Overview

Detailed Summary

Starteck Finance Limited is a non-deposit taking non-systemically important finance company in India, offering financing to industrial enterprises.
Initially known as Nivedita Mercantile & Financing Limited, it has been operational since 1985, showing a long-standing presence in the financial sector.
In recent strategic moves, Starteck Finance sold its stake in its housing finance subsidiary and acquired Bhuwalka Steel Industries by infusing funds during its insolvency process.
The acquisition of Bhuwalka Steel Industries reflects Starteck's strategic expansion into different industry verticals, aiming to increase its scope and reach.
Despite challenges, Starteck Finance has demonstrated adaptability in its business model through acquisitions and strategic exits, positioning itself for future growth.

Sector: Finance
Industry: Non Banking Financial Company (NBFC)
Market Cap: 274 Cr
Volatility: Low Risk
P/E Ratio: 11.6
Industry P/E: 17.8
PEG Ratio: 4.6
P/B Ratio: 1.0
52W High: 361.80
52W Low: 220.05

Sales CAGR

1Y: -3.52%
3Y: 23.10%
5Y: 1.17%
10Y: 3.65%

Profit CAGR

1Y: -35.20%
3Y: 2.35%
5Y: 20.90%
10Y: 6.44%

ROE

TTM: 8.98%
3Y: 7.79%
5Y: 10.36%
10Y: 7.52%

ROCE

TTM: 7.79%
3Y: 8.47%
5Y: 8.85%
10Y: 7.54%

Technicals

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Forecasts

Peers

Financial Services Financial Services Finance

Symbol	Watchlist	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
UCIL		61.00	270 Cr	3.10	1.65	0.00	53.09	34.26	18.18
STARTECK		275.95	258 Cr	10.92	0.98	0.00	8.98	7.79	3.50
SERA		39.89	255 Cr	4.76	0.87	0.26	18.24	21.69	15.25
UYFINCORP		14.60	244 Cr	-369.82	0.98	0.00	-0.27	-0.22	-0.21
TEAMGTY		263.80	237 Cr	334.03	4.89	0.00	1.48	2.83	1.43
VAARAD		9.33	233 Cr	-1110.29	10.56	0.00	-0.99	-0.84	-0.74
SAHLIBHFI		74.36	230 Cr	11.79	1.34	0.67	11.33	13.48	8.39
Median: 7 Co.	—	61.00	244 Cr	4.76	1.34	0.00	8.98	7.79	3.50

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Revenue	7.39	11	7.02	8.43	8.76	8.49	7.82	9.44	10	8.31
Expenses	1.02	4.06	1.06	0.93	1.17	0.86	0.65	1.77	0.67	0.57
Interest	2.86	3.03	4.13	4.57	4.98	5.32	5.33	5.70	5.92	5.05
Financing Profit	3.51	3.84	1.83	2.93	2.61	2.31	1.84	1.97	3.59	2.69
Financing Margin %	47.50	35.13	26.07	34.76	29.79	27.21	23.53	20.87	35.27	32.37
Other Income	0.00	0.33	0.25	1.28	0.73	0.09	2.40	6.68	5.48	2.82
Depreciation	0.14	0.12	0.14	0.14	0.14	0.14	0.14	0.14	0.14	0.14
Profit Before Tax	3.37	4.05	1.95	4.07	3.20	2.26	4.11	8.51	8.93	5.37
Tax %	18.40	14.81	12.31	11.79	-13.44	37.61	13.87	13.51	16.24	2.61
Net Profit	2.75	3.45	1.71	3.59	3.63	1.41	3.54	7.36	7.48	5.23
EPS in Rs	2.77	3.48	1.72	3.62	3.66	1.42	3.58	7.43	7.54	5.28
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	21	18	15	28	41	28	28	37	33	34
Expenses	19	17	4.83	16	5.94	2.86	5.81	6.98	3.94	3.61
Interest	0.00	0.00	8.61	8.45	31	14	9.36	12	19	20
Financing Profit	1.53	0.80	1.75	3.64	4.45	11	13	19	9.77	9.69
Financing Margin %	7.45	4.48	11.50	12.93	10.86	40.42	46.25	50.13	29.87	28.93
Other Income	1.17	0.71	0.10	0.01	35	0.57	0.00	0.43	3.77	4.50
Depreciation	0.00	0.00	0.00	0.00	0.00	0.00	0.55	0.54	0.55	0.56
Profit Before Tax	2.70	1.52	1.84	3.65	40	12	12	19	13	14
Tax %	13.51	26.50	19.40	0.79	4.94	15.35	19.36	14.54	8.75	10.78
Net Profit	2.34	1.11	1.48	3.62	38	10	22	16	10	12
EPS in Rs	2.36	1.11	1.50	3.63	37.97	10.28	22.01	16.05	10.42	23.83
Dividend Payout %	0.00	0.00	0.00	6.85	0.66	2.43	1.14	1.56	2.38	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	9.91	9.91	9.91	9.91	9.91	9.91	9.91	9.91	9.91	9.91
Reserves	99	101	102	94	95	137	151	170	194	224
Borrowings	198	138	91	91	88	640	92	181	202	227
Other Liabilities	3.58	5.34	8.06	12	7.73	27	15	24	36	54
Total Liabilities	311	254	211	207	201	814	268	384	442	515
Fixed Assets	0.00	0.00	0.00	0.00	0.00	0.00	0.00	102	101	101
CWIP	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	0.00	0.00	0.00	73	73	65	74	72	131	196
Other Assets	311	254	211	134	128	749	194	210	210	219
Total Assets	311	254	211	207	201	814	268	384	442	515

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	8.61	-6.70	-6.73	4.79	16	-50	-4.94	86	36	27
Cash from Investing Activity	-6.17	4.98	6.41	-4.38	-12	47	-4.61	-50	-58	-39
Cash from Financing Activity	-0.60	0.00	0.00	0.00	0.00	1.52	5.64	-35	24	9.28
Net Cash Flow	1.85	-1.72	-0.32	0.41	4.56	-1.05	-3.90	0.23	2.13	-2.12

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Promoters	71.52%	71.69%	72.55%	72.76%	72.76%	72.76%	72.76%	72.95%	73.10%	73.10%	73.30%	73.30%
FIIs	0.00%	0.00%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.08%	0.00%	0.00%
DIIs	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Public	28.48%	28.31%	27.44%	27.24%	27.24%	27.24%	27.24%	27.05%	26.90%	26.82%	26.70%	26.70%
Total Shareholders	1,061	1,133	1,966	1,904	1,965	1,772	1,723	1,695	1,637	1,519	1,470	1,451

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