RSD Finance Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2025 • Heat Treatment: 66.6% • Hotel Business: 20.1% • Investment & Finance: 12.6%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Solid return on assets for a lender - ROA of 6.5%
- Asset quality is healthy - gross NPA of just 0.0%
- Company has consistently been profitable over the last 5 years
- Company generates healthy free cash flow
CONS
- Capital adequacy is tight at 0.0% - limited headroom to grow
- Recent results are weak - TTM profit is down 16.2% versus prior year
- Company has a low return on equity of 8.3% over last 3 years
- Company has a low return on capital employed of 11.1%
- Operating margins have contracted to 24.3% from 39.8%
- Thin net interest margin of 0.0%
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1055.00 | 32.35 | 656838.18 | 0.57 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1029.95 | 21.41 | 242345.54 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| TATACAP | 367.80 | 28.89 | 156126.28 | 0.15 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| CHOLAFIN | 1824.90 | 27.10 | 155858.50 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| JIOFIN | 233.50 | 74.61 | 154183.36 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11055.60 | 13.89 | 123041.65 | 1.76 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2896.70 | 10.23 | 116293.37 | 1.04 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 396.20 | 26.43 | 108461.67 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 308.50 | 24.30 | 77320.98 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 668.55 | 27.96 | 63622.10 | 0.37 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 682.70 | 26.07 | 56716.32 | 0.59 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| RSDFIN | 95.45 | 9.81 | 123.57 | 0.00 | 6.99 | -10.87 | 11.72 | 2.20 | 12.86 | 53.68 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 25 | 19 | 28 | 31 | 33 | 29 | 31 | 37 | 11 | 6 | 14 | 6 | 12 | |
| 18 | 16 | 19 | 23 | 23 | 22 | 23 | 30 | 5 | 5 | 7 | 6 | 6 | |
| Operating Profit | 7 | 3 | 9 | 8 | 9 | 8 | 9 | 6 | 7 | 1 | 8 | -0 | 6 |
| OPM % | 27.94% | 14.49% | 32.82% | 26.21% | 29.09% | 25.92% | 27.37% | 17.49% | 57.89% | 22.93% | 53.61% | -4.66% | 53.68% |
| Other Income | 1 | 2 | 1 | 3 | 2 | 2 | 0 | 1 | 3 | 2 | 2 | 0 | 3 |
| Interest | 1 | 1 | 1 | 1 | 1 | 0 | 1 | 2 | 0 | 0 | 0 | 0 | 0 |
| Depreciation | 3 | 2 | 3 | 3 | 2 | 2 | 2 | 2 | 0 | 1 | 0 | 0 | 0 |
| 4 | 3 | 7 | 8 | 9 | 7 | 6 | 3 | 9 | 3 | 9 | -0 | 8 | |
| Tax % | 22.71% | 9.64% | 22.35% | 21.18% | 23.26% | 22.58% | 28.15% | 70.71% | 15.79% | 10.97% | 8.63% | -840.00% | 17.49% |
| Net Profit | 0 | 0 | 0 | 0 | 7 | 6 | 4 | 1 | 8 | 3 | 8 | -3 | 7 |
| 4 | 2 | 5 | 4 | 7 | 5 | 2 | 1 | 6 | 2 | 7 | -3 | 1 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 41 | 39 | 38 | 54 | 68 | 51 | 93 | 92 | 103 | 130 | 38 | |
| 28 | 25 | 32 | 41 | 53 | 39 | 61 | 66 | 76 | 98 | 23 | |
| Operating Profit | 12 | 14 | 6 | 13 | 15 | 12 | 32 | 26 | 27 | 32 | 15 |
| OPM % | 30.43% | 35.16% | 16.41% | 24.45% | 22.38% | 23.15% | 34.46% | 28.34% | 26.58% | 24.29% | 38.91% |
| 6 | 4 | 10 | 10 | 5 | 5 | 5 | 6 | 8 | 6 | 7 | |
| Interest | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 4 | 0 |
| Depreciation | 3 | 3 | 7 | 6 | 5 | 5 | 11 | 13 | 11 | 8 | 2 |
| Profit before Tax | 14 | 14 | 7 | 15 | 13 | 10 | 24 | 16 | 22 | 25 | 20 |
| Tax % | 22.40% | 22.14% | 24.43% | 22.56% | 17.79% | 16.85% | 24.84% | 19.84% | 20.38% | 29.76% | 27.46% |
| Net Profit | 11 | 11 | 5 | 11 | 11 | 8 | 18 | 13 | 17 | 18 | 15 |
| EPS | 0.00 | 0.00 | 0.00 | 0.00 | 4.37 | 8.29 | 14.81 | 8.01 | 12.57 | 10.34 | — |
| Dividend Payout % | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 17%
- 5 Years:
- 14%
- 3 Years:
- 12%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 11%
- 5 Years:
- 19%
- 3 Years:
- -11%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- —
- 1 Year:
- —
RETURN ON EQUITY
- 10 Years:
- 8%
- 5 Years:
- 8%
- 3 Years:
- 8%
- Last Year:
- 9%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 |
| Minority Interest | 14 | 15 | 15 | 17 | 20 | 21 | 24 | 28 | 33 | 37 |
| 107 | 116 | 121 | 133 | 139 | 150 | 169 | 177 | 192 | 205 | |
| 23 | 22 | 20 | 17 | 21 | 20 | 33 | 34 | 26 | 21 | |
| Trade Payables | 2 | 2 | 1 | 5 | 5 | 7 | 7 | 8 | 6 | 8 |
| 9 | 8 | 9 | 8 | 12 | 10 | 13 | 9 | 12 | 14 | |
| Total Liabilities | 161 | 170 | 172 | 188 | 203 | 214 | 252 | 263 | 275 | 292 |
| 29 | 27 | 54 | 60 | 52 | 41 | 54 | 70 | 63 | 56 | |
| Capital Work in Progress | 0 | 24 | 1 | 1 | 6 | 16 | 0 | 0 | 0 | 8 |
| 106 | 96 | 102 | 105 | 126 | 140 | 161 | 151 | 170 | 173 | |
| 2 | 1 | 1 | 2 | 4 | 3 | 7 | 11 | 15 | 19 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 4 | |
| Cash & Bank | 6 | 3 | 1 | 3 | 2 | 3 | 8 | 6 | 7 | 6 |
| 19 | 18 | 13 | 17 | 14 | 12 | 21 | 25 | 18 | 27 | |
| Total Assets | 161 | 170 | 172 | 188 | 203 | 214 | 252 | 263 | 275 | 292 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| 12 | -14 | -5 | 7 | 8 | 18 | 7 | 12 | 15 | -0 | |
| Cash from Investing | -32 | 12 | 4 | 0 | -9 | -13 | -13 | -12 | -6 | 5 |
| Cash from Financing | 26 | 1 | 2 | -3 | 4 | -1 | 13 | 4 | -8 | -6 |
| 5 | -3 | -2 | 2 | -2 | 1 | 5 | -2 | 1 | -1 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
No announcements filed.
News
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