Star Housing Finance Intrinsic Value
Star Housing Finance (STARHFL) median intrinsic value is ₹12.44 from 7 valuation models (range ₹8–₹19), vs current price ₹6.22 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. For current market price and key ratios, visit Star Housing Finance share price chart.
STARHFL Valuation Methods Summary — DCF, Graham Number & P/E
Star Housing Finance intrinsic value across 7 models vs current price ₹6.22 — upside/downside and value range per method. Browse STARHFL income statement for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹10.80 | ₹8.64 - ₹12.96 | +73.6% | EPS: ₹0.90, Sector P/E: 12x |
| Book Value Method | asset | ₹15.55 | ₹14.00 - ₹17.11 | +150.0% | Book Value/Share: ₹36.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹12.44 | ₹11.20 - ₹13.68 | +100.0% | Revenue/Share: ₹25.25, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹12.44 | ₹11.20 - ₹13.68 | +100.0% | EBITDA: ₹63.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹14.40 | ₹12.96 - ₹15.84 | +131.5% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹7.74 | ₹6.97 - ₹8.51 | +24.4% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| Graham Defensive Method | conservative | ₹18.66 | ₹16.79 - ₹20.53 | +200.0% | EPS: ₹0.90, BVPS: ₹36.00 |
STARHFL Intrinsic Value vs Market Price — All Valuation Models
Star Housing Finance fair value range ₹8–₹19 vs current market price ₹6.22 across 7 valuation models. Compare with STARHFL intrinsic value calculation to assess whether the stock is under or overvalued.
STARHFL Intrinsic Value Analysis — Undervalued or Overvalued?
Star Housing Finance median intrinsic value ₹12.44, current price ₹6.22 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
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 ₹12.44 (median value). With the current market price of ₹6.22, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹7.74 to ₹18.66, indicating ₹7.74 - ₹18.66.
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%.
STARHFL Financial Health — Key Ratios vs Industry Benchmarks
Star Housing Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| 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 |
STARHFL Cash Flow Quality — Operating & Free Cash Flow
Star Housing Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| 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 |