FIVESTAR.NS
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Acid Test Ratio: NA

Inventory Turnover: NA

Coverage Analysis: At a very strong financial position where company is easily able to pay its interest payments from its earnings (EBIT + Lease Payments)

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

P/E Ratio: A little overvalued stock but represent growth stock and possibility of future growth

Performance Graph
Financial Ratios
Ratio Value
PE Ratio28.03
Net Profit Margin0.40
Acid Test Ratio0.00
Inventory Turnover0.00
Coverage Ratio36.30
Debt to Equity1.22
Key Ratios

Net Profit Margin: Making very high profit as compared to its revenue which generally means either business holds monopoly in the market or it is a high-margin business

Return on Assets: Very high efficiency of the assets which indicates assets are making high contribution to the revenue

Return on Equity: Giving good returns on equity which is generally acceptable for most industries

Performance Graph
Profitability Ratios
Ratio Value
Net Profit Margin0.40
Return on Assets0.62
Return on Equity0.16
Performance Graph
Key Ratios

Acid Test Ratio: NA

Current Ratio: It has a good balance between assets & liabilities and would be just able to cover its short-term liabilities

Performance Graph
Liquidity Ratios
Ratio Value
Acid Test Ratio0.00
Current Ratio1.96
Performance Graph
Key Ratios

Inventory Turnover: NA

Performance Graph
Efficiency Ratios
Ratio Value
Inventory Turnover0.00
Performance Graph
Key Ratios

Coverage Analysis: At a very strong financial position where company is easily able to pay its interest payments from its earnings (EBIT + Lease Payments)

Performance Graph
Coverage Ratios
Ratio Value
Coverage Ratio36.30
Performance Graph
Key Ratios

Debt to Equity Ratio: Company has moderate debt when compared to its equity which means it would be just able to pay its debt with the equity

Interest Coverage Ratio: Company is at low risk of getting default as it can easily cover its interest payments and strong financial health

Performance Graph
Solvency Ratios
Ratio Value
Debt to Equity Ratio1.22
Interest Coverage Ratio36.30
Performance Graph
Key Ratios

P/E Ratio: A little overvalued stock but represent growth stock and possibility of future growth

Dividend Yield: NA

Performance Graph
Market Ratios
Ratio Value
P/E Ratio28.03
Gross Profit Margin0.61
Price to Book Ratio4.51
Dividend Yield0.00
Performance Graph

Balance Sheet Analysis of Five-Star Business Finance Limited

The balance sheet in the financial statement of the company shows its financial position at a particular point in time.

It consists of the following:

  • Assets: Something that the company owns and that gives financial benefits over a period of time.
  • Liabilities: Something that a company owes and that has a financial burden on the company.
  • Equity: It is basically the owner’s share in the company.

The formula is:

