STEL Holdings Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: February 18, 2026, 7:20 pm

Market Cap	888 Cr.
Current Price	477
Intrinsic Value	₹246.17
High / Low	635/316
Stock P/E	30.0
Book Value	1,005
Dividend Yield	0.00 %
ROCE	1.30 %
ROE	0.97 %
Face Value	10.0
PEG Ratio	9.51

Stock P/E, Current Price, and Intrinsic Value Over Time

Stock P/E Current Price Intrinsic Value

View Share Price Target for STEL Holdings Ltd

Competitors

Stock Name ⇩	Market Cap ⇩	Current Price ⇩	High / Low ⇩	Stock P/E ⇩	Book Value ⇩	Dividend Yield ⇩	ROCE ⇩	ROE ⇩	Face Value ⇩
Modern Shares & Stockbrokers Ltd	10.6 Cr.	36.2	53.0/32.5	50.6	44.4	0.00 %	3.32 %	1.74 %	10.0
Monarch Networth Capital Ltd	2,304 Cr.	291	399/265	14.4	111	0.34 %	33.3 %	26.2 %	10.0
Monotype India Ltd	32.4 Cr.	0.46	0.90/0.38	5.17	0.03	0.00 %	286 %	%	1.00
Multipurpose Trading & Agencies Ltd	4.02 Cr.	8.12	11.5/7.58		9.25	0.00 %	3.68 %	3.38 %	10.0
Munoth Financial Services Ltd	14.6 Cr.	28.4	69.9/24.5		19.9	0.00 %	2.41 %	3.38 %	10.0
Industry Average	7,443.16 Cr	1,239.52		110.21	4,366.08	0.37%	21.71%	14.20%	7.23

All Competitor Stocks of STEL Holdings Ltd

Quarterly Result

Metric	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
Sales	0	13	1	4	0	13	0	8	0	13	0	9	17
Expenses	0	0	0	0	0	0	0	0	0	0	0	0	0
Operating Profit	0	13	0	4	0	13	0	8	0	13	0	9	17
OPM %	65%	98%	62%	96%	50%	99%	36%	98%	47%	99%	51%	98%	99%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	0	13	0	4	0	13	0	8	0	13	0	9	17
Tax %	30%	25%	27%	25%	23%	25%	23%	25%	31%	25%	26%	27%	26%
Net Profit	0	10	0	3	0	10	0	6	0	10	0	7	13
EPS in Rs	0.08	5.23	0.12	1.62	0.05	5.40	0.05	3.10	0.05	5.41	0.19	3.60	6.82

Last Updated: February 4, 2026, 1:46 am

Below is a detailed analysis of the quarterly data for STEL Holdings Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:

For Sales, as of Dec 2025, the value is 17.00 Cr.. The value appears strong and on an upward trend. It has increased from 9.00 Cr. (Sep 2025) to 17.00 Cr., marking an increase of 8.00 Cr..
For Expenses, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
For Operating Profit, as of Dec 2025, the value is 17.00 Cr.. The value appears strong and on an upward trend. It has increased from 9.00 Cr. (Sep 2025) to 17.00 Cr., marking an increase of 8.00 Cr..
For OPM %, as of Dec 2025, the value is 99.00%. The value appears strong and on an upward trend. It has increased from 98.00% (Sep 2025) to 99.00%, marking an increase of 1.00%.
For Other Income, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
For Interest, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
For Depreciation, as of Dec 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 0.00 Cr..
For Profit before tax, as of Dec 2025, the value is 17.00 Cr.. The value appears strong and on an upward trend. It has increased from 9.00 Cr. (Sep 2025) to 17.00 Cr., marking an increase of 8.00 Cr..
For Tax %, as of Dec 2025, the value is 26.00%. The value appears to be improving (decreasing) as expected. It has decreased from 27.00% (Sep 2025) to 26.00%, marking a decrease of 1.00%.
For Net Profit, as of Dec 2025, the value is 13.00 Cr.. The value appears strong and on an upward trend. It has increased from 7.00 Cr. (Sep 2025) to 13.00 Cr., marking an increase of 6.00 Cr..
For EPS in Rs, as of Dec 2025, the value is 6.82. The value appears strong and on an upward trend. It has increased from 3.60 (Sep 2025) to 6.82, marking an increase of 3.22.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: December 15, 2025, 4:35 am

