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The historical rank and industry rank for Five-Star Business Finance's PB Ratio or its related term are showing as below:
NSE:FIVESTAR'
s PB Ratio Range Over the Past 10 Years
Min: 1.44 Med: 3.54 Max: 4.95
Current: 2.18
During the past 7 years, Five-Star Business Finance's highest PB Ratio was 4.95. The lowest was 1.44. And the median was 3.54.
NSE:FIVESTAR's PB Ratio is ranked worse than 77.14% of 525
companies
in the Credit Services industry
Industry Median: 1.05
vs NSE:FIVESTAR: 2.18
During the past 12 months, Five-Star Business Finance's average Book Value Per Share Growth Rate was 16.80% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 18.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 23.80% per year.
During the past 7 years, the highest 3-Year average Book Value Per Share Growth Rate of Five-Star Business Finance was 30.70% per year. The lowest was 18.80% per year. And the median was 24.80% per year.
Back to Basics: PB Ratio
Five-Star Business Finance (NSE:FIVESTAR) PB Ratio Explanation
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Five-Star Business Finance PB Ratio Related Terms
Five-Star Business Finance PB Ratio 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.
For the Credit Services subindustry, Five-Star Business Finance's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Five-Star Business Finance's PB Ratio distribution charts can be found below:
* The bar in red indicates where Five-Star Business Finance's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Five-Star Business Finance (NSE:FIVESTAR) has a PB Ratio of 2.19 as of Jul. 15, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Five-Star Business Finance and its competitors. This is 38% below median its historical median of 3.54. Over the past decade, Five-Star Business Finance's PB Ratio has ranged from 1.44 to 4.95. According to the industry distribution chart, Five-Star Business Finance ranks #405 out of 525 companies in the Credit Services industry, placing it in the top 77.1%.
Is Five-Star Business Finance's PB Ratio too high?
Five-Star Business Finance's current PB Ratio of 2.19 is 38% below median its 10-year median of 3.54. Over the past 10 years, this metric has ranged from a low of 1.44 to a high of 4.95. The Credit Services industry median PB Ratio is 1.05. Five-Star Business Finance's value of 2.19 is 108.6% above this industry median. Based on the distribution chart, Five-Star Business Finance ranks #405 out of 525 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 82/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Five-Star Business Finance's PB Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Five-Star Business Finance ranks #405 out of 525 companies for PB Ratio. This places Five-Star Business Finance in the lower half of its industry. The industry median PB Ratio is 1.05. Five-Star Business Finance's value of 2.19 is 108.6% above this benchmark. Historically, Five-Star Business Finance's own PB Ratio has ranged from 1.44 to 4.95 over the past decade. While the company's 10-year median is 3.54 vs. the industry median of 1.05, 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 PB Ratio for a Credit Services company?
The median PB Ratio among Credit Services companies is 1.05, based on 525 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Five-Star Business Finance's current PB Ratio of 2.19 is 108.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Five-Star Business Finance and its competitors. For the Credit Services industry, the median PB Ratio is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Five-Star Business Finance's current PB Ratio is 2.19, which is 38% below median its own 10-year median of 3.54. 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 ₹974.50, compared to a current price of ₹547.00 — trading 43.9% below its estimated fair value. The current PB Ratio is 2.19, which is 38% below median its 10-year median of 3.54 and 108.6% above the Credit Services industry median of 1.05. Five-Star Business Finance's overall GF Score™ is 82/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Five-Star Business Finance (NSE:FIVESTAR), the current PB Ratio is 2.19 as of Jul. 15, 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 ₹547.00 is trading 43.9% below its estimated GF Value™ of ₹974.50.
GuruFocus considers Five-Star Business Finance to be Possible Value Trap.
Key valuation signals for NSE:FIVESTAR:
PB Ratio: 2.19 (38% below median its 10-year median of 3.54)
GF Value™: ₹974.50 vs. price of ₹547.00 (43.9% below fair value)
Industry Position: 108.6% above the Credit Services median (#405 of 525)
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.
82GF Score
Get the complete analysis for NSE:FIVESTAR
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