Assets = Liabilities + Equity
đź“ŚAssets:
Asset
Value & Year
2024
2023
2022
Total Assets 116888000000 87028279000 63430660000
Total Non Current Assets 83537894000 61078494000 45296330000
Other Non Current Assets 42199000 195949000 1790000
Non Current Prepaid Assets - - -
Non Current Deferred Taxes Assets 727329000 533260000 466670000
Financial Assets 43446000 34609000 -
Investment In Financial Assets 1427762000 2369460000 2279610000
Held To Maturity Securities - - -
Available For Sale Securities 1427762000 2369460000 2279610000
Financial Assets Fair Value - - -
Long Term Equity Investment - - -
Investments In Associates At Cost - - -
Goodwill And Other Intangible Assets 96854000 9771000 8870000
Other Intangible Assets 96854000 9771000 8870000
Goodwill - - -
Net Ppe 546160000 438919000 319260000
Accumulated Depreciation -373994000 -287818000 -206760000
Gross Ppe 920154000 726737000 526020000
Construction In Progress - - -
Other Properties 340775000 284618000 197810000
Machinery Furniture Equipment 533504000 396294000 286750000
Buildings And Improvements 45875000 45825000 41460000
Land And Improvements - - -
Properties - - -
Current Assets 33349897000 25949785000 18134330000
Other Current Assets 193832000 - 126580000
Hedging Assets Current - - -
Assets Held For Sale Current - - -
Restricted Cash - - -
Prepaid Assets - - -
Inventory - - -
Other Inventories - - -
Finished Goods - - -
Work In Process - - -
Raw Materials - - -
Other Receivables 16222119000 10745146000 8826350000
Taxes Receivable - - -
Accounts Receivable - - -
Allowance For Doubtful Accounts Receivable - - -
Gross Accounts Receivable - - -
Cash Cash Equivalents And Short Term Investments 16933946000 15204639000 9181400000
Other Short Term Investments 1589953000 1801059000 3049770000
Cash And Cash Equivalents 15343993000 13403580000 6131630000
Cash Equivalents 13728724000 11957536000 5607040000
Cash Financial 1615269000 1446044000 524590000
đź“Ś Liabilities & Equity
Liability/Equity
Value & Year
2024
2023
2022
Net Debt 47814458000 29069211000 19456660000
Total Debt 63158451000 42472791000 25588290000
Total Liabilities Net Minority Interest 64926245000 43632932000 26327150000
Total Non Current Liabilities Net Minority Interest 47904466000 28308209000 13719040000
Other Non Current Liabilities 126810000 182437000 20000
Derivative Product Liabilities 6087000 - 13890000
Non Current Pension And Other Postretirement Benefit Plans 100358000 97144000 53520000
Trade And Other Payables Non Current - - -
Non Current Deferred Revenue - - -
Non Current Deferred Taxes Liabilities - - -
Long Term Debt And Capital Lease Obligation 47559169000 28004743000 13507010000
Long Term Capital Lease Obligation - - -
Long Term Debt 47559169000 28004743000 13507010000
Long Term Provisions 209179000 - -
Current Liabilities 17021779000 15324723000 12608110000
Other Current Liabilities - - -
Current Deferred Taxes Liabilities - - -
Current Debt And Capital Lease Obligation 15599282000 14468048000 12081280000
Current Capital Lease Obligation - - -
Current Debt 15599282000 14468048000 12081280000
Pension And Other Post Retirement Benefit Plans Current 108821000 18673000 36480000
Current Provisions - 115817000 -
Payables 555439000 437323000 220270000
Other Payable 126810000 182437000 90230000
Dividends Payable - - -
Total Tax Payable 174886000 53985000 -
Accounts Payable 253743000 200901000 130040000
Common Stock Equity 51961547000 43395347000 37103510000
Total Capitalization 99520716000 71400090000 50610520000
Total Equity Gross Minority Interest 51961547000 43395347000 37103510000
Minority Interest - - -
Stockholders Equity 51961547000 43395347000 37103510000
Other Equity Interest 563470000 612040000 340590000
Treasury Stock - - -
Retained Earnings 22060874000 15378867000 10561680000
Additional Paid In Capital 23415890000 23143681000 23136190000
Capital Stock 292449000 291366000 291340000
Common Stock 292449000 291366000 291340000

Income statement interpretation for Five-Star Business Finance Limited

The income statement in the financial statement of the company shows its company financial performance over a period in time.

It consists of the following:

