Key Metrics 
Check Before You Invest 
10 Yrs X-Ray 
Valuation 
Analyst Note 
Qtr. Results 
Financials 
News 
About
Starteck Finance Ltd (STARTECK)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 512381 NSE: STARTECK Finance - NBFC | Small Cap | Starteck Finance Share Price
₹249.90 -2.10 (-0.83%)
As on 11-Sep'26 16:59
Starteck Finance Ltd (STARTECK)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 512381 NSE: STARTECK Finance - NBFC | Small Cap | Starteck Finance Share Price
₹249.90 -2.10 (-0.83%)
As on 11-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹248 Cr.
Current Price
₹249.9
52-Week Low / High
₹220 / 348
TTM EPS
₹24.6
Book Value per Share
₹269.7
P/E Ratio
10.16
Lower than its 5-year historical median
Industry PE
27
Price to Book (P/B)
0.93
Lower than its 5-year historical median
EV/EBITDA
11.73
Lower than its 5-year historical median
Dividend Yield
0.1%
Profitability Efficiency
Return on Equity (ROE)
9.50%
Outperforms industry median
Return on Capital Employed (ROCE)
9.10%
Outperforms industry median
Return on Assets (ROA)
3.97%
Outperforms industry median
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
6.86%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
10.33%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹38.9 Cr.
Reserves
₹257 Cr.
Equity
₹9.9 Cr.
Face Value
₹10
All Time Low / High
₹2.10 / 419.90
Check Before You Invest
Quality
Not GoodValuation
FairCheck Valuation charts
Price Trend
Semi Strong
Is Starteck Finance Ltd a good quality company?
Starteck Finance Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Starteck Finance Ltd performance compare with that of its Peers?
AUM Growth of Starteck Finance Ltd vs Industry Peers?
Starteck Finance Ltd AUM CAGR is -3.68%, compared to the 5-year industry median CAGR of 10.04%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of Starteck Finance Ltd?
Promoters hold 73.30% of the Starteck Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Starteck Finance Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 17.6% based on the current price.
10 Year X-Ray :
Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Starteck Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 20.6 | 17.9 | 15.2 | 28 | 12.2 | 15.9 | 26.2 | 27.9 | 29.6 | 33.4 | 36 | |
| YoY Gr. Rt. % | - | -12.9% | -15.5% | 84.3% | -56.6% | 30.7% | 64.7% | 6.6% | 6.2% | 12.6% | - | |
| Adj EPS (₹ ) | 2.4 | 1.2 | 1.8 | 3.9 | 35.7 | 9.5 | 9.9 | 10.5 | 10.1 | 17.3 | 18 | |
| YoY Gr. Rt. % | - | -51.2% | 51.7% | 119% | 810.7% | -73.5% | 5.1% | 5.5% | -3.3% | 70.9% | - | |
| BVPS (₹ ) | 112.1 | 113.3 | 107.5 | 108.6 | 148.4 | 162.6 | 169.2 | 188.4 | 216.2 | 238.5 | 242.7 | |
| YoY Gr. Rt. % | - | 1.1% | -5.1% | 1% | 36.6% | 9.6% | 4.1% | 11.3% | 14.8% | 10.3% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 0.8 | 0.5 | 0.8 | 1.9 | 17.6 | 4.1 | 3.5 | 3.1 | 2.4 | 3.2 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 5.5% | 22.4% | 8.4% | 12.6% | ||||
| Adj EPS | 24.4% | -13.5% | 20.4% | 70.9% | ||||
| BVPS | 8.8% | 10% | 12.1% | 10.3% | ||||
| Share Price | 17.6% | 14.6% | 16.8% | -23.7% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Quality Ratio | To view Asset Quality Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Net NPA to Net Advances (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Capitalization Ratio | To view Capitalization Ratio Colour Rating Guide click here ⓘ | |||||||||||
| Capital Adequacy Ratio (%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | - | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 11.6 | 6.5 | 11.7 | 13.9 | 291.2 | 58.9 | 37.6 | 37.2 | 33.9 | 51.4 | 49.1 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 2.2 | 1.1 | 1.6 | 3.6 | 27.8 | 6.1 | 6 | 5.9 | 5 | 7.6 | 7.4 | |
Valuation of Starteck Finance - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Income + | 22 | 19 | 15 | 32 | 76 | 29 | 28 | 38 | 36 | 53 |
| Exceptional Items ⓘ | 1 | 1 | 0 | 4 | 35 | 1 | 0 | 0 | 4 | 17 |
| Expenditure ⓘ + | 19 | 17 | 13 | 29 | 37 | 17 | 16 | 19 | 23 | 26 |
