Starteck Finance Limited (STARTECK) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Starteck Finance Limited ₹310, price ₹291, upside +6.5%, quality 53 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
53‑month range ₹107.55 – ₹409.31 · fair‑value band ₹109.91 – ₹682.91 · the ₹290.95 price screens below the ₹309.73 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Oct 3, 2026.
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Starteck Finance Limited operates as a non-banking financial company in India. The company offers financing solutions to retail, small and medium enterprise, and commercial customers in urban and semi-urban areas. The company was formerly known as Nivedita Mercantile and Financing Limited and changed its name to Starteck Finance Limited in November 2018.
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Starteck Finance Limited operates as a non-banking financial company in India. The company offers financing solutions to retail, small and medium enterprise, and commercial customers in urban and semi-urban areas. The company was formerly known as Nivedita Mercantile and Financing Limited and changed its name to Starteck Finance Limited in November 2018. Starteck Finance Limited was incorporated in 1985 and is based in Mumbai, India.
Stock analysis
Starteck Finance Limited (STARTECK) currently trades at ₹290.95, while our model-based Fair Value estimate is ₹309.73, so the stock looks roughly fairly valued today (gap 6.1%).
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Valuation
Bull case: the Earnings-Based group reads highest at a median of ₹833.90 per share, and 7 of the 11 models we run sit above the ₹290.95 price.
Bear case: the Asset-Based group reads lowest at ₹177.77, and 4 of the 11 models stay below the price. Evidence for this calculation is high.
Scenario range: ₹109.91 (bear) to ₹682.91 (bull), the price of ₹290.95 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 53/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Starteck Finance Limited reported revenue of ₹531M in FY2026 versus ₹289M in FY2022, a compound +16.4%/yr. Reported net income was ₹236M in FY2026, compounding +23.4%/yr from FY2022.
Key figures
Market cap ₹2.9B (≈ $29.9M) · P/E ratio 11.8 · P/S ratio 5.25 · EPS (TTM) ₹24.61 · Dividend yield 0.1% · Net margin 44.4% · Return on equity 9.5% · Return on assets (EBIT) 4.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 13% below its 52-week high and 35% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 10% fair-value upside, at 6%, STARTECK screens richer than that median.
Fair Value models
Bear ₹109.91Fair Value ₹309.73Bull ₹682.91
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2026 figures (about 6 months old). Earnings retained since then (₹12.41 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+62.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−6.8%
Start year 2021 (pandemic). Over 10 years: +9.5% a year
Revenue growth 24 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.8%
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What shareholders gained per year (last 5 years), in INR ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in INR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+18.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+18.3%
Dividend (yield on the price)0.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.18.3% vs 15.2%, picking up
Profit margin 2021 to 2026 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.56% → 51%
Start year 2021 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+19.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (India: IMF forecast 4.1% a year to 2030, 4.7% from 2016 to 2025) that is about +14.6% a year for the price.
Compare Starteck Finance Limited with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 328 stocks
Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score54 · Above median
Fair Value upside+6.5% · Below median
Profitability
Return on equity (TTM)9.5% · Above median
Return on assets4.0% · Above median
Net margin (TTM)75.8% · Top 25%
Operating margin (TTM)88.4% · Top 25%
Growth and dividend
Revenue growth30.9% · Above median
Dividend yield (TTM)0.1% · Bottom 25%
Balance sheet
Debt / equity1.34× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
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Is Starteck Finance Limited (STARTECK) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of ₹309.73 versus a price of ₹290.95, about +6% upside (fairly valued).
What is the fair value of STARTECK?
Our model-based fair value for Starteck Finance Limited is ₹309.73 (as of Oct 3, 2026), built from audited fundamentals. The current price: ₹290.95.
What is the quality score of STARTECK?
Starteck Finance Limited has a Quality Score of 53/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Starteck Finance Limited (STARTECK)?
Our model-based price target is the fair value of ₹309.73 (as of Oct 3, 2026) from 12 valuation models. Cautious scenario ₹109.91, optimistic scenario ₹682.91. It is a calculation from audited fundamentals, not an analyst target.
What is the Starteck Finance Limited stock forecast for 2026?
Our models put fair value at ₹309.73, about +6% upside versus a price of ₹290.95 (fairly valued). Cautious scenario ₹109.91, optimistic scenario ₹682.91. The calculation is refreshed regularly with new filings.
What is the revenue of Starteck Finance Limited (STARTECK)?
Starteck Finance Limited reported trailing-twelve-month revenue of about ₹323M (latest available figure, as of Oct 3, 2026).
Does Starteck Finance Limited pay a dividend?
Starteck Finance Limited currently shows a dividend yield of about 0.09% relative to its recent price (as of Oct 3, 2026).
What growth is priced into Starteck Finance Limited (STARTECK)?