Metric	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Sales	3	4	10	7	7	10	16	12	20	17	18	22	23
Expenses	1	0	13	1	1	1	1	0	1	1	1	1	1
Operating Profit	3	4	-4	6	6	9	16	12	19	16	18	21	23
OPM %	81%	92%	-39%	85%	87%	94%	96%	96%	97%	96%	96%	97%	97%
Other Income	0	0	0	0	0	0	0	0	0	0	0	0	0
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
Profit before tax	3	4	-4	6	6	9	15	12	19	16	18	21	23
Tax %	0%	1%	6%	23%	3%	2%	2%	26%	25%	25%	25%	25%
Net Profit	3	4	-4	5	6	9	15	9	15	12	13	16	17
EPS in Rs	1.38	2.04	-2.19	2.58	3.12	4.87	8.22	4.69	7.92	6.64	7.19	8.60	9.25
Dividend Payout %	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year	2014-2015	2015-2016	2016-2017	2017-2018	2018-2019	2019-2020	2020-2021	2021-2022	2022-2023	2023-2024	2024-2025
YoY Net Profit Growth (%)	33.33%	-200.00%	225.00%	20.00%	50.00%	66.67%	-40.00%	66.67%	-20.00%	8.33%	23.08%
Change in YoY Net Profit Growth (%)	0.00%	-233.33%	425.00%	-205.00%	30.00%	16.67%	-106.67%	106.67%	-86.67%	28.33%	14.74%

STEL Holdings Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:	18%
5 Years:	6%
3 Years:	3%
TTM:	20%

Compounded Profit Growth
10 Years:	15%
5 Years:	1%
3 Years:	3%
TTM:	23%

Stock Price CAGR
10 Years:	35%
5 Years:	50%
3 Years:	51%
1 Year:	-8%

Return on Equity
10 Years:	1%
5 Years:	1%
3 Years:	1%
Last Year:	1%

Last Updated: September 5, 2025, 1:36 pm

Balance Sheet

Last Updated: January 7, 2026, 4:27 pm

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	18	18	18	18	18	18	18	18	18	18	18	18	18
Reserves	99	103	99	103	735	643	434	759	721	796	1,485	1,735	1,837
Borrowings	0	0	0	0	0	0	0	0	0	0	0	0	0
Other Liabilities	0	0	0	1	0	0	0	5	3	4	96	159	177
Total Liabilities	117	121	117	123	754	661	453	783	742	819	1,600	1,913	2,033
Fixed Assets	1	1	1	1	1	1	1	1	1	1	1	1	1
CWIP	0	0	0	0	0	0	0	0	0	0	0	0	0
Investments	97	111	98	101	727	635	417	687	713	781	1,566	1,884	2,003
Other Assets	19	9	18	21	25	25	35	95	28	36	32	28	29
Total Assets	117	121	117	123	754	661	453	783	742	819	1,600	1,913	2,033

Below is a detailed analysis of the balance sheet data for STEL Holdings Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:

For Equity Capital, as of Sep 2025, the value is 18.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 18.00 Cr..
For Reserves, as of Sep 2025, the value is 1,837.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,735.00 Cr. (Mar 2025) to 1,837.00 Cr., marking an increase of 102.00 Cr..
For Borrowings, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. Additionally, since Reserves exceed Borrowings, this is considered a positive sign. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
For Other Liabilities, as of Sep 2025, the value is 177.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 159.00 Cr. (Mar 2025) to 177.00 Cr., marking an increase of 18.00 Cr..
For Total Liabilities, as of Sep 2025, the value is 2,033.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 1,913.00 Cr. (Mar 2025) to 2,033.00 Cr., marking an increase of 120.00 Cr..
For Fixed Assets, as of Sep 2025, the value is 1.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 1.00 Cr..
For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
For Investments, as of Sep 2025, the value is 2,003.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,884.00 Cr. (Mar 2025) to 2,003.00 Cr., marking an increase of 119.00 Cr..
For Other Assets, as of Sep 2025, the value is 29.00 Cr.. The value appears strong and on an upward trend. It has increased from 28.00 Cr. (Mar 2025) to 29.00 Cr., marking an increase of 1.00 Cr..
For Total Assets, as of Sep 2025, the value is 2,033.00 Cr.. The value appears strong and on an upward trend. It has increased from 1,913.00 Cr. (Mar 2025) to 2,033.00 Cr., marking an increase of 120.00 Cr..