  • Revenue: It is the total amount of money earned from the core business activity of the company.
  • Expenses: It is the total amount required for running the full functionality of the company.
  • Profit or loss:In very simple terms, when a company pays its expenses using its revenue, then what’s left is profit, and in case expenses are more when compared with revenue, then it is loss.
đź“ŚRevenue & Profitability
Revenue/Profitability
Value & Year
2024
2023
2022
Total Revenue 20780981000 14696193000 12331615000
Operating Revenue 20780981000 14696193000 12331615000
Cost Of Revenue 8079237000 4621444000 5367152000
Gross Profit 12701744000 10074749000 6964463000
Ebitda 11721242000 9091377000 6389642000
Ebit 11475530000 8918253000 6267195000
Operating Income 10552716000 8540384000 6267195000
Net Income 8359163000 6034961000 4535445000
Net Income From Continuing Operation Net Minority Interest 8359163000 6034961000 4535445000
Net Income From Continuing And Discontinued Operation 8359163000 6034961000 4535445000
Net Income Common Stockholders 8359163000 6034961000 4535445000
Net Income Including Noncontrolling Interests 8359163000 6034961000 4535445000
Net Income Discontinuous Operations - - -
Net Income Continuous Operations 8359163000 6034961000 4535445000
Normalized Income 8014498477 6007689739 4720222942
Normalized Ebitda 11261120000 9055012000 6635802000
Total Unusual Items 460122000 36365000 -246160000
Total Unusual Items Excluding Goodwill 460122000 36365000 -246160000
đź“ŚExpenses & Taxes
Expenses/Taxes
Value & Year
2024
2023
2022
Reconciled Depreciation 245712000 173124000 122447000
Reconciled Cost Of Revenue 8079237000 4621444000 5367152000
Total Expenses 10228265000 6155809000 6064420000
Operating Expense 2149028000 1534365000 697268000
Other Operating Expenses 1153684000 587558000 574821000
Depreciation And Amortization In Income Statement 245712000 173124000 122447000
Amortization 29104000 4069000 11690000
Depreciation Income Statement 216608000 169055000 122447000
Selling General And Administration 290073000 201904000 232370000
Selling And Marketing Expense 8368000 3282000 750000
General And Administrative Expense 281705000 198622000 231620000
Rent And Landing Fees 7424000 4997000 5290000
Tax Provision 2800195000 2012388000 1506646000
Pretax Income 11159358000 8047349000 6042091000
Other Non Operating Income Expenses 27208000 7279000 21056000
Special Income Charges 16679000 -46694000 -455181000
Other Special Charges 215000 283000 130000
Write Off -16894000 46411000 455181000
Net Non Operating Interest Income Expense 119312000 -536679000 282390000
Total Other Finance Cost 44245000 23312000 28100000
Interest Expense Non Operating 316172000 870904000 22000000
Interest Income Non Operating 479729000 357537000 332490000
đź“Ś Earnings Per Share
Earnings Per Share
Value & Year
2024
2023
2022
Diluted Eps 28.39 20.49 15.57
Basic Eps 28.64 20.71 15.57
Diluted Ni Avail To Com Stockholders 8359163000 6034961000 4535445000
Net Income From Continuing Operations 11159358000 8047349000 6042091000
Minority Interests - - -

Cash flow analysis for Five-Star Business Finance Limited

The cashflow statement in the financial statement of the company shows how cash is moving in or moving out of the company over a period of time.

It consists of the following:

  • Operating activities: Cash flow from the core business operations.
  • Investing activities: Cashflow from investments made by the company.
  • Financing activities: These are cash from loans or by issuing shares or paying out dividends.
đź“ŚOperating Cash Flow
Operating Cash Flow
Value & Year
2024
2023
2022
Operating Cash Flow -21223409000 -11228077000 -2771598000
Changes In Cash 1940413000 7271952000 -6540200000
Taxes Refund Paid -2873239000 -2014907000 -1538341000
Change In Working Capital -28487323000 -17651022000 -7791216000
Change In Other Current Liabilities 273073000 197258000 102781000
Change In Other Current Assets -337775000 -210887000 -215456000
Change In Payable 52842000 70870000 43314000
Change In Inventory - - -
Change In Receivables -28561712000 -17719671000 -7722715000
Other Non Cash Items -16480889000 -12325327000 -9031656000
Stock Based Compensation 155433000 276419000 354418000
Provision And Write Off Of Assets - - -
Depreciation And Amortization 245712000 173124000 122447000
Amortization Cash Flow 29104000 4069000 -
Depreciation 216608000 169055000 122447000
đź“ŚInvesting Cash Flow
Investing Cash Flow
Value & Year
2024
2023
2022
Investing Cash Flow 2101582000 1617837000 -3838842000
Net Other Investing Changes - - -
Interest Received Cfi 477021000 331401000 215527000
Dividends Received Cfi - - -
Net Investment Purchase And Sale 1847707000 1407598000 -3968174000
Sale Of Investment - - -
Purchase Of Investment - - -
Net Business Purchase And Sale - - -
Sale Of Business - - -
Purchase Of Business - - -
Net Ppe Purchase And Sale -223146000 -121162000 -86195000
Sale Of Ppe 765000 178000 90000
Purchase Of Ppe -223911000 -121340000 -86285000
Net Intangibles Purchase And Sale - - -
Purchase Of Intangibles - - -
đź“Ś Financing Cash Flow
Financing Cash Flow
Value & Year
2024
2023
2022
Financing Cash Flow 21062240000 16882192000 70240000
Net Other Financing Charges - - 1000
Interest Paid Cff - - -
Cash Dividends Paid - - -
Common Stock Dividend Paid - - -
Net Common Stock Issuance 69289000 2558000 9071281000
Common Stock Payments - - -
Common Stock Issuance 69289000 2558000 9071281000
Repurchase Of Capital Stock - - -
Repayment Of Debt -18192011000 -14078136000 -12083040000
Issuance Of Debt 39291182000 31035620000 3154100000
Issuance Of Capital Stock 69289000 2558000 9071281000
Net Issuance Payments Of Debt 21099171000 16957484000 -8928940000
Net Short Term Debt Issuance 21099171000 16957484000 -
Short Term Debt Issuance 39291182000 31035620000 -
Net Long Term Debt Issuance 21099171000 16957484000 -8928940000
Long Term Debt Payments -18192011000 -14078136000 -12083040000
Long Term Debt Issuance 39291182000 31035620000 3154100000
Net Preferred Stock Issuance - - -
Preferred Stock Payments - - -

