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Starteck Finance Ltd.

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starteckfinance.comBSE: 512381NSE: STARTECK
Market Cap₹ 248 Cr.
Current Price
High / Low₹ 350 / 215
Stock P/E10.2
Book Value₹ 270
Price to Book0.83
Dividend Yield0.10 %
ROCE9.1 %
ROE9.5 %
Face Value₹ 10

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ABOUT

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence
84%
View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.STARTECK249.9010.16247.660.104.3221.7810.9139.579.1093.11
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
71271178988910811
1114111112117
Operating Profit6116768857810810
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 Income0000011227531
Interest3333455556656
Depreciation0000000000000
3834243249955
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 Profit0000244147754
2734244147850

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
2118152841282837333639
4452063674410
Operating Profit171410835262231293229
OPM %81.24%76.37%68.19%28.34%85.51%89.92%79.43%81.77%87.94%89.75%75.18%
110435112021716
Interest1513983114912192222
Depreciation00000011111
Profit before Tax322440122419122728
Tax %13.51%26.50%19.40%0.79%4.94%15.35%9.98%14.41%9.84%12.32%13.05%
Net Profit211438102216102424
EPS0.000.000.000.0037.9610.2822.0216.2210.5223.83—
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

Corporate actions

2026

Sep 11

₹ 0.02

Rs.0.2500 per share(2.5%)Final Dividend

2025

Aug 11

₹ 0.02

Rs.0.2500 per share(2.5%)Final Dividend

2024

Sep 23

₹ 0.02

Rs.0.2500 per share(2.5%)Final Dividend

2023

Sep 18

₹ 0.02

Rs.0.2500 per share(2.5%)Final Dividend

2022

Aug 17

₹ 0.02

Rs.0.2500 per share(2.5%)Final Dividend

2021

Sep 20

₹ 0.02

Rs.0.2500 per share(2.5%)Final Dividend

2016

Sep 22

₹ 0.05

Rs.0.5000 per share(5%)Dividend

2015

May 26

₹ 0.05

Re.0.5000 per share (5%) Dividend to Non Promoter Shareholders

2026

Aug 24

₹ 0.02

Rs.0.2500 per share(2.5%)Final Dividend

2026

Aug 26

₹ 0.03

Rs.0.2500 per share(2.5%)Final Dividend

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital10101010101010101010
1011029495137151170196224253
13891918864092181202227351
Trade Payables0000101000
3636128271423365361
Total Liabilities285239207201814268384444514675
0000150102101101100
98928888657472131196323
Cash & Bank101161446801
18614711897721190204204217252
Total Assets285239207201814268384444514675

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-5-7516-51-388372733
Cash from Investing56-4-1247-5-50-58-39-123
Cash from Financing000026-3524990
-2-005-1-402-20

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
72.7672.7672.7672.9573.1073.1073.3073.3073.30
0.000.000.000.000.000.080.000.000.00
DIIs0.000.000.000.000.000.000.000.000.00
Government0.000.000.000.000.000.000.000.000.00
27.2427.2427.2427.0526.9026.8226.7026.7026.70

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-05
Copy of Newspaper Publication

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
Shareholders 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
Change in Management

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
Copy of Newspaper Publication

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
Shareholders meeting

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
Copy of Newspaper Publication

2026-08-22 - Starteck Finance Limited has informed the Exchange about Copy of Newspaper Publication

2026-08-21
Record Date

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
General Updates

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
Outcome of Board Meeting

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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