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GOLD 24K (10g)₹75,420+0.38%
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Starteck Finance Limited

Starteck Finance Limited

NSE: STARTECK
Credit ServicesFinancial ServicesSMALL CAPMCap ₹255.4 Cr
₹257.75₹-6.50 (-2.46%)

Market Closed • NSE

Market cap₹255.4 Cr
Enterprise value₹612.0 Cr
P/E TTM10.47
P/B0.97
EPS TTM₹24.61
ROCE9.11%
D/E1.33
Dividend yield0.00%
Face value₹10.00
52W high₹350.00
52W low₹215.10
Price chart(1Y)
1Y Return:-4.99% (₹13.55)
H: ₹350L: ₹230
1W-6.43%
1M+4.71%
3M-5.01%
6M+3.57%
1Y-19.57%
Today at a glance

Day range

₹253.15₹276.95

52 week range

₹215.10₹350.00
Volume1.1K0.24x 20D avg
Free float50.00%-76.20% volume

Starteck Finance Limited closed at INR257.75 (-2.46%) on volume 0.24x its 20-day average, trading 26.36% below its 52-week high.

Technical analysis
RSI (14)46.9Neutral (30–70)
MACDBEARISHBearish (Below signal)
ATR (14)₹22.09High
SMA 20₹264.03BEARISH
SMA 50₹258.40BEARISH
SMA 100₹264.81BEARISH
SMA 200₹263.33BEARISH
CPR bottom₹268.00
Pivot₹266.75
CPR top₹265.50
What changed recently?

2026-Q2

Q2 FY2026 Financial Results

PAT moved -17.4% QoQ

2026-09-11

DIVIDEND Announced

Dividend - Re 0.25 Per Share

2025-08-11

DIVIDEND Announced

Dividend - Re 0.25 Per Share

Shariah audit
Methodology: AAOIFI Shariah Standard No. 21
FAIL3/4 criteria
Non-Compliant (Business Activity)
CriteriaNumeratorDenominatorValueThresholdStatus
Interest-bearing debt ratio₹351.0 Cr₹255.4 Cr137.40%≤ 33%FAIL
Non-halal income ratio–₹35.8 Cr0.00%≤ 5%PASS
Illiquid assets ratio₹674.8 Cr₹675.2 Cr99.94%≥ 20%PASS
Receivables ratio–₹675.2 Cr—≤ 49%PASS
Valuation & sector context
MetricCompanySector
P/E10.4717.10
Forward P/E——
P/B0.971.60
EV/EBITDA—18.00
PEG—0.50
Earnings yield9.505.80
Growth & profitability
RevenuePAT
FY24PAT margin 43.10%
FY25PAT margin 31.90%
FY26PAT margin 66.00%

Revenue and PAT bars use independent scales to make their year-on-year direction readable.

Revenue CAGR 3Y—
Revenue CAGR 5Y-0.90%
PAT CAGR 3Y+33.20%
PAT CAGR 5Y+8.00%
Operating margin85.44%
Net margin75.38%
Financial health & cash flow
Net debt₹350.5 CrModerate
Interest coverage—xEBIT / interest
CFO / PAT1.60x3Y average
Net debt / EBITDA—Leverage
Operating cash flow₹32.6 Cr
Capital expenditure–
Free cash flow₹32.6 Cr
Financial statements

Complete reported financial history · Values use the company's reporting currency

Hover over the chart for exact reported values. Percentage lines use the right-hand axis.

Fundamental scorecard
Overall63/100
Valuation75/100
Profitability65/100
Financial health50/100

A 0–100 quantitative summary of reported fundamentals. Use the underlying financials and risks for context; the score is not a buy or sell recommendation.

Strengths, risks & investment thesis

Strengths

High Cash Flow Conversion: CFO/PAT averaged 1.6x over last 3 years

Attractive Valuation: P/E of 10.5x trades below sector historical averages

Risks

Subject to cyclical raw material and macro industry pressures

Bull case

Market Leadership: Established operational scale in Credit Services.

Bear case

Macro Headwinds: Fluctuations in interest rates and sector-specific policy shifts could compress multiples.

