RSD Finance

Why is RSD Finance Ltd falling/rising?

As of 07-Jul, RSD Finance Ltd's stock price is at 75.40, down 8.05%, significantly underperforming the Sensex. The stock is consistently below its moving averages and has seen a sharp decline in investor participation, contributing to its ongoing downward trend.

As of 07-Jul, RSD Finance Ltd's stock price is falling, currently at 75.40, which reflects a change of -6.6 or -8.05%. The stock has underperformed significantly compared to the benchmark Sensex, with a performance today that is -100.1% lower than the sector. Over the past week, the stock has declined by 8.94%, while the Sensex has increased by 2.23%. <BR><BR>Additionally, RSD Finance is trading below its moving averages across various time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a consistent downward trend. There has also been a notable decline in investor participation, with delivery volume on 06 Jul falling by 88.87% compared to the 5-day average. This lack of trading activity, combined with the stock's poor performance relative to both the sector and the broader market, contributes to the ongoing decline in RSD Finance Ltd's stock price.

Which are the latest news on RSD Finance?

What does RSD Finance do?

RSD Finance Ltd is a Non-Banking Financial Company (NBFC) established in 1963, focused on providing loans and acquiring financial securities, with a current market cap of INR 104 Cr. As of March 2026, it reported net sales of 6 Cr and a net loss of 3 Cr.

Overview:<BR>RSD Finance Ltd is a Non-Banking Financial Company (NBFC) operating in the micro-cap market, primarily engaged in providing loans and advances as well as acquiring various financial securities.<BR><BR>History:<BR>RSD Finance Limited was incorporated on February 3, 1963. The company is registered with the RBI as a Non-Banking Financing Company. The latest quarterly results reported net sales and profit for the period ending March 2026.<BR><BR>Financial Snapshot:<BR>Most recent Net Sales: 6 Cr (Quarterly Results - Mar 2026) <BR>Most recent Net Profit: -3 Cr (Quarterly Results - Mar 2026) <BR>Market-cap value: INR 104 Cr (Micro Cap)<BR><BR>Key Metrics:<BR>P/E: 8.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.00 <BR>Return on Equity: 0.00% <BR>Price-to-Book: 0.46 <BR><BR>Contact Details:<BR>Address: HNo 4 The Alcor Hotel, Ramdas Bhatta Bistupur Jamshedpur Jharkhand : 831001 <BR>Email: rsdfinance.ltd@gmail.com <BR>Website: http://www.rsdfinancelimited.com

How big is RSD Finance?

As of 10th June, RSD Finance Ltd has a market capitalization of 104.00 Cr, with recent net sales of 37.58 Cr and a net profit of 12.85 Cr. The company reported shareholder's funds of 211.90 Cr and total assets of 292.47 Cr for the annual period ending in March 2025.

As of 10th June, RSD Finance Ltd has a market capitalization of 104.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, RSD Finance reported Net Sales of 37.58 Cr and a Net Profit of 12.85 Cr.<BR><BR>For the latest annual period ending in March 2025, the company reported Shareholder's Funds of 211.90 Cr and Total Assets of 292.47 Cr.

Who are in the management team of RSD Finance?

The management team of RSD Finance includes Rajeev Singh Dugal (Managing Director), Upneet Dugal (Executive Director), and four Non-Executive Independent Directors: Sushil Kumar Khowala, Malkeet Singh Saini, and Jayesh Taunk, along with Puja Choudhary as Company Secretary & Compliance Officer.

The management team of RSD Finance includes the following members:<BR><BR>1. **Rajeev Singh Dugal** - Managing Director<BR>2. **Sushil Kumar Khowala** - Non Executive Independent Director<BR>3. **Malkeet Singh Saini** - Non Executive Independent Director<BR>4. **Upneet Dugal** - Executive Director<BR>5. **Jayesh Taunk** - Non Executive Independent Director<BR>6. **Puja Choudhary** - Company Secretary & Compliance Officer<BR><BR>If you need more details about their roles or responsibilities, feel free to ask!

