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Starteck Finance Ltd.
(STARTECK)
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Rating:57Neutral
Price Target:
₹266.00
▲(0.26% Upside)
Action:Reiterated
Date:08/18/26
The score is held back primarily by weaker financial quality signals (free cash flow dropping to 0 and rising leverage), despite a strong FY2026 earnings rebound. Technical indicators also lean negative with the price below key moving averages and a negative MACD. Offsetting these risks, valuation is relatively attractive with a low P/E and a high dividend yield.
Positive Factors
Revenue and Earnings Rebound
The sharp FY2026 rebound indicates renewed demand and operating recovery after FY2025 weakness. If the company sustains this higher revenue base, stronger earnings can reinforce lending capacity and support growth over the next several quarters.
Negative Factors
Weak Free Cash Flow Visibility
A zero free-cash-flow result after positive prior years signals weak cash conversion and limited visibility into internally generated surplus. Persistent volatility could constrain reinvestment, dividends, and debt servicing during weaker credit conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Earnings Rebound
The sharp FY2026 rebound indicates renewed demand and operating recovery after FY2025 weakness. If the company sustains this higher revenue base, stronger earnings can reinforce lending capacity and support growth over the next several quarters.
Read all positive factors
Starteck Finance Ltd. (STARTECK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹2.53B
Dividend Yield0.1%
Average Volume (3M)4.25K
Price to Earnings (P/E)10.4
Beta (1Y)0.50
Revenue Growth38.86%
EPS Growth100.32%
CountryIN
Employees5
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)23.83
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 an Indian non-banking financial institution, extending a variety of financing solutions. The company caters to individual consumers, small and medium-sized enterprises (SMEs), and larger commercial entities sit...
Starteck Finance Ltd. Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
55
Neutral
Cash Flow
48
Neutral
| Breakdown | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 531.41M | 328.06M | 373.29M | 282.19M | 289.48M |
| Gross Profit | 300.46M | 130.64M | 283.38M | 209.73M | 167.81M |
| EBITDA | 274.77M | 121.84M | 224.77M | 277.48M | 150.26M |
| Net Income | 236.12M | 104.24M | 160.77M | 218.20M | 101.90M |
Balance Sheet | |||||
| Total Assets | 6.75B | 5.15B | 4.44B | 3.84B | 2.68B |
| Cash, Cash Equivalents and Short-Term Investments | 5.92M | 1.35B | 905.99M | 294.52M | 259.07M |
| Total Debt | 3.51B | 2.27B | 2.02B | 1.81B | 922.82M |
| Total Liabilities | 4.12B | 2.81B | 2.38B | 2.05B | 1.07B |
| Stockholders Equity | 2.63B | 2.34B | 2.06B | 1.80B | 1.61B |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 277.20M | 363.02M | 857.23M | -2.05M |
| Operating Cash Flow | 331.55M | 277.20M | 363.02M | 855.76M | -49.36M |
| Investing Cash Flow | -1.24B | -391.24M | -580.33M | -500.53M | -46.08M |
| Financing Cash Flow | 904.93M | 92.81M | 238.57M | -352.89M | 56.41M |
Starteck Finance Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | ₹3.80B | 6.17 | ― | ― | 115.72% | 391.58% | |
58 Neutral | ₹1.49B | 8.98 | ― | 0.98% | 11.74% | -7.11% | |
57 Neutral | ₹2.53B | 10.44 | ― | 0.09% | 38.86% | 100.32% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹4.06B | 16.59 | ― | ― | 23.27% | -20.85% | |
51 Neutral | ₹4.69B | 25.80 | ― | 0.45% | 48.83% | 36.27% |
* General Sector Average
IN:STARTECK
Starteck Finance Ltd.
255.25
-59.00
-18.77%
IN:ASCOM
Ascom Leasing & Investments Ltd.
221.95
28.90
14.97%
IN:BAIDFIN
Baid Finserv Limited
9.84
-1.15
-10.46%
IN:MANCREDIT
Mangal Credit & Fincorp Ltd.
222.90
37.90
20.49%
IN:MUTHOOTCAP
Muthoot Capital Services Ltd.
240.25
-35.00
-12.72%
IN:UYFINCORP
U. Y. Fincorp Limited
19.75
7.05
55.51%
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.