Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post
Last Updated on: 13 November, 2025
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 543663 | NSE: FIVESTAR

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

Share Price and Basic Stock Data

Last Updated: November 12, 2025, 11:43 pm

Market Cap 18,128 Cr.
Current Price 615
High / Low 850/501
Stock P/E16.4
Book Value 231
Dividend Yield0.33 %
ROCE16.3 %
ROE18.6 %
Face Value 1.00
PEG Ratio0.87

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

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 11.3 Cr. 1.13 1.91/0.8675.3 1.070.00 %0.40 %0.09 % 1.00
Money Masters Leasing & Finance Ltd 11.0 Cr. 1.10 12.8/1.0332.5 1.570.00 %4.42 %3.94 % 1.00
Moneyboxx Finance Ltd 478 Cr. 147 269/130 80.10.00 %8.65 %0.58 % 10.0
Moongipa Capital Finance Ltd 14.3 Cr. 15.6 37.9/15.010.6 26.60.00 %12.1 %9.43 % 10.0
Morarka Finance Ltd 44.1 Cr. 98.0 180/90.023.6 2381.02 %2.46 %2.17 % 10.0
Industry Average29,195.25 Cr465.9398.87517.730.21%15.80%8.84%8.50

All Competitor Stocks of Five-Star Business Finance Ltd

Quarterly Result

MetricJun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Revenue338361387436480519567616666702727752787
Interest 6561637796106129138158163171175187
Expenses 84104119133137144145161169178186204241
Financing Profit189196204226248269294318339361370373359
Financing Margin %56%54%53%52%52%52%52%52%51%51%51%50%46%
Other Income 1124343334475
Depreciation 4455567767898
Profit before tax 186193202224246267290313336358365371355
Tax % 25%25%25%25%25%25%25%25%25%25%25%25%25%
Net Profit 139144151169184199217236252268274279266
EPS in Rs 4.794.955.185.806.306.847.428.078.609.169.339.489.04
Gross NPA %1.62%1.79%
Net NPA %

Last Updated: August 19, 2025, 3:35 pm

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

  • For Interest, as of Jun 2025, the value is 187.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 175.00 Cr. (Mar 2025) to 187.00 Cr., marking an increase of 12.00 Cr..
  • For Expenses, as of Jun 2025, the value is 241.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 204.00 Cr. (Mar 2025) to 241.00 Cr., marking an increase of 37.00 Cr..
  • For Other Income, as of Jun 2025, the value is 5.00 Cr.. The value appears to be declining and may need further review. It has decreased from 7.00 Cr. (Mar 2025) to 5.00 Cr., marking a decrease of 2.00 Cr..
  • For Depreciation, as of Jun 2025, the value is 8.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 9.00 Cr. (Mar 2025) to 8.00 Cr., marking a decrease of 1.00 Cr..
  • For Profit before tax, as of Jun 2025, the value is 355.00 Cr.. The value appears to be declining and may need further review. It has decreased from 371.00 Cr. (Mar 2025) to 355.00 Cr., marking a decrease of 16.00 Cr..
  • For Tax %, as of Jun 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 25.00%.
  • For Net Profit, as of Jun 2025, the value is 266.00 Cr.. The value appears to be declining and may need further review. It has decreased from 279.00 Cr. (Mar 2025) to 266.00 Cr., marking a decrease of 13.00 Cr..
  • For EPS in Rs, as of Jun 2025, the value is 9.04. The value appears to be declining and may need further review. It has decreased from 9.48 (Mar 2025) to 9.04, marking a decrease of 0.44.

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: October 15, 2025, 3:21 am

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue861964027871,0501,2541,5212,1832,8482,968
Interest 245573218327302268472672697
Expenses 3064107210237337439582733809
Financing Profit31782213594866148141,1281,4431,462
Financing Margin %37%40%55%46%46%49%54%52%51%49%
Other Income 0111128121819
Depreciation 13410111217253032
Profit before tax 31762183494766048051,1161,4311,449
Tax % 37%28%28%25%25%25%25%25%25%
Net Profit 19541562623594546048361,0721,087
EPS in Rs 13.5828.3065.40103.80142.2615.5720.7128.5836.4337.01
Dividend Payout % 0%0%0%0%0%0%0%0%5%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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:25%
Compounded Profit Growth
10 Years:%
5 Years:33%
3 Years:33%
TTM:20%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:%
1 Year:-31%
Return on Equity
10 Years:%
5 Years:17%
3 Years:17%
Last Year:19%

Last Updated: September 5, 2025, 3:30 pm

No data available for the Balance Sheet data table.

Reserves and Borrowings Chart

Cash Flow - No data available for this post.

Free Cash Flow Chart

Financial Efficiency Indicators

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

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025
Promoters34.87%34.87%34.39%31.30%26.54%26.51%26.51%21.59%21.55%21.47%21.47%18.57%
FIIs6.54%6.98%8.74%50.22%54.28%56.06%57.45%56.70%57.76%58.75%58.13%55.80%
DIIs5.62%5.05%4.71%7.52%7.82%6.97%6.07%8.99%10.10%9.09%9.48%12.16%
Public52.96%53.10%52.15%10.97%11.36%10.44%9.96%12.71%10.60%10.69%10.93%13.46%
No. of Shareholders27,69026,48130,65540,12151,90650,44248,89758,90271,22976,89969,03994,108

