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Starteck Finance Ltd.
(STARTECK)
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Rating:66Neutral
Price Target:
₹363.00
▲(39.64% Upside)
Action:Downgraded
Date:09/30/26
The score is driven primarily by mixed financial quality: strong FY2026 earnings/revenue rebound, but elevated risk from rising leverage and weakened free cash flow visibility. Valuation is a key positive (moderate P/E and high dividend yield). Technicals are supportive due to a strong uptrend, though an overbought RSI tempers the near-term outlook.
Positive Factors
Revenue rebound
The sharp FY2026 revenue rebound indicates renewed business activity and improving demand after the prior-year decline. If maintained, stronger revenue can expand the earnings base, support operating scale, and improve the company’s ability to absorb financing and operating costs over the next several quarters.
Negative Factors
Rising leverage
The recent increase in borrowings makes the capital structure less conservative and raises the company’s exposure to financing costs and repayment demands. Higher leverage can constrain financial flexibility during weaker credit conditions, even though debt remains substantially improved from its FY2021 level.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue rebound
The sharp FY2026 revenue rebound indicates renewed business activity and improving demand after the prior-year decline. If maintained, stronger revenue can expand the earnings base, support operating scale, and improve the company’s ability to absorb financing and operating costs over the next several quarters.
Read all positive factors
Starteck Finance Ltd. (STARTECK) vs. iShares MSCI India ETF (INDA)
Market Cap
₹3.33B
Dividend Yield0.09%
Average Volume (3M)1.13K
Price to Earnings (P/E)12.5
Beta (1Y)0.49
Revenue Growth38.86%
EPS Growth100.31%
CountryIN
Employees5
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)24.61
Shares Outstanding9,910,330
10 Day Avg. Volume785
30 Day Avg. Volume1,126
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 | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 480.70M | 531.41M | 328.06M | 373.29M | 282.19M | 289.48M |
| Gross Profit | 245.89M | 300.46M | 130.64M | 283.38M | 209.73M | 167.81M |
| EBITDA | 220.29M | 274.77M | 121.84M | 224.77M | 277.48M | 150.26M |
| Net Income | 243.85M | 236.12M | 104.24M | 160.77M | 218.20M | 101.90M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 6.75B | 5.15B | 4.44B | 3.84B | 2.68B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 2.51B | 1.35B | 905.99M | 294.52M | 259.07M |
| Total Debt | 0.00 | 3.51B | 2.27B | 2.02B | 1.81B | 922.82M |
| Total Liabilities | -2.63B | 4.12B | 2.81B | 2.38B | 2.05B | 1.07B |
| Stockholders Equity | 2.63B | 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
Positive
259.95
Price Trends
257.02
Positive
262.57
Positive
263.76
Positive
Market Momentum
7.29
Negative
74.90
Negative
71.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:STARTECK, the sentiment is Positive. The current price of 259.95 is above the 20-day moving average (MA) of 251.85, above the 50-day MA of 257.02, and below the 200-day MA of 263.76, indicating a bullish trend. The MACD of 7.29 indicates Negative momentum. The RSI at 74.90 is Negative, neither overbought nor oversold. The STOCH value of 71.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:STARTECK.
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 | ₹3.97B | 6.69 | ― | ― | 115.72% | 391.07% | |
66 Neutral | ₹3.33B | 12.47 | ― | 0.09% | 38.86% | 100.31% | |
57 Neutral | ₹1.61B | 9.52 | ― | 0.95% | 11.74% | -3.97% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
55 Neutral | ₹3.58B | 15.02 | ― | 3.66% | 23.27% | -20.85% | |
54 Neutral | ₹4.62B | 25.70 | ― | 0.34% | 48.83% | 36.34% |
* General Sector Average
IN:STARTECK
Starteck Finance Ltd.
302.15
-25.52
-7.79%
IN:ASCOM
Ascom Leasing & Investments Ltd.
207.90
15.08
7.82%
IN:BAIDFIN
Baid Finserv Limited
10.40
-0.24
-2.27%
IN:MANCREDIT
Mangal Credit & Fincorp Ltd.
221.80
40.03
22.02%
IN:MUTHOOTCAP
Muthoot Capital Services Ltd.
220.00
-59.10
-21.18%
IN:UYFINCORP
U. Y. Fincorp Limited
21.91
6.73
44.33%
Starteck Finance Ltd. Corporate Events
Starteck Finance holds 41st AGM via video conference with e-voting facility
Sep 18, 2026
Starteck Finance Limited held its 41st Annual General Meeting on September 18, 2026, via video conferencing and other audio-visual means in compliance with Ministry of Corporate Affairs and SEBI guidelines. The meeting was attended by key members ...
Starteck Finance Publishes Addendum Notice for 41st AGM via Virtual Format
Sep 5, 2026
Starteck Finance Ltd. has issued a newspaper publication announcing an addendum to the notice of its 41st Annual General Meeting. The AGM is scheduled for 18 September 2026 at 4:00 p.m. and will be conducted via video conferencing and other audio-...
Starteck Finance Reappoints Nilesh Parikh as Independent Director for Second Five-Year Term
Sep 3, 2026
Starteck Finance Limited’s board has approved, via circular resolution, the re-appointment of Mr. Nilesh Parikh as a non-executive independent director for a second consecutive five-year term, running from 6 September 2026 to 5 September 203...
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.