Who are the peers of the RSD Finance?

RSD Finance's peers include Kreon Finnancial, Arunjyoti Bio, Optimus Finance, Escorp Asset Management, Indian Infotech, Saumya Consulting, Jagsonpal Services, Tomorrow Tech, and J A Finance. Kreon Finnancial leads in management quality and growth, while RSD Finance has below-average growth and a 1-year return of -22.41%.

Peers: The peers of RSD Finance are Kreon Finnancial, Arunjyoti Bio, Optimus Finance, Escorp Asset Mgt, Indian Infotech, Saumya Cons, Jagsonpal Servic, Tomorrow Tech., and J A Finance.<BR><BR>Quality Snapshot: Excellent management risk is observed at Kreon Finnancial, Optimus Finance, Escorp Asset Mgt, and J A Finance, while Average management risk is found at Escorp Asset Mgt and the rest. Below Average management risk is noted for Arunjyoti Bio, Indian Infotech, RSD Finance, Saumya Cons, Tomorrow Tech., and the rest. Growth ratings show Excellent growth at Kreon Finnancial, Escorp Asset Mgt, while Good growth is seen at Optimus Finance, Average growth at Arunjyoti Bio, and the rest, and Below Average growth at RSD Finance, Indian Infotech, Saumya Cons, Tomorrow Tech., and the rest. Capital Structure ratings are Excellent for Kreon Finnancial, Optimus Finance, Escorp Asset Mgt, RSD Finance, Saumya Cons, and J A Finance, while Average is noted for Arunjyoti Bio and Indian Infotech.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Kreon Finnancial at 151.05%, while the lowest is Indian Infotech at -40.38%. RSD Finance's 1-year return is -22.41%, which is higher than Indian Infotech but lower than Kreon Finnancial. Additionally, peers such as Escorp Asset Mgt, Indian Infotech, Tomorrow Tech., and J A Finance have negative six-month returns.

Should I buy, sell or hold RSD Finance Ltd?

Are RSD Finance Ltd latest results good or bad?

RSD Finance Ltd's latest results are concerning, with a net profit of ₹-2.94 crores for Q4 FY26, marking a 142.61% decline quarter-on-quarter and a 783.72% drop year-on-year. The company faces severe operational distress, reflected in negative operating margins and a "Strong Sell" rating.

The latest results for RSD Finance Ltd are quite concerning. The company reported a consolidated net profit of ₹-2.94 crores for Q4 FY26, which represents a staggering decline of 142.61% quarter-on-quarter and a 783.72% drop year-on-year. This marks the worst quarterly performance in its recent history.<BR><BR>Net sales also fell sharply to ₹5.58 crores, down 60.84% from the previous quarter and 84.80% from the same quarter last year. Such a dramatic decline in revenue indicates significant challenges in the company's lending operations and overall business performance.<BR><BR>Additionally, the operating margin turned negative at -4.66%, the lowest in eight quarters, reflecting that the core business is not generating positive cash flows. The return on equity has dropped to just 5.55%, which is below industry standards.<BR><BR>Overall, these results suggest that RSD Finance is facing severe operational distress, with multiple key performance indicators flashing red. The company's proprietary advisory score has plummeted to 20 out of 100, leading to a "Strong Sell" rating. Given these factors, the latest results can be classified as bad, highlighting a critical need for the company to address its operational challenges.

When is the next results date for RSD Finance Ltd?

The next results date for RSD Finance Ltd is 25 May 2026.

The next results date for RSD Finance Ltd is scheduled for 25 May 2026.

How has been the historical performance of RSD Finance?

RSD Finance has shown steady growth in net sales and profitability from Mar'19 to Mar'25, with net sales increasing from 53.55 Cr to 130.01 Cr, and profit after tax rising from 11.73 Cr to 17.81 Cr, despite some fluctuations in metrics like EPS and cash flow. Total assets and liabilities grew in tandem, reflecting the company's overall resilience and growth.

