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Last Updated: February 21, 2026, 1:50 pm
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: February 21, 2026, 1:50 pm

Market Cap 12,952 Cr.
Current Price 440
Intrinsic Value₹481.79
High / Low 850/420
Stock P/E11.7
Book Value 231
Dividend Yield0.45 %
ROCE16.3 %
ROE18.6 %
Face Value 1.00
PEG Ratio0.61

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

View Share Price Target for Five-Star Business Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Minolta Finance Ltd 13.3 Cr. 1.33 1.66/1.00 1.070.00 %0.40 %0.09 % 1.00
Money Masters Leasing & Finance Ltd 7.83 Cr. 0.78 3.14/0.5811.7 1.570.00 %4.42 %3.94 % 1.00
Moneyboxx Finance Ltd 402 Cr. 61.5 125/44.0 40.10.00 %8.65 %0.58 % 10.0
Moongipa Capital Finance Ltd 15.1 Cr. 16.5 24.7/14.812.5 26.60.00 %12.1 %9.43 % 10.0
Morarka Finance Ltd 27.8 Cr. 61.8 138/57.615.0 2381.62 %2.46 %2.17 % 10.0
Industry Average29,034.94 Cr397.6198.82513.450.23%15.81%8.84%8.50

All Competitor Stocks of Five-Star Business Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue387436480519567616666702727752787799815
Interest 637796106129138158163171175187180189
Expenses 119133137144145161169178186204241236255
Financing Profit204226248269294318339361370373359384371
Financing Margin %53%52%52%52%52%52%51%51%51%50%46%48%46%
Other Income 2434333447577
Depreciation 55567767898910
Profit before tax 202224246267290313336358365371355382369
Tax % 25%25%25%25%25%25%25%25%25%25%25%25%25%
Net Profit 151169184199217236252268274279266286277
EPS in Rs 5.185.806.306.847.428.078.609.169.339.489.049.729.41
Gross NPA %1.47%1.62%1.79%2.46%2.64%
Net NPA %0.71%1.25%1.46%

Last Updated: February 2, 2026, 12:16 am

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

  • For Interest, as of Dec 2025, the value is 189.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 180.00 Cr. (Sep 2025) to 189.00 Cr., marking an increase of 9.00 Cr..
  • For Expenses, as of Dec 2025, the value is 255.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 236.00 Cr. (Sep 2025) to 255.00 Cr., marking an increase of 19.00 Cr..
  • For Other Income, as of Dec 2025, the value is 7.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 7.00 Cr..
  • For Depreciation, as of Dec 2025, the value is 10.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9.00 Cr. (Sep 2025) to 10.00 Cr., marking an increase of 1.00 Cr..
  • For Profit before tax, as of Dec 2025, the value is 369.00 Cr.. The value appears to be declining and may need further review. It has decreased from 382.00 Cr. (Sep 2025) to 369.00 Cr., marking a decrease of 13.00 Cr..
  • For Tax %, as of Dec 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 25.00%.
  • For Net Profit, as of Dec 2025, the value is 277.00 Cr.. The value appears to be declining and may need further review. It has decreased from 286.00 Cr. (Sep 2025) to 277.00 Cr., marking a decrease of 9.00 Cr..
  • For EPS in Rs, as of Dec 2025, the value is 9.41. The value appears to be declining and may need further review. It has decreased from 9.72 (Sep 2025) to 9.41, marking a decrease of 0.31.

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: December 15, 2025, 3:44 am

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue861964027871,0501,2541,5212,1832,8483,066
Interest 245573218327302268472672714
Expenses 3064107210237337439582733867
Financing Profit31782213594866148141,1281,4431,485
Financing Margin %37%40%55%46%46%49%54%52%51%48%
Other Income 0111128121823
Depreciation 13410111217253035
Profit before tax 31762183494766048051,1161,4311,473
Tax % 37%28%28%25%25%25%25%25%25%
Net Profit 19541562623594546048361,0721,105
EPS in Rs 13.5828.3065.40103.80142.2615.5720.7128.5836.4337.57
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

Balance Sheet

Last Updated: December 4, 2025, 2:52 am

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 14192426262929292929
Reserves 2105731,3411,9192,2933,6814,3105,1676,2756,777
Borrowing4525289222,3643,4252,5594,2476,3167,9228,376
Other Liabilities 141431455074116177194252
Total Liabilities 6901,1342,3174,3535,7946,3438,70311,68914,42115,435
Fixed Assets 501028253345648692
CWIP 200000006272
Investments 15151500248145108212220
Other Assets 6691,1192,2934,3255,7696,0628,51311,51714,06015,051
Total Assets 6901,1342,3174,3535,7946,3438,70311,68914,42115,435