| Exceptional Items ⓘ | 0 | 0 | 0 | 0 | 0 | 0 | 12 | 0 | -1 | 0 |
| Profit Before Tax ⓘ | 3 | 2 | 2 | 4 | 40 | 12 | 24 | 19 | 12 | 27 |
| Taxes ⓘ | 0 | 0 | 0 | 0 | 2 | 2 | 2 | 3 | 1 | 3 |
| Profit After Tax | 2 | 1 | 1 | 4 | 38 | 10 | 22 | 16 | 10 | 24 |
| Adjusted EPS (₹) | 2.4 | 1.1 | 1.5 | 3.7 | 38.0 | 10.3 | 22.0 | 16.2 | 10.5 | 23.8 |
| Dividend Payout Ratio (%) | 0% | 0% | 0% | 6.80% | 0.70% | 2.40% | 1.10% | 1.50% | 2.40% | 1.10% |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Equity and Liabilities | ||||||||||
| Equity Capital + | 111 | 112 | 104 | 105 | 147 | 161 | 180 | 206 | 234 | 263 |
| Short term borrowings | 105 | 60 | 60 | 57 | 5 | 44 | 78 | 130 | 188 | 298 |
| Long Term Borrowings | 63 | 58 | 31 | 31 | 635 | 49 | 102 | 71 | 45 | 63 |
| Current Liabilities | 111 | 69 | 72 | 65 | 32 | 58 | 102 | 166 | 235 | 349 |
| Trade Payables | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 0 |
| Other Liabilities | -106 | -60 | -60 | -57 | -6 | -44 | -79 | -131 | -188 | -298 |
| Total Liabilities ⓘ | 285 | 239 | 207 | 201 | 814 | 268 | 384 | 444 | 514 | 675 |
Assets | ||||||||||
| Non Current Asset + | 92 | 83 | 54 | 55 | 29 | 39 | 141 | 204 | 252 | 368 |
| Current Asset + | 193 | 156 | 154 | 146 | 785 | 228 | 243 | 240 | 262 | 307 |
| Total Assets ⓘ | 285 | 239 | 207 | 201 | 814 | 268 | 384 | 444 | 514 | 675 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash Flow From Operating Activity ⓘ | -7 | -7 | 5 | 16 | -50 | -5 | 86 | 37 | 27 | 33 |
| Cash Flow From Investing Activity ⓘ | 5 | 6 | -4 | -12 | 47 | -5 | -50 | -58 | -39 | -123 |
| Cash Flow From Financing Activity ⓘ | 0 | 0 | 0 | 0 | 2 | 6 | -35 | 24 | 9 | 90 |
| Net Cash Flow ⓘ | -2 | -0 | 0 | 5 | -1 | -4 | 0 | 2 | -2 | 0 |
| PARTICULARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 |
|---|---|---|---|---|---|---|---|---|---|---|
Operational & Financial Ratios | ||||||||||
| EPS (₹) | 2.40 | 1.10 | 1.50 | 3.70 | 38 | 10.30 | 22 | 16.20 | 10.50 | 23.80 |
| DPS (₹) | 0 | 0 | 0 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 | 0.30 |
| BVPS (₹) | 112.1 | 113.2 | 105.1 | 105.9 | 147.9 | 162.4 | 181.1 | 208.3 | 236.5 | 265.3 |
Performance Ratios | ||||||||||
| ROA (%) | 0.8 | 0.4 | 0.7 | 1.8 | 7.4 | 1.9 | 6.7 | 3.9 | 2.2 | 4.0 |
| ROE (%) | 2.1 | 1.0 | 1.4 | 3.5 | 29.9 | 6.6 | 12.8 | 8.3 | 4.7 | 9.5 |
| ROCE (%) | 6.4 | 6.4 | 5.2 | 6.2 | 14.3 | 5.0 | 11.0 | 7.9 | 7.0 | 9.1 |
Valuation Parameters | ||||||||||
| Price/Book(x) | 0.3 | 0.0 | 0.2 | 0.5 | 0.5 | 0.8 | 0.6 | 1.3 | 1.2 | 0.8 |
Top 5 Mutual Funds Holding
Last Visited Stocks
Announcements
Starteck Finance Ltd FAQs
The current trading price of Starteck Finance on 11-Sep-2026 16:59 is ₹249.9.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 10-Sep-2026 the market cap of Starteck Finance stood at ₹247.7 Cr
The latest P/E ratio of Starteck Finance as of 10-Sep-2026 is 13.90.
The latest P/B ratio of Starteck Finance as of 10-Sep-2026 is 1.03.
The 52-week high of Starteck Finance is ₹348.0 and the 52-week low is ₹220.1.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Starteck Finance is ₹36.30 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Starteck Finance Ltd is a below average quality company.
The key valuation ratios of Starteck Finance Ltd's currently when compared to its past seem to suggest it is in the Fair zone.
The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Starteck Finance Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.
About Starteck Finance Ltd
Nivedita Mercantile and Financing was incorporated in 1985 and is based in Nagpur, India. As of August 20, 2009, it operates as a subsidiary of Eskay Infrastructure Development.
The registered office of the company is situated at Imambada Road, Nagpur, Maharashtra- 440018.
Business area of the company
The company is engaged in the finance and related activities in India.
You have 46 views remaining as a Guest User. To get DeciZen Rating of 3,500+ Stocks based on their Quality, Valuation and Price Trend Login Now
