Starteck Finance Ltd. (IN:STARTECK)
:STARTECK
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Starteck Finance Ltd.
(STARTECK)
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Rating:66Neutral
Price Target:
₹273.00
▼(-3.70% Downside)
Action:Reiterated
Date:05/18/26
The score is driven primarily by improving financial momentum but offset by volatility and rising leverage risk. Valuation is a clear positive with a low P/E and high dividend yield, while technical signals are broadly neutral and do not materially boost conviction.
Positive Factors
Revenue & earnings rebound
A large FY2026 top-line rebound and material net income uplift indicate durable improvement in core lending activity and borrower demand. Sustained revenue and earnings recovery enhances capacity to fund operations, build reserves, and reinvest in originating capabilities over the next 2–6 months.
Negative Factors
Rising leverage
A higher debt load relative to equity increases funding and interest-rate sensitivity for a credit-services firm. Elevated leverage constrains flexibility to absorb shocks, raises refinancing and covenant risk, and can amplify earnings volatility if asset performance weakens in adverse cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & earnings rebound
A large FY2026 top-line rebound and material net income uplift indicate durable improvement in core lending activity and borrower demand. Sustained revenue and earnings recovery enhances capacity to fund operations, build reserves, and reinvest in originating capabilities over the next 2–6 months.
Read all positive factors
Starteck Finance Ltd. (STARTECK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹2.46B
Dividend Yield0.09%
Average Volume (3M)4.25K
Price to Earnings (P/E)9.1
Beta (1Y)0.35
Revenue Growth45.67%
EPS Growth128.41%
CountryIN
Employees5
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)16.09
Shares Outstanding9,910,330
10 Day Avg. Volume5,094
30 Day Avg. Volume4,252
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)0.81
Price to Sales (P/S)4.03
P/FCF Ratio0.00
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
72
Positive
Balance Sheet
55
Neutral
Cash Flow
48
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 346.16M | 531.41M | 328.06M | 373.29M | 282.19M | 289.48M |
| Gross Profit | 125.34M | 300.46M | 130.64M | 283.38M | 209.73M | 167.81M |
| EBITDA | 107.47M | 274.77M | 121.84M | 224.77M | 277.48M | 150.26M |
| Net Income | 159.44M | 236.12M | 104.24M | 160.77M | 218.20M | 101.90M |
Balance Sheet | ||||||
| Total Assets | 5.77B | 6.75B | 5.15B | 4.44B | 3.84B | 2.68B |
| Cash, Cash Equivalents and Short-Term Investments | 5.63M | 5.92M | 1.35B | 905.99M | 294.52M | 259.07M |
| Total Debt | 2.75B | 3.51B | 2.27B | 2.02B | 1.81B | 922.82M |
| Total Liabilities | 3.22B | 4.07B | 2.81B | 2.38B | 2.05B | 1.07B |
| Stockholders Equity | 2.54B | 2.63B | 2.34B | 2.06B | 1.80B | 1.61B |
Cash Flow | ||||||
| Free Cash Flow | 115.12M | 0.00 | 277.20M | 363.02M | 857.23M | -2.05M |
| Operating Cash Flow | 115.12M | 331.55M | 277.20M | 363.02M | 855.76M | -49.36M |
| Investing Cash Flow | -432.21M | -1.24B | -391.24M | -580.33M | -500.53M | -46.08M |
| Financing Cash Flow | 317.79M | 904.93M | 92.81M | 238.57M | -352.89M | 56.41M |
Starteck Finance Ltd. Technical Analysis
Negative
283.50
Price Trends
249.55
Positive
263.21
Negative
284.76
Negative
Market Momentum
0.29
Negative
49.48
Neutral
20.24
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 249.44, above the 50-day MA of 249.55, and below the 200-day MA of 284.76, indicating a neutral trend. The MACD of 0.29 indicates Negative momentum. The RSI at 49.48 is Neutral, neither overbought nor oversold. The STOCH value of 20.24 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% | |
66 Neutral | ₹2.46B | 9.06 | ― | 0.09% | 45.67% | 128.41% | |
55 Neutral | ₹197.25M | 9.57 | ― | 1.70% | -105.97% | -85.08% | |
45 Neutral | ₹631.63M | -13.74 | ― | ― | 3.50% | -29.29% | |
45 Neutral | ₹192.05M | 198.00 | ― | ― | 0.50% | -23.61% | |
41 Neutral | ₹175.45M | -8.05 | ― | ― | 8724.24% | ― |
* Financial Sector Average
IN:STARTECK
Starteck Finance Ltd.
248.15
-47.33
-16.02%
IN:GLFL
Gujarat Lease Financing Limited
7.08
0.49
7.44%
IN:LFIC
Lakshmi Finance & Industrial Corp. Ltd.
―
―
―
IN:TCIFINANCE
TCI Finance Limited
13.63
1.35
10.99%
IN:TFL
Transwarranty Finance Limited
11.46
-3.79
-24.85%
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.