Starteck Finance Ltd.
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ABOUT
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Solid return on assets for a lender - ROA of 3.2%
- Company has consistently been profitable over the last 5 years
- Operating margins have improved to 89.7% from 79.4%
- Stock looks reasonably valued - P/E of 10.2 is below its historical median
- Company has a consistent dividend-paying track record
CONS
- A large part of profit comes from other income (64.6% of PBT)
- Company has a low return on capital employed of 8.0%
- Company has a low return on equity of 7.5% over last 3 years
- Company's sales have been declining over the last five years
- Free cash flow has been persistently negative
- Company has delivered a poor profit growth of -8.9% over past five years
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| STARTECK | 249.90 | 10.16 | 247.66 | 0.10 | 4.32 | 21.78 | 10.91 | 39.57 | 9.10 | 93.11 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 7 | 12 | 7 | 11 | 7 | 8 | 9 | 8 | 8 | 9 | 10 | 8 | 11 | |
| 1 | 1 | 1 | 4 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 7 | |
| Operating Profit | 6 | 11 | 6 | 7 | 6 | 8 | 8 | 5 | 7 | 8 | 10 | 8 | 10 |
| OPM % | 86.53% | 91.97% | 86.74% | 63.22% | 85.04% | 88.86% | 86.64% | 56.18% | 91.82% | 81.36% | 93.42% | 93.14% | 93.11% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 2 | 2 | 7 | 5 | 3 | 1 |
| Interest | 3 | 3 | 3 | 3 | 4 | 5 | 5 | 5 | 5 | 6 | 6 | 5 | 6 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 3 | 8 | 3 | 4 | 2 | 4 | 3 | 2 | 4 | 9 | 9 | 5 | 5 | |
| Tax % | 23.41% | 9.62% | 18.18% | 14.67% | 12.31% | 11.79% | -13.75% | 37.61% | 13.87% | 13.62% | 16.35% | 2.61% | 17.21% |
| Net Profit | 0 | 0 | 0 | 0 | 2 | 4 | 4 | 1 | 4 | 7 | 7 | 5 | 4 |
| 2 | 7 | 3 | 4 | 2 | 4 | 4 | 1 | 4 | 7 | 8 | 5 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 21 | 18 | 15 | 28 | 41 | 28 | 28 | 37 | 33 | 36 | 39 | |
| 4 | 4 | 5 | 20 | 6 | 3 | 6 | 7 | 4 | 4 | 10 | |
| Operating Profit | 17 | 14 | 10 | 8 | 35 | 26 | 22 | 31 | 29 | 32 | 29 |
| OPM % | 81.24% | 76.37% | 68.19% | 28.34% | 85.51% | 89.92% | 79.43% | 81.77% | 87.94% | 89.75% | 75.18% |
| 1 | 1 | 0 | 4 | 35 | 1 | 12 | 0 | 2 | 17 | 16 | |
| Interest | 15 | 13 | 9 | 8 | 31 | 14 | 9 | 12 | 19 | 22 | 22 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 |
| Profit before Tax | 3 | 2 | 2 | 4 | 40 | 12 | 24 | 19 | 12 | 27 | 28 |
| Tax % | 13.51% | 26.50% | 19.40% | 0.79% | 4.94% | 15.35% | 9.98% | 14.41% | 9.84% | 12.32% | 13.05% |
| Net Profit | 2 | 1 | 1 | 4 | 38 | 10 | 22 | 16 | 10 | 24 | 24 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 37.96 | 10.28 | 22.02 | 16.22 | 10.52 | 23.83 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 6.84% | 0.66% | 2.43% | 1.14% | 1.54% | 2.38% | 1.05% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 5%
- 5 Years:
- -3%
- 3 Years:
- 8%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 15%
- 5 Years:
- -9%
- 3 Years:
- 3%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- 15%
- 1 Year:
- -23%
RETURN ON EQUITY
- 10 Years:
- 8%
- 5 Years:
- 8%
- 3 Years:
- 8%
- Last Year:
- 9%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 10 |
| 101 | 102 | 94 | 95 | 137 | 151 | 170 | 196 | 224 | 253 | |
| 138 | 91 | 91 | 88 | 640 | 92 | 181 | 202 | 227 | 351 | |
| Trade Payables | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 |
| 36 | 36 | 12 | 8 | 27 | 14 | 23 | 36 | 53 | 61 | |
| Total Liabilities | 285 | 239 | 207 | 201 | 814 | 268 | 384 | 444 | 514 | 675 |
| 0 | 0 | 0 | 0 | 15 | 0 | 102 | 101 | 101 | 100 | |
| 98 | 92 | 88 | 88 | 65 | 74 | 72 | 131 | 196 | 323 | |
| Cash & Bank | 1 | 0 | 1 | 16 | 14 | 4 | 6 | 8 | 0 | 1 |
| 186 | 147 | 118 | 97 | 721 | 190 | 204 | 204 | 217 | 252 | |
| Total Assets | 285 | 239 | 207 | 201 | 814 | 268 | 384 | 444 | 514 | 675 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -5 | -7 | 5 | 16 | -51 | -3 | 88 | 37 | 27 | 33 | |
| Cash from Investing | 5 | 6 | -4 | -12 | 47 | -5 | -50 | -58 | -39 | -123 |
| Cash from Financing | 0 | 0 | 0 | 0 | 2 | 6 | -35 | 24 | 9 | 90 |
| -2 | -0 | 0 | 5 | -1 | -4 | 0 | 2 | -2 | 0 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-05 - Starteck Finance Limited has informed the Exchange about Copy of Newspaper Publication in respect of Addendum to the Notice of 41st Annual General Meeting
2026-09-04 - Starteck Finance Limited has informed the Exchange regarding Addendum to the Notice of the 41st Annual General Meeting of the Company.
2026-09-03 - Starteck Finance Limited has informed the Exchange about re-appointment of Mr. Nilesh Parikh as an Independent Director of the Company for second term of 5 consecutive years subject to approval of Shareholders.
2026-08-27 - Starteck Finance Limited has informed the Exchange about the Newspaper publication with respect to information regarding Notice of 41st Annual General Meeting, Record Date and e-voting information of the Company
2026-08-26 - Starteck Finance Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 18, 2026
2026-08-22 - Starteck Finance Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-21 - Starteck Finance Limited has informed the Exchange that Record date for the purpose of Dividend is 11-Sep-2026.
2026-08-21 - Starteck Finance Limited has informed the Exchange about the 41st Annual General Meeting, Record Date and Cut-off date of the Company.
2026-08-11 - Starteck Finance Limited has submitted to the Exchange, the unaudited financial results for the quarter ended Jun 30, 2026.
News
Recent coverage and analyst commentary for STARTECK
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Starteck Finance Ltd.
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