RSD Finance

Who are in the management team of RSD Finance?

As of March 2018, 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. This team oversees the company's operations and governance.

As of March 2018, 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>This team is responsible for overseeing the operations and governance of the company.

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 market cap of Rs 137 Cr. As of March 2025, it reported net sales of 37 Cr and a net profit of 0 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 Ltd was incorporated on February 4, 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 2025.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 37 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 0 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 137 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 10.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.00% <BR>Debt-Equity: 0.10 <BR>Return on Equity: 6.25% <BR>Price to Book: 0.65 <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

Has RSD Finance declared dividend?

No Dividend History Available

Who are the peers of the RSD Finance?

RSD Finance's peers include Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, TruCap Finance, Baid Finserv, Indian Infotech, and Credent Global. Bajaj Finance leads in management quality and growth, while RSD Finance has average growth and a 1-year return of 9.40%.

Peers: The peers of RSD Finance are Bajaj Finance, Jio Financial, Cholaman.Inv.&Fn, Shriram Finance, Muthoot Finance, TruCap Finance, Baid Finserv, Indian Infotech, and Credent Global.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finance, Cholaman.Inv.&Fn, Muthoot Finance, while Average management risk is found at Jio Financial and Shriram Finance. Good management risk is noted at Shriram Finance, and the rest have Below Average management risk. Growth is Excellent for Jio Financial and TruCap Finance, Good for Bajaj Finance and Cholaman.Inv.&Fn, Average for RSD Finance, and the rest have Below Average growth. Capital Structure is Excellent at Bajaj Finance, Jio Financial, Muthoot Finance, Shriram Finance, TruCap Finance, and Credent Global, while Good is noted at Cholaman.Inv.&Fn, and the rest have Below Average capital structure.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Bajaj Finance at 30.45%, while the lowest is TruCap Finance at -79.46%. RSD Finance's 1-year return is 9.40%, which is higher than TruCap Finance but lower than Bajaj Finance. Additionally, the peers with negative six-month returns include TruCap Finance, Baid Finserv, Indian Infotech, and Credent Global.

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.

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.

How big is RSD Finance?

As of 24th July, RSD Finance Ltd has a market capitalization of 139.00 Cr, with Net Sales of 130.01 Cr and a Net Profit of 13.25 Cr for the latest four quarters. The company has Shareholder's Funds of 198.81 Cr and Total Assets of 275.45 Cr as of March 2024.

As of 24th July, RSD Finance Ltd has a market capitalization of 139.00 Cr, categorized as a Micro Cap company.<BR><BR>For the latest four quarters, RSD Finance reported Net Sales of 130.01 Cr and a Net Profit of 13.25 Cr.<BR><BR>As of March 2024, the company has Shareholder's Funds amounting to 198.81 Cr and Total Assets of 275.45 Cr.

When is the next results date for RSD Finance?

The next results date for RSD Finance is 13 August 2025.

The next results date for RSD Finance is scheduled for 13 August 2025.

Are RSD Finance latest results good or bad?

RSD Finance's latest results show strong profitability with a 90% increase in profit after tax, but a concerning 64.7% drop in net sales. Overall, while profit growth is positive, the significant decline in sales raises concerns about the company's performance.

RSD Finance's latest results present a mixed picture. On one hand, the company has shown significant improvement in profitability, with a profit after tax (PAT) of Rs 6.29 crore, reflecting an impressive growth of nearly 90% compared to the average PAT from the previous four quarters. The profit before tax (PBT) also increased by 23.8%, and the earnings per share (EPS) reached its highest level in five quarters at Rs 4.86, which is a positive sign for shareholders.<BR><BR>However, the company did face challenges with its net sales, which dropped to Rs 11.47 crore, a substantial decline of 64.7% compared to the previous four-quarter average. This decline in sales is concerning, as it marks the lowest net sales recorded in the last five quarters. <BR><BR>Additionally, the debt-equity ratio improved to 0.10 times, indicating a healthier balance sheet with reduced borrowing relative to equity capital.<BR><BR>In summary, while RSD Finance has made notable strides in profitability, the significant drop in net sales raises questions about its overall performance. The results can be seen as good in terms of profit growth, but the decline in sales is a critical area that needs attention.

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.

Should I buy, sell or hold RSD Finance?

Why is RSD Finance Ltd falling/rising?

As of 18-Jan, RSD Finance Ltd's stock price is at Rs 77.00, down 8.17%, reflecting a broader trend of underperformance with a 57.15% decline over the past year. The company has reported significant financial losses, contributing to a consistent downward trend in its stock price.

As of 18-Jan, RSD Finance Ltd's stock price is falling, currently at Rs 77.00, which reflects a decrease of Rs 6.85 or 8.17%. This decline is part of a broader trend, as the stock has underperformed significantly over various time frames, including a 1-month drop of 19.01% and a staggering 57.15% decline over the past year, while the benchmark Sensex has gained 8.47% during the same period.<BR><BR>Today's trading has seen the stock hit a new 52-week low of Rs 75.23, indicating a loss of 10.28% at its intraday low. The stock has also underperformed its sector by 8.42% today, and it is trading below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages. This suggests a consistent downward trend in its price.<BR><BR>Additionally, the company has reported very negative financial results, with net sales falling by 45.25% and profits decreasing by 37.1% over the past year. The weak long-term fundamental strength, highlighted by an average Return on Equity (ROE) of only 7.07%, further contributes to the stock's poor performance. Given these factors, including high volatility and a significant drop in investor confidence, RSD Finance Ltd's stock is experiencing a notable decline.

Which are the latest news on RSD Finance?