Starteck Finance Ltd. (STARTECK) AI Stock Analysis

• Market Cap: ₹3.12B
• Dividend Yield: 0.08%
• Average Volume (3M): 3.69K
• Price to Earnings (P/E): 25.6
• Beta (1Y): 0.45
• Revenue Growth: 3.07%
• EPS Growth: -20.56%
• Country: IN
• Employees: 5
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 3.58
• Shares Outstanding: 9,910,330
• 10 Day Avg. Volume: 4,057
• 30 Day Avg. Volume: 3,694
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹328.00
• Price Target Upside: 4.24% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 64 Neutral
• Price Target: ₹328.00 ▲(4.24% Upside)

Starteck Finance Ltd. shows a stable financial performance with positive revenue growth and effective cost management, though profitability and cash flow stability need improvement. The technical analysis indicates a positive price trend, but the stock's high P/E ratio suggests potential overvaluation. The attractive dividend yield provides a strong income component, balancing the valuation concerns.

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 Nivedita Mercantile and Financing Limited and changed its name to Starteck Finance Limited in November 2018. The company was incorporated in 1985 and is based in Mumbai, India.

How the Company Makes Money

Starteck Finance Ltd. generates revenue through various key streams including interest income from loans, fees for financial advisory services, and commissions on investment products. The primary revenue model involves charging interest on personal and business loans issued to clients, which forms a significant portion of their earnings. Additionally, the company may earn fees for processing applications, managing investments, and providing consultancy services. Strategic partnerships with banks and financial institutions may also contribute to revenue by facilitating co-branded products or referral agreements. Overall, STARTECK's focus on technology-driven finance solutions enables efficient operations and customer acquisition, further enhancing its revenue potential.

Starteck Finance Ltd. Financial Statement Overview

Summary

Starteck Finance Ltd. demonstrates a solid financial position with strengths in revenue growth and cost management. However, challenges in maintaining consistent profitability and managing liabilities are evident. The cash flow situation requires attention to ensure long-term financial health and investment capacity.

Income Statement

Starteck Finance Ltd. has shown fluctuating revenue trends with a recent increase in total revenue from the previous year. The gross profit margin is strong, indicating effective cost management. However, the net profit margin has seen a decline, suggesting challenges in maintaining profitability. The EBIT margin has improved, but the EBITDA margin indicates potential volatility in operating performance.

Balance Sheet

The company maintains a moderate debt-to-equity ratio, indicating a balanced approach to leveraging. The return on equity has been positive, reflecting efficient use of equity capital. The equity ratio suggests a stable financial structure, though the high total liabilities could pose a risk if not managed carefully.

Cash Flow

Operating cash flow has been positive, indicating good cash generation from core activities. However, the free cash flow has shown variability, which could impact future investments and financial flexibility. The operating cash flow to net income ratio is favorable, but the free cash flow to net income ratio needs improvement to ensure sustainable cash flow management.

Breakdown	TTM	Dec 2025	Dec 2023	Dec 2023	Dec 2021	Dec 2020
Income Statement
Total Revenue	328.81M	328.06M	263.55M	260.62M	282.59M	409.86M
Gross Profit	183.64M	130.64M	163.38M	170.70M	133.50M	96.28M
EBITDA	123.72M	135.40M	142.90M	224.77M	266.07M	422.76M
Net Income	123.81M	104.24M	218.20M	159.05M	101.90M	376.23M
Balance Sheet
Total Assets	0.00	5.15B	3.84B	4.42B	2.68B	8.14B
Cash, Cash Equivalents and Short-Term Investments	0.00	4.95M	58.15M	906.00M	259.07M	257.59M
Total Debt	0.00	2.27B	1.81B	2.02B	922.82M	6.40B
Total Liabilities	-2.25B	2.81B	2.05B	2.38B	1.07B	6.68B
Stockholders Equity	2.25B	2.34B	1.80B	2.04B	1.61B	1.47B
Cash Flow
Free Cash Flow	0.00	277.20M	857.23M	363.02M	-2.05M	-496.27M
Operating Cash Flow	0.00	277.20M	855.76M	363.02M	-49.36M	-496.27M
Investing Cash Flow	0.00	-391.24M	-500.53M	-580.33M	-46.08M	486.56M
Financing Cash Flow	0.00	92.81M	-352.89M	238.57M	56.41M	-817.00K

Starteck Finance Ltd. Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 314.65
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:STARTECK, the sentiment is Neutral. The current price of 314.65 is below the 20-day moving average (MA) of 317.71, below the 50-day MA of 316.01, and above the 200-day MA of 301.29, indicating a neutral trend. The MACD of 0.89 indicates Positive momentum. The RSI at 47.51 is Neutral, neither overbought nor oversold. The STOCH value of 33.51 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:STARTECK.

Starteck Finance Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
STARTECK	64 Neutral	₹3.12B	25.61	―	0.08%	3.07%	-20.56%
TCIFINANCE	52 Neutral	₹158.46M	4.31	-4.76%	―	479.93%	―
TFL	41 Neutral	₹812.86M	-21.25	-17.39%	―	-16.55%	-334.08%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%