RSD Finance Ltd

₹ 86.0 4.89%

23 Oct - close price

rsdfinancelimited.com BSE: 539875 NSE: RSDFIN

About

Incorporated in 1963, RSD Finance Ltd is engaged in fund based activities^[1]

Key Points

Business Overview:^[1]
RSD Finance Limited is a Jamshedpur-
based, RBI-registered, non-deposit-taking
and non-systemically important NBFC. The parent invests and lends money and also undertakes job-work and manufacturing services; through subsidiaries, it operates
The Alcor Hotel and an investment and solar-power business.

Website BSE NSE - BE

Market Cap ₹ 111 Cr.
Current Price ₹ 86.0
High / Low ₹ 168 / 65.6
Stock P/E 27.4
Book Value ₹ 62.4
Dividend Yield 0.00 %
ROCE 5.22 %
ROE 3.19 %
Face Value ₹ 5.00

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Pros

Company is almost debt free.

Cons

Though the company is reporting repeated profits, it is not paying out dividend
The company has delivered a poor sales growth of 3.12% over past five years.
Company has a low return on equity of 6.81% over last 3 years.
Earnings include an other income of Rs.2.56 Cr.
Working capital days have increased from -8.55 days to 73.5 days

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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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
	2.34	1.91	2.92	2.40	2.06	2.73	1.82	2.14	2.00	1.19	1.89	0.20	3.04
Interest	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.01	0.02	0.02
	0.57	0.60	0.58	0.91	0.68	0.57	0.63	0.22	0.62	0.67	0.74	0.80	0.52
Financing Profit	1.77	1.31	2.34	1.49	1.38	2.16	1.19	1.92	1.38	0.52	1.14	-0.62	2.50
Financing Margin %	75.64%	68.59%	80.14%	62.08%	66.99%	79.12%	65.38%	89.72%	69.00%	43.70%	60.32%	-310.00%	82.24%
	0.31	0.67	0.47	1.36	0.74	0.68	-1.47	0.09	0.83	0.83	0.28	0.28	1.17
Depreciation	0.01	0.02	0.01	0.02	0.01	0.01	0.01	0.01	0.01	0.19	0.10	0.10	0.07
Profit before tax	2.07	1.96	2.80	2.83	2.11	2.83	-0.29	2.00	2.20	1.16	1.32	-0.44	3.60
Tax %	19.81%	20.41%	19.29%	24.73%	21.33%	20.49%	-37.93%	30.50%	22.73%	32.76%	21.97%	88.64%	14.72%
	1.66	1.57	2.26	2.13	1.67	2.24	-0.18	1.40	1.70	0.79	1.04	-0.83	3.06
EPS in Rs	1.28	1.21	1.75	1.65	1.29	1.73	-0.14	1.08	1.31	0.61	0.80	-0.64	2.36
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	4.36	5.59	7.40	6.77	6.77	3.91	6.09	7.55	8.57	12.17	8.35	7.10	6.32
Interest	0.20	0.42	0.04	0.04	0.02	0.01	0.01	0.00	0.00	0.00	0.03	0.04	0.05
	1.58	2.36	2.08	3.33	1.36	2.32	2.12	2.57	2.52	2.65	2.07	2.82	2.73
Financing Profit	2.58	2.81	5.28	3.40	5.39	1.58	3.96	4.98	6.05	9.52	6.25	4.24	3.54
Financing Margin %	59.17%	50.27%	71.35%	50.22%	79.62%	40.41%	65.02%	65.96%	70.60%	78.23%	74.85%	59.72%	56.01%
	0.01	0.20	0.02	0.20	1.79	0.14	0.08	0.17	0.18	0.21	0.45	0.40	2.56
Depreciation	0.21	0.12	0.10	0.20	0.15	0.12	0.09	0.08	0.06	0.06	0.05	0.40	0.46
Profit before tax	2.38	2.89	5.20	3.40	7.03	1.60	3.95	5.07	6.17	9.67	6.65	4.24	5.64
Tax %	10.08%	9.69%	17.88%	19.12%	18.21%	18.12%	17.72%	16.96%	18.48%	21.20%	23.01%	36.32%
	2.13	2.60	4.27	2.76	5.75	1.31	3.25	4.20	5.03	7.62	5.12	2.69	4.06
EPS in Rs	1.65	2.02	3.31	2.14	4.46	1.01	2.51	3.24	3.89	5.89	3.95	2.08	3.13
Dividend Payout %	0.00%	0.00%	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:	2%
5 Years:	3%
3 Years:	-6%
TTM:	-27%