For today's price to be fair in a discounted-cash-flow model, Starteck Finance Limited would have to grow free cash flow by +19.3 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -6.8 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of STARTECK use?
Our models discount Starteck Finance Limited at 10.9 %: a base by market capitalisation (nano), damped by beta 0.48, country premium for India. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Starteck Finance Limited that is +19.3 % per year a year over ten years, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has Starteck Finance Limited (STARTECK) delivered so far?
Over the past 5 years revenue at Starteck Finance Limited grew -6.8 % a year. The price currently implies +19.3 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Starteck Finance Limited (STARTECK) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Starteck Finance Limited (+19.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Starteck Finance Limited (STARTECK)?
The free-cash-flow yield on the price is 11.29 %: that much free cash flow Starteck Finance Limited produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Starteck Finance Limited (STARTECK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Starteck Finance Limited it is ₹309.73 per share (as of Oct 3, 2026), against a price of ₹290.95. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is Starteck Finance Limited stock overvalued or undervalued in 2026?
As of Oct 3, 2026, STARTECK trades below its calculated fair value: price ₹290.95, fair value ₹309.73, a gap of about +6% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of STARTECK?
No. The price is what the market pays today (₹290.95); the fair value is what the company's own numbers justify (₹309.73). For Starteck Finance Limited the two are ₹18.78 per share apart. That gap is exactly why we show both numbers side by side.
How much is Starteck Finance Limited worth?
The market values Starteck Finance Limited at about ₹2.9B (market capitalisation, as of Oct 3, 2026). Per share that is ₹290.95; our models calculate a fair value of ₹309.73 per share.
What do the bullish and bearish scenarios say about STARTECK?
Our models span a range for Starteck Finance Limited: cautious scenario ₹109.91, base ₹309.73, optimistic ₹682.91 per share (as of Oct 3, 2026, price ₹290.95). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of STARTECK?
Starteck Finance Limited trades at a price-to-earnings ratio of 11.8 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of ₹309.73 is built from several models across several years. Other multiples: P/B 1.1, P/S 9.3, EV/EBITDA 23.2.
How solid is the balance sheet of Starteck Finance Limited (STARTECK)?
Balance-sheet figures for Starteck Finance Limited (as of Oct 3, 2026): return on equity 9.5%, debt of 1.34 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is STARTECK from its 52-week high?
Starteck Finance Limited trades at ₹290.95, about 13% below its 52-week high of ₹335.40 and 35% above the low of ₹216.00 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of ₹309.73 is for.
Which stocks are comparable to Starteck Finance Limited?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Starteck Finance Limited stock attractive at the current price?
The data as of Oct 3, 2026: price ₹290.95, calculated fair value ₹309.73 (+6%), Quality Score 53/100, from 12 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of STARTECK calculated?
We run Starteck Finance Limited through 12 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of ₹309.73, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Starteck Finance Limited currently trades 6 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Starteck Finance Limited (STARTECK)?
The closing price on Oct 1, 2026 was ₹290.95. Our model-based fair value is ₹309.73, about +6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Starteck Finance Limited right now?
The model range is unusually wide (₹109.91 to ₹682.91). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Starteck Finance Limited (STARTECK) come from?
Earnings per share at Starteck Finance Limited grew +13.9 % a year from 2015 to 2026. Broken into its drivers: revenue per share +8.0 %, EBIT margin +5.5 %, tax rate +0.7 %, residual (interest, one-offs) −0.8 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Starteck Finance Limited
How large is the market capitalisation of Starteck Finance Limited (STARTECK)?
The market capitalisation of Starteck Finance Limited is ₹2.9B (≈ $29.9M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Starteck Finance Limited (STARTECK)?
The price-to-sales ratio of Starteck Finance Limited is 5.25 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Starteck Finance Limited (STARTECK)?
Earnings per share at Starteck Finance Limited are ₹24.61 (price ÷ EPS = P/E 11.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Starteck Finance Limited (STARTECK)?
The dividend yield of Starteck Finance Limited is 0.1% (payout 1.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Starteck Finance Limited (STARTECK)?
The net margin of Starteck Finance Limited is 44.4% (fiscal year 2026). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Starteck Finance Limited (STARTECK)?
The return on equity (ROE) of Starteck Finance Limited is 9.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Starteck Finance Limited (STARTECK)?
On an EBIT basis the return on assets of Starteck Finance Limited is 4.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Starteck Finance Limited (STARTECK)?
The operating margin of Starteck Finance Limited is 85.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Starteck Finance Limited (STARTECK)?
Revenue at Starteck Finance Limited is growing +24.6% versus a year earlier (3y avg +23.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Starteck Finance Limited (STARTECK)?
Earnings per share at Starteck Finance Limited are growing +21.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Starteck Finance Limited (STARTECK) carry?
The net debt of Starteck Finance Limited is ₹3.5B (fiscal year 2026, ≈ 10.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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