STARTECKFinancial Services

Starteck Finance Limited

Non Banking Financial Company (NBFC) · ISIN INE992I01013 · BSE 512381 · NSE EQ · FV ₹10
Last price
₹237
+0.27%today
What this company does

Starteck Finance Limited operates in Non Banking Financial Company (NBFC), part of the Financial Services sector. It booked ₹11 cr of revenue in its latest quarter (Q1 FY27) and kept 39.6% of sales as profit.

In the report:
64out of 100
Equitytale Health Score
Mixed

Healthier than 64% of companies in Financial Services, on the 5 of 6 measures we could read for it. Each measure is ranked against the 95–250 companies that reported it.

Measures financial condition, not whether to buy. Learn what this score means · How this is calculated

Price momentum
oversold
RSI (14)
29

At close. Not part of the score.

Profitability & returns49

How much profit it earns on the money it employs

Cash quality80

Whether reported profit actually arrives as cash

Growth & consistency45

Whether sales and profit have grown, and how steadily

Valuation73

What today's price implies, against our models or its peers

Governance & risk100

How much of the promoters' stake is pledged, and how much they hold · highest in its sector on what we could measure

Not measurable for this company: balance sheet. Those pillars are left out of the score rather than counted as zero.

Is this company doing well?
not investment advice
Strengths
Makes a profit
Strong 40% net margin
Sales up 39% vs last year
Profit up 22% vs last year
Promoters hold 73%
No promoter shares pledged
Turns profit into real cash
Watch-outs
! Low 6.6% return on equity
! Carries high debt (D/E 1.3)

What if I invest in STARTECK?

Set a growth rate and see what a monthly SIP would add up to. Your assumption, our arithmetic.

You would put in
₹12.00 lakh
120 instalments
At 10% a year, it would become
₹20.15 lakh

The starting rate is a round number, not a view on this company — this is your assumption, and the figure above is arithmetic on it. Returns are not steady year to year, and a real holding would not grow in a straight line. We do not publish price targets or predict returns.

Key ratios · latest quarter + price
₹237 +0.27%
latest close · 2026-09-17
52-wk low ₹11683 sessions so far52-wk high ₹290
Is it cheap or expensive?
What you pay for the profits, book value and cash flow. Higher isn't automatically worse — it can signal faster growth.
P/E ratio13.6Low
LowAverageHigh
P/B ratio0.89Below book
Below bookModerateHigh
How good is the business?
How much profit it earns from its money and its sales.
Return on equity6.6%Weak
WeakFairStrong ▸15%
Net margin39.6%Strong
ThinDecentStrong
Is it financially safe?
How much it owes, and whether it can comfortably cover it.
Debt to equity1.33High
LowModerateHigh ▸1
More figures
Market cap
₹235 cr
Book value
₹265
EPS
₹4.36
latest quarter
Net debt
Enterprise value
EBITDA
EBIT
Operating margin
Return on assets
2.6%
Earnings yield
7.34%
P/S
5.39
Sales / share
₹44.0
Tax rate
17.2%
Face value
₹10
Shares
1.0 cr
Working capital
Current assets
Current liabilities
Delivery %
52.8%
Strong / safeFairWeak / riskyValuation — a level, not good/badBands are general rules of thumb, not advice.

P/E, ROE, ROCE and margins are annualised from the latest quarter; per-share and balance-sheet ratios use the most recent balance sheet on file · prices as of 2026-09-17.

Worth vs price · from the FY 2025 report & filings
not investment advice
Priced about rightMedium confidence
Median of 3 models ₹220 vs market price ₹237 — price is 8% above it
Safety cushion-7.9%(target ≥ +20%)
Models span ₹115₹310, midpoint ₹220
Model ₹220
Price ₹237
Cheap sideExpensive side

An educational model from the company's own filings, every assumption shown — not investment advice or a price target. Prices can stay above or below any model for years.

