Market Data
Market Cap₹1,131.5 Cr.
52W High₹748.8
Current Price₹613.1
52W Low₹342
Down from 52W High18.1 %
Face Value₹10
Performance
ROCE1.62 %
ROE1.22 %
EPS (TTM)₹-0.07
EPS Prev Qtr₹0.28
EPS Last Year₹3.6
EBITDA Qtr₹-0.12 Cr.
Book Value₹876
Financial Health
Debt/Equity0
Debt/Profit0
Total Assets₹1,713.18 Cr.
Promoter Holding72.06 %
Earning Power1.52 %
Valuation
Stock P/E57.68
Industry P/E18.22
Price to Book0.7
Price to Sales42.17
Graham Number₹457.69
Key Metrics
Face Value
₹10
About STEL Holdings Ltd
Financial Services · Finance
STEL Holdings Ltd is listed on NSE in the Financial Services / Finance sector. Face value ₹10. Market cap ₹1,131.5 Cr.
Price Chart
Strengths & Weaknesses
Strengths
- The company has a zero debt-to-equity ratio, indicating a strong balance sheet with no financial leverage risks.
- The promoter holding is 72.06%, suggesting strong control and alignment of interests with shareholders.
Weaknesses
- The P/E ratio of 56.63 is significantly high, indicating that the stock may be overvalued relative to its earnings.
- The P/B ratio of 0.63 suggests that the market values the company below its book value.
- The ROCE of 1.49% and ROE of 1.12% are very low, indicating inefficient use of capital and poor return generation.
- The company has a very small revenue base of ₹26.83 Cr and net profit of ₹19.62 Cr, which may raise concerns about scalability and long-term growth potential.
Peer Comparison
| Name | CMP | P/E | Market Cap | Div Yield | NP Qtr | Qtr Profit Var% | Sales Qtr | Qtr Sales Var% | ROCE% | Debt/Eq |
|---|---|---|---|---|---|---|---|---|---|---|
| Bajaj Finance Ltd | - | 30.16 | ₹6,13,256.5 Cr | 0.61% | ₹20,647.67 Cr | - | ₹85,963.63 Cr | - | 10.43% | 3.82 |
| Bajaj Finserv Ltd | - | 27.52 | ₹2,80,096.25 Cr | 0.09% | ₹20,636.97 Cr | - | ₹1,57,641.68 Cr | - | 11.43% | 5.5 |
| Shriram Finance Ltd | - | 17.28 | ₹2,30,350.39 Cr | 1.1% | ₹11,295.71 Cr | - | ₹49,997.06 Cr | - | 11.48% | 3.8 |
| ICICI Prudential Asset Management Co Ltd | - | 31.77 | ₹1,58,506.24 Cr | - | ₹3,485.73 Cr | - | ₹6,040.44 Cr | - | 111.52% | 0 |
| Jio Financial Services Ltd | - | 68.4 | ₹1,45,434.19 Cr | 0.27% | ₹2,066.49 Cr | - | ₹4,905.27 Cr | - | 2.33% | 0.17 |
| Cholamandalam Investment & Finance Company Ltd | - | 24.17 | ₹1,39,794.37 Cr | 0.12% | ₹5,751 Cr | - | ₹32,662.59 Cr | - | 9.35% | 6.93 |
| Tata Capital Ltd | - | 25.45 | ₹1,39,274.15 Cr | 0.17% | ₹5,478.16 Cr | - | ₹32,695.45 Cr | - | 8.42% | 5.28 |
| Bajaj Holdings & Investment Ltd | - | 13.63 | ₹1,20,749.01 Cr | 1.8% | ₹8,993.16 Cr | - | ₹1,139.25 Cr | - | 12.4% | 0 |
| Muthoot Finance Ltd | - | 9.76 | ₹1,11,046.18 Cr | 1.08% | ₹11,457.46 Cr | - | ₹33,430.7 Cr | - | 14.43% | 3.88 |
| Power Finance Corporation Ltd | - | 4.18 | ₹1,08,952.86 Cr | 5.62% | ₹33,641.82 Cr | - | ₹1,15,431.43 Cr | - | 9.81% | 7.62 |
| SBI Funds Management Ltd | - | - | ₹1,06,475.16 Cr | - | - | - | - | - | - | 0 |
| Aditya Birla Capital Ltd | - | 25.05 | ₹1,04,186.93 Cr | - | ₹4,118.85 Cr | - | ₹48,185.84 Cr | - | 8.39% | 5.2 |
