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

Q: What is the current share price and 52-week range of Five-Star Business Finance Ltd?

Five-Star Business Finance Ltd is trading at 423.00 as of 23 June 2026, with a FY2026-2027 high of 795 and low of 338. The stock is currently near its 52-week low. Market cap stands at 12,498 Cr..

Q: Is Five-Star Business Finance Ltd financially healthy?

Key indicators: ROCE of 14.8 % is moderate. Dividend yield is 0.47 %.

Q: Is Five-Star Business Finance Ltd profitable and how is the profit trend?

Five-Star Business Finance Ltd reported a net profit of 1,072 Cr in Mar 2025 on revenue of 2,848 Cr. Compared to 454 Cr in Mar 2022, the net profit shows an improving trend.

Fair Value

₹368.81Overvalued by 12.81%vs CMP ₹423.00

P/E (11.4) × ROE (16.1%) × BV (₹250.00) × DY (0.47%)

₹413.32Fairly Valued by 2.29%vs CMP ₹423.00

MoS: -2.3% (Negative)Confidence: 43/100 (Low)Models: 1 Under, 3 Fair, 4 Over

Model	Category	Value	Weight	Signal
PE-ROE	Earnings	₹440.04	24%	Fair (+4%)
Graham Number	Earnings	₹460.20	17%	Fair (+8.8%)
Earnings Power	Earnings	₹235.98	12%	Over (-44.2%)
DCF	Cash Flow	₹897.32	12%	Under (+112.1%)
Net Asset Value	Assets	₹249.81	8%	Over (-40.9%)
EV/EBITDA	Enterprise	₹10.15	10%	Over (-97.6%)
Earnings Yield	Earnings	₹376.50	8%	Over (-11%)
ROCE Capital	Returns	₹457.57	10%	Fair (+8.2%)
Consensus (8 models)		₹413.32	100%	Fairly Valued

Key Drivers: Wide model spread (₹10–₹897) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 19.3%

*Investments are subject to market risks

Analyst Summary

Five-Star Business Finance Ltd operates in the Non-Banking Financial Company (NBFC) segment, NSE: FIVESTAR | BSE: 543663, current market price is ₹423.00, market cap is 12,498 Cr.. At a glance, stock P/E is 11.4, ROE is 16.1 %, ROCE is 14.8 %, book value is 250, dividend yield is 0.47 %. The latest intrinsic value estimate is ₹413.32, which is broadly in line with the current market price. On operating trend, latest reported sales are about ₹2,848 Cr versus the prior period change of 30.5%, while latest net profit is about ₹1,072 Cr with a prior-period change of 28.2%. The 52-week range shown on this page is 795/338, which helps frame where the current quote sits within its recent trading band. Business context: About the Company - Qualitative AnalysisFive-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…

This summary is generated from the stock page data available for Five-Star Business Finance Ltd: Intrinsic Value & Share Price Analysis and is refreshed automatically when the underlying metrics change.

Investment Snapshot

Five-Star Business Finance Ltd scores 61/100 (Average)

Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison

Stock Health69/100 · Strong

ROCE 14.8% GoodROE 16.1% GoodD/E 1.48 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent

Smart Money45/100 · Moderate

FII holding down -5.80% (6mo) SellingDII holding up 5.65% MF buyingPromoter holding at 18.6% Stable

Earnings Quality50/100 · Moderate

Quarterly Momentum58/100 · Moderate

Profit (4Q): +8% YoY Positive

Industry Rank75/100 · Strong

P/E 11.4 vs industry 39.9 Cheaper than peersROCE 14.8% vs industry 17.5% AverageROE 16.1% vs industry 13.0% Above peers

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily.

