RSD Finance Ltd.

•

rsdfinancelimited.comBSE: 539875NSE: RSDFIN

Market Cap₹ 129 Cr.

Current Price

High / Low₹ 168 / 66

Stock P/E31.7

Book Value₹ 65

Price to Book2.04

Dividend Yield0.00 %

ROCE8.8 %

ROE6.8 %

Face Value₹ 5

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ABOUT

KEY POINTS

Revenue Breakup Mar 2025 • Finance: 89.2% • Job Work: 10.8%

AI Sector View

AI GENERATED

Financial Services

Buy

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.

Confidence

84%

View full sector analysis →

PROS

Company has delivered good profit growth of 31.3% CAGR over last 5 years
Solid return on assets for a lender - ROA of 6.5%
Asset quality is healthy - gross NPA of just 0.0%
Latest quarter profit grew 80.2% YoY, showing strong momentum
Company has delivered good sales growth of 16.4% CAGR over last 5 years

CONS

Capital adequacy is tight at 0.0% - limited headroom to grow
Recent results are weak - TTM profit is down 28.3% versus prior year
Company has a low return on equity of 8.6% over last 3 years
Company has a low return on capital employed of 10.8%
Operating margins have contracted to 64.2% from 113.0%
Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - NBFC

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name
1.	BAJFINANCE	1045.10	32.05	650674.48	0.57	6080.60	27.60	23165.45	20.37	10.87	70.70
2.	SHRIRAMFIN	1049.00	21.81	246827.97	1.03	3452.77	59.90	13400.43	17.46	11.49	74.63
3.	CHOLAFIN	1858.00	27.59	158685.46	0.11	1656.22	45.56	8856.29	21.89	9.70	70.07
4.	TATACAP	371.70	29.20	157781.78	0.15	16281.80	1464.16	88219.30	1051.00	8.66	75.72
5.	JIOFIN	237.70	75.95	156956.68	0.25	830.25	155.73	2004.47	227.28	2.11	69.71
6.	BAJAJHLDNG	11150.00	14.01	124092.26	1.75	2708.08	-92.27	394.33	23.34	14.81	684.72
7.	MUTHOOTFIN	2935.00	10.36	117831.00	1.02	2824.84	43.08	8671.60	36.25	15.87	83.76
8.	ABCAPITAL	399.10	26.62	109254.11	0.00	1223.85	43.85	12179.54	137.84	8.82	41.91
9.	LTF	315.00	24.81	78950.11	0.87	915.99	30.70	5212.92	22.38	8.54	62.13
10.	SBICARD	657.00	27.48	62522.95	0.38	664.44	19.51	5040.55	7.60	11.75	29.83
11.	HDBFS	692.90	26.45	57563.70	0.58	785.20	38.31	4937.90	18.71	9.09	57.98
12.	RSDFIN	99.50	10.23	128.82	0.00	6.99	-10.87	11.72	2.20	12.86	53.68

Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

	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
	2	2	3	2	2	3	2	2	2	1	2	0	3
	1	1	1	1	1	1	1	0	1	1	1	1	1
Operating Profit	2	1	2	1	1	2	1	2	1	1	1	-1	3
OPM %	75.64%	69.11%	80.14%	62.08%	66.99%	78.75%	65.38%	89.72%	69.00%	44.54%	60.85%	-300.00%	82.92%
Other Income	0	1	0	1	1	1	-1	0	1	1	0	0	1
Interest	0	0	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0	0	0
	2	2	3	3	2	3	-0	2	2	1	1	-0	4
Tax %	19.81%	20.30%	19.64%	24.73%	21.33%	20.57%	37.93%	30.50%	22.73%	32.48%	21.21%	-88.64%	14.89%
Net Profit	2	2	2	2	2	2	-0	1	2	1	1	-1	3
	2	1	2	1	1	2	-1	1	2	0	1	-1	0

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	4	7	3	4	4	4	5	6	10	9	6
	2	2	3	2	3	2	3	3	3	3	3
Operating Profit	1	5	-1	2	1	2	2	3	7	6	4
OPM %	37.17%	68.80%	-18.14%	40.96%	23.44%	45.90%	43.82%	57.11%	72.37%	64.17%	55.52%
	2	1	4	6	1	2	3	3	3	1	3
Interest	0	0	0	0	0	0	0	0	0	0	0
Depreciation	0	0	0	0	0	0	0	0	0	0	0
Profit before Tax	3	5	3	7	2	4	5	6	10	7	6
Tax %	9.92%	17.88%	19.05%	18.15%	18.39%	17.76%	17.04%	18.38%	21.17%	22.93%	28.07%
Net Profit	3	4	3	6	1	3	4	5	8	5	4
EPS	0.00	0.00	0.00	0.00	0.00	4.34	4.08	2.98	5.89	3.96	—
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:: 14%
5 Years:: 16%
3 Years:: 24%

