Starteck Finance Ltd

Starteck Fin. Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Starteck Finance Ltd

₹ 266 0.62%
07 May - close price
niveditaindia.com BSE: 512381 NSE - BE : STARTECK
About

Starteck Finance Ltd is a Non-Deposit taking, Non-systemically important (ND-NSI) NBFC registered with RBI. It plans to mainly focus on retail lending in 2 key segments, viz. housing finance and loans to small corporates/ MSMEs.[1]

Key Points

Services offered
It serves the financing needs of the various corporates having a presence in urban and semi-urban areas of India. The company has a diversified lending portfolio across Retail, SMEs, and Commercial customers. [1]

Website BSE NSE - BE
  • Market Cap ₹ 264 Cr.
  • Current Price ₹ 266
  • High / Low ₹ 420 / 110
  • Stock P/E 24.7
  • Book Value ₹ 174
  • Dividend Yield 0.09 %
  • ROCE 7.94 %
  • ROE 5.99 %
  • Face Value ₹ 10.0
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Pros

  • Company has delivered good profit growth of 53.1% CAGR over last 5 years

Cons

  • The company has delivered a poor sales growth of 7.08% over past five years.
  • Company has a low return on equity of 12.2% over last 3 years.

* 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2020 Mar 2021 Jun 2021 Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023
3.33 2.79 3.15 3.81 4.08 4.85 6.02 6.37 6.76 7.01 6.67 7.17 6.58
0.44 1.30 0.43 0.48 0.82 0.82 1.13 1.90 0.70 0.83 0.77 0.46 0.81
Operating Profit 2.89 1.49 2.72 3.33 3.26 4.03 4.89 4.47 6.06 6.18 5.90 6.71 5.77
OPM % 86.79% 53.41% 86.35% 87.40% 79.90% 83.09% 81.23% 70.17% 89.64% 88.16% 88.46% 93.58% 87.69%
0.01 0.00 0.08 0.03 0.00 0.45 0.00 0.00 0.00 0.00 0.10 0.00 0.00
Interest 0.95 1.26 0.69 0.69 0.86 0.82 1.31 1.78 3.19 3.08 2.75 2.99 2.86
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 1.95 0.23 2.11 2.67 2.40 3.66 3.58 2.69 2.87 3.10 3.25 3.72 2.91
Tax % -15.38% -1,013.04% 0.47% 0.00% 17.92% 27.87% 26.26% 26.02% 19.51% 6.13% 21.54% 21.24% 22.34%
2.25 2.56 2.10 2.66 1.97 2.64 2.64 1.99 2.30 2.91 2.55 2.93 2.27
EPS in Rs 2.27 2.58 2.12 2.68 1.99 2.66 2.66 2.01 2.32 2.94 2.57 2.96 2.29
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 TTM
16 16 20 19 22 22 19 15 28 47 16 26 27
0 1 2 2 4 4 4 5 16 5 3 5 3
Operating Profit 15 15 18 17 18 18 14 11 12 42 14 22 25
OPM % 98% 94% 91% 89% 82% 82% 77% 70% 44% 88% 84% 83% 90%
0 0 0 0 0 0 0 0 0 0 0 0 0
Interest 14 13 14 7 12 15 13 9 8 5 3 9 12
Depreciation 0 0 0 0 0 0 0 0 0 0 0 0 0
Profit before tax 1 2 4 10 6 3 2 2 4 36 11 12 13
Tax % 36% 37% 37% 24% 11% 13% 25% 17% 0% 3% 14% 20%
1 1 2 8 6 2 1 2 4 35 9 10 11
EPS in Rs 3.24 3.51 2.29 7.58 5.77 2.42 1.18 1.79 3.93 35.70 9.44 9.93 10.76
Dividend Payout % 0% 14% 22% 7% 9% 0% 0% 0% 6% 1% 3% 3%
Compounded Sales Growth
10 Years: 5%
5 Years: 7%
3 Years: -2%
TTM: 14%
Compounded Profit Growth
10 Years: 23%
5 Years: 53%
3 Years: 36%
TTM: 11%
Stock Price CAGR
10 Years: 31%
5 Years: 60%
3 Years: 54%
1 Year: 117%
Return on Equity
10 Years: 7%
5 Years: 9%
3 Years: 12%
Last Year: 6%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Sep 2023
Equity Capital 3 4 10 10 10 10 10 10 10 10 10 10 10
Reserves 17 22 86 94 99 101 102 97 98 137 151 158 162
170 269 79 61 196 138 91 91 88 50 92 123 127
2 1 2 4 4 5 8 12 8 2 3 11 6
Total Liabilities 192 295 177 168 309 254 211 209 204 199 256 302 305
0 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 0
Investments 0 10 40 95 100 98 75 73 84 76 74 73 76
192 286 137 73 209 156 136 136 119 123 182 229 228
Total Assets 192 295 177 168 309 254 211 209 204 199 256 302 305

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
-6 7 -39 51 7 -5 -24 5 16 -50 -5 2
0 -9 -31 -51 -5 3 24 -4 -12 47 7 -2
2 3 69 -0 -1 0 0 0 0 -0 -4 -0
Net Cash Flow -4 1 -0 -0 2 -2 -0 0 5 -3 -2 0

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023
Debtor Days 0 0 0 0 0 0 0 0 0 0 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 0 0 0 0 0 0 0 0 0 0 0 0
Working Capital Days 4,454 6,441 2,456 1,313 3,382 2,499 2,487 -166 -16 11 6 -64
ROCE % 10% 6% 8% 10% 8% 6% 6% 5% 6% 21% 6% 8%

Shareholding Pattern

Numbers in percentages

6 Recently
Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024
70.32% 70.32% 70.82% 71.05% 71.37% 71.52% 71.52% 71.52% 71.52% 71.68% 72.55% 72.76%
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.01% 0.00%
0.13% 0.17% 0.17% 0.17% 0.17% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
29.56% 29.51% 29.01% 28.78% 28.45% 28.48% 28.47% 28.47% 28.47% 28.32% 27.44% 27.23%
No. of Shareholders 1,1911,1651,1361,0701,3781,1771,0241,0261,0611,1331,9661,904

* 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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