Share Price and Basic Stock Data

Last Updated: June 12, 2026, 8:27 am

Market Cap	12,498 Cr.
Current Price	423
Intrinsic Value	₹413.32
High / Low	795/338
Stock P/E	11.4
Book Value	250
Dividend Yield	0.47 %
ROCE	14.8 %
ROE	16.1 %
Face Value	1.00
PEG Ratio	0.59

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

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Five-Star Business Finance Ltd	12,498 Cr.	423	795/338	11.4	250	0.47 %	14.8 %	16.1 %	1.00
SBFC Finance Ltd	9,950 Cr.	89.9	123/79.6	22.1	33.7	0.00 %	11.8 %	13.0 %	10.0
Bengal & Assam Company Ltd	7,304 Cr.	6,404	9,200/5,312	8.79	9,372	0.78 %	3.96 %	8.12 %	10.0
Dhenu Buildcon Infra Ltd	6,302 Cr.	10.6	11.3/5.09		1.42	0.00 %	0.04 %	0.23 %	1.00
Capri Global Capital Ltd	19,175 Cr.	199	214/151	20.2	74.9	0.10 %	11.7 %	16.5 %	1.00
Industry Average	25,474.03 Cr	382.73		39.89	494.34	0.25%	17.48%	13.04%	8.42

All Competitor Stocks of Five-Star Business Finance Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Revenue	387	436	480	519	567	616	666	702	727	752	787	799	815
Interest	63	77	96	106	129	138	158	163	171	175	187	180	189
Expenses	119	133	137	144	145	161	169	178	186	204	241	236	255
Financing Profit	204	226	248	269	294	318	339	361	370	373	359	384	371
Financing Margin %	53%	52%	52%	52%	52%	52%	51%	51%	51%	50%	46%	48%	46%
Other Income	2	4	3	4	3	3	3	4	4	7	5	7	7
Depreciation	5	5	5	6	7	7	6	7	8	9	8	9	10
Profit before tax	202	224	246	267	290	313	336	358	365	371	355	382	369
Tax %	25%	25%	25%	25%	25%	25%	25%	25%	25%	25%	25%	25%	25%
Net Profit	151	169	184	199	217	236	252	268	274	279	266	286	277
EPS in Rs	5.18	5.80	6.30	6.84	7.42	8.07	8.60	9.16	9.33	9.48	9.04	9.72	9.41
Gross NPA %								1.47%	1.62%	1.79%	2.46%	2.64%	3.18%
Net NPA %								0.71%	0.81%		1.25%	1.46%	1.94%

Last Updated: March 3, 2026, 9:52 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 5:15 am

Metric	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	86	196	402	787	1,050	1,254	1,521	2,183	2,848	3,153
Interest	24	55	73	218	327	302	268	472	672	731
Expenses	30	64	107	210	237	337	439	582	733	936
Financing Profit	31	78	221	359	486	614	814	1,128	1,443	1,486
Financing Margin %	37%	40%	55%	46%	46%	49%	54%	52%	51%	47%
Other Income	0	1	1	1	1	2	8	12	18	26
Depreciation	1	3	4	10	11	12	17	25	30	36
Profit before tax	31	76	218	349	476	604	805	1,116	1,431	1,477
Tax %	37%	28%	28%	25%	25%	25%	25%	25%	25%
Net Profit	19	54	156	262	359	454	604	836	1,072	1,109
EPS in Rs	13.58	28.30	65.40	103.80	142.26	15.57	20.71	28.58	36.43	37.65
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	5%

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:	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: June 3, 2026, 11:16 pm

Month	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	14	19	24	26	26	29	29	29	29	30
Reserves	210	573	1,341	1,919	2,293	3,681	4,310	5,167	6,275	7,351
Borrowing	452	528	922	2,364	3,425	2,559	4,247	6,316	7,922	8,200
Other Liabilities	14	14	31	45	50	74	116	177	194	209
Total Liabilities	690	1,134	2,317	4,353	5,794	6,343	8,703	11,689	14,421	15,790
Fixed Assets	5	0	10	28	25	33	45	64	86	88
CWIP	2	0	0	0	0	0	0	0	62	72
Investments	15	15	15	0	0	248	145	108	212	227
Other Assets	669	1,119	2,293	4,325	5,769	6,062	8,513	11,517	14,060	15,402
Total Assets	690	1,134	2,317	4,353	5,794	6,343	8,703	11,689	14,421	15,790

