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 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
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1045.10 | 32.05 | 650674.48 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1049.00 | 21.81 | 246827.97 | 1.03 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1858.00 | 27.59 | 158685.46 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 371.70 | 29.20 | 157781.78 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 237.70 | 75.95 | 156956.68 | 0.25 | 830.25 | 155.73 | 2004.47 | 227.28 | 2.11 | 69.71 |
| BAJAJHLDNG | 11150.00 | 14.01 | 124092.26 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2935.00 | 10.36 | 117831.00 | 1.02 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 399.10 | 26.62 | 109254.11 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 315.00 | 24.81 | 78950.11 | 0.87 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 657.00 | 27.48 | 62522.95 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 692.90 | 26.45 | 57563.70 | 0.58 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| STARTECK | 248.75 | 10.11 | 246.52 | 0.10 | 4.32 | 21.78 | 10.91 | 39.57 | 9.10 | 93.11 |
Quarterly Results
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 7 | 7 | 7 | 7 | 7 | 8 | 8 | 8 | 8 | 9 | 8 | 10 | |
| 1 | 0 | 1 | 2 | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 0 | 6 | |
| Operating Profit | 6 | 7 | 6 | 6 | 6 | 6 | 7 | 7 | 7 | 7 | 8 | 8 | 10 |
| 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 Income | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 2 | 7 | 5 | -2 | 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 | 4 | 3 | 3 | 2 | 3 | 3 | 4 | 4 | 8 | 8 | 1 | 5 | |
| 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 Profit | 3 | 3 | 2 | 3 | 2 | 3 | 3 | 3 | 3 | 7 | 7 | 0 | 4 |
| 3 | 3 | 2 | 3 | 2 | 3 | 3 | 3 | 3 | 7 | 7 | 0 | 0 |
Profit & Loss
Standalone Figures in Rs. Crores / View Consolidated
| 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 | 12 | 16 | 26 | 28 | 30 | 33 | 36 | |
| 4 | 4 | 5 | 20 | 5 | 3 | 5 | 4 | 3 | 3 | 9 | |
| Operating Profit | 17 | 14 | 11 | 8 | 7 | 13 | 22 | 24 | 27 | 30 | 27 |
| OPM % | 81.52% | 76.71% | 70.14% | 29.40% | 54.89% | 83.92% | 82.57% | 87.08% | 89.59% | 90.25% | 75.00% |
| 1 | 1 | 0 | 4 | 35 | 1 | 0 | 0 | 4 | 12 | 11 | |
| Interest | 15 | 13 | 9 | 8 | 5 | 3 | 9 | 12 | 19 | 22 | 22 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 3 | 2 | 2 | 4 | 36 | 11 | 12 | 13 | 11 | 20 | 21 |
| Tax % | 13.22% | 25.49% | 16.76% | 0.00% | 2.94% | 13.60% | 19.61% | 20.67% | 10.18% | 16.20% | 17.04% |
| Net Profit | 2 | 1 | 2 | 4 | 35 | 9 | 10 | 10 | 10 | 17 | 18 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 35.70 | 9.45 | 9.93 | 10.48 | 10.13 | 17.31 | — |
| 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
| 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 | 97 | 98 | 137 | 151 | 158 | 177 | 204 | 226 | |
| 138 | 91 | 91 | 88 | 50 | 92 | 123 | 169 | 227 | 351 | |
| Trade Payables | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 |
| 36 | 36 | 12 | 7 | 1 | 2 | 10 | 13 | 22 | 36 | |
| Total Liabilities | 285 | 239 | 209 | 204 | 199 | 256 | 302 | 369 | 463 | 623 |
| 98 | 75 | 73 | 84 | 76 | 74 | 73 | 131 | 196 | 271 | |
| Cash & Bank | 1 | 0 | 1 | 5 | 2 | 4 | 4 | 5 | 0 | 0 |
| 186 | 164 | 135 | 114 | 121 | 178 | 225 | 234 | 267 | 352 | |
| Total Assets | 285 | 239 | 209 | 204 | 199 | 256 | 302 | 369 | 463 | 623 |
Cash Flows
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -3 | -24 | 5 | 16 | -53 | -4 | 5 | 23 | 22 | 36 | |
| Cash from Investing | 3 | 24 | -4 | -12 | 47 | 7 | -2 | -58 | -47 | -76 |
| Cash from Financing | 0 | 0 | 0 | 0 | -0 | -4 | -0 | 35 | 25 | 40 |
| -2 | -0 | 0 | 5 | -3 | -2 | 0 | 0 | -0 | 0 |
Ratios
Standalone Figures in Rs. Crores / View Consolidated
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| PER SHARE | ||||||||||
| EPS (₹) | 2.42 | 1.18 | 1.79 | 3.92 | 35.70 | 9.45 | 9.93 | 10.48 | 10.13 | 17.31 |
| Book Value (₹) | 112.08 | 113.26 | 107.52 | 108.61 | 148.37 | 162.56 | 169.19 | 188.36 | 216.19 | 238.53 |
| Dividend per Share (₹) | 0.00 | 0.00 | 0.00 | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 | 0.25 |
| Cash EPS (₹) | 2.42 | 1.18 | 1.79 | 3.92 | 35.70 | 9.45 | 9.93 | 10.48 | 10.14 | 17.32 |
| 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 Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Payable Days | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| FINANCIAL HEALTH | ||||||||||
| Debt to Equity (x) | 1.24x | 0.81x | 0.86x | 0.82x | 0.34x | 0.57x | 0.73x | 0.91x | 1.06x | 1.48x |
| Interest Coverage (x) | 1.18x | 1.12x | 1.25x | 1.46x | 7.83x | 4.54x | 2.31x | 2.12x | 1.59x | 1.93x |
| 1.74x | 2.53x | 2.40x | 2.35x | 3.36x | 2.45x | 2.10x | 1.57x | 1.35x | 1.13x | |
| 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) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 26.28x | 28.03x | 12.71x |
| P/B (x) | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 1.46x | 1.31x | 0.92x |
| Dividend Yield % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.09% | 0.09% | 0.11% |
| 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 0.00x | 17.68x | 16.82x | 13.38x |
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
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.
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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