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Last Updated on: 12 March, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo
Stock Ticker - BSE: 543663 | NSE: FIVESTAR

Five-Star Business Finance Ltd: Share Price Analysis, Intrinsic Value & Fundamentals (2025)

Share Price and Basic Stock Data

Last Updated: March 11, 2025, 10:41 pm

Market Cap 19,133 Cr.
Current Price 651
High / Low 944/600
Stock P/E18.6
Book Value 195
Dividend Yield0.00 %
ROCE15.8 %
ROE17.5 %
Face Value 1.00
PEG Ratio-0.76

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 ⇩
Money Masters Leasing & Finance Ltd 28.1 Cr. 2.80 19.5/2.5836.0 1.560.00 %2.57 %4.07 % 1.00
Moneyboxx Finance Ltd 602 Cr. 184 373/15856.5 81.00.00 %11.4 %7.45 % 10.0
Moongipa Capital Finance Ltd 19.0 Cr. 20.7 41.0/17.79.80 8.690.00 %34.9 %31.6 % 10.0
Morarka Finance Ltd 47.7 Cr. 106 191/95.017.0 3875.66 %4.04 %3.58 % 10.0
Morgan Ventures Ltd 78.8 Cr. 79.5 154/34.83.20 75.00.00 %10.5 %16.9 % 10.0
Industry Average24,694.23 Cr505.1237.21539.620.27%19.61%10.68%8.56

All Competitor Stocks of Five-Star Business Finance Ltd

Quarterly Result

MetricDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Revenue317326338361387436480519567616666702727
Interest 72636561637796106129138158163171
Expenses 8610184104119133137144145161169178186
Financing Profit159162189196204226248269294318339361370
Financing Margin %50%50%56%54%53%52%52%52%52%52%51%51%51%
Other Income 1111243433344
Depreciation 3444555677678
Profit before tax 157159186193202224246267290313336358365
Tax % 25%26%25%25%25%25%25%25%25%25%25%25%25%
Net Profit 118118139144151169184199217236252268274
EPS in Rs 4.074.054.794.955.185.806.306.847.428.078.609.169.33
Gross NPA %1.62%
Net NPA %

Last Updated: March 4, 2025, 12:19 pm

Below is a detailed analysis of the quarterly data for Five-Star Business Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

  • For Interest, as of Dec 2024, the value is ₹171.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 163.00 Cr. (Sep 2024) to ₹171.00 Cr., marking an increase of ₹8.00 Cr..
  • For Expenses, as of Dec 2024, the value is ₹186.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 178.00 Cr. (Sep 2024) to ₹186.00 Cr., marking an increase of ₹8.00 Cr..
  • For Other Income, as of Dec 2024, the value is ₹4.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 4.00 Cr..
  • For Depreciation, as of Dec 2024, the value is ₹8.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7.00 Cr. (Sep 2024) to ₹8.00 Cr., marking an increase of ₹1.00 Cr..
  • For Profit before tax, as of Dec 2024, the value is ₹365.00 Cr.. The value appears strong and on an upward trend. It has increased from 358.00 Cr. (Sep 2024) to ₹365.00 Cr., marking an increase of ₹7.00 Cr..
  • For Tax %, as of Dec 2024, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Sep 2024) which recorded 25.00%.
  • For Net Profit, as of Dec 2024, the value is ₹274.00 Cr.. The value appears strong and on an upward trend. It has increased from 268.00 Cr. (Sep 2024) to ₹274.00 Cr., marking an increase of ₹6.00 Cr..
  • For EPS in Rs, as of Dec 2024, the value is 9.33. The value appears strong and on an upward trend. It has increased from ₹9.16 (Sep 2024) to 9.33, marking an increase of ₹0.17.

