Starteck Finance Ltd. (IN:STARTECK)
:STARTECK
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Starteck Finance Ltd.
(STARTECK)
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Rating:60Neutral
Price Target:
₹261.00
▼(-7.94% Downside)
Action:ReiteratedDate:10/14/25
Starteck Finance Ltd. has a stable financial foundation with strengths in revenue growth and cost management. However, the stock faces challenges in profitability and cash flow management. Technical indicators suggest a neutral to slightly bearish outlook, while the valuation is reasonable with an attractive dividend yield. The absence of earnings call data and corporate events limits additional insights.
Positive Factors
Top-line and EPS Growth
Sustained revenue (≈37.9%) and EPS (≈59.8%) expansion signals durable demand for lending products and improving underwriting returns. For an NBFC, strong top-line and earnings growth support scale effects, diversification of loan mix and reinvestment capacity over the next several quarters.
Negative Factors
Free Cash Flow Variability
Volatile free cash flow constrains strategic flexibility: it can limit loan book expansion, capital expenditure or buffer distributions. In an NBFC, inconsistent free cash flow increases dependence on market funding during growth phases and raises execution risk over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Top-line and EPS Growth
Sustained revenue (≈37.9%) and EPS (≈59.8%) expansion signals durable demand for lending products and improving underwriting returns. For an NBFC, strong top-line and earnings growth support scale effects, diversification of loan mix and reinvestment capacity over the next several quarters.
Read all positive factors
Starteck Finance Ltd. (STARTECK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹2.47B
Dividend Yield0.09%
Average Volume (3M)4.25K
Price to Earnings (P/E)9.4
Beta (1Y)0.40
Revenue Growth28.65%
EPS Growth38.68%
CountryIN
Employees5
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)7.54
Shares Outstanding9,910,330
10 Day Avg. Volume5,094
30 Day Avg. Volume4,252
Financial Highlights & Ratios
PEG Ratio-0.76
Price to Book (P/B)1.18
Price to Sales (P/S)8.45
P/FCF Ratio10.01
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Starteck Finance Ltd. Business Overview & Revenue Model
Company Description
Starteck Finance Limited operates as a non-banking financial company in India. It offers financing solutions to retail, small and medium enterprise, and commercial customers in urban and semi-urban areas of India. The company was formerly known as...
How the Company Makes Money
Starteck Finance Ltd. generates revenue primarily through interest income from the loans and credit facilities it provides. The company lends funds to individuals and businesses at an interest rate, which serves as its major source of income. Addi...
Starteck Finance Ltd. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 346.16M | 328.06M | 373.29M | 282.19M | 289.48M | 757.51M |
| Gross Profit | 125.34M | 130.64M | 283.38M | 209.73M | 167.81M | 443.94M |
| EBITDA | 107.47M | 121.84M | 224.77M | 277.48M | 150.26M | 422.76M |
| Net Income | 159.44M | 104.24M | 160.77M | 218.20M | 101.90M | 376.23M |
Balance Sheet | ||||||
| Total Assets | 5.77B | 5.15B | 4.44B | 3.84B | 2.68B | 8.14B |
| Cash, Cash Equivalents and Short-Term Investments | 5.63M | 1.35B | 905.99M | 294.52M | 259.07M | 257.59M |
| Total Debt | 2.75B | 2.27B | 2.02B | 1.81B | 922.82M | 6.40B |
| Total Liabilities | 3.22B | 2.81B | 2.38B | 2.05B | 1.07B | 6.68B |
| Stockholders Equity | 2.54B | 2.34B | 2.06B | 1.80B | 1.61B | 1.47B |
Cash Flow | ||||||
| Free Cash Flow | 115.12M | 277.20M | 363.02M | 857.23M | -2.05M | -496.27M |
| Operating Cash Flow | 115.12M | 277.20M | 363.02M | 855.76M | -49.36M | -496.27M |
| Investing Cash Flow | -432.21M | -391.24M | -580.33M | -500.53M | -46.08M | 486.56M |
| Financing Cash Flow | 317.79M | 92.81M | 238.57M | -352.89M | 56.41M | 15.18M |
Starteck Finance Ltd. Technical Analysis
Negative
283.50
Price Trends
263.55
Negative
274.39
Negative
291.40
Negative
Market Momentum
-7.61
Positive
40.94
Neutral
56.56
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:STARTECK, the sentiment is Negative. The current price of 283.5 is above the 20-day moving average (MA) of 248.47, above the 50-day MA of 263.55, and below the 200-day MA of 291.40, indicating a bearish trend. The MACD of -7.61 indicates Positive momentum. The RSI at 40.94 is Neutral, neither overbought nor oversold. The STOCH value of 56.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:STARTECK.
Starteck Finance Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
60 Neutral | ₹2.47B | 9.40 | ― | 0.09% | 28.65% | 38.68% | |
55 Neutral | ₹197.25M | 9.57 | ― | 1.70% | -93.62% | -115.49% | |
43 Neutral | ₹698.87M | -23.53 | ― | ― | -29.62% | -308.12% | |
41 Neutral | ₹150.55M | 138.56 | ― | ― | ― | ― | |
41 Neutral | ₹195.53M | -8.05 | ― | ― | 797.65% | ― |
* Financial Sector Average
IN:STARTECK
Starteck Finance Ltd.
249.00
-78.90
-24.06%
IN:GLFL
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5.55
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IN:LFIC
Lakshmi Finance & Industrial Corp. Ltd.
―
―
―
IN:TCIFINANCE
TCI Finance Limited
15.19
3.25
27.22%
IN:TFL
Transwarranty Finance Limited
12.68
-1.25
-8.97%
Starteck Finance Ltd. Corporate Events
Starteck Finance Promoters Declare No Encumbrance on Shares for FY 2025-26
Apr 7, 2026
Starteck Finance’s promoter group, represented by Matrabhav Trust and related promoter entities and individuals, has declared that no shares held by them in the company were encumbered, directly or indirectly, during the financial year ended...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.