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

Fair Value

₹417.12Overvalued by 13.46%vs CMP ₹482.00

P/E (12.9) × ROE (16.1%) × BV (₹250.00) × DY (0.42%)

₹422.68Overvalued by 12.31%vs CMP ₹482.00
MoS: -14% (Negative)Confidence: 48/100 (Moderate)Models: 1 Under, 2 Fair, 5 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹497.6924%Fair (+3.3%)
Graham NumberEarnings₹460.2017%Fair (-4.5%)
Earnings PowerEarnings₹236.4012%Over (-51%)
DCFCash Flow₹898.9212%Under (+86.5%)
Net Asset ValueAssets₹230.768%Over (-52.1%)
EV/EBITDAEnterprise₹10.1710%Over (-97.9%)
Earnings YieldEarnings₹376.508%Over (-21.9%)
ROCE CapitalReturns₹422.6810%Over (-12.3%)
Consensus (8 models)₹422.68100%Overvalued
Key Drivers: Wide model spread (₹10–₹899) — 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 ₹482.00, market cap is 14,216 Cr.. At a glance, stock P/E is 12.9, ROE is 16.1 %, ROCE is 14.8 %, book value is 250, dividend yield is 0.42 %. The latest intrinsic value estimate is ₹422.68, around 12.3% below the current price, so expectations may already be running ahead of this modelled fair value. 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 828/338, 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

61
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 12.9 vs industry 112.3 Cheaper than peersROCE 14.8% vs industry 15.8% AverageROE 16.1% vs industry 8.9% 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: May 5, 2026, 3:01 am

Market Cap 14,216 Cr.
Current Price 482
Intrinsic Value₹422.68
High / Low 828/338
Stock P/E12.9
Book Value 250
Dividend Yield0.42 %
ROCE14.8 %
ROE16.1 %
Face Value 1.00
PEG Ratio0.67

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 ⇩
Five-Star Business Finance Ltd 14,216 Cr. 482 828/33812.9 2500.42 %14.8 %16.1 % 1.00
SBFC Finance Ltd 10,341 Cr. 93.4 123/79.622.9 33.70.00 %11.8 %13.0 % 10.0
Capri Global Capital Ltd 18,710 Cr. 195 214/15119.7 74.90.10 %11.7 %16.5 % 1.00
Bengal & Assam Company Ltd 7,249 Cr. 6,460 9,200/5,3128.53 8,9540.77 %4.22 %7.64 % 10.0
Fedbank Financial Services Ltd 5,474 Cr. 146 178/83.515.9 78.20.00 %9.06 %12.6 % 10.0
Industry Average26,649.85 Cr400.27112.26514.360.24%15.75%8.88%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%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

MetricMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue861964027871,0501,2541,5212,1832,8483,153
Interest 245573218327302268472672731
Expenses 3064107210237337439582733936
Financing Profit31782213594866148141,1281,4431,486
Financing Margin %37%40%55%46%46%49%54%52%51%47%
Other Income 0111128121826
Depreciation 13410111217253036
Profit before tax 31762183494766048051,1161,4311,477
Tax % 37%28%28%25%25%25%25%25%25%
Net Profit 19541562623594546048361,0721,109
EPS in Rs 13.5828.3065.40103.80142.2615.5720.7128.5836.4337.65
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: March 3, 2026, 2:58 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 5-01028253345648692
CWIP 2-0-0-0-0-0-0-06272
Investments 151515-0-0248145108212220
Other Assets 6691,1192,2934,3255,7696,0628,51311,51714,06015,051
Total Assets 6901,1342,3174,3535,7946,3438,70311,68914,42115,435

Reserves and Borrowings Chart

Cash Flow

MonthMar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity + -457-940-1,523-157-277-1,123-2,122-1,045-264
Cash from Investing Activity + 1014-132102-384162210-585228
Cash from Financing Activity + 3931,0101,7251,03371,6882,1061,593157
Net Cash Flow -538470977-654727194-37121
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

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
HDFC Balanced Advantage Fund 5,882,615 0.23 245.393,382,6152026-03-24 01:56:1973.91%
Kotak Small Cap Fund 5,808,448 1.44 242.35,508,4482026-02-23 02:13:355.45%
HDFC Multi Cap Fund 4,201,853 0.9 175.283,363,2552026-03-24 02:03:0524.93%
HDFC Mid Cap Fund 3,859,478 0.17 161N/AN/AN/A
HDFC Large and Mid Cap Fund 2,597,694 0.38 108.36N/AN/AN/A
HDFC Value Fund 2,146,245 1.21 89.531,946,2452026-03-24 02:03:0510.28%
HDFC Banking & Financial Services Fund 2,133,192 1.97 88.991,933,1922026-03-24 02:03:0510.35%
Aditya Birla Sun Life Large and Mid Cap Fund 1,198,691 0.87 501,093,7132026-03-12 02:48:259.6%
Tata Banking and Financial Services Fund 960,000 1.23 40.05668,5332025-12-14 00:40:4443.6%
WhiteOak Capital Flexi Cap Fund 861,442 0.49 35.94463,8092026-01-26 05:42:4085.73%

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

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.
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 and is it undervalued?

As of 14 May 2026, Five-Star Business Finance Ltd's intrinsic value is ₹422.68, which is 12.31% lower than the current market price of ₹482.00, suggesting the stock is overvalued. This is calculated using the PE ratio method factoring in ROE (16.1 %), book value (₹250), dividend yield (0.42 %), 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 ₹482.00 as of 14 May 2026, with a FY2026-2027 high of ₹828 and low of ₹338. The stock is currently in the middle of its 52-week range. Market cap stands at ₹14,216 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 12.9, which is below the industry average of 112.26. 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 0.42 %.

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 0.42 % at the current price of ₹482.00. The company pays dividends, though the yield is modest.

Last Updated: May 5, 2026, 3:01 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 543663 | NSE: FIVESTAR
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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