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Cash from Operating Activity +	-457	-940	-1,523	-157	-277	-1,123	-2,122	-1,045	-264
Cash from Investing Activity +	10	14	-132	102	-384	162	210	-585	228
Cash from Financing Activity +	393	1,010	1,725	1,033	7	1,688	2,106	1,593	157
Net Cash Flow	-53	84	70	977	-654	727	194	-37	121
Free Cash Flow	-461	-946	-1,533	-160	-286	-1,135	-2,145	-1,128	-290
CFO/OP	-323%	-296%	-246%	-3%	-13%	-85%	-115%	-31%	5%

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	726.00

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	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 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	26,481	30,655	40,121	51,906	50,442	48,897	58,902	71,229	76,899	69,039	94,108	91,561

Shareholding Pattern Chart

No. of Shareholders

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

Mutual Fund Holdings

Fund Name	No of Shares	AUM (%)	Amount Invested (Cr)	Previous Number of Shares	Previous Date	Percentage Change
Kotak Small Cap Fund	6,977,276	1.92	334.6	5,808,448	2026-06-12 01:01:01	20.12%
Sundaram Large and Mid Cap Fund	3,357,697	2.45	161.02	N/A	N/A	N/A
Aditya Birla Sun Life Large and Mid Cap Fund	1,420,574	1.21	68.12	1,198,691	2026-06-11 12:42:51	18.51%
WhiteOak Capital Flexi Cap Fund	1,052,141	0.64	50.46	861,442	2026-06-11 12:42:51	22.14%
Tata Banking and Financial Services Fund	960,000	1.51	46.04	668,533	2025-12-14 00:40:44	43.6%
WhiteOak Capital Mid Cap Fund	650,952	0.59	31.22	N/A	N/A	N/A
Tata Business Cycle Fund	545,545	0.99	26.16	435,545	2025-12-15 00:59:59	25.26%
Tata Multi Asset Allocation Fund	290,479	0.28	13.93	N/A	N/A	N/A
ITI Mid Cap Fund	212,757	0.75	10.2	N/A	N/A	N/A
ITI Banking and Financial Services Fund	93,451	1.24	4.48	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)	1.26	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.)	27052.45	25677.10	18344.82	0.00	0.00
EV / Net Operating Revenue (X)	9.50	11.76	12.06	0.00	0.00
EV / EBITDA (X)	12.71	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

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

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. 3218.12 Cr. and Equity Capital is Rs. 29.52 Cr. for the Year ended 31/03/2026.

INDUSTRY	ADDRESS	CONTACT
Non-Banking Financial Company (NBFC)	New No. 27, Old No. 4, Chennai (Madras) Tamil Nadu 600010	Contact not found

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

FAQ

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

As of 23 June 2026, Five-Star Business Finance Ltd's intrinsic value is ₹413.32, which is 2.29% lower than the current market price of ₹423.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (16.1 %), book value (₹250), dividend yield (0.47 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Five-Star Business Finance Ltd?

Five-Star Business Finance Ltd is trading at ₹423.00 as of 23 June 2026, with a FY2026-2027 high of ₹795 and low of ₹338. The stock is currently near its 52-week low. Market cap stands at ₹12,498 Cr..

How does Five-Star Business Finance Ltd's P/E ratio compare to its industry?

Five-Star Business Finance Ltd has a P/E ratio of 11.4, which is below the industry average of 39.89. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Five-Star Business Finance Ltd financially healthy?

Key indicators for Five-Star Business Finance Ltd: ROCE of 14.8 % is moderate; ROE of 16.1 % shows strong shareholder returns. Dividend yield is 0.47 %.

Is Five-Star Business Finance Ltd profitable and how is the profit trend?

Five-Star Business Finance Ltd reported a net profit of ₹1,072 Cr in Mar 2025 on revenue of ₹2,848 Cr. Compared to ₹454 Cr in Mar 2022, the net profit shows an improving trend.

Does Five-Star Business Finance Ltd pay dividends?

Five-Star Business Finance Ltd has a dividend yield of 0.47 % at the current price of ₹423.00. The company pays dividends, though the yield is modest.