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: March 6, 2025, 1:08 pm

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Revenue861964027871,0501,2541,5212,1832,712
Interest 245573218327302268472630
Expenses 3064107210237337439582694
Financing Profit31782213594866148141,1281,388
Financing Margin %37%40%55%46%46%49%54%52%51%
Other Income 01111281214
Depreciation 134101112172529
Profit before tax 31762183494766048051,1161,373
Tax % 37%28%28%25%25%25%25%25%
Net Profit 19541562623594546048361,029
EPS in Rs 13.5828.3065.40103.80142.2615.5720.7128.5835.16
Dividend Payout % 0%0%0%0%0%0%0%0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2017-20182018-20192019-20202020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)184.21%188.89%67.95%37.02%26.46%33.04%38.41%
Change in YoY Net Profit Growth (%)0.00%4.68%-120.94%-30.93%-10.56%6.58%5.37%

Five-Star Business Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 7 years from 2017-2018 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:%
5 Years:40%
3 Years:28%
TTM:35%
Compounded Profit Growth
10 Years:%
5 Years:40%
3 Years:33%
TTM:34%
Stock Price CAGR
10 Years:%
5 Years:%
3 Years:%
1 Year:0%
Return on Equity
10 Years:%
5 Years:16%
3 Years:16%
Last Year:18%

Last Updated: Unknown

Balance Sheet

Last Updated: November 14, 2024, 3:36 pm

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Sep 2024
Equity Capital 141924262629292929
Reserves 2105731,3411,9192,2933,6814,3105,1675,694
Borrowings 4525289222,3643,4252,5594,2476,3166,880
Other Liabilities 141431455074116177217
Total Liabilities 6901,1342,3174,3535,7946,3438,70311,68912,820
Fixed Assets 5010282533456472
CWIP 200000000
Investments 15151500248145108205
Other Assets 6691,1192,2934,3255,7696,0628,51311,51712,542
Total Assets 6901,1342,3174,3535,7946,3438,70311,68912,820

Below is a detailed analysis of the balance sheet data for Five-Star Business Finance Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

  • For Equity Capital, as of Sep 2024, 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 Sep 2024, the value is ₹5,694.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹5,167.00 Cr. (Mar 2024) to ₹5,694.00 Cr., marking an increase of 527.00 Cr..
  • For Borrowings, as of Sep 2024, the value is ₹6,880.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from ₹6,316.00 Cr. (Mar 2024) to ₹6,880.00 Cr., marking an increase of 564.00 Cr..
  • For Other Liabilities, as of Sep 2024, the value is ₹217.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹177.00 Cr. (Mar 2024) to ₹217.00 Cr., marking an increase of 40.00 Cr..
  • For Total Liabilities, as of Sep 2024, the value is ₹12,820.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from ₹11,689.00 Cr. (Mar 2024) to ₹12,820.00 Cr., marking an increase of 1,131.00 Cr..
  • For Fixed Assets, as of Sep 2024, the value is ₹72.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹64.00 Cr. (Mar 2024) to ₹72.00 Cr., marking an increase of 8.00 Cr..
  • For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded ₹0.00 Cr..
  • For Investments, as of Sep 2024, the value is ₹205.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹108.00 Cr. (Mar 2024) to ₹205.00 Cr., marking an increase of 97.00 Cr..
  • For Other Assets, as of Sep 2024, the value is ₹12,542.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹11,517.00 Cr. (Mar 2024) to ₹12,542.00 Cr., marking an increase of 1,025.00 Cr..
  • For Total Assets, as of Sep 2024, the value is ₹12,820.00 Cr.. The value appears strong and on an upward trend. It has increased from ₹11,689.00 Cr. (Mar 2024) to ₹12,820.00 Cr., marking an increase of 1,131.00 Cr..

However, the Borrowings (6,880.00 Cr.) are higher than the Reserves (₹5,694.00 Cr.), which may signal higher financial risk.

