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Five-Star Business FinanceNSE:FIVESTAR -1.66%91 EV-to-EBITDA is 13.29 as of Aug. 14, 2026, which is 28% below its 10-year median of 18.43. GuruFocus rates NSE:FIVESTAR with a GF Score™ of 91/100 and a GF Value™ of ₹881.46 (Possible Value Trap). The stock has 3 warning signs investors should review. Among 329 Credit Services companies, Five-Star Business Finance ranks better than 64.44% on this metric.
EV-to-EBITDA is calculated as enterprise value divided by its EBITDA. As of today, Five-Star Business Finance's enterprise value is ₹221,607 Mil.
Five-Star Business Finance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 was ₹16,672 Mil. Therefore, Five-Star Business Finance's EV-to-EBITDA for today is 13.29.
The historical rank and industry rank for Five-Star Business Finance's EV-to-EBITDA or its related term are showing as below:
NSE:FIVESTAR'
s EV-to-EBITDA Range Over the Past 10 Years
Min: 6.37 Med: 18.43 Max: 26.3
Current: 13.29
During the past 7 years, the highest EV-to-EBITDA of Five-Star Business Finance was 26.30. The lowest was 6.37. And the median was 18.43.
NSE:FIVESTAR's EV-to-EBITDA is ranked better than 64.44% of 329
companies
in the Credit Services industry
Industry Median: 21.24
vs NSE:FIVESTAR: 13.29
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio to determine the fair market value of a company.
Five-Star Business Finance (NSE:FIVESTAR) EV-to-EBITDA Explanation
EV-to-EBITDA is a valuation multiple used in finance and investment to measure the value of a company. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Five-Star Business Finance's PE Ratio (TTM) for today is calculated as:
Five-Star Business Finance's share price for today is ₹545.20.
Five-Star Business Finance's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹37.390.
* 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.
Study has found that the companies with the lowest EV-to-EBITDA outperforms companies measured as cheap by other ratios such as PE Ratio (TTM).
* 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: EV-to-EBITDA Comparison
For the Credit Services subindustry, Five-Star Business Finance's EV-to-EBITDA, along with its competitors' market caps and EV-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 EV-to-EBITDA vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Five-Star Business Finance's EV-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Five-Star Business Finance's EV-to-EBITDA falls into.
Five-Star Business Finance's current Enterprise Value is ₹221,607 Mil.
Five-Star Business Finance's EBITDA for the trailing twelve months (TTM) ended in Jun. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹16,672 Mil.
* 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.
Five-Star Business Finance (NSE:FIVESTAR) has a EV-to-EBITDA of 13.29 as of Aug. 14, 2026. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Five-Star Business Finance. This is 28% below median its historical median of 18.43. Over the past decade, Five-Star Business Finance's EV-to-EBITDA has ranged from 6.37 to 26.30. According to the industry distribution chart, Five-Star Business Finance ranks #117 out of 329 companies in the Credit Services industry, placing it in the top 35.6%.
Is Five-Star Business Finance's EV-to-EBITDA too high?
Five-Star Business Finance's current EV-to-EBITDA of 13.29 is 28% below median its 10-year median of 18.43. Over the past 10 years, this metric has ranged from a low of 6.37 to a high of 26.30. The Credit Services industry median EV-to-EBITDA is 21.24. Five-Star Business Finance's value of 13.29 is 37.4% below this industry median. Based on the distribution chart, Five-Star Business Finance ranks #117 out of 329 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 EV-to-EBITDA compare to V and MA?
According to the Credit Services industry distribution chart, Five-Star Business Finance ranks #117 out of 329 companies for EV-to-EBITDA. This puts Five-Star Business Finance in the upper half of its industry. The industry median EV-to-EBITDA is 21.24. Five-Star Business Finance's value of 13.29 is 37.4% below this benchmark. Historically, Five-Star Business Finance's own EV-to-EBITDA has ranged from 6.37 to 26.30 over the past decade. While the company's 10-year median is 18.43 vs. the industry median of 21.24, Five-Star Business Finance has consistently been below 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 EV-to-EBITDA for a Credit Services company?
The median EV-to-EBITDA among Credit Services companies is 21.24, based on 329 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five-Star Business Finance's current EV-to-EBITDA of 13.29 is 37.4% below 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 EV-to-EBITDA mean?
A high EV-to-EBITDA can signal that a stock is expensive relative to its fundamentals. EV to EBITDA ratio is the company's enterprise value divided by earnings before interest, taxes, depreciation and amortization. View historical data on Five-Star Business Finance. For the Credit Services industry, the median EV-to-EBITDA is 21.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five-Star Business Finance's current EV-to-EBITDA is 13.29, which is 28% below median its own 10-year median of 18.43. 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 ₹881.46, compared to a current price of ₹545.20 — trading 38.1% below its estimated fair value. The current EV-to-EBITDA is 13.29, which is 28% below median its 10-year median of 18.43 and 37.4% below the Credit Services industry median of 21.24. Five-Star Business Finance's overall GF Score™ is 91/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-EBITDA calculated?
EV-to-EBITDA is calculated from a company's financial statements. For Five-Star Business Finance (NSE:FIVESTAR), the current EV-to-EBITDA is 13.29 as of Aug. 14, 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 ₹545.20 is trading 38.1% below its estimated GF Value™ of ₹881.46.
GuruFocus considers Five-Star Business Finance to be Possible Value Trap.
Key valuation signals for NSE:FIVESTAR:
EV-to-EBITDA: 13.29 (28% below median its 10-year median of 18.43)
GF Value™: ₹881.46 vs. price of ₹545.20 (38.1% below fair value)
Industry Position: 37.4% below the Credit Services median (#117 of 329)
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
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