Five-Star Business Finance Limited

NSEI:FIVESTAR Stock Report

Market Cap: ₹232.8b

Five-Star Business Finance Valuation

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

Valuation Score

1/6

Valuation Score 1/6

  • 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 FIVESTAR when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: FIVESTAR (₹796.15) is trading above our estimate of fair value (₹298.01)

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


Key Valuation Metric

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

Other financial metrics that can be useful for relative valuation.

FIVESTAR key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio1.4x

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for FIVESTAR vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average26.3x
CHOLAHLDNG Cholamandalam Financial Holdings
15.5xn/a₹275.3b
531595 Capri Global Capital
66.8x35.1%₹186.5b
CREDITACC CreditAccess Grameen
14.2x15.4%₹205.5b
531213 Manappuram Finance
8.7x13.1%₹189.9b
FIVESTAR Five-Star Business Finance
27.9x19.6%₹232.8b

Price-To-Earnings vs Peers: FIVESTAR is good value based on its Price-To-Earnings Ratio (27.9x) compared to the peer average (28.9x).


Price to Earnings Ratio vs Industry

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

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a17.5%
n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a17.5%
n/an/an/a
No more companies

Price-To-Earnings vs Industry: FIVESTAR is expensive based on its Price-To-Earnings Ratio (27.9x) compared to the Indian Consumer Finance industry average (21.7x).


Price to Earnings Ratio vs Fair Ratio

What is FIVESTAR'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.

FIVESTAR PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio27.9x
Fair PE Ratio24.7x

Price-To-Earnings vs Fair Ratio: FIVESTAR is expensive based on its Price-To-Earnings Ratio (27.9x) compared to the estimated Fair Price-To-Earnings Ratio (24.7x).


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 FIVESTAR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹796.15
₹911.09
+14.4%
6.1%₹1,020.00₹772.00n/a11
Jul ’25₹822.60
₹899.18
+9.3%
6.6%₹1,020.00₹772.00n/a11
Jun ’25₹757.05
₹899.18
+18.8%
6.6%₹1,020.00₹772.00n/a11
May ’25₹758.30
₹894.00
+17.9%
8.7%₹1,010.00₹721.00n/a9
Apr ’25₹738.65
₹902.00
+22.1%
9.3%₹1,010.00₹721.00n/a8
Mar ’25₹704.60
₹904.50
+28.4%
9.2%₹1,010.00₹721.00n/a8
Feb ’25₹757.10
₹884.38
+16.8%
10.0%₹1,010.00₹710.00n/a8
Jan ’25₹734.70
₹863.13
+17.5%
8.7%₹1,000.00₹710.00n/a8
Dec ’24₹733.35
₹865.83
+18.1%
2.6%₹900.00₹840.00n/a6
Nov ’24₹741.50
₹865.83
+16.8%
2.6%₹900.00₹840.00n/a6
Oct ’24₹696.70
₹838.33
+20.3%
2.8%₹870.00₹800.00n/a6
Sep ’24₹728.25
₹838.33
+15.1%
2.8%₹870.00₹800.00n/a6
Aug ’24₹721.85
₹838.33
+16.1%
2.8%₹870.00₹800.00n/a6
Jul ’24₹647.75
₹723.00
+11.6%
4.3%₹765.00₹680.00₹822.605
Jun ’24₹544.30
₹700.00
+28.6%
2.3%₹720.00₹680.00₹757.053
May ’24₹515.00
₹705.00
+36.9%
0.7%₹710.00₹700.00₹758.302
Apr ’24₹540.60
₹705.00
+30.4%
0.7%₹710.00₹700.00₹738.652
Mar ’24₹546.30
₹705.00
+29.0%
0.7%₹710.00₹700.00₹704.602

Analyst Forecast: Target price is less than 20% higher than the current share price.


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