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 2024
Cash from Operating Activity +-457-940-1,523-157-277-1,123-2,122
Cash from Investing Activity +1014-132102-384162210
Cash from Financing Activity +3931,0101,7251,03371,6882,106
Net Cash Flow-538470977-654727194

Free Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow-422.00-464.00-815.00208.00234.00335.00435.00576.00

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 2024
Debtor Days00000000
Inventory Days
Days Payable
Cash Conversion Cycle00000000
Working Capital Days3757-18-14-11-12-14-15
ROCE %15%17%17%16%15%14%16%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024
Promoters34.87%34.87%34.39%31.30%26.54%26.51%26.51%
FIIs6.54%6.98%8.74%50.22%54.28%56.06%57.45%
DIIs5.62%5.05%4.71%7.52%7.82%6.97%6.07%
Public52.96%53.10%52.15%10.97%11.36%10.44%9.96%
No. of Shareholders27,69026,48130,65540,12151,90650,44248,897

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
HDFC Mid-Cap Opportunities Fund - Regular Plan3,942,8480.44312.771,418,6632025-03-11177.93%
HDFC Banking and Financial Services Fund1,418,6633.1112.541,418,6632025-03-110%
HDFC Multi Cap Fund1,326,9530.68105.261,418,6632025-03-11-6.46%
HDFC Large and Mid Cap Fund - Regular Plan1,262,7450.47100.171,418,6632025-03-11-10.99%
Tata Banking and Financial Services Fund547,5511.9543.431,418,6632025-03-11-61.4%
Tata Business Cycle Fund345,5451.0727.411,418,6632025-03-11-75.64%
Mirae Asset Banking and Financial Services Fund300,3001.3123.821,418,6632025-03-11-78.83%
Edelweiss Recently Listed IPO Fund265,0002.2221.021,418,6632025-03-11-81.32%
Tata Multi Asset Opportunities Fund240,4790.6319.081,418,6632025-03-11-83.05%
WhiteOak Capital Flexi Cap Fund238,5130.5318.921,418,6632025-03-11-83.19%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 1.001.001.0010.0010.00
Basic EPS (Rs.) 28.6420.7116.09140.13103.24
Diluted EPS (Rs.) 28.3920.4915.92136.06100.70
Cash EPS (Rs.) 29.4221.3115.99144.43106.33
Book Value[Excl.RevalReserv]/Share (Rs.) 177.68148.94127.35903.95760.13
Book Value[Incl.RevalReserv]/Share (Rs.) 177.68148.94127.35903.95760.13
Revenue From Operations / Share (Rs.) 74.6452.2043.04409.34307.52
PBDIT / Share (Rs.) 55.0237.3531.48317.03225.28
PBIT / Share (Rs.) 54.1836.7631.06312.59221.34
PBT / Share (Rs.) 38.1627.6220.74185.78136.54
Net Profit / Share (Rs.) 28.5820.7115.57139.99102.40
PBDIT Margin (%) 73.7171.5573.1277.4473.25
PBIT Margin (%) 72.5870.4272.1576.3671.97
PBT Margin (%) 51.1252.9148.1845.3844.39
Net Profit Margin (%) 38.2939.6836.1634.1933.29
Return on Networth / Equity (%) 16.0813.9012.2215.4813.47
Return on Capital Employeed (%) 30.1921.8514.3921.9828.78
Return On Assets (%) 7.156.937.156.196.01
Long Term Debt / Equity (X) 0.000.120.680.560.00
Total Debt / Equity (X) 1.220.970.681.481.22
Asset Turnover Ratio (%) 0.210.200.200.200.23
Current Ratio (X) 1.792.26111.862.661.80
Quick Ratio (X) 1.792.26111.862.661.80
Interest Coverage Ratio (X) 3.434.093.052.502.66
Interest Coverage Ratio (Post Tax) (X) 2.783.272.512.102.21
Enterprise Value (Cr.) 25677.1018344.820.000.000.00
EV / Net Operating Revenue (X) 11.7612.060.000.000.00
EV / EBITDA (X) 15.9616.860.000.000.00
MarketCap / Net Operating Revenue (X) 9.6410.310.000.000.00
Price / BV (X) 4.053.610.000.000.00
Price / Net Operating Revenue (X) 9.6410.310.000.000.00
EarningsYield 0.030.030.000.000.00