COMPOUNDED PROFIT GROWTH

10 Years:: 9%
5 Years:: 31%
3 Years:: 7%

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: —

RETURN ON EQUITY

10 Years:: 8%
5 Years:: 8%
3 Years:: 9%
Last Year:: 7%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	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
	30	34	37	44	44	49	55	59	67	71
	4	0	1	1	1	1	0	0	0	0
	2	2	2	4	3	2	3	3	4	3
Total Liabilities	42	43	46	55	54	59	65	68	78	81
	1	2	2	13	9	1	1	1	1	1
	34	30	38	36	44	51	55	54	61	65
Cash & Bank	0	1	0	1	0	1	1	1	2	2
	7	10	6	7	1	6	8	13	13	13
Total Assets	42	43	46	55	54	59	65	68	78	81

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	2	-0	-6	1	-3	1	-0	-3	-1	-3
Cash from Investing	-2	5	6	-0	4	1	0	4	3	3
Cash from Financing	-0	-3	0	-0	-0	-0	-0	-0	0	-0
	-0	1	-1	0	-0	1	-1	-0	2	-0

Ratios

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
PER SHARE
EPS (₹)	4.02	6.59	4.26	8.89	1.01	2.51	3.25	3.89	5.89	3.96
Book Value (₹)	56.38	62.95	67.08	77.95	38.69	43.18	47.26	50.24	56.46	60.22
Dividend per Share (₹)	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Cash EPS (₹)	2.11	3.38	2.28	4.56	1.10	2.58	3.31	3.94	5.93	4.00
PROFITABILITY
Operating Margin %	91.28%	80.19%	129.55%	151.02%	42.34%	103.26%	112.99%	106.09%	72.37%	64.17%
Net Margin %	69.30%	64.03%	98.01%	156.49%	32.04%	82.84%	92.14%	85.70%	79.62%	58.53%
ROE %	7.40%	11.05%	6.55%	12.26%	2.61%	6.13%	7.18%	7.97%	11.03%	6.78%
ROCE %	8.46%	12.83%	8.08%	14.83%	3.18%	7.39%	8.59%	9.70%	13.92%	8.78%
	6.39%	10.01%	6.16%	11.33%	2.41%	5.76%	6.79%	7.56%	10.44%	6.46%
EFFICIENCY
Debtor Days	9	4	17	21	16	13	13	10	5	6
Inventory Days	0	0	0	0	0	0	0	0	0	0
Payable Days	0	0	0	0	0	0	0	0	0	153
	9	4	17	21	16	13	13	10	5	-146
FINANCIAL HEALTH
Debt to Equity (x)	0.11x	0.01x	0.01x	0.01x	0.01x	0.01x	0.01x	0.01x	0.01x	0.00x
Interest Coverage (x)	7.95x	120.05x	83.95x	341.33x	159.26x	646.10x	1430.21x	7707.25x	0.00x	8309.50x
	4.43x	3.88x	6.39x	1.95x	3.91x	8.07x	6.66x	5.42x	4.70x	11.70x
GROWTH
Revenue Growth %	58.02%	77.40%	-57.80%	30.75%	11.40%	-4.27%	16.35%	28.68%	63.03%	-8.58%
Operating Profit Growth %	23.12%	55.83%	-31.81%	52.41%	-68.77%	133.46%	27.31%	20.81%	56.20%	-31.13%
Net Profit Growth %	22.06%	63.90%	-35.40%	108.77%	-77.19%	147.50%	29.42%	19.67%	51.47%	-32.79%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	51.47%	-32.79%
VALUATION
P/E (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	16.64x	31.06x
P/B (x)	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	1.73x	2.04x
Dividend Yield %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	0.00x	12.86x	23.49x

Shareholding Pattern

Numbers in percentages

	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	74.98	74.98	74.98	74.98	74.98	74.98	74.98	74.98	74.98
FIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
DIIs	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	25.02	25.02	25.02	25.02	25.02	25.02	25.02	25.02	25.02

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

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