Flip condition

Sustained quarterly EBITDA margin expansion above 20% would trigger an upgrade.

Shareholding pattern
Quarterly ownership historyLatest valid period · December 2025

Ownership distribution

Dec 2025Latest holding

Category trends

Hover over a period for exact holdings

80%53%27%0%Sept 2024Dec 2024Jun 2025Sept 2025Dec 2025
0.00%Institutional holding
26.70%Public holding
5Periods available
0.00%Promoter pledged
1.49KShareholders
Corporate Action

Complete dividend, bonus, split, rights and other action history

Record dateCorporate actionInformationAnnouncement dateEx-date
11 Sept 2026Dividend₹0.25 / share—11 Sept 2026
11 Aug 2025Dividend₹0.25 / share—11 Aug 2025
23 Sept 2024Dividend₹0.25 / share—23 Sept 2024
—Dividend₹0.25 / share—18 Sept 2023
—Dividend₹0.25 / share—17 Aug 2022
Delivery participation

Traded volume and delivery percentage across the latest 20 sessions

Average delivery (20D)61.45%-1.39% latest vs average
Highest delivery100.00%on 25 Sept
Average volume (20D)4.5KTrading-session average
Conviction trendWeakening-1.39% latest reading
Traded volumeDelivery %
Peer comparison

Compare valuation, latest quarterly performance and year-on-year growth

8 companies
Company nameMarket cap ₹ CrP/E ratioDividend yield %Quarterly sales ₹ CrProfit after tax ₹ CrSales growth %Profit growth %
HDFC Bank Limited
HDFC Bank LimitedHDFCBANK
Open analysis
₹10.90L15.461.88%₹46,355.55₹19,059.72-45.69%+17.23%
ICICI Bank Limited
ICICI Bank LimitedICICIBANK
Open analysis
₹9.73L17.520.89%₹32,960.41₹16,276.00-35.98%+12.59%
State Bank of India
State Bank of IndiaSBIN
Open analysis
₹8.85L10.281.85%₹62,915.13₹25,121.00-29.09%+13.56%
Bajaj Finance Limited
Bajaj Finance LimitedBAJFINANCE
Open analysis
₹5.97L29.480.56%₹13,929.00₹6,081.00+17.62%+27.62%
Life Insurance Corporation of India
Life Insurance Corporation of IndiaLICI
Open analysis
₹4.99L8.302.64%₹2.40L₹13,584.00+6.76%+24.00%
Kotak Mahindra Bank Limited
Kotak Mahindra Bank LimitedKOTAKBANK
Open analysis
₹4.39L21.620.15%₹11,266.63₹5,480.00-41.22%+22.54%
Axis Bank Limited
Axis Bank LimitedAXISBANK
Open analysis
₹3.92L14.160.08%₹21,381.52₹7,114.00-3.52%+22.53%
Bajaj Finserv Ltd.
Bajaj Finserv Ltd.BAJAJFINSV
Open analysis
₹2.78L27.540.08%₹42,036.90—+39.05%—
About Starteck Finance Limited
Starteck Finance Limited

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

IndiaFinancial Services

Questions investors ask
Is Starteck Finance Limited Shariah compliant?

Starteck Finance Limited is currently screened as Non-Compliant (Business Activity) under AAOIFI Shariah Standard No. 21. Business activity in non-permissible sector: /\bfinancial services\b/i Debt to Market Cap (137.4%) exceeds AAOIFI threshold (≤ 33%).

What is Starteck Finance Limited's current valuation relative to peers?

Starteck Finance Limited trades at a P/E of 10.5x compared to the sector median of 17.1x, and a Price-to-Book of 1.0x.

Is the company financially healthy?

The company has a Debt-to-Equity ratio of 1.33x. Interest coverage is comfortable.

What are the historical revenue and profit growth rates?

Over the past 5 years, revenue compounded at -0.9% while net profit growth averaged 8%.

Market data is informational and may be delayed. Shariah screening follows the displayed methodology. This is not investment advice.

Market data may be delayed. Quote date: 2026-10-09. Financial figures relate to their stated reporting periods. This information is for research and is not a recommendation to buy or sell.