Shareholding Pattern Chart

No. of Shareholders

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

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
HDFC Mid-Cap Opportunities Fund - Regular Plan 3,859,478 0.38 279.413,942,8482025-05-25 05:38:36-2.11%
HDFC Large and Mid Cap Fund - Regular Plan 2,597,694 0.8 188.061,262,7452025-05-25 05:38:36105.72%
HDFC Multi Cap Fund 2,510,619 1.14 181.761,326,9532025-05-25 05:38:3689.2%
HDFC Banking and Financial Services Fund 1,618,093 3.15 117.141,418,6632025-05-25 05:38:3614.06%
HDFC Balanced Advantage Fund - Regular Plan 1,350,000 0.1 97.73N/AN/AN/A
Invesco India Smallcap Fund 1,125,958 1.39 81.51N/AN/AN/A
Nippon India Nifty Smallcap 250 Index Fund 211,086 0.79 15.28N/AN/AN/A
JM Aggressive Hybrid Fund 132,825 1.25 9.62N/AN/AN/A
JM Aggressive Hybrid Fund - Dividend 132,825 1.25 9.62N/AN/AN/A
Motilal Oswal Nifty Smallcap 250 Index Fund 86,717 0.79 6.28N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 1.001.001.001.0010.00
Basic EPS (Rs.) 36.6128.6420.7116.09140.13
Diluted EPS (Rs.) 36.5028.3920.4915.92136.06
Cash EPS (Rs.) 37.4629.4221.3115.99144.43
Book Value[Excl.RevalReserv]/Share (Rs.) 214.13177.68148.94127.35903.95
Book Value[Incl.RevalReserv]/Share (Rs.) 214.13177.68148.94127.35903.95
Dividend / Share (Rs.) 2.000.000.000.000.00
Revenue From Operations / Share (Rs.) 96.7274.6452.2043.04409.34
PBDIT / Share (Rs.) 72.3155.0237.3531.48317.03
PBIT / Share (Rs.) 71.2854.1836.7631.06312.59
PBT / Share (Rs.) 48.5938.1627.6220.74185.78
Net Profit / Share (Rs.) 36.4328.5820.7115.57139.99
PBDIT Margin (%) 74.7573.7171.5573.1277.44
PBIT Margin (%) 73.6972.5870.4272.1576.36
PBT Margin (%) 50.2351.1252.9148.1845.38
Net Profit Margin (%) 37.6538.2939.6836.1634.19
Return on Networth / Equity (%) 17.0116.0813.9012.2215.48
Return on Capital Employeed (%) 32.9530.1921.8514.3921.98
Return On Assets (%) 7.437.156.937.156.19
Long Term Debt / Equity (X) 0.000.000.120.680.56
Total Debt / Equity (X) 1.261.220.970.681.48
Asset Turnover Ratio (%) 0.210.210.200.200.20
Current Ratio (X) 1.761.792.26111.862.66
Quick Ratio (X) 1.761.792.26111.862.66
Interest Coverage Ratio (X) 3.193.434.093.052.50
Interest Coverage Ratio (Post Tax) (X) 2.612.783.272.512.10
Enterprise Value (Cr.) 27052.4525677.1018344.820.000.00
EV / Net Operating Revenue (X) 9.5011.7612.060.000.00
EV / EBITDA (X) 12.7115.9616.860.000.00
MarketCap / Net Operating Revenue (X) 7.479.6410.310.000.00
Price / BV (X) 3.384.053.610.000.00
Price / Net Operating Revenue (X) 7.479.6410.310.000.00
EarningsYield 0.050.030.030.000.00

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 1.26. This value exceeds the healthy maximum of 1. It has increased from 1.22 (Mar 24) to 1.26, marking an increase of 0.04.
  • 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 27,052.45. It has increased from 25,677.10 (Mar 24) to 27,052.45, marking an increase of 1,375.35.
  • For EV / Net Operating Revenue (X), as of Mar 25, the value is 9.50. This value exceeds the healthy maximum of 3. It has decreased from 11.76 (Mar 24) to 9.50, marking a decrease of 2.26.
  • For EV / EBITDA (X), as of Mar 25, the value is 12.71. This value is within the healthy range. It has decreased from 15.96 (Mar 24) to 12.71, marking a decrease of 3.25.
  • 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 November 13, 2025 is: 565.57

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 November 13, 2025, Five-Star Business Finance Ltd is Overvalued by 8.04% compared to the current share price 615.00

Intrinsic Value of Five-Star Business Finance Ltd as of November 13, 2025 is: 672.50

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 November 13, 2025, Five-Star Business Finance Ltd is Undervalued by 9.35% compared to the current share price 615.00

Last 5 Year EPS CAGR: 18.91%

*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: 15.8%)
      • 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: 8.84%)
      • 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: 16.4 (Industry average Stock P/E: 98.87)
      • 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: 1.26
      • 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.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)New No. 27, Old No. 4, Chennai (Madras) Tamil Nadu 600010secretary@fivestargroup.in
http://www.fivestargroup.in
Management
NamePosition Held
Mr. Lakshmipathy DeenadayalanChairman & Managing Director
Mr. Srikanth GopalakrishnanJoint Managing Director & CFO
Mr. Anand RaghavanIndependent Director
Mr. T T SrinivasaraghavanIndependent Director
Mrs. Bhama KrishnamurthyIndependent Director
Mr. Ramkumar RamamoorthyIndependent Director
Mr. Thirulokchand VasanNon Executive Director
FAQ: Stock data is invalid or not in the correct format.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Five-Star Business Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
Explore More Stocks