) to 12.34, marking a decrease of 3.62.
For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 7.47. This value exceeds the healthy maximum of 3. It has decreased from 9.64 (Mar 24) to 7.47, marking a decrease of 2.17.
For Price / BV (X), as of Mar 25, the value is 3.38. This value exceeds the healthy maximum of 3. It has decreased from 4.05 (Mar 24) to 3.38, marking a decrease of 0.67.
For Price / Net Operating Revenue (X), as of Mar 25, the value is 7.47. This value exceeds the healthy maximum of 3. It has decreased from 9.64 (Mar 24) to 7.47, marking a decrease of 2.17.
For EarningsYield, as of Mar 25, the value is 0.05. This value is below the healthy minimum of 5. It has increased from 0.03 (Mar 24) to 0.05, marking an increase of 0.02.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Five-Star Business Finance Ltd as of June 1, 2025 is: 633.36

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of June 1, 2025, Five-Star Business Finance Ltd is Overvalued by 10.67% compared to the current share price 709.00

Intrinsic Value of Five-Star Business Finance Ltd as of June 1, 2025 is: 482.31

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of June 1, 2025, Five-Star Business Finance Ltd is Overvalued by 31.97% compared to the current share price 709.00

Last 5 Year EPS CAGR: -23.85%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Five-Star Business Finance Ltd:
1. Net Profit Margin: 37.65%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 32.95% (Industry Average ROCE: 16.12%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 17.01% (Industry Average ROE: 9.05%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 2.61
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 1.76
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 19.5 (Industry average Stock P/E: 69.79)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 1.13
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

Five-Star Business Finance Ltd. is a Public Limited Listed company incorporated on 07/05/1984 and has its registered office in the State of Tamil Nadu, India. Company's Corporate Identification Number(CIN) is L65991TN1984PLC010844 and registration number is 010844. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 2847.84 Cr. and Equity Capital is Rs. 29.44 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	New No. 27, Old No. 4, Chennai (Madras) Tamil Nadu 600010	secretary@fivestargroup.in http://www.fivestargroup.in

Management
Name	Position Held
Mr. Lakshmipathy Deenadayalan	Chairman & Managing Director
Mr. Thirulokchand Vasan	Non Executive Director
Mr. T T Srinivasaraghavan	Independent Director
Mrs. Bhama Krishnamurthy	Independent Director
Mr. Anand Raghavan	Independent Director
Mr. Ramkumar Ramamoorthy	Independent Director

FAQ

What is the intrinsic value of Five-Star Business Finance Ltd?

Five-Star Business Finance Ltd's intrinsic value (as of 31 May 2025) is ₹633.36 — 10.67% lower the current market price of 709.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 20,883 Cr. market cap, FY2025-2026 high/low of ₹944/595, reserves of 6,275 Cr, and liabilities of 14,421 Cr.

What is the Market Cap of Five-Star Business Finance Ltd?

The Market Cap of Five-Star Business Finance Ltd is 20,883 Cr..

What is the current Stock Price of Five-Star Business Finance Ltd as on 31 May 2025?

The current stock price of Five-Star Business Finance Ltd as on 31 May 2025 is 709.

What is the High / Low of Five-Star Business Finance Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Five-Star Business Finance Ltd stocks is ₹944/595.

What is the Stock P/E of Five-Star Business Finance Ltd?

The Stock P/E of Five-Star Business Finance Ltd is 19.5.

What is the Book Value of Five-Star Business Finance Ltd?

The Book Value of Five-Star Business Finance Ltd is 214.

What is the Dividend Yield of Five-Star Business Finance Ltd?

The Dividend Yield of Five-Star Business Finance Ltd is 0.00 %.

What is the ROCE of Five-Star Business Finance Ltd?

The ROCE of Five-Star Business Finance Ltd is 16.3 %.

What is the ROE of Five-Star Business Finance Ltd?

The ROE of Five-Star Business Finance Ltd is 18.6 %.

What is the Face Value of Five-Star Business Finance Ltd?

The Face Value of Five-Star Business Finance Ltd is 1.00.