Star Housing Finance Intrinsic Value
STARHFL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹10.80 | ₹8.64 - ₹12.96 | +66.7% | EPS: ₹0.90, Sector P/E: 12x |
| Book Value Method | asset | ₹16.20 | ₹14.58 - ₹17.82 | +150.0% | Book Value/Share: ₹36.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹12.96 | ₹11.66 - ₹14.26 | +100.0% | Revenue/Share: ₹25.25, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹12.96 | ₹11.66 - ₹14.26 | +100.0% | EBITDA: ₹63.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹14.40 | ₹12.96 - ₹15.84 | +122.2% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹7.74 | ₹6.97 - ₹8.51 | +19.4% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| Graham Defensive Method | conservative | ₹19.44 | ₹17.50 - ₹21.38 | +200.0% | EPS: ₹0.90, 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 7 different valuation methods, the estimated intrinsic value of Star Housing Finance (STARHFL) is ₹12.96 (median value). With the current market price of ₹6.48, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹7.74 to ₹19.44, indicating ₹7.74 - ₹19.44.
Is STARHFL undervalued or overvalued?
Based on our multi-method analysis, Star Housing Finance (STARHFL) appears to be trading below calculated value by approximately 100.0%.
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 |
| Return on Equity | 4.9% | Industry Standard: 15%+ | Below 10% | Measures shareholder return efficiency |
| Operating Margin | 63.0% | 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 |