What is Five-Star Business Finance Limited's (FIVESTAR.NS) StockRank?

MoatMap's StockRank for Five-Star Business Finance Limited (FIVESTAR.NS) is 49/100, with a Hold signal. This is a composite score combining Quality (56), Value (28), and Momentum (59) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Five-Star Business Finance Limited have an economic moat?

Five-Star Business Finance Limited (FIVESTAR.NS) has a Quality factor score of 56/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Five-Star Business Finance Limited a buy, hold, or sell?

MoatMap's current signal for Five-Star Business Finance Limited (FIVESTAR.NS) is Hold, based on a StockRank of 49/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Five-Star Business Finance Limited in?

Five-Star Business Finance Limited (FIVESTAR.NS) operates in the Financial Services sector, specifically the Credit Services industry (India).

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FIVESTAR.NS

HoldPremium Grower

Five-Star Business Finance Limited · Financial Services · India · $1.6B · Avg Vol: $3M/d

StockRank

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P/E (TTM)

14.2x

ROE

14.9%

D/E

1.1x

Dividend %

0.4%

COMPANY DESCRIPTION

Five-Star Business Finance Limited operates as a non-banking financial company in India. The company offers business and other loans to small business owners and self-employed individuals, as well as for other purposes such as business expansion, home renovation/improvement and other mortgage...

FINANCIAL SUMMARY (INR)

Year	2023	2024	2025	2026	CAGR	TTM	2027E	2028E	Fwd CAGR
Revenue	14.7B	20.8B	27.1B	30.5B	27.5%	23.2B	34.6B	41.2B	16.2%
EPS (INR)	20.71	28.64	36.61	37.31	21.7%	37.59	40.94	49.49	15.2%
Shares	291.4M	292.4M	294.4M	295.2M	+1.3%	295.2M	—	—	—
Debt	42.5B	63.2B	79.2B	82.0B	24.5%	83.0B	—	—	—
Equity	43.4B	52.0B	63.0B	73.8B	19.4%	—	—	—	—
Op CF	-11.2B	-21.2B	-10.4B	-2.6B	—	-2.7B	—	—	—
Inv CF	1.6B	2.1B	-5.9B	2.3B	—	—	—	—	—
Fin CF	16.9B	21.1B	15.9B	1.6B	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-3.7%

SMA 50SMA 200

$5.55

RSI (14)

51.4

52W High

$6.95

From 52W High

0.8%

SCORE BREAKDOWN

Quality

ROIC

11.8%86.9

ROE

14.9%73.8

GP/Assets

14.6%81.4

Op. Margin

59.1%77.8

FCF/Assets

-1.8%14.9

Piotroski

311.8

Int. Cover

19.8x64.7

D/E Ratio

1.12x27.4

Current Ratio

1.61x50.1

Value

P/E (TTM)

14.2x42.8

EV/EBITDA

14.1x33.0

P/FCF

—N/A

P/B

2.1x23.4

P/S

6.8x24.2

Div Yield

0.4%3.6

Momentum

52W High %

80%27.1

RS 6M

40%96.3

SMA 50/200

1.10x73.3

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+32%63.1

Q Growth

2%28.7

FUNDAMENTALS

Market Cap

$1.6B

P/E (Forward)

10.8x

Gross Margin

60.1%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of FIVESTAR.NS are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
FIVESTAR.NS	Five-Star Business Finance Limited(you)	$1.6B	49	Hold
CREDITACC.NS	CreditAccess Grameen Limited	$2.4B	48	Hold
IIFL.NS	IIFL Finance Limited	$2.8B	52	Hold
CGCL.NS	Capri Global Capital Limited	$2.7B	56	Hold
TFCILTD.NS	Tourism Finance Corporation of India Limited	$688M	50	Hold
FEDFINA.NS	Fedbank Financial Services Limited	$642M	47	Hold
MANAPPURAM.NS	Manappuram Finance Limited	$3.2B	40	Hold
SBFC.NS	SBFC Finance Limited	$1.1B	33	Sell
PIRAMALFIN.NS	Piramal Finance Limited	$5.7B	50	Hold
PAISALO.NS	Paisalo Digital Limited	$749M	60	Hold

Peer medians: ROE 11.6% · P/E 18.5x · Gross margin 70.0%

Five-Star Business Finance Limited (FIVESTAR.NS): Stock Score Summary

Five-Star Business Finance Limited (FIVESTAR.NS) has a MoatMap StockRank of 49/100 based on Quality (56/100), Value (28/100), and Momentum (59/100) factor scores. The current signal is HOLD.

Key Financial Metrics

Price	$5.55
Market Cap	$1.6B
P/E (TTM)	14.25
P/E (Forward)	10.79
Price/Book	2.13
Return on Equity	14.9%
Return on Invested Capital	11.8%
Debt/Equity	1.12x
Gross Margin	60.1%
Operating Margin	59.1%
Revenue Growth	8.0%
Dividend Yield	0.4%
Free Cash Flow	$-30M

Five-Star Business Finance Limited operates in the Credit Services industry, part of the Financial Services sector (India).

Frequently Asked Questions

What is Five-Star Business Finance Limited’s (FIVESTAR.NS) StockRank?: MoatMap’s StockRank for Five-Star Business Finance Limited (FIVESTAR.NS) is 49/100, with a Hold signal. It is a composite of Quality (56), Value (28), and Momentum (59) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Five-Star Business Finance Limited have an economic moat?: Five-Star Business Finance Limited (FIVESTAR.NS) has a Quality factor score of 56/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Five-Star Business Finance Limited a buy, hold, or sell?: MoatMap’s current signal for Five-Star Business Finance Limited (FIVESTAR.NS) is Hold, based on a StockRank of 49/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Five-Star Business Finance Limited in?: Five-Star Business Finance Limited (FIVESTAR.NS) operates in the Financial Services sector, specifically the Credit Services industry (India).