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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Starteck Finance Limited is an India-based non-banking financial company (NBFC). The Company is primarily engaged in the business of financing needs of various corporates having presence in urban and semi-urban areas of India. The Company has a diversified lending portfolio…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, stagnant business, reasonably priced.
STARTECK FINANCE LIMITED is scored on the nbfc / financials framework. It keeps a fat 66.0% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 8%/yr and profit at 3%/yr. Book value has grown 14%/yr. Return on equity is a modest 9.0%. In the latest quarter profit fell 17% versus the prior quarter.
At 10× earnings, the stock sits at the 21st percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-1%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 10.03 | 11.61 | better |
| P/B | 0.93 | 1.4 | better |
| EV/EBITDA | 11.63 | 13.86 | better |
| ROE | 8.98 | — | — |
| ROCE | 7.79 | — | — |
| ROA | 3.61 | — | — |
| Quick Ratio | 0.08 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
8% CAGR — growing but slowly. Growth is accelerating — latest year outpaced the prior year's rate.
Revenue is outpacing profit (8% vs 3%) — costs are rising faster than the top line. The latest year saw a +127% swing — check if it's a one-off or structural.
Operating margin has compressed from 86% to 75% — costs or competition are eating into profitability. Margins have declined for 2 consecutive years — watch for a structural cost problem.
ROE at 9% — modest; the capital isn't working hard.
3% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Cash conversion at 1.4× PAT — earnings are well-backed by cash; strong accrual quality. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 31% sequentially — momentum is building.
Profit fell 17% QoQ — one-quarter drops can be noise, but a pattern matters. Quarterly margins are compressing (78% → 40%) — more revenue isn't translating to proportionally more profit.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 73.3% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.