Notably, the Reserves (1,837.00 Cr.) exceed the Borrowings (0.00 Cr.), indicating a solid financial buffer.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity +	-2	-0	-4	-3	-2	-1	21	-10	15	14	12	43
Cash from Investing Activity +	3	1	10	4	7	-0	-5	72	-82	-14	-12	-43
Cash from Financing Activity +	-0	-0	-0	-1	-0	-0	-0	-0	-0	-0	-0	-0
Net Cash Flow	1	1	5	0	5	-1	16	62	-67	-0	-0	0

Free Cash Flow

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Free Cash Flow	3.00	4.00	-4.00	6.00	6.00	9.00	16.00	12.00	19.00	16.00	18.00	21.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

Month	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	0	0	0	0	0	0	0	0	0	0	0	0
Inventory Days
Days Payable
Cash Conversion Cycle	0	0	0	0	0	0	0	0	0	0	0	0
Working Capital Days	1,832	454	330	488	566	401	114	55	22	19	44	-418
ROCE %	2%	3%	-3%	5%	1%	1%	3%	2%	3%	2%	2%	1%

Financial Efficiency Indicators Chart

Share Holding Pattern

Month	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	62.67%	63.80%	63.80%	64.68%	65.64%	66.18%	67.47%	69.14%	69.14%	69.47%	69.47%	70.82%
FIIs	0.03%	0.00%	0.00%	0.02%	0.04%	0.00%	0.11%	0.13%	0.08%	0.02%	0.00%	0.01%
DIIs	0.20%	0.20%	0.20%	0.20%	0.20%	0.20%	0.17%	0.17%	0.17%	0.17%	0.17%	0.17%
Public	37.11%	36.00%	35.99%	35.11%	34.13%	33.62%	32.24%	30.55%	30.60%	30.34%	30.35%	29.00%
No. of Shareholders	22,357	21,955	21,863	22,220	21,832	21,462	21,161	21,013	21,853	22,069	21,938	21,602

Shareholding Pattern Chart

No. of Shareholders

STEL Holdings Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

Month	Mar 25	Mar 24	Mar 23	Mar 22	Mar 21
FaceValue	10.00	10.00	10.00	10.00	10.00
Basic EPS (Rs.)	8.60	7.19	6.64	7.92	4.69
Diluted EPS (Rs.)	8.60	7.19	6.64	7.92	4.69
Cash EPS (Rs.)	8.63	7.23	6.67	7.94	4.71
Book Value[Excl.RevalReserv]/Share (Rs.)	949.94	814.79	441.17	400.51	421.42
Book Value[Incl.RevalReserv]/Share (Rs.)	949.94	814.79	441.17	400.51	421.42
Revenue From Operations / Share (Rs.)	11.87	10.00	9.30	10.87	6.65
PBDIT / Share (Rs.)	11.52	9.65	8.92	10.55	6.38
PBIT / Share (Rs.)	11.49	9.61	8.89	10.53	6.35
PBT / Share (Rs.)	11.49	9.61	8.89	10.53	6.35
Net Profit / Share (Rs.)	8.60	7.19	6.64	7.92	4.69
NP After MI And SOA / Share (Rs.)	8.60	7.19	6.64	7.92	4.69
PBDIT Margin (%)	97.08	96.43	95.95	97.09	95.92
PBIT Margin (%)	96.82	96.07	95.63	96.87	95.53
PBT Margin (%)	96.82	96.07	95.63	96.87	95.53
Net Profit Margin (%)	72.43	71.88	71.43	72.81	70.55
NP After MI And SOA Margin (%)	72.43	71.88	71.43	72.81	70.55
Return on Networth / Equity (%)	0.90	0.88	1.50	1.97	1.11
Return on Capital Employeed (%)	1.12	1.10	2.00	2.62	1.49
Return On Assets (%)	0.82	0.82	1.49	1.96	1.10
Asset Turnover Ratio (%)	0.01	0.01	0.02	0.02	0.01
Current Ratio (X)	75.74	238628.52	9740.82	295.13	2213.13
Quick Ratio (X)	75.74	238628.52	9740.82	295.13	2213.13
Enterprise Value (Cr.)	687.19	560.39	231.42	186.81	60.50
EV / Net Operating Revenue (X)	31.37	30.35	13.48	9.31	4.93
EV / EBITDA (X)	32.31	31.47	14.05	9.59	5.14
MarketCap / Net Operating Revenue (X)	32.61	31.98	15.55	10.57	12.46
Price / BV (X)	0.40	0.39	0.32	0.28	0.19
Price / Net Operating Revenue (X)	32.62	31.98	15.55	10.57	12.46
EarningsYield	0.02	0.02	0.04	0.06	0.05

After reviewing the key financial ratios for STEL Holdings Ltd, here is a detailed analysis based on the latest available data and recent trends:

