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Five-Star Business Finance Limited (IN:FIVESTAR)
:FIVESTAR
India Market
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Five-Star Business Finance Limited (FIVESTAR) Ratios

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Five-Star Business Finance Limited Ratios

IN:FIVESTAR's free cash flow for Q4 2025 was ₹0.76. For the 2025 fiscal year, IN:FIVESTAR's free cash flow was decreased by ₹ and operating cash flow was ₹0.52. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.00 1.96 1.96 226.68 1.44
Quick Ratio
0.00 -4.68 1.96 226.68 1.45
Cash Ratio
0.00 0.90 0.90 36.16 0.49
Solvency Ratio
0.14 0.13 0.13 0.24 0.30
Operating Cash Flow Ratio
0.00 -1.25 -1.25 -30.29 -0.22
Short-Term Operating Cash Flow Coverage
0.00 -1.36 -1.36 -0.78 -0.23
Net Current Asset Value
₹ -81.16B₹ -31.58B₹ -31.58B₹ 40.40B₹ -8.19B
Leverage Ratios
Debt-to-Assets Ratio
0.55 0.54 0.54 0.49 0.40
Debt-to-Equity Ratio
1.26 1.22 1.22 0.98 0.69
Debt-to-Capital Ratio
0.56 0.55 0.55 0.49 0.41
Long-Term Debt-to-Capital Ratio
0.56 0.48 0.48 0.39 0.27
Financial Leverage Ratio
2.29 2.25 2.25 2.01 1.71
Debt Service Coverage Ratio
0.60 0.56 0.56 0.37 0.64
Interest Coverage Ratio
0.00 50.23 38.89 3.07 272.04
Debt to Market Cap
0.56 0.29 0.29 0.27 0.19
Interest Debt Per Share
268.91 217.50 217.50 154.96 90.85
Net Debt to EBITDA
3.72 4.08 4.08 3.47 2.10
Profitability Margins
Gross Profit Margin
62.02%74.80%74.80%59.49%60.21%
EBIT Margin
51.68%69.14%69.14%58.96%76.30%
EBITDA Margin
52.78%70.62%70.62%55.38%77.32%
Operating Profit Margin
52.73%95.68%74.08%54.24%50.04%
Pretax Profit Margin
49.31%67.24%67.24%53.20%50.51%
Net Profit Margin
36.99%50.37%50.37%39.90%37.92%
Continuous Operations Profit Margin
36.99%50.37%50.37%39.90%37.92%
Net Income Per EBT
75.01%74.91%74.91%74.99%75.06%
EBT Per EBIT
93.52%70.27%90.76%98.10%100.95%
Return on Assets (ROA)
7.54%7.15%7.15%6.93%7.15%
Return on Equity (ROE)
18.95%16.09%16.09%13.91%12.22%
Return on Capital Employed (ROCE)
10.75%15.90%12.31%9.47%11.78%
Return on Invested Capital (ROIC)
7.09%9.00%6.97%6.08%7.14%
Return on Tangible Assets
7.54%7.16%7.16%6.94%7.15%
Earnings Yield
6.22%3.88%3.88%3.83%3.28%
Efficiency Ratios
Receivables Turnover
41.76 33.52 33.52 57.28 0.00
Payables Turnover
41.78 16.48 16.48 30.50 36.60
Inventory Turnover
0.00 0.04 0.00 0.00 -35.49
Fixed Asset Turnover
20.76 30.39 30.39 34.46 37.47
Asset Turnover
0.20 0.14 0.14 0.17 0.19
Working Capital Turnover Ratio
0.00 0.33 0.33 0.34 1.69
Cash Conversion Cycle
<0.01 9.86K -11.25 -5.60 -20.26
Days of Sales Outstanding
8.74 10.89 10.89 6.37 0.00
Days of Inventory Outstanding
0.00 9.87K 0.00 0.00 -10.28
Days of Payables Outstanding
8.74 22.14 22.14 11.97 9.97
Operating Cycle
8.74 9.88K 10.89 6.37 -10.28
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 -72.72 -72.72 -38.54 -9.83
Free Cash Flow Per Share
0.00 -73.49 -73.49 -38.95 -10.14
CapEx Per Share
0.00 0.77 0.77 0.42 0.31
Free Cash Flow to Operating Cash Flow
0.00 1.01 1.01 1.01 1.03
Dividend Paid and CapEx Coverage Ratio
0.00 -94.79 -94.79 -92.53 -32.12
Capital Expenditure Coverage Ratio
0.00 -94.79 -94.79 -92.53 -32.12
Operating Cash Flow Coverage Ratio
0.00 -0.34 -0.34 -0.26 -0.11
Operating Cash Flow to Sales Ratio
0.00 -1.28 -1.28 -0.74 -0.23
Free Cash Flow Yield
0.00%-9.95%-9.95%-7.21%-2.07%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
16.24 25.79 25.79 26.10 30.46
Price-to-Sales (P/S) Ratio
6.00 12.99 12.99 10.41 11.55
Price-to-Book (P/B) Ratio
2.80 4.15 4.15 3.63 3.72
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 -10.05 -10.05 -13.88 -48.33
Price-to-Operating Cash Flow Ratio
0.00 -10.16 -10.16 -14.03 -49.84
Price-to-Earnings Growth (PEG) Ratio
13.51 0.67 0.67 0.91 1.00
Price-to-Fair Value
2.80 4.15 4.15 3.63 3.72
Enterprise Value Multiple
15.09 22.47 22.47 22.27 17.04
Enterprise Value
232.51B 263.38B 263.38B 186.58B 157.59B
EV to EBITDA
14.99 22.47 22.47 22.27 17.04
EV to Sales
7.91 15.87 15.87 12.34 13.17
EV to Free Cash Flow
0.00 -12.28 -12.28 -16.44 -55.14
EV to Operating Cash Flow
0.00 -12.41 -12.41 -16.62 -56.86
Tangible Book Value Per Share
213.77 177.72 177.72 147.08 129.93
Shareholders’ Equity Per Share
214.01 178.05 178.05 148.94 131.62
Tax and Other Ratios
Effective Tax Rate
0.25 0.25 0.25 0.25 0.25
Revenue Per Share
99.77 56.87 56.87 51.91 42.43
Net Income Per Share
36.91 28.64 28.64 20.71 16.09
Tax Burden
0.75 0.75 0.75 0.75 0.75
Interest Burden
0.95 0.97 0.97 0.90 0.66
Research & Development to Revenue
0.00 0.00 0.00 <0.01 <0.01
SG&A to Revenue
0.00 0.26 0.26 0.23 0.02
Stock-Based Compensation to Revenue
0.00 <0.01 <0.01 0.02 0.03
Income Quality
0.00 -2.54 -2.54 -1.40 -0.46
Currency in INR
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