STEL Holdings 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
- Promoters have been increasing their shareholding - up 4.6pp over 2 years
- Asset quality is healthy - gross NPA of just 0.0%
- Company has delivered good sales growth of 17.5% CAGR over last 5 years
CONS
- Company has a low return on capital employed of 1.5%
- Company has a low return on equity of 1.1% over last 3 years
- Though reporting repeated profits, the company pays out little dividend (0.0%)
- Expensive relative to growth - PEG of 3.3
- Company's return on assets is weak at 1.1%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | 1917.30 | 30.28 | 307163.22 | 0.08 | 62966.70 | 1081.55 | 420369.00 | 1091.26 | 11.88 | 40.79 |
| AIIL | 546.65 | 22.13 | 46422.91 | 0.00 | 11082.20 | 1075.19 | 14695.40 | 1109.37 | 13.85 | 88.91 |
| CHOLAHLDNG | 1525.75 | 10.74 | 28650.15 | 0.09 | 1788.99 | 42.04 | 11113.57 | 42.92 | 10.52 | 57.53 |
| TVSHLTD | 13000.05 | 13.35 | 26301.84 | 0.66 | 1173.58 | 73.77 | 17076.18 | 40.01 | 19.39 | 16.25 |
| CGCL | 266.10 | 22.71 | 25602.92 | 0.08 | 353.38 | 102.04 | 1576.47 | 62.12 | 11.68 | 68.54 |
| MAHSCOOTER | 13002.55 | 53.35 | 14860.05 | 1.69 | 3.32 | -90.61 | 5.41 | -81.52 | 1.06 | 84.10 |
| JSWHL | 11435.95 | 92.40 | 12693.48 | 0.00 | 24.54 | -92.74 | 34.58 | 14.97 | 0.58 | 92.45 |
| JMFINANCIL | 124.75 | 11.48 | 11938.08 | 2.61 | 368.57 | -19.66 | 1200.53 | 9.69 | 11.91 | 58.30 |
| TSFINV | 437.25 | 19.95 | 9711.49 | 2.55 | 124.95 | -92.11 | 305.57 | 102.23 | 3.47 | 53.35 |
| RELIGARE | 256.95 | 161.25 | 8857.93 | 0.00 | -46.98 | -674.86 | 2353.40 | 1051.76 | 4.71 | -2.08 |
| KAMAHOLD | 2282.95 | 7.87 | 7326.12 | 1.82 | 584.02 | 10.80 | 4657.56 | 7.07 | 20.86 | 22.01 |
| STEL | 616.45 | 58.01 | 1137.68 | 0.00 | -0.13 | -137.54 | 0.10 | -79.15 | 1.58 | -114.29 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 4 | 0 | 13 | 0 | 8 | 0 | 13 | 0 | 9 | 17 | 0 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Operating Profit | 0 | 4 | 0 | 13 | 0 | 8 | 0 | 13 | 0 | 9 | 17 | 0 | -0 |
| OPM % | 61.54% | 96.16% | 50.00% | 98.89% | 35.90% | 98.46% | 46.67% | 99.26% | 53.19% | 98.02% | 99.17% | 23.08% | -123.47% |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 0 | 4 | 0 | 13 | 0 | 8 | 0 | 13 | 0 | 9 | 17 | 0 | -0 |
| Tax % | 25.81% | 25.31% | 23.08% | 25.17% | 25.00% | 25.13% | 30.77% | 25.15% | 25.00% | 26.65% | 26.22% | -960.00% | -6.61% |
| Net Profit | 0 | 3 | 0 | 10 | 0 | 6 | 0 | 10 | 0 | 7 | 13 | 1 | -0 |
| 0.12 | 1.62 | 0.05 | 5.40 | 0.05 | 3.10 | 0.05 | 5.41 | 0.19 | 3.61 | 6.82 | 0.28 | -0.07 |
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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 7 | 10 | 16 | 12 | 20 | 17 | 18 | 22 | 27 | 26 | |
| 1 | 1 | 1 | 1 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | |
| Operating Profit | -1 | 6 | 9 | 16 | 12 | 19 | 16 | 18 | 21 | 27 | 26 |
| OPM % | — | 86.59% | 94.30% | 95.59% | 95.97% | 97.08% | 96.00% | 96.48% | 97.12% | 97.31% | 97.20% |
| 4 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before Tax | 3 | 6 | 9 | 15 | 12 | 19 | 16 | 18 | 21 | 27 | 26 |
| Tax % | 50.69% | 3.04% | 2.22% | 2.05% | 26.13% | 24.82% | 25.29% | 25.16% | 25.18% | 25.46% | 24.63% |
| Net Profit | 1 | 6 | 9 | 15 | 9 | 15 | 12 | 13 | 16 | 20 | 20 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 4.69 | 7.92 | 6.65 | 7.20 | 8.60 | 10.76 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- —
- 5 Years:
- 17%
- 3 Years:
- 17%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- —
- 5 Years:
- 18%
- 3 Years:
- 17%
STOCK PRICE CAGR
- 10 Years:
- 33%
- 5 Years:
- 29%
- 3 Years:
- 45%
- 1 Year:
- 19%
RETURN ON EQUITY
- 10 Years:
- 1%
- 5 Years:
- 1%
- 3 Years:
- 1%
- Last Year:
- 1%
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 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 | 18 |
| 583 | 735 | 643 | 434 | 759 | 721 | 796 | 1,485 | 1,735 | 1,591 | |
| 1 | 0 | 0 | 0 | 5 | 3 | 4 | 96 | 159 | 104 | |
| Total Liabilities | 603 | 754 | 661 | 453 | 783 | 742 | 819 | 1,600 | 1,913 | 1,713 |
| 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |
| 581 | 728 | 636 | 417 | 687 | 713 | 782 | 1,567 | 1,884 | 1,710 | |
| Cash & Bank | 10 | 14 | 14 | 30 | 92 | 25 | 35 | 30 | 27 | 2 |
| 11 | 11 | 11 | 5 | 2 | 3 | 1 | 2 | 0 | 0 | |
| Total Assets | 603 | 754 | 661 | 453 | 783 | 742 | 819 | 1,600 | 1,913 | 1,713 |
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 | -1 | -0 | 21 | 15 | 19 | 18 | 12 | 43 | -6 | |
| Cash from Investing | 4 | 7 | 0 | -5 | 72 | -82 | -14 | -12 | -43 | 6 |
| Cash from Financing | -1 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 0 | 5 | -1 | 16 | 62 | -67 | -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 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-02 - Stel Holdings Limited has informed the Exchange about Copy of Newspaper Publication
2026-09-01 - Stel Holdings Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 25, 2026
2026-09-01 - Stel Holdings Limited has informed the Exchange that Record date for the purpose of Meeting is 18-Sep-2026.
2026-08-28 - Stel Holdings Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-25 - Stel Holdings Limited has informed the Exchange about Copy of Newspaper Publication-Enclosed herewith is the Newspaper advertisement published in Deshabhimani and Financial Express containing information about publication of relodgment of transfer requests of physical shares
2026-08-08 - Stel Holdings Limited has informed the Exchange about Copy of Newspaper Publication
2026-08-07 - Stel Holdings Limited has submitted to the Exchange, the financial results for the period ended Jun 30, 2026.
2026-07-03 - Stel Holdings Limited has informed the Exchange about Certificate under SEBI (Depositories and Participants) Regulations, 2018
2026-06-30 - Stel Holdings Limited has informed the Exchange about Copy of Newspaper Publication
News
Recent coverage and analyst commentary for STEL
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STEL Holdings Ltd.
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