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Five-Star Business FinanceNSE:FIVESTAR -2.16%86 3-Year EBITDA Growth Rate is 20.10% as of Jun. 2026, which is 40% below its 10-year median of 33.45. GuruFocus rates NSE:FIVESTAR with a GF Score™ of 86/100 and a GF Value™ of ₹873.76 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 324 Credit Services companies, Five-Star Business Finance ranks better than 62.96% on this metric.
During the past 12 months, Five-Star Business Finance's average EBITDA Per Share Growth Rate was 8.20% per year.
During the past 3 years, the average EBITDA Per Share Growth Rate was 20.10% per year.
During the past 5 years, the average EBITDA Per Share Growth Rate was 28.00% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
During the past 7 years, the highest 3-Year average EBITDA Per Share Growth Rate of Five-Star Business Finance was 35.50% per year. The lowest was 20.10% per year. And the median was 33.45% per year.
Five-Star Business Finance (NSE:FIVESTAR) 3-Year EBITDA Growth Rate Explanation
EBITDA per Share is the amount of Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) per outstanding share of the company's stock.
Earnings Before Interest, Taxes, Depreciation, and Amortization (EBITDA) is what the company earns before it expenses interest, taxes, depreciation and amortization.
Five-Star Business Finance 3-Year EBITDA Growth Rate Related Terms
NSE:FIVESTAR vs V, MA, AXP: 3-Year EBITDA Growth Rate Comparison
For the Credit Services subindustry, Five-Star Business Finance's 3-Year EBITDA Growth Rate, along with its competitors' market caps and 3-Year EBITDA Growth Rate 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 3-Year EBITDA Growth Rate vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Five-Star Business Finance's 3-Year EBITDA Growth Rate distribution charts can be found below:
* The bar in red indicates where Five-Star Business Finance's 3-Year EBITDA Growth Rate falls into.
Five-Star Business Finance 3-Year EBITDA Growth Rate Calculation
This is the 3-year average growth rate of EBITDA per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EBITDA per share growth rate.
What does a 3-Year EBITDA Growth Rate of 20.10% mean?
Five-Star Business Finance (NSE:FIVESTAR) has a 3-Year EBITDA Growth Rate of 20.10% as of Jun. 2026. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Five-Star Business Finance and its competitors. This is 40% below median its historical median of 33.45. Over the past decade, Five-Star Business Finance's 3-Year EBITDA Growth Rate has ranged from 20.10 to 35.50. According to the industry distribution chart, Five-Star Business Finance ranks #120 out of 324 companies in the Credit Services industry, placing it in the top 37%.
Is Five-Star Business Finance's 3-Year EBITDA Growth Rate too high?
Five-Star Business Finance's current 3-Year EBITDA Growth Rate of 20.10% is 40% below median its 10-year median of 33.45. Over the past 10 years, this metric has ranged from a low of 20.10 to a high of 35.50. The Credit Services industry median 3-Year EBITDA Growth Rate is 9.80. Five-Star Business Finance's value of 20.10% is 105.1% above this industry median. Based on the distribution chart, Five-Star Business Finance ranks #120 out of 324 companies in the Credit Services industry, which is above the industry midpoint. Overall, Five-Star Business Finance has a GF Score™ of 86/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Five-Star Business Finance's 3-Year EBITDA Growth Rate compare to V and MA?
According to the Credit Services industry distribution chart, Five-Star Business Finance ranks #120 out of 324 companies for 3-Year EBITDA Growth Rate. This puts Five-Star Business Finance in the upper half of its industry. The industry median 3-Year EBITDA Growth Rate is 9.80. Five-Star Business Finance's value of 20.10% is 105.1% above this benchmark. Historically, Five-Star Business Finance's own 3-Year EBITDA Growth Rate has ranged from 20.10 to 35.50 over the past decade. While the company's 10-year median is 33.45 vs. the industry median of 9.80, Five-Star Business Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EBITDA Growth Rate for a Credit Services company?
The median 3-Year EBITDA Growth Rate among Credit Services companies is 9.80, based on 324 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EBITDA Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EBITDA Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five-Star Business Finance's current 3-Year EBITDA Growth Rate of 20.10% is 105.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EBITDA Growth Rate mean?
A high 3-Year EBITDA Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EBITDA Growth Rate is the 3-year average growth rate of EBITDA per share. View historical data for Five-Star Business Finance and its competitors. For the Credit Services industry, the median 3-Year EBITDA Growth Rate is 9.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five-Star Business Finance's current 3-Year EBITDA Growth Rate is 20.10%, which is 40% below median its own 10-year median of 33.45. 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 ₹873.76, compared to a current price of ₹523.05 — trading 40.1% below its estimated fair value. The current 3-Year EBITDA Growth Rate is 20.10%, which is 40% below median its 10-year median of 33.45 and 105.1% above the Credit Services industry median of 9.80. Five-Star Business Finance's overall GF Score™ is 86/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EBITDA Growth Rate calculated?
3-Year EBITDA Growth Rate is calculated from a company's financial statements. For Five-Star Business Finance (NSE:FIVESTAR), the current 3-Year EBITDA Growth Rate is 20.10% 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 ₹523.05 is trading 40.1% below its estimated GF Value™ of ₹873.76.
GuruFocus considers Five-Star Business Finance to be Possible Value Trap.
Key valuation signals for NSE:FIVESTAR:
3-Year EBITDA Growth Rate: 20.10% (40% below median its 10-year median of 33.45)
GF Value™: ₹873.76 vs. price of ₹523.05 (40.1% below fair value)
Industry Position: 105.1% above the Credit Services median (#120 of 324)
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.
86GF Score
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3-Year EBITDA Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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