P&L · Q1 FY27 (consolidated)
Revenue from Operations₹11 cr
Other Income₹92.2 L
Total Income₹12 cr
Cost of Materials₹0 cr
Purchases of Stock-in-Trade₹0 cr
Employee Benefit Expense₹22.1 L
Finance Costs₹6 cr
Depreciation & Amortisation₹13.7 L
Other Expenses₹53 L
Total Expenses₹7 cr
Profit before Tax₹5 cr
Tax Expense₹89.7 L
Net Profit₹4 cr
Net margin on total income36.5%
Where the money goes · Q1 FY27
% of total income
Employee benefit expense₹22.1 L1.9%
Finance costs₹6 cr48.4%
Depreciation & amortisation₹13.7 L1.2%
Other expenses₹53 L4.5%
Tax expense₹89.7 L7.6%
Profit for the period₹4 cr36.5%
Total income ₹12 cradds up to ₹100 ✓
Quarterly results · consolidated (₹ cr)
MetricQ3 FY26Q4 FY26Q1 FY27
Revenue10 cr8 cr11 cr
Total income16 cr11 cr12 cr
Expenses7 cr6 cr7 cr
Profit before tax9 cr5 cr5 cr
Tax1 cr14.3 L89.7 L
Net profit (owners' share)7 cr5 cr4 cr
Net margin (owners' share, on revenue)73.4%63.0%39.6%
EPS (₹)7.545.284.36
YoY (latest quarter): total income +15.7% · net profit +21.8%
Balance sheet & cash flow · as of Mar 2026
High debt
Total assets
₹675 cr
Shareholder equity
₹263 cr
parent shareholders
Total debt
₹351 cr
Cash
₹43.2 L
Cash flow · H1 FY26
Operating
₹12 cr
Investing
₹-43 cr
Financing
₹32 cr
Peer comparison
Non Banking Financial Company (NBFC) · by market value
CompanyPriceMarket capP/E
Bajaj Finance Limited₹1,015₹6.31 L cr26.4
Shriram Finance Limited₹995₹2.34 L cr16.7
Cholamandalam Investment and Finance Company Limited₹1,765₹1.51 L cr22.7
Tata Capital Limited₹344₹1.45 L cr23.5
Muthoot Finance Limited₹2,770₹1.11 L cr9.9
L&T Finance Limited₹302₹75,742 cr21.0
SBI Cards and Payment Services Limited₹637₹60,613 cr22.8
HDB Financial Services Limited₹681₹56,586 cr18.0
Sundaram Finance Limited₹4,663₹51,398 cr20.2
Same industry · latest reported numbers · not a recommendation.
Corporate actions
Dividend yield
0.11%
trailing 12 months
Dividend / share (TTM)
₹0.25
Last dividend
₹0.25
ex 11 Sep 2026
ActionDetailEx-date
Dividend₹0.25 / share11 Sep 2026
Dividend₹0.25 / share11 Aug 2025
Dividend₹0.25 / share23 Sep 2024
Dividend₹0.25 / share18 Sep 2023
Dividend₹0.25 / share17 Aug 2022
Dividend₹0.25 / share20 Sep 2021
Who owns it · 2026-06-30
No pledge
Promoter
73.3%
FII / Foreign
0.0%
DII / Domestic
Retail / others
26.7%
Promoter stake up 1.6% over the last 12 quarters.
Smart-money activity
Insider trades
BoughtSamagra Wealthmax Private Limited · Promoters10,196 · ₹28.3 L10 Dec 25
BoughtSamagra Wealthmax Private Limited · Promoters10,000 · ₹29.2 L1 Dec 25
BoughtSW Capital Private Limited · Promoters12,502 · ₹36.4 L13 Jun 25
Bulk / block deals
SoldSHREEJI CAPITAL AND FINANCE LIMITED · NSE75,000 @ ₹171.483 Jul 23
BoughtKANKESHWARI SECURITIES PVT LTD · NSE75,000 @ ₹171.483 Jul 23
Stake changes
BoughtSamagra Wealthmax Private Limited · promoter→ 73.29% · 20,19610 Dec 25
BoughtSW Capital Private Limited · promoter→ 73.09% · 12,50225 Jun 25
BoughtSW Capital Private Limited · promoter→ 72.97% · 12212 Jun 25
What shareholders were asked to approve

A company cannot decide everything on its own. Things like a top executive’s pay, issuing new shares, or re-appointing a director have to be put to the people who own the company, and they vote — one vote per share. So whoever owns the most shares has the most say.

