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Starteck Finance Ltd.

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starteckfinance.comBSE: 512381NSE: STARTECK
Market Cap₹ 247 Cr.
Current Price
High / Low₹ 350 / 215
Stock P/E13.8
Book Value₹ 243
Price to Book0.92
Dividend Yield0.10 %
ROCE8.3 %
ROE7.6 %
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 delivered good sales growth of 22.4% CAGR over last 5 years
  • Operating margins have improved to 90.3% from 82.6%
  • Stock looks reasonably valued - P/E of 13.8 is below its historical median
  • Attractively priced for its growth - PEG of 0.7
  • Company has a consistent dividend-paying track record

CONS

  • A large part of profit comes from other income (60.4% of PBT)
  • Company has a low return on capital employed of 7.8%
  • Company has a low return on equity of 6.2% over last 3 years
  • Free cash flow has been persistently negative
  • Company has delivered a poor profit growth of -13.5% 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.BAJFINANCE1045.1032.05650674.480.576080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1049.0021.81246827.971.033452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1858.0027.59158685.460.111656.2245.568856.2921.899.7070.07
4.TATACAP371.7029.20157781.780.1516281.801464.1688219.301051.008.6675.72
5.JIOFIN237.7075.95156956.680.25830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11150.0014.01124092.261.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2935.0010.36117831.001.022824.8443.088671.6036.2515.8783.76
8.ABCAPITAL399.1026.62109254.110.001223.8543.8512179.54137.848.8241.91
9.LTF315.0024.8178950.110.87915.9930.705212.9222.388.5462.13
10.SBICARD657.0027.4862522.950.38664.4419.515040.557.6011.7529.83
11.HDBFS692.9026.4557563.700.58785.2038.314937.9018.719.0957.98
12.STARTECK248.7510.11246.520.104.3221.7810.9139.579.1093.11
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
77777788889810
1012111112106
Operating Profit67666677778810
OPM %88.61%93.58%87.69%78.88%86.05%88.33%90.22%93.14%92.44%80.12%93.79%94.81%93.74%
Other Income00000111275-21
Interest3333455556656
Depreciation0000000000000
3433233448815
Tax %21.47%21.24%22.34%17.81%12.50%15.74%-16.86%23.61%14.18%14.89%18.20%21.88%17.91%
Net Profit3323233337704
3323233337700

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
2118152812162628303336
445205354339
Operating Profit17141187132224273027
OPM %81.52%76.71%70.14%29.40%54.89%83.92%82.57%87.08%89.59%90.25%75.00%
11043510041211
Interest15139853912192222
Depreciation00000000000
Profit before Tax322436111213112021
Tax %13.22%25.49%16.76%0.00%2.94%13.60%19.61%20.67%10.18%16.20%17.04%
Net Profit21243591010101718
EPS0.000.000.000.0035.709.459.9310.4810.1317.31—
Dividend Payout %0.00%0.00%0.00%6.38%0.70%2.65%2.52%2.39%2.47%1.44%—

COMPOUNDED SALES GROWTH

10 Years:
5%
5 Years:
22%
3 Years:
8%

COMPOUNDED PROFIT GROWTH

10 Years:
12%
5 Years:
-13%
3 Years:
20%

STOCK PRICE CAGR

10 Years:
—
5 Years:
—
3 Years:
17%
1 Year:
-21%

RETURN ON EQUITY

10 Years:
7%
5 Years:
6%
3 Years:
6%
Last Year:
8%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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
1011029798137151158177204226
1389191885092123169227351
Trade Payables0000001000
36361271210132236
Total Liabilities285239209204199256302369463623
98757384767473131196271
Cash & Bank1015244500
186164135114121178225234267352
Total Assets285239209204199256302369463623

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-3-24516-53-45232236
Cash from Investing324-4-12477-2-58-47-76
Cash from Financing0000-0-4-0352540
-2-005-3-200-00

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
PER SHARE
EPS (₹)2.421.181.793.9235.709.459.9310.4810.1317.31
Book Value (₹)112.08113.26107.52108.61148.37162.56169.19188.36216.19238.53
Dividend per Share (₹)0.000.000.000.250.250.250.250.250.250.25
Cash EPS (₹)2.421.181.793.9235.709.459.9310.4810.1417.32
PROFITABILITY
Operating Margin %87.20%80.67%70.77%44.13%343.98%87.47%82.57%87.08%89.59%90.25%
Net Margin %11.64%6.54%11.70%13.90%291.20%58.92%37.61%37.22%33.87%51.42%
ROE %2.18%1.05%1.62%3.63%27.79%6.08%5.99%5.86%5.01%7.61%
ROCE %6.49%6.41%5.36%6.27%21.24%6.16%7.94%7.65%7.57%8.26%
0.76%0.45%0.79%1.88%17.57%4.11%3.53%3.09%2.41%3.16%
EFFICIENCY
Debtor Days0000000000
Inventory Days0000000000
Payable Days0000000000
0000000000
FINANCIAL HEALTH
Debt to Equity (x)1.24x0.81x0.86x0.82x0.34x0.57x0.73x0.91x1.06x1.48x
Interest Coverage (x)1.18x1.12x1.25x1.46x7.83x4.54x2.31x2.12x1.59x1.93x
1.74x2.53x2.40x2.35x3.36x2.45x2.10x1.57x1.35x1.13x
GROWTH
Revenue Growth %-4.05%-12.88%-15.47%84.31%-56.54%30.74%64.70%6.64%6.21%12.58%
Operating Profit Growth %0.03%-19.40%-25.84%14.92%238.74%-66.75%55.46%14.48%22.04%40.75%
Net Profit Growth %-58.12%-51.07%51.30%118.98%810.55%-73.55%5.14%5.51%-3.34%70.92%
0.00%0.00%0.00%0.00%0.00%0.00%0.00%5.51%-3.34%70.92%
VALUATION
P/E (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x26.28x28.03x12.71x
P/B (x)0.00x0.00x0.00x0.00x0.00x0.00x0.00x1.46x1.31x0.92x
Dividend Yield %0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.09%0.09%0.11%
0.00x0.00x0.00x0.00x0.00x0.00x0.00x17.68x16.82x13.38x

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

2026-09-04
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.

2026-07-13
Certificate under SEBI (Depositories and Participants) Regulations, 2018

2026-07-13 - Starteck Finance Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018 for the quarter ended 30th June, 2026

News

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