Stock FIVESTAR FIVE-STAR BUSINESS FINANCE LIMITED
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Financials Five-Star Business Finance Limited

Equities

FIVESTAR

INE128S01021

Consumer Lending

Market Closed - NSE India S.E.
Other stock markets
 07:40:29 2024-07-08 am EDT 		5-day change 1st Jan Change
783.3 INR -1.98% Intraday chart for Five-Star Business Finance Limited -4.78% +6.59%
11:27am Nomura Adjusts Five-Star Business Finance's Price Target to INR900 From INR890, Keeps at Buy MT
May. 15 58,499,920 Equity Shares of Five-Star Business Finance Limited are subject to a Lock-Up Agreement Ending on 15-MAY-2024. CI

Valuation

Fiscal Period: March 2023 2024 2025 2026
Capitalization 1 157,513 233,706 - -
Enterprise Value (EV) 1 157,513 210,403 233,706 233,706
P/E ratio 26.4 x 25.3 x 21.4 x 17.3 x
Yield - 0.27% 0.56% 0.83%
Capitalization / Revenue 12.5 x 12.2 x 10.5 x 8.32 x
EV / Revenue 12.5 x 12.2 x 10.5 x 8.32 x
EV / EBITDA - - - -
EV / FCF - - - -
FCF Yield - - - -
Price to Book 3.63 x 4.52 x 3.76 x 3.12 x
Nbr of stocks (in thousands) 291,366 292,461 - -
Reference price 2 540.6 799.1 799.1 799.1
Announcement Date 5/9/23 4/30/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2022 2023 2024 2025 2026
Net sales 1 - 12,627 17,266 22,203 28,083
EBITDA - - - - -
EBIT 1 - 8,249 11,713 15,132 18,922
Operating Margin - 65.33% 67.84% 68.15% 67.38%
Earnings before Tax (EBT) 1 - 8,047 11,159 14,268 17,949
Net income 1 4,535 6,035 8,359 10,570 13,146
Net margin - 47.79% 48.41% 47.61% 46.81%
EPS 2 15.92 20.49 28.39 37.28 46.17
Free Cash Flow - - - - -
FCF margin - - - - -
FCF Conversion (EBITDA) - - - - -
FCF Conversion (Net income) - - - - -
Dividend per Share 2 - - 2.150 4.500 6.600
Announcement Date 4/27/22 5/9/23 4/30/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 - - 3,874 4,000 4,500 4,681 5,052
EBITDA - - - - - - -
EBIT 1 - 2,316 2,307 2,742 2,940 3,180 3,525
Operating Margin - - 59.54% 68.54% 65.33% 67.93% 69.77%
Earnings before Tax (EBT) 1 - 2,242 2,459 2,596 2,799 2,983 3,311
Net income 1 1,510 1,689 1,837 1,926 2,085 2,262 2,471
Net margin - - 47.42% 48.14% 46.33% 48.32% 48.9%
EPS 2 5.150 5.730 6.240 6.700 7.200 7.600 -
Dividend per Share - - - - - - -
Announcement Date 1/28/23 5/9/23 7/29/23 - - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2022 2023 2024 2025 2026
Net Debt - - - - -
Net Cash position - - - - -
Leverage (Debt/EBITDA) - - - - -
Free Cash Flow - - - - -
ROE (net income / shareholders' equity) - 15% 17% 18.6% 19.3%
ROA (Net income/ Total Assets) - 8.02% 8.05% 7.92% 7.63%
Assets 1 - 75,230 102,416 133,543 172,405
Book Value Per Share 2 - 149.0 177.0 213.0 256.0
Cash Flow per Share - - - - -
Capex - - - - -
Capex / Sales - - - - -
Announcement Date 4/27/22 5/9/23 4/30/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Five-Star Business Finance Limited

Trading Rating
Investor Rating
ESG Refinitiv
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
BUY
Number of Analysts
11
Last Close Price
799.1 INR
Average target price
905.6 INR
Spread / Average Target
+13.33%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Consumer Leasing

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Consumer Leasing
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