RSD Finance

Why is RSD Finance Ltd falling/rising?

As of 01-Sep, RSD Finance Ltd's stock price is declining, currently at 97.05, reflecting a 4.85% decrease. This trend is part of a broader decline, with the stock underperforming its sector and showing significant drops in sales and profits, raising concerns about its long-term growth prospects.

As of 01-Sep, RSD Finance Ltd's stock price is falling, currently at 97.05, which reflects a decrease of 4.95 (-4.85%). This decline is part of a broader trend, as the stock has been losing value for the last four consecutive days, resulting in a total drop of 14.23% during this period. The stock opened today with a significant loss of 4.9% and reached an intraday low of Rs 96.9, indicating persistent selling pressure.<BR><BR>In terms of performance relative to the market, RSD Finance Ltd has underperformed its sector by 3.39% today. Over the past week, the stock has decreased by 9.97%, while the benchmark Sensex has only fallen by 0.92%. Additionally, the stock has shown a negative return of 12.47% over the past month, compared to a modest decline of 1.47% in the Sensex.<BR><BR>The company's financial fundamentals also contribute to the stock's decline. Despite a year-to-date gain of 15.89%, the stock's profits have fallen by 11.3% over the past year, and net sales have decreased significantly, with a growth rate of -64.09% in the latest six months. This poor performance in sales and profits raises concerns about the company's long-term growth prospects, reflected in a weak long-term fundamental strength with an average Return on Equity (ROE) of 6.87%.<BR><BR>Overall, the combination of recent price declines, poor sales growth, and negative investor sentiment has led to the falling stock price of RSD Finance Ltd.

Which are the latest news on RSD Finance?

Who are in the management team of RSD Finance?

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

The management team of RSD Finance includes the following individuals:<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!

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 INR 126 Cr and a net profit of 6 Cr as of June 2026.

Overview: <BR>RSD Finance Ltd is a Non-Banking Financial Company (NBFC) operating in the micro-cap segment, 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, and is registered with the RBI as a Non-Banking Financing Company. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot: <BR>Net Sales: 12 Cr (Quarterly Results - Jun 2026) <BR>Net Profit: 6 Cr (Quarterly Results - Jun 2026) <BR>Market Cap: INR 126 Cr (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: 10.00 <BR>Industry P/E: 21 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 0.01 <BR>Return on Equity: 5.86% <BR>Price to Book: 0.60 <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

Who are the peers of the RSD Finance?

RSD Finance's peers include Upsurge Invest., Reliable Data, Keynote Finance, Raama Finance, Apollo Finvest, J A Finance, Vibrant Global Capital, Sonal Mercantile, and Beacon Trust. In terms of management risk, RSD Finance has below average risk, with Raama Finance showing excellent growth and the highest 1-year return among peers at 197.32%.

Peers: The peers of RSD Finance are Upsurge Invest., Reliable Data, Keynote Finan., Raama Finance, Apollo Finvest, J A Finance, Vibrant Glo. Cap, Sonal Mercantile, and Beacon Trust.<BR><BR>Quality Snapshot: Excellent management risk is observed at Raama Finance, Apollo Finvest, J A Finance, Vibrant Glo. Cap, and Beacon Trust, while Average management risk is found at Upsurge Invest., Reliable Data, Keynote Finan., and Sonal Mercantile. Below Average management risk is noted at RSD Finance and IBL Finance. In terms of Growth, Excellent growth is seen at Raama Finance and IBL Finance, while Average growth is found at Reliable Data, Apollo Finvest, and Sonal Mercantile. Below Average growth is noted at Upsurge Invest., Keynote Finan., J A Finance, RSD Finance, and Vibrant Glo. Cap. For Capital Structure, Excellent capital structure is present at Upsurge Invest., Keynote Finan., Raama Finance, Apollo Finvest, J A Finance, Vibrant Glo. Cap, Sonal Mercantile, RSD Finance, and Beacon Trust.<BR><BR>Return Snapshot: Raama Finance has the highest 1-year return at 197.32%, while Upsurge Invest. has the lowest at -32.49%. RSD Finance's 1-year return of -0.34% is better than Upsurge Invest.'s but worse than Raama Finance's. Additionally, the peers with negative six-month returns include Upsurge Invest., Apollo Finvest, Sonal Mercantile, and IBL Finance.

How big is RSD Finance?

As of 31st August, RSD Finance Ltd has a market capitalization of 126.00 Cr, with Net Sales of 37.83 Cr and a Net Profit of 12.59 Cr reported in the latest four quarters. Shareholder's Funds are 211.90 Cr and Total Assets amount to 292.47 Cr as of March 2025.

As of 31st August, RSD Finance Ltd has a market capitalization of 126.00 Cr, categorizing it as a Micro Cap company.<BR><BR>In the latest four quarters, RSD Finance reported Net Sales of 37.83 Cr and a Net Profit of 12.59 Cr.<BR><BR>The latest annual period for the balance sheet is March 2025, with Shareholder's Funds amounting to 211.90 Cr and Total Assets of 292.47 Cr.

Should I buy, sell or hold RSD Finance Ltd?

When is the next results date for RSD Finance Ltd?

The next results date for RSD Finance Ltd is 11 August 2026.

The next results date for RSD Finance Ltd is scheduled for 11 August 2026.

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.

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