Starteck Finance Ltd

₹ 250 0.14%

22 May - close price

niveditaindia.com BSE: 512381 NSE: STARTECK

About

Incorporated in 1985, Starteck Finance Ltd
is in the investment and lending business^[1]

Key Points

Business Overview:^[1]^[2]
SFL is registered as a Non-Systematically Important Non-Deposit Accepting Non
Banking Financial Company. It is in the
business of financing the needs of various
corporations having a presence in urban
and semi-urban areas of India. The company has a diversified lending portfolio across Retail, Small, Medium Enterprises and Commercial customers

Website BSE NSE

Market Cap ₹ 247 Cr.
Current Price ₹ 250
High / Low ₹ 362 / 215
Stock P/E 14.4
Book Value ₹ 239
Dividend Yield 0.10 %
ROCE 8.26 %
ROE 7.62 %
Face Value ₹ 10.0

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Pros

Stock is trading at 1.05 times its book value

Cons

Company has low interest coverage ratio.
The company has delivered a poor sales growth of -6.74% over past five years.
Company has a low return on equity of 6.23% over last 3 years.
Earnings include an other income of Rs.12.4 Cr.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	7.01	6.67	7.17	6.58	7.48	6.74	7.20	7.67	8.02	7.54	8.50	9.02	8.29
Interest	3.08	2.75	2.99	2.86	3.03	4.13	4.57	4.98	5.32	5.33	5.70	5.92	5.05
	0.83	0.77	0.46	0.81	1.58	0.94	0.84	0.75	0.55	0.57	1.68	0.55	0.43
Financing Profit	3.10	3.15	3.72	2.91	2.87	1.67	1.79	1.94	2.15	1.64	1.12	2.55	2.81
Financing Margin %	44.22%	47.23%	51.88%	44.22%	38.37%	24.78%	24.86%	25.29%	26.81%	21.75%	13.18%	28.27%	33.90%
	0.00	0.10	0.00	0.00	0.33	0.25	1.26	0.67	1.45	2.38	6.68	5.48	-2.17
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Profit before tax	3.10	3.25	3.72	2.91	3.20	1.92	3.05	2.61	3.60	4.02	7.80	8.03	0.64
Tax %	6.13%	21.54%	21.24%	22.34%	17.81%	12.50%	15.74%	-16.48%	23.61%	14.18%	14.74%	18.06%	21.88%
	2.91	2.55	2.93	2.27	2.63	1.68	2.57	3.04	2.75	3.45	6.64	6.57	0.50
EPS in Rs	2.94	2.57	2.96	2.29	2.65	1.70	2.59	3.07	2.77	3.48	6.70	6.63	0.50
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	19	22	22	19	15	28	47	16	26	28	33	33
Interest	7	12	15	13	9	8	5	3	9	12	19	22
	2	4	4	4	5	16	5	3	5	4	3	3
Financing Profit	10	6	3	1	2	4	36	11	12	13	11	8
Financing Margin %	53%	29%	13%	8%	13%	14%	77%	66%	47%	46%	34%	24%
	0	0	0	0	0	0	0	0	0	0	0	12
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	10	6	3	2	2	4	36	11	12	13	11	20
Tax %	24%	11%	13%	25%	17%	0%	3%	14%	20%	21%	10%	16%
	8	6	2	1	2	4	35	9	10	10	10	17
EPS in Rs	7.58	5.77	2.42	1.18	1.79	3.93	35.70	9.44	9.93	10.47	10.13	17.32
Dividend Payout %	7%	9%	0%	0%	0%	6%	1%	3%	3%	2%	2%	0%

Compounded Sales Growth
10 Years:	4%
5 Years:	-7%
3 Years:	8%
TTM:	0%

Compounded Profit Growth
10 Years:	12%
5 Years:	-13%
3 Years:	20%
TTM:	71%

Stock Price CAGR
10 Years:	19%
5 Years:	31%
3 Years:	27%
1 Year:	-17%

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 2015	Mar 2016	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	10	10
Reserves	94	99	101	102	97	98	137	151	158	177	204	226
Borrowing	61	196	138	91	91	88	50	92	123	169	227	351
	4	4	5	8	12	8	2	3	11	14	22	36
Total Liabilities	168	309	254	211	209	204	199	256	302	369	463	623
	0	0	0	0	0	0	0	0	0	0	0	0
CWIP	0	0	0	0	0	0	0	0	0	0	0	0
Investments	95	100	98	75	73	84	76	74	73	131	196	271
	73	209	156	136	136	119	123	182	229	239	267	352
Total Assets	168	309	254	211	209	204	199	256	302	369	463	623

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	51	7	-5	-24	5	16	-50	-5	2	23	22	36
	-51	-5	3	24	-4	-12	47	7	-2	-58	-47	-76
	-0	-1	0	0	0	0	-0	-4	-0	35	25	40
Net Cash Flow	-0	2	-2	-0	0	5	-3	-2	0	0	-0	0
Free Cash Flow	51	7	-5	-24	5	16	-50	-5	2	23	22	36
CFO/OP	312%	42%	-19%	-167%	48%	132%	-120%	-27%	21%	104%	75%	142%

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	8%	5%	2%	1%	2%	4%	28%	6%	6%	6%	5%	8%

Insights

In beta

Mar 2015

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Number of Directors
Count

x	x	x	x	x	x	x	x	x	x	x
x,xxx.xx	xx,xxx.xx	x,xxx.xx	xx,xxx.xx	x,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx	xx,xxx.xx
x,xxx.xx	xx,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	xx,xxx.xx	xx,xxx.xx
					x	x	x	x	x	x
xx.xx	xx.xx	xx.xx	xx.xx

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Standalone Loan Book (AUM)
₹ Lakhs

Total Standalone Investments
₹ Lakhs

Number of Permanent Employees
Count

Capital Adequacy Ratio
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
	71.52%	71.68%	72.55%	72.76%	72.76%	72.76%	72.76%	72.95%	73.10%	73.10%	73.30%	73.30%
	0.00%	0.00%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.08%	0.00%	0.00%
	28.47%	28.32%	27.44%	27.23%	27.23%	27.23%	27.23%	27.03%	26.90%	26.82%	26.70%	26.70%
No. of Shareholders	1,061	1,133	1,966	1,904	1,965	1,772	1,723	1,695	1,637	1,519	1,470	1,490

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	64.79%	64.79%	64.79%	65.38%	70.32%	71.05%	71.52%	72.76%	72.95%	73.30%
	0.00%	0.00%	0.00%	0.00%	0.13%	0.17%	0.00%	0.00%	0.00%	0.00%
	35.21%	35.21%	35.21%	34.62%	29.56%	28.78%	28.47%	27.23%	27.03%	26.70%
No. of Shareholders	282	279	295	316	946	1,070	1,026	1,904	1,695	1,490

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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Starteck Finance Ltd

Starteck Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

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