FIVESTAR
CAUTIONFive-Star Business Finance
Financial Services · NSE
52W Low
₹338
+31.6% from low
52W High
₹828
-46.3% from high
Valuation Gauge
Current Price
₹445
Fair Value
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Fair Value Analysis
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Insufficient data to compute fair value | Sector-cheap: P/E at 16th percentile vs sector peers. | CAUTION: ROCE declining (latest 9.6%) — returns on capital are falling; verify this isn't a value trap.
Price vs Market
Shareholding Pattern
Stock Health Score
Solid Fundamentals
Profitability
ROE of 16.1% is acceptable for Financial Services sector (benchmark: 18%)
Debt & Leverage
D/E ratio of 1.1x is well within the Financial Services sector norm of 4.0x — strong balance sheet
Valuation vs Peers
P/E of 13.5x trades at a 79% discount to Financial Services sector median (65x) — attractively valued
Cash Flow
Negative cash flow of ₹-290 Cr — concerning for Financial Services sector
Earnings Growth
5yr EPS CAGR of 22.1% is below the Financial Services sector average of 23.9%
Dividend
Dividend yield of 0.4% is symbolic — low but positive
Company Health Timeline
10-year financial health at a glance
Sentiment Trend — Last 30 Days
Historical Returns
Key Ratios & Growth
Revenue Growth (YoY)
-7.5%
Year-on-year revenue change
Profit Growth (YoY)
-6.2%
Year-on-year PAT change
Operating Cash Flow
₹-951 Cr
TTM cash from operations
Key Financials
EPS (TTM)
₹34
P/E Ratio
13.5x
P/B Ratio
1.8x
ROE
16.1%
ROCE
10.2%
Debt / Equity
1.11x
Beta
0.78
Div Yield
0.4%
FCF (Cr)
₹-290 Cr
Revenue (Cr)
₹3,176 Cr
EPS Growth 5Y
22.1%
Mkt Cap (Cr)
₹13,543 Cr
52W High
₹828
52W Low
₹338.2
Book Value/Share
₹250.5
Financial History
| Period | Revenue | Op Profit | OPM% | PAT | EPS |
|---|---|---|---|---|---|
| 2019-03-31 | ₹409 Cr | ₹223 Cr | 54.0% | ₹157 Cr | ₹65.55 |
| 2018-03-31 | ₹201 Cr | ₹77 Cr | 39.0% | ₹53 Cr | ₹27.88 |
| 2017-03-31 | ₹87 Cr | ₹32 Cr | 37.0% | ₹20 Cr | ₹13.75 |
| 2016-03-31 | ₹48 Cr | ₹21 Cr | 44.0% | ₹14 Cr | ₹12.82 |
| 2015-03-31 | ₹34 Cr | ₹16 Cr | 46.0% | ₹10 Cr | ₹9.73 |
Compounded Growth Rates
Sales Growth
Profit Growth
EPS Growth
Peer Comparison
Financial Services| Stock | Price | Fair Value | MoS% | P/E | ROE | Signal |
|---|---|---|---|---|---|---|
Maharashtra Scooters Limited | ₹11,720 | ₹21,980 | +46.7% | 44.6 | 1.1% | FAIRLY_VALUED |
The Karnataka Bank Limited | ₹263.9 | ₹388.7 | +32.1% | 8.1 | 9.7% | FAIRLY_VALUED |
JM Financial Limited | ₹129.4 | ₹135 | +4.1% | 10.4 | 12.4% | FAIRLY_VALUED |
Share India Securities Limited | ₹141.9 | ₹140.6 | -1.0% | 10.8 | 11.4% | FAIRLY_VALUED |
AvenuesAI Limited | ₹13.9 | ₹12 | -15.2% | 17.5 | 6.3% | FAIRLY_VALUED |
Tata Investment Corporation Limited | ₹668 | ₹518.8 | -28.8% | 78.8 | 1.4% | OVERVALUED |
TSF INVESTMENTS LIMITED | ₹408.5 | ₹296.2 | -37.9% | 18.6 | 8.0% | OVERVALUED |
Jio Financial Services Limited | ₹238.9 | ₹171.5 | -39.3% | 97.1 | 1.2% | OVERVALUED |
Institutional Activity
Bulk deals, block deals, short selling & delivery volume — NSE data
Insider Trading
Community Pulse
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