Five-Star Business Finance Limited
Momentum (76/100) does the heavy lifting; financial trend (34/100) is the drag.
Buy zoneFive-Star Business Finance Limited earns a Buy from StocksWizard, with a blended score of 60/100. At ₹547.95 it trades above our blended DCF and relative-multiples fair value of ₹528.52, about 4% downside to that estimate — we read it as fairly valued. On 13.3x trailing earnings it sits cheaper than the Financial Services median of about 24.3x. The price is about 17% below its 52-week high of ₹657.61 and 58% above the low of ₹346.04. Financial health scores 73/100, with a Piotroski F-score of 3/9. The average analyst target of ₹629.78 implies about 15% upside across 9 analysts. It clears 5 of 12 investability checks, with durability 69, valuation 71 and momentum 76 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹422.82.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-16.68% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Buy60Piotroski F-score 3/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Pass: ROE above 15%: 16.1%
- Fail: Low debt (D/E < 0.5): 1.11x
- Fail: Positive free cash flow
- Fail: Revenue growth > 10%: 4%
- Fail: Earnings growing: -4%
- Pass: Net margin ≥ 10%: 48.5%
- Pass: Current ratio > 1.5: 329.68
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 3/9
Quarterly results
Annual financials
Shareholding
- Promoter26.3%
- Institutions50.0%
- Public & other23.7%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (48.5%).
Opportunities
- Trading in our value buy zone versus sector peers.
Bear case
Weaknesses
- Weak Piotroski score (3/9).
Threats
- Earnings contracting year on year.
About Five-Star Business Finance Limited
Five-Star Business Finance Limited, a non-banking financial company incorporated in 1984 and based in Chennai, India, provides small business and mortgage loans to micro-entrepreneurs and self-employed individuals. Its lending covers business purposes and personal asset creation needs including home renovation, marriage, healthcare, and education expenses.
Five-Star Business Finance Limited — frequently asked questions
Is Five-Star Business Finance Limited a buy, hold or sell?
StocksWizard currently rates Five-Star Business Finance Limited (FIVESTAR) a Buy, based on a blended score of 60/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Five-Star Business Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates Five-Star Business Finance Limited's fair value at about ₹528.52, versus a current price of ₹547.95 — roughly 4% downside. On that basis the stock looks fairly valued.
Is Five-Star Business Finance Limited financially healthy?
Five-Star Business Finance Limited scores 73/100 on our financial-health model, with a Piotroski F-score of 3/9.
How has Five-Star Business Finance Limited's share price performed?
Five-Star Business Finance Limited is up 14% over three months, and last traded at ₹547.95. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.