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 24, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 1.00.
  • For Basic EPS (Rs.), as of Mar 24, the value is 28.64. This value is within the healthy range. It has increased from 20.71 (Mar 23) to 28.64, marking an increase of 7.93.
  • For Diluted EPS (Rs.), as of Mar 24, the value is 28.39. This value is within the healthy range. It has increased from 20.49 (Mar 23) to 28.39, marking an increase of 7.90.
  • For Cash EPS (Rs.), as of Mar 24, the value is 29.42. This value is within the healthy range. It has increased from 21.31 (Mar 23) to 29.42, marking an increase of 8.11.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 177.68. It has increased from 148.94 (Mar 23) to 177.68, marking an increase of 28.74.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 177.68. It has increased from 148.94 (Mar 23) to 177.68, marking an increase of 28.74.
  • For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 74.64. It has increased from 52.20 (Mar 23) to 74.64, marking an increase of 22.44.
  • For PBDIT / Share (Rs.), as of Mar 24, the value is 55.02. This value is within the healthy range. It has increased from 37.35 (Mar 23) to 55.02, marking an increase of 17.67.
  • For PBIT / Share (Rs.), as of Mar 24, the value is 54.18. This value is within the healthy range. It has increased from 36.76 (Mar 23) to 54.18, marking an increase of 17.42.
  • For PBT / Share (Rs.), as of Mar 24, the value is 38.16. This value is within the healthy range. It has increased from 27.62 (Mar 23) to 38.16, marking an increase of 10.54.
  • For Net Profit / Share (Rs.), as of Mar 24, the value is 28.58. This value is within the healthy range. It has increased from 20.71 (Mar 23) to 28.58, marking an increase of 7.87.
  • For PBDIT Margin (%), as of Mar 24, the value is 73.71. This value is within the healthy range. It has increased from 71.55 (Mar 23) to 73.71, marking an increase of 2.16.
  • For PBIT Margin (%), as of Mar 24, the value is 72.58. This value exceeds the healthy maximum of 20. It has increased from 70.42 (Mar 23) to 72.58, marking an increase of 2.16.
  • For PBT Margin (%), as of Mar 24, the value is 51.12. This value is within the healthy range. It has decreased from 52.91 (Mar 23) to 51.12, marking a decrease of 1.79.
  • For Net Profit Margin (%), as of Mar 24, the value is 38.29. This value exceeds the healthy maximum of 10. It has decreased from 39.68 (Mar 23) to 38.29, marking a decrease of 1.39.
  • For Return on Networth / Equity (%), as of Mar 24, the value is 16.08. This value is within the healthy range. It has increased from 13.90 (Mar 23) to 16.08, marking an increase of 2.18.
  • For Return on Capital Employeed (%), as of Mar 24, the value is 30.19. This value is within the healthy range. It has increased from 21.85 (Mar 23) to 30.19, marking an increase of 8.34.
  • For Return On Assets (%), as of Mar 24, the value is 7.15. This value is within the healthy range. It has increased from 6.93 (Mar 23) to 7.15, marking an increase of 0.22.
  • For Long Term Debt / Equity (X), as of Mar 24, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 0.12 (Mar 23) to 0.00, marking a decrease of 0.12.
  • For Total Debt / Equity (X), as of Mar 24, the value is 1.22. This value exceeds the healthy maximum of 1. It has increased from 0.97 (Mar 23) to 1.22, marking an increase of 0.25.
  • For Asset Turnover Ratio (%), as of Mar 24, the value is 0.21. It has increased from 0.20 (Mar 23) to 0.21, marking an increase of 0.01.
  • For Current Ratio (X), as of Mar 24, the value is 1.79. This value is within the healthy range. It has decreased from 2.26 (Mar 23) to 1.79, marking a decrease of 0.47.
  • For Quick Ratio (X), as of Mar 24, the value is 1.79. This value is within the healthy range. It has decreased from 2.26 (Mar 23) to 1.79, marking a decrease of 0.47.
  • For Interest Coverage Ratio (X), as of Mar 24, the value is 3.43. This value is within the healthy range. It has decreased from 4.09 (Mar 23) to 3.43, marking a decrease of 0.66.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 2.78. This value is below the healthy minimum of 3. It has decreased from 3.27 (Mar 23) to 2.78, marking a decrease of 0.49.
  • For Enterprise Value (Cr.), as of Mar 24, the value is 25,677.10. It has increased from 18,344.82 (Mar 23) to 25,677.10, marking an increase of 7,332.28.
  • For EV / Net Operating Revenue (X), as of Mar 24, the value is 11.76. This value exceeds the healthy maximum of 3. It has decreased from 12.06 (Mar 23) to 11.76, marking a decrease of 0.30.
  • For EV / EBITDA (X), as of Mar 24, the value is 15.96. This value exceeds the healthy maximum of 15. It has decreased from 16.86 (Mar 23) to 15.96, marking a decrease of 0.90.
  • For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 9.64. This value exceeds the healthy maximum of 3. It has decreased from 10.31 (Mar 23) to 9.64, marking a decrease of 0.67.
  • For Price / BV (X), as of Mar 24, the value is 4.05. This value exceeds the healthy maximum of 3. It has increased from 3.61 (Mar 23) to 4.05, marking an increase of 0.44.
  • For Price / Net Operating Revenue (X), as of Mar 24, the value is 9.64. This value exceeds the healthy maximum of 3. It has decreased from 10.31 (Mar 23) to 9.64, marking a decrease of 0.67.
  • For EarningsYield, as of Mar 24, the value is 0.03. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 23) which recorded 0.03.

