Five-Star Business Finance Limited

NSEI:FIVESTAR Stock Report

Market Cap: ₹195.1b

Five-Star Business Finance Valuation

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

Valuation Score

3/6

Valuation Score 3/6

  • 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.

Discounted Cash Flow
Simply Wall St
₹307.95
Fair Value
115.8% overvalued intrinsic discount
11
Number of Analysts

Below Fair Value: FIVESTAR (₹664.5) is trading above our estimate of fair value (₹307.95)

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?

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

The above table shows the Price to Earnings ratio for FIVESTAR. This is calculated by dividing FIVESTAR's market cap by their current earnings.
What is FIVESTAR's PE Ratio?
PE Ratio20.1x
Earnings₹9.72b
Market Cap₹195.08b

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 Average19.3x
531595 Capri Global Capital
45.8x37.5%₹148.0b
CREDITACC CreditAccess Grameen
10.9x17.5%₹145.0b
531213 Manappuram Finance
7.3x11.9%₹164.0b
CHOLAHLDNG Cholamandalam Financial Holdings
13.1xn/a₹269.4b
FIVESTAR Five-Star Business Finance
20.1x15.7%₹195.1b

Price-To-Earnings vs Peers: FIVESTAR is expensive based on its Price-To-Earnings Ratio (20.1x) compared to the peer average (19.3x).

Price to Earnings Ratio vs Industry

How does FIVESTAR'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$22.92m
No more companies available in this PE range
FIVESTAR 20.1xIndustry Avg. 21.4xNo. of Companies14PE01632486480+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: FIVESTAR is good value based on its Price-To-Earnings Ratio (20.1x) compared to the Indian Consumer Finance industry average (21.4x).

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 Ratio20.1x
Fair PE Ratio20.5x

Price-To-Earnings vs Fair Ratio: FIVESTAR is good value based on its Price-To-Earnings Ratio (20.1x) 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 FIVESTAR forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹664.50
₹904.55
+36.1%
7.9%₹1,010.00₹800.00n/a11
Jan ’26₹791.70
₹898.73
+13.5%
6.1%₹990.00₹802.00n/a11
Dec ’25₹655.80
₹898.64
+37.0%
6.1%₹990.00₹802.00n/a11
Nov ’25₹716.65
₹913.64
+27.5%
6.8%₹1,015.00₹802.00n/a11
Oct ’25₹825.35
₹924.00
+12.0%
4.3%₹1,020.00₹857.00n/a11
Sep ’25₹758.85
₹918.91
+21.1%
5.5%₹1,020.00₹801.00n/a11
Aug ’25₹764.40
₹915.82
+19.8%
6.2%₹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₹710.00₹791.708
Dec ’24₹733.35
₹865.83
+18.1%
2.6%₹900.00₹840.00₹655.806
Nov ’24₹741.50
₹865.83
+16.8%
2.6%₹900.00₹840.00₹716.656
Oct ’24₹696.70
₹838.33
+20.3%
2.8%₹870.00₹800.00₹825.356
Sep ’24₹728.25
₹838.33
+15.1%
2.8%₹870.00₹800.00₹758.856
Aug ’24₹721.85
₹838.33
+16.1%
2.8%₹870.00₹800.00₹764.406
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 Price Target
Consensus Narrative from 11 Analysts
₹904.55
Fair Value
26.5% undervalued intrinsic discount
11
Number of Analysts

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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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/17 19:31
End of Day Share Price 2025/01/17 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. 10 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