Five-Star Business Finance Limited

BSE:543663 Stock Report

Market Cap: ₹184.6b

Five-Star Business Finance Valuation

Is 543663 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 543663 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: 543663 (₹630.55) is trading above our estimate of fair value (₹317.7)

Significantly Below Fair Value: 543663 is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 543663?

Key metric: As 543663 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 543663. This is calculated by dividing 543663's market cap by their current earnings.
What is 543663's PE Ratio?
PE Ratio19x
Earnings₹9.72b
Market Cap₹184.65b

Price to Earnings Ratio vs Peers

How does 543663's PE Ratio compare to its peers?

The above table shows the PE ratio for 543663 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average19.9x
531595 Capri Global Capital
48.2x37.5%₹155.9b
CREDITACC CreditAccess Grameen
10.6x16.9%₹141.7b
M&MFIN Mahindra & Mahindra Financial Services
14.9x17.0%₹325.7b
531213 Manappuram Finance
5.7x11.8%₹128.3b
543663 Five-Star Business Finance
19x16.1%₹184.6b

Price-To-Earnings vs Peers: 543663 is good value based on its Price-To-Earnings Ratio (19x) compared to the peer average (19.9x).

Price to Earnings Ratio vs Industry

How does 543663's PE Ratio compare vs other companies in the IN Consumer Finance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
523384 Maha Rashtra Apex
0.7xn/aUS$27.53m
No more companies available in this PE range
543663 19.0xIndustry Avg. 21.5xNo. of Companies10PE01224364860+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 543663 is good value based on its Price-To-Earnings Ratio (19x) compared to the Indian Consumer Finance industry average (21.5x).

Price to Earnings Ratio vs Fair Ratio

What is 543663's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

543663 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio19x
Fair PE Ratio20.5x

Price-To-Earnings vs Fair Ratio: 543663 is good value based on its Price-To-Earnings Ratio (19x) compared to the estimated Fair Price-To-Earnings Ratio (20.5x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 543663 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹630.55
₹913.64
+44.9%
6.8%₹1,015.00₹802.00n/a11
Nov ’25₹715.05
₹913.64
+27.8%
6.8%₹1,015.00₹802.00n/a11
Oct ’25₹825.00
₹924.00
+12.0%
4.3%₹1,020.00₹857.00n/a11
Sep ’25₹758.50
₹918.91
+21.1%
5.5%₹1,020.00₹801.00n/a11
Aug ’25₹764.45
₹915.82
+19.8%
6.2%₹1,020.00₹772.00n/a11
Jul ’25₹822.20
₹899.18
+9.4%
6.6%₹1,020.00₹772.00n/a11
Jun ’25₹755.70
₹899.18
+19.0%
6.6%₹1,020.00₹772.00n/a11
May ’25₹757.90
₹894.00
+18.0%
8.7%₹1,010.00₹721.00n/a9
Apr ’25₹738.95
₹902.00
+22.1%
9.3%₹1,010.00₹721.00n/a8
Mar ’25₹704.85
₹904.50
+28.3%
9.2%₹1,010.00₹721.00n/a8
Feb ’25₹758.80
₹884.38
+16.5%
10.0%₹1,010.00₹710.00n/a8
Jan ’25₹733.85
₹863.13
+17.6%
8.7%₹1,000.00₹710.00n/a8
Dec ’24₹733.80
₹865.83
+18.0%
2.6%₹900.00₹840.00n/a6
Nov ’24₹743.10
₹865.83
+16.5%
2.6%₹900.00₹840.00₹715.056
Oct ’24₹698.85
₹838.33
+20.0%
2.8%₹870.00₹800.00₹825.006
Sep ’24₹727.80
₹838.33
+15.2%
2.8%₹870.00₹800.00₹758.506
Aug ’24₹721.20
₹838.33
+16.2%
2.8%₹870.00₹800.00₹764.456
Jul ’24₹647.70
₹723.00
+11.6%
4.3%₹765.00₹680.00₹822.205
Jun ’24₹544.05
₹700.00
+28.7%
2.3%₹720.00₹680.00₹755.703
May ’24₹514.55
₹705.00
+37.0%
0.7%₹710.00₹700.00₹757.902
Apr ’24₹538.10
₹705.00
+31.0%
0.7%₹710.00₹700.00₹738.952
Mar ’24₹543.10
₹705.00
+29.8%
0.7%₹710.00₹700.00₹704.852

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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