STARTECK
Starteck Finance Limited (STARTECK) Stock Analysis
Starteck Finance Limited is a non-banking finance company providing loans against property and corporate lending. It serves borrowers seeking secured credit for business and personal needs. The company operates in niche corporate and retail finance segments. It is listed on Indian stock exchanges.
Financial Services › Credit Services
₹257.80
-11.41% 1W | -13.80% 52W
Market Cap
255 CR
P/E Ratio
10.5
52W High
₹350
52W Low
₹215.1
Div. Yield
0.09%
Beta
0.5
50 DMA
₹258.6
200 DMA
₹262.8
Profit Margin
75.4%
Inst. Own.
0%
⚠️ BREAKDOWN
📉 CONSOLIDATING DOWN
Fundamentals
Profit & Loss
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 6.68 | 12.33 | 7.39 | 10.93 | 7.02 | 8.43 | 8.76 | 8.49 | 7.82 | 9.44 | 10.18 | 8.31 | 10.91 |
| Interest | 2.75 | 2.99 | 2.86 | 3.03 | 4.13 | 4.57 | 4.98 | 5.32 | 5.33 | 5.70 | 5.92 | 5.05 | 5.73 |
| Expenses | 0.90 | 0.99 | 0.98 | 4.06 | 1.05 | 0.93 | 1.18 | 0.86 | 0.64 | 1.77 | 0.67 | 0.57 | 0.75 |
| Financing Profit | 3.03 | 8.35 | 3.55 | 3.84 | 1.84 | 2.93 | 2.60 | 2.31 | 1.85 | 1.97 | 3.59 | 2.69 | 4.43 |
| Financing Margin % | 45.36% | 67.72% | 48.04% | 35.13% | 26.21% | 34.76% | 29.68% | 27.21% | 23.66% | 20.87% | 35.27% | 32.37% | 40.60% |
| Other Income | 0.10 | 0.00 | 0.00 | 0.33 | 0.25 | 1.28 | 0.73 | 0.09 | 2.40 | 6.68 | 5.48 | 2.82 | 0.92 |
| Depreciation | 0.14 | 0.14 | 0.14 | 0.12 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 | 0.14 |
| Profit before tax | 2.99 | 8.21 | 3.41 | 4.05 | 1.95 | 4.07 | 3.19 | 2.26 | 4.11 | 8.51 | 8.93 | 5.37 | 5.21 |
| Tax % | 23.41% | 9.62% | 18.18% | 14.81% | 12.31% | 11.79% | -13.48% | 37.61% | 13.87% | 13.51% | 16.24% | 2.61% | 17.08% |
| Net Profit | 2.29 | 7.42 | 2.79 | 3.45 | 1.71 | 3.59 | 3.63 | 1.41 | 3.54 | 7.36 | 7.48 | 5.23 | 4.32 |
| EPS in Rs | 2.31 | 7.49 | 2.82 | 3.48 | 1.73 | 3.62 | 3.66 | 1.42 | 3.57 | 7.43 | 7.55 | 5.28 | 4.36 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 19 | 22 | 22 | 19 | 15 | 28 | 76 | 29 | 28 | 38 | 36 | 52 | 39 |
| Interest | 7 | 12 | 15 | 13 | 9 | 8 | 31 | 14 | 9 | 12 | 19 | 22 | 22 |
| Expenses | 2 | 4 | 4 | 4 | 5 | 16 | 6 | 3 | 6 | 7 | 4 | 4 | 4 |
| Financing Profit | 10 | 6 | 3 | 2 | 2 | 4 | 40 | 12 | 13 | 19 | 14 | 26 | 13 |
| Financing Margin % | 53% | 29% | 12% | 8% | 11% | 13% | 52% | 42% | 46% | 51% | 37% | 50% | 33% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12 | -0 | -1 | 2 | 16 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 | 1 | 1 |
| Profit before tax | 10 | 6 | 3 | 2 | 2 | 4 | 40 | 12 | 24 | 19 | 12 | 27 | 28 |
| Tax % | 24% | 11% | 14% | 26% | 20% | 1% | 5% | 15% | 10% | 14% | 10% | 12% | |
| Net Profit | 8 | 6 | 2 | 1 | 1 | 4 | 38 | 10 | 22 | 16 | 10 | 24 | 24 |
| EPS in Rs | 7.58 | 5.77 | 2.36 | 1.12 | 1.49 | 3.65 | 37.96 | 10.28 | 22.02 | 16.23 | 10.51 | 23.82 | 24.62 |
| Dividend Payout % | 7% | 9% | 0% | 0% | 0% | 7% | 1% | 2% | 1% | 2% | 2% | 1% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 22.0% | -8.0% | 9.0% |
| Profit CAGR | 28.0% | -9.0% | 15.0% |
Shareholding Pattern
Promoters73.10%
Public26.90%
Promoters73.10%
FIIs0.08%
Public26.82%
Promoters73.30%
Public26.70%
Promoters73.30%
Public26.70%
Promoters73.30%
Public26.70%
Promoters71.52%
Public28.47%
Promoters72.76%
Public27.23%
Promoters72.95%
Public27.03%
Promoters73.30%
Public26.70%
Promoters73.30%
Public26.70%
STARTECK
Holdings Analysis
Key strengths & risk signals
61
Overall
64
Fundamental
59
Technical
Risks (4)
OVERVALUED! PEG of 3.89 means expensive relative to growth rate.
