Star Housing Finance Intrinsic Value
Star Housing Finance (STARHFL) median intrinsic value is ₹10.80 from 7 valuation models (range ₹8–₹14), vs current price ₹4.65 — +132.3% upside (Trading Below Calculated Value), margin of safety 56.9%. Check STARHFL market cap trends to track the company's total market size over time.
STARHFL Valuation Methods Summary — DCF, Graham Number & P/E
Star Housing Finance intrinsic value across 7 models vs current price ₹4.65 — upside/downside and value range per method. For current market price and key ratios, visit Star Housing Finance share price screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹10.80 | ₹8.64 - ₹12.96 | +132.3% | EPS: ₹0.90, Sector P/E: 12x |
| Book Value Method | asset | ₹11.62 | ₹10.46 - ₹12.78 | +149.9% | Book Value/Share: ₹36.00, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹9.30 | ₹8.37 - ₹10.23 | +100.0% | Revenue/Share: ₹25.25, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹9.30 | ₹8.37 - ₹10.23 | +100.0% | EBITDA: ₹63.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹13.95 | ₹12.55 - ₹15.35 | +200.0% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹7.74 | ₹6.97 - ₹8.51 | +66.5% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| Graham Defensive Method | conservative | ₹13.95 | ₹12.55 - ₹15.35 | +200.0% | EPS: ₹0.90, BVPS: ₹36.00 |
STARHFL Intrinsic Value vs Market Price — All Valuation Models
Star Housing Finance fair value range ₹8–₹14 vs current market price ₹4.65 across 7 valuation models. See Star Housing Finance P/B ratio trends to compare market price against book value per share.
STARHFL Intrinsic Value Analysis — Undervalued or Overvalued?
Star Housing Finance median intrinsic value ₹10.80, current price ₹4.65 — Trading Below Calculated Value by 132.3%, margin of safety 56.9%.
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 ₹10.80 (median value). With the current market price of ₹4.65, this represents a +132.3% variance from our estimated fair value.
The valuation range spans from ₹7.74 to ₹13.95, indicating ₹7.74 - ₹13.95.
Is STARHFL undervalued or overvalued?
Based on our multi-method analysis, Star Housing Finance (STARHFL) appears to be trading below calculated value by approximately 132.3%.
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 |