For FaceValue, as of Mar 25, the value is 10.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 10.00.
For Basic EPS (Rs.), as of Mar 25, the value is 8.60. This value is within the healthy range. It has increased from 7.19 (Mar 24) to 8.60, marking an increase of 1.41.
For Diluted EPS (Rs.), as of Mar 25, the value is 8.60. This value is within the healthy range. It has increased from 7.19 (Mar 24) to 8.60, marking an increase of 1.41.
For Cash EPS (Rs.), as of Mar 25, the value is 8.63. This value is within the healthy range. It has increased from 7.23 (Mar 24) to 8.63, marking an increase of 1.40.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 949.94. It has increased from 814.79 (Mar 24) to 949.94, marking an increase of 135.15.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 949.94. It has increased from 814.79 (Mar 24) to 949.94, marking an increase of 135.15.
For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 11.87. It has increased from 10.00 (Mar 24) to 11.87, marking an increase of 1.87.
For PBDIT / Share (Rs.), as of Mar 25, the value is 11.52. This value is within the healthy range. It has increased from 9.65 (Mar 24) to 11.52, marking an increase of 1.87.
For PBIT / Share (Rs.), as of Mar 25, the value is 11.49. This value is within the healthy range. It has increased from 9.61 (Mar 24) to 11.49, marking an increase of 1.88.
For PBT / Share (Rs.), as of Mar 25, the value is 11.49. This value is within the healthy range. It has increased from 9.61 (Mar 24) to 11.49, marking an increase of 1.88.
For Net Profit / Share (Rs.), as of Mar 25, the value is 8.60. This value is within the healthy range. It has increased from 7.19 (Mar 24) to 8.60, marking an increase of 1.41.
For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 8.60. This value is within the healthy range. It has increased from 7.19 (Mar 24) to 8.60, marking an increase of 1.41.
For PBDIT Margin (%), as of Mar 25, the value is 97.08. This value is within the healthy range. It has increased from 96.43 (Mar 24) to 97.08, marking an increase of 0.65.
For PBIT Margin (%), as of Mar 25, the value is 96.82. This value exceeds the healthy maximum of 20. It has increased from 96.07 (Mar 24) to 96.82, marking an increase of 0.75.
For PBT Margin (%), as of Mar 25, the value is 96.82. This value is within the healthy range. It has increased from 96.07 (Mar 24) to 96.82, marking an increase of 0.75.
For Net Profit Margin (%), as of Mar 25, the value is 72.43. This value exceeds the healthy maximum of 10. It has increased from 71.88 (Mar 24) to 72.43, marking an increase of 0.55.
For NP After MI And SOA Margin (%), as of Mar 25, the value is 72.43. This value exceeds the healthy maximum of 20. It has increased from 71.88 (Mar 24) to 72.43, marking an increase of 0.55.
For Return on Networth / Equity (%), as of Mar 25, the value is 0.90. This value is below the healthy minimum of 15. It has increased from 0.88 (Mar 24) to 0.90, marking an increase of 0.02.
For Return on Capital Employeed (%), as of Mar 25, the value is 1.12. This value is below the healthy minimum of 10. It has increased from 1.10 (Mar 24) to 1.12, marking an increase of 0.02.
For Return On Assets (%), as of Mar 25, the value is 0.82. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 24) which recorded 0.82.
For Asset Turnover Ratio (%), as of Mar 25, the value is 0.01. There is no change compared to the previous period (Mar 24) which recorded 0.01.
For Current Ratio (X), as of Mar 25, the value is 75.74. This value exceeds the healthy maximum of 3. It has decreased from 238,628.52 (Mar 24) to 75.74, marking a decrease of 238,552.78.
For Quick Ratio (X), as of Mar 25, the value is 75.74. This value exceeds the healthy maximum of 2. It has decreased from 238,628.52 (Mar 24) to 75.74, marking a decrease of 238,552.78.
For Enterprise Value (Cr.), as of Mar 25, the value is 687.19. It has increased from 560.39 (Mar 24) to 687.19, marking an increase of 126.80.
For EV / Net Operating Revenue (X), as of Mar 25, the value is 31.37. This value exceeds the healthy maximum of 3. It has increased from 30.35 (Mar 24) to 31.37, marking an increase of 1.02.
For EV / EBITDA (X), as of Mar 25, the value is 32.31. This value exceeds the healthy maximum of 15. It has increased from 31.47 (Mar 24) to 32.31, marking an increase of 0.84.
For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 32.61. This value exceeds the healthy maximum of 3. It has increased from 31.98 (Mar 24) to 32.61, marking an increase of 0.63.
For Price / BV (X), as of Mar 25, the value is 0.40. This value is below the healthy minimum of 1. It has increased from 0.39 (Mar 24) to 0.40, marking an increase of 0.01.
For Price / Net Operating Revenue (X), as of Mar 25, the value is 32.62. This value exceeds the healthy maximum of 3. It has increased from 31.98 (Mar 24) to 32.62, marking an increase of 0.64.
For EarningsYield, as of Mar 25, the value is 0.02. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 24) which recorded 0.02.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of STEL Holdings Ltd as of February 18, 2026 is: ₹238.64