Compounded Profit Growth
10 Years:	0%
5 Years:	-5%
3 Years:	-20%
TTM:	-21%

Stock Price CAGR
10 Years:	%
5 Years:	10%
3 Years:	3%
1 Year:	-20%

Return on Equity
10 Years:	7%
5 Years:	7%
3 Years:	7%
Last Year:	3%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	6.47	6.47	6.47	6.47	6.47	6.47	6.47	6.47	6.47	6.47	6.47	6.47
Reserves	27.40	30.02	34.27	36.95	43.99	43.62	49.43	54.71	58.56	66.63	71.49	74.37
Borrowing	3.93	3.87	0.54	0.65	0.60	0.56	0.53	0.48	0.40	0.40	0.00	0.92
	1.66	1.77	1.87	2.29	4.22	3.43	2.57	3.13	3.09	4.16	2.93	2.81
Total Liabilities	39.46	42.13	43.15	46.36	55.28	54.08	59.00	64.79	68.52	77.66	80.89	84.57
	1.20	1.11	1.59	1.65	12.50	8.72	1.29	1.19	1.13	1.10	1.05	1.81
CWIP	0.02	0.06	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Investments	36.27	33.58	30.16	38.00	35.57	44.15	50.64	55.12	54.17	61.09	65.05	63.91
	1.97	7.38	11.40	6.71	7.21	1.21	7.07	8.48	13.22	15.47	14.79	18.85
Total Assets	39.46	42.13	43.15	46.36	55.28	54.08	59.00	64.79	68.52	77.66	80.89	84.57

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-1.78	1.45	-0.46	-7.33	0.70	-4.78	0.37	-0.93	-3.81	-1.48	-2.67	-6.99
	-1.81	-1.77	4.77	6.44	-0.45	4.45	0.71	0.44	3.70	3.01	2.75	5.40
	3.05	-0.03	-3.33	0.11	-0.04	-0.04	-0.04	-0.04	-0.09	0.00	-0.40	0.92
Net Cash Flow	-0.53	-0.35	0.98	-0.78	0.21	-0.36	1.05	-0.53	-0.20	1.54	-0.32	-0.67
Free Cash Flow	-1.81	1.39	-0.99	-7.33	-10.30	-1.11	7.71	-0.93	-3.81	-1.48	-2.67	-6.99

Ratios

Standalone / View Consolidated

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	6.47%	7.39%	11.06%	6.37%	9.39%	2.61%	6.13%	7.14%	7.97%	11.02%	6.78%	3.19%

Insights

In beta

Mar 2016

Mar 2017

Mar 2018

Mar 2019

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Mar 2026

Number of Employees
Count

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	x,xxx.xx	x,xxx.xx	xxx.xx	xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx
	x,xxx.xx	xxx.xx	xxx.xx	xx.xx	xx.xx	xx.xx	xxx.xx	xxx.xx	xx.xx	xxx.xx
xxx.xx	xxx.xx	xxx.xx	xxx.xx	xx.xx	xxx.xx	xxx.xx	x,xxx.xx	x,xxx.xx
x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx	x,xxx.xx
					xxx.xx	xxx.xx	xxx.xx	xxx.xx

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Hotel Business Segment Revenue
Rs. Lakhs

Investment & Financial Segment Revenue
Rs. Lakhs

Job Work Segment Revenue
Rs. Lakhs

Loan Book (Loans and Advances)
Rs. Lakhs

Total Investment Portfolio
Rs. Lakhs

CRAR (Capital to Risk Weighted Assets Ratio)
%

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Sep 2026
	74.98%	74.98%	74.98%	74.98%	74.98%	74.98%	74.98%	74.98%	74.98%	74.98%	74.98%	74.98%
	25.02%	25.01%	25.03%	25.02%	25.02%	25.02%	25.03%	25.01%	25.02%	25.02%	25.02%	25.01%
No. of Shareholders	995	1,100	1,086	1,273	1,423	1,411	1,512	1,477	1,481	1,507	1,554	1,749

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Sep 2026
	74.92%	74.92%	74.92%	74.92%	74.95%	74.98%	74.98%	74.98%	74.98%	74.98%	74.98%
	25.08%	25.08%	25.08%	25.08%	25.05%	25.02%	25.02%	25.01%	25.02%	25.02%	25.01%
No. of Shareholders	740	814	813	800	828	927	969	1,100	1,411	1,507	1,749

Documents

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RSD Finance Ltd

RSD Finance Ltd

Peer comparison

Quarterly Results

Profit & Loss

Balance Sheet

Cash Flows

Ratios

Insights

Shareholding Pattern

Documents

Announcements

Annual reports