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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Five-Star Business Finance's Debt-to-EBITDA or its related term are showing as below:
NSE:FIVESTAR'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 4.01 Med: 5.34 Max: 7
Current: 4.92
During the past 7 years, the highest Debt-to-EBITDA Ratio of Five-Star Business Finance was 7.00. The lowest was 4.01. And the median was 5.34.
NSE:FIVESTAR's Debt-to-EBITDA is ranked better than 64.91% of 285
companies
in the Credit Services industry
Industry Median: 9
vs NSE:FIVESTAR: 4.92
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Five-Star Business Finance Debt-to-EBITDA Related Terms
Five-Star Business Finance Debt-to-EBITDA Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:FIVESTAR vs V, MA, AXP: Debt-to-EBITDA Comparison
For the Credit Services subindustry, Five-Star Business Finance's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Five-Star Business Finance Debt-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Five-Star Business Finance's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Five-Star Business Finance's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Five-Star Business Finance (NSE:FIVESTAR) has a Debt-to-EBITDA of 0.00 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Five-Star Business Finance. Over the past decade, Five-Star Business Finance's Debt-to-EBITDA has ranged from 4.01 to 7.00. According to the industry distribution chart, Five-Star Business Finance ranks #100 out of 285 companies in the Credit Services industry, placing it in the top 35.1%.
Is Five-Star Business Finance's Debt-to-EBITDA too high?
Five-Star Business Finance's current Debt-to-EBITDA is 0.00. Over the past 10 years, this metric has ranged from a low of 4.01 to a high of 7.00. Based on the distribution chart, Five-Star Business Finance ranks #100 out of 285 companies in the Credit Services industry, which is above the industry midpoint. Overall, Five-Star Business Finance has a GF Score™ of 91/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Five-Star Business Finance's Debt-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Five-Star Business Finance ranks #100 out of 285 companies for Debt-to-EBITDA. This puts Five-Star Business Finance in the upper half of its industry. The industry median Debt-to-EBITDA is 9.00. Historically, Five-Star Business Finance's own Debt-to-EBITDA has ranged from 4.01 to 7.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Credit Services company?
The median Debt-to-EBITDA among Credit Services companies is 9.00, based on 285 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Five-Star Business Finance. For the Credit Services industry, the median Debt-to-EBITDA is 9.00 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five-Star Business Finance's current Debt-to-EBITDA is 0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Five-Star Business Finance stock overvalued right now?
Based on GuruFocus' analysis, Five-Star Business Finance (NSE:FIVESTAR) is currently considered Possible Value Trap. The stock's GF Value™ is ₹879.40, compared to a current price of ₹553.25 — trading 37.1% below its estimated fair value. The current Debt-to-EBITDA is 0.00. Five-Star Business Finance's overall GF Score™ is 91/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Five-Star Business Finance (NSE:FIVESTAR), the current Debt-to-EBITDA is 0.00 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Five-Star Business Finance (NSE:FIVESTAR) Overvalued in 2026?
Based on GuruFocus' analysis, Five-Star Business Finance stock appears to be undervalued.
The current stock price of ₹553.25 is trading 37.1% below its estimated GF Value™ of ₹879.40.
GuruFocus considers Five-Star Business Finance to be Possible Value Trap.
Key valuation signals for NSE:FIVESTAR:
Debt-to-EBITDA: 0.00
GF Value™: ₹879.40 vs. price of ₹553.25 (37.1% below fair value)
No single metric tells the full story. See the NSE:FIVESTAR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Five-Star Business Finance Ltd provides secured loans to micro-entrepreneurs and self-employed individuals for business purposes, as well as for asset creation such as home renovation or improvement, or meeting expenses for economic events such as marriage, healthcare, and education.
91GF Score
Get the complete analysis for NSE:FIVESTAR
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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