| Indian Railway Finance Corporation Ltd | - | 14.28 | ₹1,02,653.11 Cr | 1.34% | ₹7,190.69 Cr | - | ₹28,630.42 Cr | - | 5.78% | 7.69 |
| HDFC Asset Management Company Ltd | - | 26.91 | ₹98,766 Cr | 2.34% | ₹2,947.64 Cr | - | ₹4,253.73 Cr | - | 41.46% | 0 |
| REC Ltd | - | 4.99 | ₹79,918.35 Cr | 6.11% | ₹16,035.21 Cr | - | ₹59,202.49 Cr | - | 9.42% | 6.09 |
| L&T Finance Ltd | - | 22.07 | ₹70,266.92 Cr | 0.98% | ₹3,198.02 Cr | - | ₹18,897.97 Cr | - | 8.23% | 3.93 |
| Nippon Life India Asset Management Ltd | - | 42.74 | ₹70,191.49 Cr | 1.96% | ₹1,635.54 Cr | - | ₹2,869 Cr | - | 45.49% | 0 |
| Bajaj Housing Finance Ltd | - | 25.54 | ₹68,733.43 Cr | - | ₹2,692.32 Cr | - | ₹11,604.2 Cr | - | 8.35% | 4.6 |
| SBI Cards & Payment Services Ltd | - | 24.73 | ₹56,249.93 Cr | 0.42% | ₹2,275.15 Cr | - | ₹20,063.29 Cr | - | 10.14% | 2.8 |
| HDB Financial Services Ltd | - | 23.24 | ₹52,882.54 Cr | 0.16% | ₹2,175.9 Cr | - | ₹16,300.3 Cr | - | 9.03% | 5.52 |
Quarterly Results
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Sales | 9.27 | 17.2 | 0.26 | 0.1 |
| ↳ QoQ Growth | - | +85.5% | -98.5% | -61.5% |
| Expenses | 0.19 | 0.15 | 0.22 | 0.22 |
| Operating Profit | 9.07 | 17.05 | 0.04 | -0.12 |
| OPM % | 97.84% | 99.13% | 15.38% | -120% |
| Other Income | 0 | 0 | 0 | 0 |
| Interest | 0 | 0 | 0 | 0 |
| Depreciation | 0.01 | 0.01 | 0.01 | 0.01 |
| EBITDA | 9.08 | 17.06 | 0.05 | -0.11 |
| EBITDA Margin % | 97.95% | 99.19% | 19.23% | -110% |
| Profit Before Tax | 9.07 | 17.05 | 0.04 | -0.12 |
| Tax % | 26.79% | 26.22% | -1,175% | -8.33% |
| Net Profit | 6.65 | 12.58 | 0.52 | -0.13 |
| ↳ QoQ Growth | - | +89.2% | -95.9% | -125.0% |
| EPS | 3.6 | 6.82 | 0.28 | -0.07 |
Balance Sheet
| Mar 2025 | Mar 2026 | |
|---|---|---|
| Equity Capital | 18.4554 | 18.46 |
| Reserves | 1734.6918 | 1591.03 |
| Borrowings | 0 | 0 |
| Other Liabilities | 159.36 | 103.69 |
| Total Liabilities | 1912.5106 | 1713.18 |
| Fixed Assets | 0.7546 | 0.71 |
| CWIP | 0 | 0 |
| Investments | 1884.21 | 1709.94 |
| Other Assets | 27.55 | 2.53 |
| Total Assets | 1912.5106 | 1713.18 |
Cash Flows
| Mar 2025 | |
|---|---|
| Cash from Operating Activity | 43.1847 |
| Cash from Investing Activity | -43.1444 |
| Cash from Financing Activity | 0 |
| Net Cash Flow | 0.0403 |
Shareholding Pattern
| Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|
| Promoters % | 70.83% | 71.33% | 71.66% | 72.06% |
| FIIs % | 0.01% | 0% | 0.01% | 0.01% |
| DIIs % | 0.17% | 0.16% | 0.13% | 0.07% |
| Public % | 25.36% | 25.07% | 24.78% | 24.57% |
| No. of Shareholders | 21,602 | 21,353 | 21,183 | 20,877 |
Major Shareholders (>1%)
- Rainbow Investments LimitedPromoter and Promoter Group24.50%
- Instant Holdings LimitedPromoter and Promoter Group8.70%
- Harsh Vardhan Goenka, Trustee Of Secura India TrustPromoter and Promoter Group7.82%
- Carniwal Investments LimitedPromoter and Promoter Group7.48%
As of 2026-06-30View all shareholders →