Calculation basis:

Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of February 18, 2026, STEL Holdings Ltd is Overvalued by 49.97% compared to the current share price ₹477.00

Intrinsic Value of STEL Holdings Ltd as of February 18, 2026 is: ₹246.17

Calculation basis:

Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of February 18, 2026, STEL Holdings Ltd is Overvalued by 48.39% compared to the current share price ₹477.00

Last 5 Year EPS CAGR: 3.15%

*Investments are subject to market risks

Strength and Weakness

Strength	Weakness
The stock has a low average Cash Conversion Cycle of 0.00, which is a positive sign. The company has higher reserves (734.54 cr) compared to borrowings (0.00 cr), indicating strong financial stability. The company has shown consistent growth in sales (13.00 cr) and profit (11.38 cr) over the years.	The stock has a low average ROCE of 1.83%, which may not be favorable. The stock has a high average Working Capital Days of 173.00, which may not be favorable.

Stock Analysis

Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in STEL Holdings Ltd:
1. Net Profit Margin: 72.43%
  - Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
2. ROCE: 1.12% (Industry Average ROCE: 21.71%)
  - ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
3. ROE%: 0.9% (Industry Average ROE: 14.2%)
  - ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
4. Interest Coverage Ratio (Post Tax): 0
  - Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
5. Quick Ratio: 75.74
  - Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
6. Stock P/E: 30 (Industry average Stock P/E: 110.21)
  - Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
7. Total Debt / Equity: 0
  - Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
Stock Rating:

About the Company - Qualitative Analysis

STEL Holdings Ltd. is a Public Limited Listed company incorporated on 21/09/1990 and has its registered office in the State of Kerala, India. Company's Corporate Identification Number(CIN) is L65993KL1990PLC005811 and registration number is 005811. Currently Company is involved in the business activities of Activities of holding companies. Company's Total Operating Revenue is Rs. 21.91 Cr. and Equity Capital is Rs. 18.46 Cr. for the Year ended 31/03/2025.

INDUSTRY	ADDRESS	CONTACT
Finance & Investments	24/1624, Bristow Road, Willingdon Island, Cochin Kerala 682003	Contact not found

Management
Name	Position Held
Mr. Abraham Ittyipe	Whole Time Director
Mr. Alok Kalani	Director
Ms. Iram Hassan	Director
Mr. Sunil Kamalakar Tamhane	Director
Mr. Rohin Feroze Bomanji	Director
Mr. Kaushik Roy	Director
Mr. Mahesh Narayanaswamy	Director
Mr. Samarth Parekh	Director

FAQ

What is the intrinsic value of STEL Holdings Ltd?

STEL Holdings Ltd's intrinsic value (as of 18 February 2026) is ₹246.17 which is 48.39% lower the current market price of ₹477.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹888 Cr. market cap, FY2025-2026 high/low of ₹635/316, reserves of ₹1,837 Cr, and liabilities of ₹2,033 Cr.

What is the Market Cap of STEL Holdings Ltd?

The Market Cap of STEL Holdings Ltd is 888 Cr..

What is the current Stock Price of STEL Holdings Ltd as on 18 February 2026?

The current stock price of STEL Holdings Ltd as on 18 February 2026 is ₹477.

What is the High / Low of STEL Holdings Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of STEL Holdings Ltd stocks is ₹635/316.

What is the Stock P/E of STEL Holdings Ltd?

The Stock P/E of STEL Holdings Ltd is 30.0.

What is the Book Value of STEL Holdings Ltd?

The Book Value of STEL Holdings Ltd is 1,005.

What is the Dividend Yield of STEL Holdings Ltd?

The Dividend Yield of STEL Holdings Ltd is 0.00 %.

What is the ROCE of STEL Holdings Ltd?

The ROCE of STEL Holdings Ltd is 1.30 %.

What is the ROE of STEL Holdings Ltd?

The ROE of STEL Holdings Ltd is 0.97 %.

What is the Face Value of STEL Holdings Ltd?

The Face Value of STEL Holdings Ltd is 10.0.