Summary

Fundamental Overview of FIVESTAR.NS (Five-Star Business Finance Limited)

Above is the summary for fundamental analysis of Five-Star Business Finance Limited , whose ticker name is FIVESTAR.NS and belongs to sector Financial Services, and it is listed in NSE (National Stock Exchange).

The Five-Star Business Finance Limited which is listed in NSE (National Stock Exchange) has a PE ratio of 28.03, FIVESTAR.NS has a net profit margin of 0.40, the acid test ratio for FIVESTAR.NS is 0.00, FIVESTAR.NS has an inventory turnover of 0.00, and FIVESTAR.NS has debt-to-equity ratio of 1.22.

The FIVESTAR.NS whose company name is Five-Star Business Finance Limited has made profit/loss of 12701744000 with total revenue of 20780981000, FIVESTAR.NS has assets worth of 116888000000.

1. What is fundamental analysis?

Fundamental analysis is looking into a company’s real business performance by analyzing financial statements, earning reports, and key valuation ratios.

Basically, fundamental analysis involves examining a company’s revenue, profits, losses, debts, assets, liabilities, and ratios calculated using these values to determine long-term investment strategies.

Fundamental analysis may not work for short-term trading of stock; it is usually incorporated by long-term investors.

2. Importance of Fundamental Analysis

Imagine you are locking a good amount of funds into an unknown company for many years. Sounds stupid, right?

This is where fundamental analysis comes into the picture, which turns an unknown enemy into a known friend.

As fundamental analysis involves calculating how a company is actually performing, the real revenue, profits, assets, liabilities, debts, and more. This helps investors to determine what the actual current financial condition of the company is, how much the company’s stock price is justified when compared to earnings (Corporate earnings reports India) that it is making through business, what the probability is that the company will go bankrupt in the future, how much growth the company has shown in the past, and other financial ratios.

All these calculations and analyses determine the financial health of the company, historical business growth, company’s efficiency, and its stock price compared with real earnings (Corporate earnings reports India), which helps traders to make investment decisions for long-term investment strategies.

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  • Search for the stock that you want to analyze in the search bar by typing the name of the company or ticker.
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  • On the “Fundamental Analysis” page, the first tab is for “Summary and Ratio,” where in the top section you can find the overall summary of the stock’s fundamental analysis, where on the leftmost side it has a textual summary, then in the middle a gauge chart that represents overall financial health, and then a list of important ratios.
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  • Then in the same “Summary and Ratio” tab, we have included a detailed analysis of stock in various aspects, which includes “Profitability Analysis,” “Liquidity Analysis,” “Efficiency Analysis,” “Coverage Analysis,” Solvency Analysis,” and “Market Analysis,” which divide the stock’s fundamentals into the above aspects and analyze each in the same format as for overall analysis, where the leftmost side has a textual summary, then in the middle a gauge chart that represents overall analysis of the particular section, and then a list of important ratios. Required for the particular analysis.
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