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Five-Star Business FinanceNSE:FIVESTAR -0.91%90 Interest Coverage is No Debt (1) as of Jun. 2026, which is 100% below its 10-year median of 93.29. GuruFocus rates NSE:FIVESTAR with a GF Score™ of 90/100 and a GF Value™ of ₹884.65 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 163 Credit Services companies, Five-Star Business Finance ranks worse than 613496.32% on this metric.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's
Operating Income
by its Interest Expense. Five-Star Business Finance's
Operating Income
for the
three
months ended in Jun. 2026 was ₹4,062 Mil. Five-Star Business Finance's Interest Expense for the
three
months ended in Jun. 2026 was ₹0 Mil.
Five-Star Business Finance has no debt.
The higher the ratio, the stronger the company's financial strength is.
(1) Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
The historical rank and industry rank for Five-Star Business Finance's Interest Coverage or its related term are showing as below:
NSE:FIVESTAR's Interest Coverage is not ranked *
in the Credit Services industry.
Industry Median: 52.24 * Ranked among companies with meaningful Interest Coverage only.
Five-Star Business Finance (NSE:FIVESTAR) Interest Coverage Explanation
Ben Graham requires that a company has a minimum interest coverage of 5 with the companies he invested. If the interest coverage is less than 2, the company is burdened by debt. Any business slow or recession may drag the company into a situation where it cannot pay the interest on its debt.
Interest Coverage is an important factor when GuruFocus ranks a company's overage Financial Strength .
Five-Star Business Finance Interest Coverage Related Terms
Five-Star Business Finance Interest Coverage 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.
Note: For Interest Coverage, "No debt" indicates no long-term debt. An indication of "No Debt" does not necessarily mean that the company has no long-term debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
Five-Star Business Finance Interest Coverage Chart
NSE:FIVESTAR vs V, MA, AXP: Interest Coverage Comparison
For the Credit Services subindustry, Five-Star Business Finance's Interest Coverage, along with its competitors' market caps and Interest Coverage 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 Interest Coverage vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Five-Star Business Finance's Interest Coverage distribution charts can be found below:
* The bar in red indicates where Five-Star Business Finance's Interest Coverage falls into.
Five-Star Business Finance Interest Coverage Calculation
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
* 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.
What does a Interest Coverage of No Debt <sup>(1)</sup> mean?
Five-Star Business Finance (NSE:FIVESTAR) has a Interest Coverage of No Debt (1) as of Jun. 2026. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Five-Star Business Finance and its competitors. This is 99% below median its historical median of 93.29. Over the past decade, Five-Star Business Finance's Interest Coverage has ranged from 9.81 to 284.87. According to the industry distribution chart, Five-Star Business Finance ranks #999999 out of 163 companies in the Credit Services industry.
Is Five-Star Business Finance's Interest Coverage too high?
Five-Star Business Finance's current Interest Coverage of No Debt (1) is 99% below median its 10-year median of 93.29. Over the past 10 years, this metric has ranged from a low of 9.81 to a high of 284.87. Based on the distribution chart, Five-Star Business Finance ranks #999999 out of 163 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Five-Star Business Finance has a GF Score™ of 90/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Five-Star Business Finance's Interest Coverage compare to V and MA?
According to the Credit Services industry distribution chart, Five-Star Business Finance ranks #999999 out of 163 companies for Interest Coverage. This places Five-Star Business Finance in the lower half of its industry. The industry median Interest Coverage is 52.24. Historically, Five-Star Business Finance's own Interest Coverage has ranged from 9.81 to 284.87 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 Interest Coverage for a Credit Services company?
The median Interest Coverage among Credit Services companies is 52.24, based on 163 companies in the industry. Companies in the top quartile (top 25%) have a Interest Coverage significantly above this median, while those in the bottom quartile fall well below. However, Interest Coverage 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 Interest Coverage mean?
A high Interest Coverage can signal that a stock is expensive relative to its fundamentals. Interest Coverage measures a company's capability to pay interest expenses on its debt. View historical data on Five-Star Business Finance and its competitors. For the Credit Services industry, the median Interest Coverage is 52.24 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five-Star Business Finance's current Interest Coverage is No Debt (1), which is 99% below median its own 10-year median of 93.29. 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 ₹884.65, compared to a current price of ₹547.95 — trading 38.1% below its estimated fair value. The current Interest Coverage is No Debt (1), which is 99% below median its 10-year median of 93.29. Five-Star Business Finance's overall GF Score™ is 90/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Interest Coverage calculated?
Interest Coverage is calculated from a company's financial statements. For Five-Star Business Finance (NSE:FIVESTAR), the current Interest Coverage is No Debt (1) 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 ₹547.95 is trading 38.1% below its estimated GF Value™ of ₹884.65.
GuruFocus considers Five-Star Business Finance to be Possible Value Trap.
Key valuation signals for NSE:FIVESTAR:
Interest Coverage: No Debt (1) (99% below median its 10-year median of 93.29)
GF Value™: ₹884.65 vs. price of ₹547.95 (38.1% 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.
90GF Score
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