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

  • For Equity Capital, as of Sep 2025, the value is 29.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 29.00 Cr..
  • For Reserves, as of Sep 2025, the value is 6,777.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,275.00 Cr. (Mar 2025) to 6,777.00 Cr., marking an increase of 502.00 Cr..
  • For Other Liabilities, as of Sep 2025, the value is 252.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 194.00 Cr. (Mar 2025) to 252.00 Cr., marking an increase of 58.00 Cr..
  • For Total Liabilities, as of Sep 2025, the value is 15,435.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 14,421.00 Cr. (Mar 2025) to 15,435.00 Cr., marking an increase of 1,014.00 Cr..
  • For Fixed Assets, as of Sep 2025, the value is 92.00 Cr.. The value appears strong and on an upward trend. It has increased from 86.00 Cr. (Mar 2025) to 92.00 Cr., marking an increase of 6.00 Cr..
  • For CWIP, as of Sep 2025, the value is 72.00 Cr.. The value appears strong and on an upward trend. It has increased from 62.00 Cr. (Mar 2025) to 72.00 Cr., marking an increase of 10.00 Cr..
  • For Investments, as of Sep 2025, the value is 220.00 Cr.. The value appears strong and on an upward trend. It has increased from 212.00 Cr. (Mar 2025) to 220.00 Cr., marking an increase of 8.00 Cr..
  • For Other Assets, as of Sep 2025, the value is 15,051.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,060.00 Cr. (Mar 2025) to 15,051.00 Cr., marking an increase of 991.00 Cr..
  • For Total Assets, as of Sep 2025, the value is 15,435.00 Cr.. The value appears strong and on an upward trend. It has increased from 14,421.00 Cr. (Mar 2025) to 15,435.00 Cr., marking an increase of 1,014.00 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

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -457-940-1,523-157-277-1,123-2,122-1,045
Cash from Investing Activity + 1014-132102-384162210-585
Cash from Financing Activity + 3931,0101,7251,03371,6882,1061,593
Net Cash Flow -538470977-654727194-37

Free Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-422.00-464.00-815.00208.00234.00335.00435.00576.00726.00

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

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

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 34.87%34.39%31.30%26.54%26.51%26.51%21.59%21.55%21.47%21.47%18.57%18.56%
FIIs 6.98%8.74%50.22%54.28%56.06%57.45%56.70%57.76%58.75%58.13%55.80%52.95%
DIIs 5.05%4.71%7.52%7.82%6.97%6.07%8.99%10.10%9.09%9.48%12.16%14.74%
Public 53.10%52.15%10.97%11.36%10.44%9.96%12.71%10.60%10.69%10.93%13.46%13.77%
No. of Shareholders 26,48130,65540,12151,90650,44248,89758,90271,22976,89969,03994,10891,561

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
Kotak Small Cap Fund 5,508,448 1.74 300.44,110,5132026-01-25 06:13:1834.01%
HDFC Mid Cap Fund 3,859,478 0.23 210.48N/AN/AN/A
HDFC Balanced Advantage Fund 3,382,615 0.17 184.47N/AN/AN/A
HDFC Multi Cap Fund 3,363,255 0.92 183.423,110,7412026-01-25 00:37:418.12%
HDFC Large and Mid Cap Fund 2,597,694 0.49 141.67N/AN/AN/A
Motilal Oswal Small Cap Fund 2,264,561 2.12 123.5N/AN/AN/A
HDFC Value Fund 1,846,245 1.32 100.69N/AN/AN/A
HDFC Banking & Financial Services Fund 1,833,192 2.23 99.97N/AN/AN/A
Aditya Birla Sun Life Large and Mid Cap Fund 997,384 0.94 54.39946,5242026-01-25 04:57:385.37%
Tata Banking and Financial Services Fund 960,000 1.62 52.35668,5332025-12-14 00:40:4443.6%

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 February 23, 2026 is: ₹403.97

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 February 23, 2026, Five-Star Business Finance Ltd is Overvalued by 8.19% compared to the current share price ₹440.00

Intrinsic Value of Five-Star Business Finance Ltd as of February 23, 2026 is: ₹481.79

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 February 23, 2026, Five-Star Business Finance Ltd is Undervalued by 9.50% compared to the current share price ₹440.00

Last 5 Year EPS CAGR: 19.26%

*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: 15.81%)
      • 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: 11.7 (Industry average Stock P/E: 98.82)
      • 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 600010Contact not found
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

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

Five-Star Business Finance Ltd's intrinsic value (as of 22 February 2026) is ₹481.79 which is 9.50% higher the current market price of ₹440.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹12,952 Cr. market cap, FY2025-2026 high/low of ₹850/420, reserves of ₹6,777 Cr, and liabilities of ₹15,435 Cr.

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

The Market Cap of Five-Star Business Finance Ltd is 12,952 Cr..

What is the current Stock Price of Five-Star Business Finance Ltd as on 22 February 2026?

The current stock price of Five-Star Business Finance Ltd as on 22 February 2026 is ₹440.

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 ₹850/420.

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

The Stock P/E of Five-Star Business Finance Ltd is 11.7.

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

The Book Value of Five-Star Business Finance Ltd is 231.

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

The Dividend Yield of Five-Star Business Finance Ltd is 0.45 %.

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.

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
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