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 March 12, 2025 is: ₹517.94

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 March 12, 2025, Five-Star Business Finance Ltd is Overvalued by 20.44% compared to the current share price 651.00

Intrinsic Value of Five-Star Business Finance Ltd as of March 12, 2025 is: 391.63

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 March 12, 2025, Five-Star Business Finance Ltd is Overvalued by 39.84% compared to the current share price 651.00

Last 5 Year EPS CAGR: -24.39%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign.
  2. The company has shown consistent growth in sales (164.22 cr) and profit (284.56 cr) over the years.
  1. The stock has a low average ROCE of 13.75%, which may not be favorable.
  2. The stock has a high average Working Capital Days of 37.25, which may not be favorable.
  3. The company has higher borrowings (3,077.00) compared to reserves (2,798.67), which may suggest financial risk.

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: 38.29%
      • 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: 30.19% (Industry Average ROCE: 19.61%)
      • 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%: 16.08% (Industry Average ROE: 10.47%)
      • 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): 2.78
      • 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: 1.79
      • 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: 18.6 (Industry average Stock P/E: 29.84)
      • 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: 1.22
      • 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. 2182.85 Cr. and Equity Capital is Rs. 29.24 Cr. for the Year ended 31/03/2024.
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. Thirulokchand VasanNon Executive Director
Mr. T T SrinivasaraghavanIndependent Director
Mrs. Bhama KrishnamurthyIndependent Director
Mr. Anand RaghavanIndependent Director
Mr. Ramkumar RamamoorthyIndependent Director

FAQ

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

The latest intrinsic value of Five-Star Business Finance Ltd as on 12 March 2025 is ₹517.94, which is 20.44% lower than the current market price of 651.00, indicating the stock is overvalued by 20.44%. The intrinsic value of Five-Star Business Finance Ltd is calculated using PE ratio method. The stock has a market capitalization of ₹19,133 Cr. and recorded a high/low of ₹944/600 during the current fiscal year 2024-2025. As of Sep 2024, the company has reserves of ₹5,694 Cr and total liabilities of ₹12,820 Cr.

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

The Market Cap of Five-Star Business Finance Ltd is 19,133 Cr..

What is the current Stock Price of Five-Star Business Finance Ltd as on 12 March 2025?

The current stock price of Five-Star Business Finance Ltd as on 12 March 2025 is ₹651.

What is the High / Low of Five-Star Business Finance Ltd stocks in FY 2024-2025?

In FY 2024-2025, the High / Low of Five-Star Business Finance Ltd stocks is ₹944/600.

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

The Stock P/E of Five-Star Business Finance Ltd is 18.6.

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

The Book Value of Five-Star Business Finance Ltd is 195.

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 15.8 %.

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

The ROE of Five-Star Business Finance Ltd is 17.5 %.

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