RSD Finance

Why is RSD Finance Ltd falling/rising?

As of 10-Jun, RSD Finance Ltd's stock price is at 81.00, down 0.94%, and significantly underperforming its sector. The stock shows a consistent downward trend with declines in both short-term and long-term performance, alongside low investor participation.

As of 10-Jun, RSD Finance Ltd's stock price is currently at 81.00, reflecting a decrease of 0.77, or 0.94%. The stock has shown a negative performance today, underperforming its sector significantly by 98.47%. Additionally, the stock has not traded on one day out of the last 20 days, indicating erratic trading behavior. <BR><BR>When examining the moving averages, RSD Finance is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, which typically suggests a bearish trend. Furthermore, there has been a notable decline in investor participation, with delivery volume on June 9 falling by 73.3% compared to the 5-day average. <BR><BR>In terms of longer-term performance, the stock has declined by 5.81% over the past month and 22.64% over the past year, while the year-to-date performance shows a decrease of 3.27%. These figures indicate a consistent downward trend, contributing to the current decline in stock price. Overall, the combination of poor trading performance, low investor participation, and negative price movements across various time frames explains why RSD Finance Ltd's stock is falling.

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

Which are the latest news on RSD Finance?

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.

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.

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.

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.

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.