WEAK POSITION! Current price (257.8) is below both moving averages.
WEAK YEAR! Stock declined 13.8% in the last year.
BEARISH TREND! 50-day average (258.6) is below 200-day average (262.8) - negative signal.
Strengths (4)
EXCELLENT EFFICIENCY! 75.4% profit margin - company keeps strong profits.
BULLISH SENTIMENT! In last 30 days: 10 up days, 20 down days. Avg volume on up days: 7,639 vs down days: 1,186. Ratio: 6.44x
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
NEUTRAL! RSI at 46.8 - balanced momentum.
Fundamental & Technical Analysis
61Overall
64Fundamental
59Technical
Fundamental Breakdown
Growth Quality
16/30
Revenue CAGR: 13.0% (GOOD, 11/15). Profit CAGR: 2.7% (SLOW, 5/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 75.4% profit margin - company keeps strong profits.
PEG Valuation
3/10
OVERVALUED! PEG of 3.89 means expensive relative to growth rate.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.09% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
14/20
MODERATE PUBLIC HOLDING! 28.47% public ownership - balanced ownership structure.
Stability Index
8/10
GOOD STABILITY! Only 1 revenue dip in history. Strong business fundamentals.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (258.6) is below 200-day average (262.8) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (257.8) is below both moving averages.
Trend Pattern
10/20
BREAKDOWN! Stock has broken below support levels - weakness present.
52W Performance
2/10
WEAK YEAR! Stock declined 13.8% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 10 up days, 20 down days. Avg volume on up days: 7,639 vs down days: 1,186. Ratio: 6.44x
RSI
3/5
NEUTRAL! RSI at 46.8 - balanced momentum.
52W Range
2/5
LOWER HALF! Trading at 31.7% of 52W range - weakness visible.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - -11.4% (1 week), 4.7% (1 month), -8.0% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.50 - stable stock, less market risk.
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| STARTECK | ₹257.80 | 10.5 | 75.4% | 13.0% | 2.7% | -13.8% | 61 | BREAKDOWN | +22.9% | -17.3% | +39.7% | +31.3% |
| IITL | ₹125.70 | – | – | 28.5% | – | -34.2% | 46 | BREAKDOWN | +48.5% | -160.0% | +12.8% | -11.7% |
| CPCAP | ₹146.40 | 5.9 | 57.1% | -4.2% | 52.7% | +27.8% | 79 | CONSOLIDATING UP | +23.1% | +46.2% | -4.1% | -5.6% |
| SAHLIBHFI | ₹77.10 | 12 | 54.2% | 14.0% | 32.5% | -9.5% | 69 | CONSOLIDATION | +6.5% | -3.9% | +15.8% | 0.0% |
| VIJIFIN | ₹13.50 | 48.1 | 56.1% | 34.6% | 65.8% | +295.4% | 75 | BREAKDOWN | -466.7% | -47.6% | +50.0% | -60.9% |
| AFIL | ₹7.60 | 7.4 | 48.8% | 29.4% | 42.8% | -14.4% | 66 | BOUNCE FROM SUPPORT | +20.8% | -5.7% | +34.3% | +1.5% |
| MUTHOOTCAP | ₹209.50 | 14.4 | 9.3% | 11.5% | -47.8% | -22.0% | 48 | BREAKDOWN | -272.3% | +50.0% | +7.1% | +0.3% |
| BAIDFIN | ₹10.10 | 9.3 | 28.6% | 13.0% | 15.0% | -12.9% | 56 | APPROACHING RESISTANCE | +8.5% | +155.3% | +13.1% | +1.6% |
Data from TradeAlone · Updated daily
No news tagged for STARTECK yet.