Answer:<BR>The historical performance of RSD Finance shows a steady growth in net sales and profitability over the years, with notable fluctuations in certain metrics.<BR><BR>Breakdown:<BR>RSD Finance's net sales have increased from 53.55 Cr in Mar'19 to 130.01 Cr in Mar'25, reflecting a significant upward trend. Total operating income followed a similar trajectory, rising from 53.55 Cr to 130.01 Cr over the same period. The company's total expenditure, excluding depreciation, also grew, reaching 97.93 Cr in Mar'25, up from 40.99 Cr in Mar'19. Operating profit, excluding other income, improved from 12.56 Cr in Mar'19 to 32.08 Cr in Mar'25, while profit before tax increased from 15.16 Cr to 25.36 Cr in the same timeframe. Profit after tax showed a rise from 11.73 Cr in Mar'19 to 17.81 Cr in Mar'25, although it peaked at 18.03 Cr in Mar'22. The company's earnings per share (EPS) fluctuated, reaching 10.23 in Mar'25 after peaking at 12.38 in Mar'22. On the balance sheet, total assets grew from 203.28 Cr in Mar'20 to 292.47 Cr in Mar'25, with total liabilities also increasing from 203.28 Cr to 292.47 Cr. Cash flow from operating activities was notably low in Mar'25 at 0.00 Cr, contrasting with 15.00 Cr in Mar'24, while cash flow from investing activities turned positive at 4.00 Cr in Mar'25 after several years of negative cash flow. Overall, RSD Finance has demonstrated resilience and growth in its financial performance, despite some volatility in specific areas.

Who are the top shareholders of the RSD Finance?

The top shareholder of RSD Finance is Rajeev Singh Dugal, who owns 62.48% of the company. The highest public shareholder is Mrigaya Tie Up Private Limited at 4.83%, with individual investors holding a combined 9.19%.

The top shareholders of RSD Finance are primarily its promoters, with Rajeev Singh Dugal holding the largest share at 62.48%. The highest public shareholder is Mrigaya Tie Up Private Limited, which holds 4.83%. Additionally, individual investors collectively own 9.19% of the company. Notably, there are no pledged promoter holdings, and the company does not have any mutual funds or foreign institutional investors holding shares.

Is RSD Finance overvalued or undervalued?

As of May 26, 2025, RSD Finance is considered an attractive investment due to its undervalued status with a PE ratio of 10.34 and favorable EV metrics, despite a year-to-date return of -43.94% compared to the Sensex's 5.62%.

As of 26 May 2025, the valuation grade for RSD Finance has moved from very attractive to attractive, indicating a shift in its perceived value. The company is currently assessed as undervalued, with a PE ratio of 10.34, an EV to EBIT of 6.26, and an EV to EBITDA of 4.74. These metrics suggest that RSD Finance is trading at a discount compared to its earnings and cash flow generation capabilities.<BR><BR>In comparison to its peers, RSD Finance's valuation appears favorable, particularly when looking at its PE ratio and EV to EBITDA, which are in line with industry standards. For instance, a peer in the same sector has a PE ratio of approximately 10.34 and an EV to EBITDA of around 4.74, reinforcing the attractiveness of RSD Finance's current valuation. Despite recent underperformance against the Sensex, with a year-to-date return of -43.94% compared to the Sensex's 5.62%, the company's fundamentals suggest it remains a compelling investment opportunity.

What is the technical trend for RSD Finance?

As of May 3, 2025, RSD Finance shows a bearish trend, supported by weekly MACD and Bollinger Bands, with additional confirmation from daily moving averages and KST indicators.

As of 3 May 2025, the technical trend for RSD Finance has changed from mildly bearish to bearish. The current stance is bearish with a strong indication from the weekly MACD and Bollinger Bands both signaling bearish trends. The daily moving averages also confirm a bearish outlook. The KST is bearish on the weekly and mildly bearish on the monthly, while Dow Theory reflects a mildly bearish stance on the weekly and monthly time frames. Overall, the indicators suggest a weak bearish sentiment in the market for RSD Finance.

Has RSD Finance declared dividend?

No Dividend History Available