Five-Star Business Finance Limited

BSE:543663 Stock Report

Market Cap: ₹233.4b

Five-Star Business Finance Valuation

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

Valuation Score

0/6

Valuation Score 0/6

  • 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 (₹803.2) is trading above our estimate of fair value (₹315.68)

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 Ratio24x
Earnings₹9.72b
Market Cap₹233.36b

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 Average20.8x
CHOLAHLDNG Cholamandalam Financial Holdings
12.9xn/a₹264.9b
M&MFIN Mahindra & Mahindra Financial Services
15.1x17.0%₹329.7b
531595 Capri Global Capital
48.3x37.5%₹156.1b
531213 Manappuram Finance
6.9x11.5%₹155.3b
543663 Five-Star Business Finance
24x16.1%₹233.4b

Price-To-Earnings vs Peers: 543663 is expensive based on its Price-To-Earnings Ratio (24x) compared to the peer average (20.8x).

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
0.6xn/aUS$24.91m
No more companies available in this PE range
543663 24.0xIndustry Avg. 22.7xNo. of Companies14PE01632486480+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 543663 is expensive based on its Price-To-Earnings Ratio (24x) compared to the Indian Consumer Finance industry average (22.7x).

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 Ratio24x
Fair PE Ratio21.1x

Price-To-Earnings vs Fair Ratio: 543663 is expensive based on its Price-To-Earnings Ratio (24x) compared to the estimated Fair Price-To-Earnings Ratio (21.1x).

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₹803.20
₹898.73
+11.9%
6.1%₹990.00₹802.00n/a11
Dec ’25₹656.10
₹898.64
+37.0%
6.1%₹990.00₹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₹840.00₹656.106
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 less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/27 17:56
End of Day Share Price 2024/12/27 00:00
Earnings2024/09/30
Annual Earnings2024/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Five-Star Business Finance Limited is covered by 18 analysts. 11 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Nitin BhasinAmbit Capital
Raghav GargAmbit Capital
Abhinesh VijayarajAvendus Spark