Star Housing Finance Intrinsic Value
STARHFL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹13.20 | ₹10.56 - ₹15.84 | -1.9% | EPS: ₹1.10, Sector P/E: 12x |
| Book Value Method | asset | ₹28.80 | ₹25.92 - ₹31.68 | +114.1% | Book Value/Share: ₹36.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹24.50 | ₹22.05 - ₹26.95 | +82.2% | Revenue/Share: ₹24.50, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹26.90 | ₹24.21 - ₹29.59 | +100.0% | EBITDA: ₹63.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹17.60 | ₹15.84 - ₹19.36 | +30.9% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹9.46 | ₹8.51 - ₹10.41 | -29.7% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹20.00 | ₹18.00 - ₹22.00 | +48.7% | ROE: 5.6%, P/E Multiple: 10x |
| Graham Defensive Method | conservative | ₹29.85 | ₹26.87 - ₹32.84 | +121.9% | EPS: ₹1.10, BVPS: ₹36.00 |
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Valuation Comparison Chart
STARHFL Intrinsic Value Analysis
What is the intrinsic value of STARHFL?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Star Housing Finance (STARHFL) is ₹24.50 (median value). With the current market price of ₹13.45, this represents a +82.2% variance from our estimated fair value.
The valuation range spans from ₹9.46 to ₹29.85, indicating ₹9.46 - ₹29.85.
Is STARHFL undervalued or overvalued?
Based on our multi-method analysis, Star Housing Finance (STARHFL) appears to be trading below calculated value by approximately 82.2%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.31 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 3.85 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 5.6% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 64.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.18x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Star Housing Finance
Additional stock information and data for STARHFL
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-65 Cr | ₹-65 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-129 Cr | ₹-136 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-111 Cr | ₹-116 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-6 Cr | ₹-10 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-9 Cr | ₹-11 Cr | Negative Cash Flow | 3/10 |