F

Five-Star Business Finance Ltd
NSE:FIVESTAR

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Five-Star Business Finance Ltd
NSE:FIVESTAR
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Price: 631.3 INR -1.63% Market Closed
Market Cap: 184.6B INR
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Intrinsic Value

The intrinsic value of one FIVESTAR stock under the Base Case scenario is 945.49 INR. Compared to the current market price of 631.3 INR, Five-Star Business Finance Ltd is Undervalued by 33%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

FIVESTAR Intrinsic Value
945.49 INR
Undervaluation 33%
Intrinsic Value
Price
F
Worst Case
Base Case
Best Case

Valuation Backtest
Five-Star Business Finance Ltd

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Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

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Fundamental Analysis

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Financials
Annual
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TTM
Annual
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TTM

Revenue & Expenses Breakdown
Five-Star Business Finance Ltd

Balance Sheet Decomposition
Five-Star Business Finance Ltd

Current Assets 114.2B
Cash & Short-Term Investments 17.3B
Receivables 96.9B
Other Current Assets 43.4m
Non-Current Assets 2.7B
Long-Term Investments 1.1B
PP&E 546.2m
Intangibles 96.9m
Other Non-Current Assets 963.4m
Current Liabilities 428.6m
Accounts Payable 253.7m
Other Current Liabilities 174.9m
Non-Current Liabilities 64.5B
Long-Term Debt 63.2B
Other Non-Current Liabilities 1.3B
Efficiency

Earnings Waterfall
Five-Star Business Finance Ltd

Revenue
21.8B INR
Operating Expenses
-5.6B INR
Operating Income
16.3B INR
Other Expenses
-7.9B INR
Net Income
8.4B INR

Free Cash Flow Analysis
Five-Star Business Finance Ltd

Last Value
3-Years Average
FCF Margin
Conversion Rate
Fundamental Scores

FIVESTAR Profitability Score
Profitability Due Diligence

Five-Star Business Finance Ltd's profitability score is 55/100. The higher the profitability score, the more profitable the company is.

Positive Operating Income
Positive Net Income
Exceptional 1-Year Revenue Growth
Positive Revenue Growth Forecast
55/100
Profitability
Score

Five-Star Business Finance Ltd's profitability score is 55/100. The higher the profitability score, the more profitable the company is.

FIVESTAR Solvency Score
Solvency Due Diligence

Five-Star Business Finance Ltd's solvency score is 61/100. The higher the solvency score, the more solvent the company is.

Short-Term Solvency
High Altman Z-Score
Long-Term Solvency
Average D/E
61/100
Solvency
Score

Five-Star Business Finance Ltd's solvency score is 61/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

FIVESTAR Price Targets Summary
Five-Star Business Finance Ltd

Wall Street analysts forecast FIVESTAR stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for FIVESTAR is 941.69 INR with a low forecast of 809.01 INR and a high forecast of 1 065.75 INR.

Lowest
Price Target
809.01 INR
28% Upside
Average
Price Target
941.69 INR
49% Upside
Highest
Price Target
1 065.75 INR
69% Upside
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Dividends

Five-Star Business Finance Ltd
does not pay dividends
Shareholder Yield

Current shareholder yield for FIVESTAR is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
No dividends
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Debt Paydown Yield
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Profile

Five-Star Business Finance Ltd

Country

India

Industry

Financial Services

Market Cap

184.6B INR

Dividend Yield

0%

Description

Five-Star Business Finance Ltd. engages in the provision of financial services. The company is headquartered in Chennai, Tamil Nadu and currently employs 7,347 full-time employees. The company went IPO on 2022-11-21. The firm is primarily engaged in providing loans for business purposes, house renovation/extension purposes and other mortgage purposes. The company provides small business loans and small mortgage loans to eligible borrowers to meet their business and personal needs, after due underwriting of their cashflows and backed by the collateral of their house property. The company provides secured loans to micro-entrepreneurs and self-employed individuals for business purposes, as well as for asset creation, such as home renovation or improvement, or for meeting expenses for economic events, such as marriage, and education. The loan ticket ranges between one lakh rupees (Rs) to 10 lakhs Rs for a tenure of up to seven years and the repayments are to be made on a monthly equated basis. Its loans are sourced in-house, either through its branch-led local marketing efforts, repeat customers or through walk-ins.

Contact

TAMIL NADU
Chennai
New No. 27, Old No. 4, Taylor's Road, Kilpauk, Chennai
+914446106200
fivestargroup.in

IPO

2022-11-21

Employees

7 347

Officers

Chairman & MD
Mr. Lakshmipathy Deenadayalan
CEO, Joint MD & Additional Director
Mr. Rangarajan Krishnan
CFO, Joint MD & Additional Director
Mr. Srikanth Gopalakrishnan
Company Secretary
Ms. Shalini Baskaran
Chief Operating Officer
Mr. Vishnuram Jagannathan
Chief Technology Officer
Mr. Vanamali Ranganathan Sridharan
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Chief Legal Officer
Mr. Ramesh Kannah
Chief Compliance Officer
Mr. R. Vijayaraghavan
Chief People Officer
Mr. M. Sai Suryanarayana
Chief Credit Officer
Mr. Parthasarathy Srinivasan
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See Also

Discover More
What is the Intrinsic Value of one FIVESTAR stock?

The intrinsic value of one FIVESTAR stock under the Base Case scenario is 945.49 INR.

Is FIVESTAR stock undervalued or overvalued?

Compared to the current market price of 631.3 INR, Five-Star Business Finance Ltd is Undervalued by 33%.

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