Yearly shareholder meeting · 18 Aug 2025
See the official result
1
To receive, consider and adopt the Audited Standalone Financial Statements of the Company for the financial year ended 31st March, 2025, together with the Reports of the Board of Directors and the Auditors thereon
Backed by 100% of shareholders other than promotersneeded 50%
41,005 votes for, 0 against
2
To receive, consider and adopt the Audited Consolidated Financial Statements of the Company for the financial year ended 31st March, 2025, together with the Report of the Auditors thereon
Backed by 100% of shareholders other than promotersneeded 50%
41,005 votes for, 0 against
3
To declare final dividend of ₹ 0.25 (2.50%) per equity share of face value of ₹ 10 each held by the person/entities other than Promoter/Promoter Group for the financial year ended 31st March, 2025
Backed by 100% of shareholders other than promotersneeded 50%
41,005 votes for, 0 against
4
To appoint a Director in place of Mr. Anand Shroff (DIN: 08480489), who retires by rotation and, being eligible, offers himself for re-appointment
Backed by 100% of shareholders other than promotersneeded 50%
41,005 votes for, 0 against

Every vote count above is taken from the result the company filed with the stock exchange, certified by an independent counter. To work out what would have happened without the promoters, we simply remove their votes and re-apply the same legal bar the proposal had to clear. Nothing here is an estimate or an opinion.

Who controls this company, and what it pays them

Most Indian companies are controlled by a family or group — the promoters. The exchange requires them to be listed by name, including members who own no shares at all, and requires the company to disclose any business it does with them.

The promoter group — 14 named members
owning 73.3% between them · as of 2026-06-30
MATRABHAV TRUST (KAMAL KHETAN AND MANISHA KHETAN)11.69%
ESKAY INFRASTRUCTURE DEVELOPMENT PVT LTD10.75%
ASTHA TRUST (KAMAL KHETAN AND MANISHA KHETAN)10.55%
SW CAPITAL PRIVATE LIMITED10.45%
PARIPURNA TRUST (KAMAL KHETAN AND MANISHA KHETAN)8.79%
GLINT INFRAPROJECTS PRIVATE LIMITED5.13%
MANISHA KAMAL KHETAN3.84%
KAMAL KHETAN3.28%
Business done with them
FY2025 · 4 of the group
The company paid ₹42 cr to companies in the promoter group last year — about 127.3% of its ₹33 cr revenue and received ₹27 cr back from them.
ESKAY INFRASTRUCTURE DEVELOPMENT PRIVATE LIMITED
Other income from them · Interest Received,Loan and Advance given, Others
also owns 10.75% of the company
₹25 cr
company received
GLINT INFRAPROJECTS PRIVATE LIMITED
Other payments to them · Interest paid, Loan Taken, loan and advances paid
also owns 5.13% of the company
₹22 cr
company paid
Kamal Khetan
Other payments to them · Interest Paid
also owns 3.28% of the company
₹20 cr
company paid
SW CAPITAL PRIVATE LIMITED
Other income from them · Interest received loan and advance given
also owns 10.45% of the company
₹2 cr
company received

The company also transacted with 8 other related parties — subsidiaries, joint ventures, directors and others — that we could not match by name to the promoter list above. Some may still be connected to the family; we only count the ones the filings let us match with certainty.

Names and holdings from the company’s shareholding pattern filed with the exchange; transactions from the related-party note in its annual report. Every figure is as filed — these are legal, disclosed dealings, and what to make of them is your call.

How the stock has moved · adjusted for splits & bonuses
Data from primary exchange filings · analysis tool, not investment advice.