R S Software (India) Ltd

₹ 38.8 -0.49%

06 Feb - close price

rssoftware.com BSE: 517447 NSE: RSSOFTWARE

About

Incorporated in 1987, R S Software (India)
Ltd provides development, testing and maintenance of software for its clients^[1]

Key Points

Business Overview:^[1]^[2]
RSSL provides software solution to electronic payment industries. It deals in software development, maintenance, testing and software project management under client server and web-based technologies. Their major infrastructure is located in Kolkata. After discontinuance of its contract with Visa Inc., RSSL has shifted its focus from service to product/ platform development, digital payments, in-country networks. Company operates in US and India

Website BSE NSE

Market Cap ₹ 100 Cr.
Current Price ₹ 38.8
High / Low ₹ 141 / 35.0
Stock P/E
Book Value ₹ 15.3
Dividend Yield 0.64 %
ROCE 17.9 %
ROE 16.5 %
Face Value ₹ 5.00

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Pros

Cons

Stock is trading at 2.54 times its book value
Company has low interest coverage ratio.
Company might be capitalizing the interest cost

* 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

Information Technology Information Technology IT - Software Computers - Software & Consulting

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Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	8.37	12.25	11.08	10.94	19.30	18.23	18.75	17.20	12.68	8.68	7.77	6.07	5.35
	8.22	9.98	8.53	9.94	9.89	12.43	11.96	11.47	9.90	10.37	10.28	10.85	11.71
Operating Profit	0.15	2.27	2.55	1.00	9.41	5.80	6.79	5.73	2.78	-1.69	-2.51	-4.78	-6.36
OPM %	1.79%	18.53%	23.01%	9.14%	48.76%	31.82%	36.21%	33.31%	21.92%	-19.47%	-32.30%	-78.75%	-118.88%
	0.09	0.25	0.05	2.08	0.18	2.14	0.09	0.12	0.08	0.30	0.16	0.12	0.00
Interest	0.00	0.22	0.05	0.05	0.04	0.04	0.03	0.03	0.02	0.02	0.01	0.01	0.48
Depreciation	0.92	1.36	1.14	1.15	1.19	1.20	1.35	1.30	0.74	1.07	1.25	1.25	1.60
Profit before tax	-0.68	0.94	1.41	1.88	8.36	6.70	5.50	4.52	2.10	-2.48	-3.61	-5.92	-8.44
Tax %	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	7.64%	-9.29%	0.00%	0.00%	0.00%	0.00%	0.00%
	-0.68	0.94	1.41	1.88	8.37	6.71	5.09	4.94	2.10	-2.48	-3.61	-5.92	-8.44
EPS in Rs	-0.21	0.40	0.58	0.76	3.06	2.64	1.79	1.94	0.62	-0.95	-1.40	-2.29	-3.26
Raw PDF

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
	382	376	190	76	63	65	60	35	28	30	60	57	28
	305	283	186	111	108	103	97	53	40	35	41	44	43
Operating Profit	77	93	4	-35	-45	-37	-37	-18	-12	-5	19	14	-15
OPM %	20%	25%	2%	-46%	-71%	-57%	-61%	-50%	-44%	-16%	32%	24%	-55%
	7	12	15	12	9	6	12	2	4	1	4	1	1
Interest	1	0	0	0	0	1	17	1	0	0	0	0	1
Depreciation	5	6	4	4	2	3	4	5	4	4	5	4	5
Profit before tax	77	99	14	-27	-39	-35	-45	-21	-12	-9	18	10	-20
Tax %	31%	32%	26%	-37%	-30%	-18%	64%	0%	31%	0%	0%	0%
	54	67	11	-17	-26	-28	-74	-21	-16	-9	18	10	-20
EPS in Rs	20.93	26.22	4.13	-6.35	-10.04	-10.56	-27.99	-7.80	-5.89	-3.17	7.04	3.38	-7.90
Dividend Payout %	14%	12%	24%	0%	0%	0%	0%	0%	0%	0%	0%	0%

Compounded Sales Growth
10 Years:	-17%
5 Years:	-1%
3 Years:	28%
TTM:	-58%

Compounded Profit Growth
10 Years:	-18%
5 Years:	16%
3 Years:	37%
TTM:	-214%

Stock Price CAGR
10 Years:	-5%
5 Years:	9%
3 Years:	16%
1 Year:	-71%

Return on Equity
10 Years:	-15%
5 Years:	-8%
3 Years:	14%
Last Year:	16%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Sep 2025
Equity Capital	13	13	13	13	13	13	13	13	13	13	13	13	13
Reserves	163	211	216	201	175	146	64	43	26	18	36	44	35
	0	0	0	1	0	0	0	8	0	2	2	1	0
	26	20	26	16	16	17	11	8	9	10	18	15	16
Total Liabilities	201	244	255	231	203	176	89	72	48	43	68	73	64
	18	12	9	8	13	12	20	15	10	10	6	10	14
CWIP	1	1	1	6	0	6	0	0	0	0	4	3	0
Investments	54	66	70	101	64	45	18	5	8	1	0	0	0
	129	165	175	116	126	112	51	52	29	32	58	60	50
Total Assets	201	244	255	231	203	176	89	72	48	43	68	73	64

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	53	61	19	-39	-37	-30	-41	-15	9	-10	16	8
	-33	-10	10	-23	43	17	34	15	-2	6	-0	-8
	-6	-11	-4	-3	-0	-1	-3	-1	-8	0	0	-0
Net Cash Flow	14	40	24	-64	7	-14	-9	-1	-1	-3	16	0

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Debtor Days	45	46	34	67	58	34	35	106	51	11	69	30
Inventory Days				0		0		0	0
Days Payable
Cash Conversion Cycle	45	46	34	67	58	34	35	106	51	11	69	30
Working Capital Days	31	44	20	96	89	102	134	250	100	134	94	146
ROCE %	51%	49%	3%	-15%	-22%	-21%	-27%	-31%	-23%	-24%	44%	18%

Shareholding Pattern

Numbers in percentages

	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025
	40.67%	40.67%	40.67%	40.67%	40.67%	40.67%	40.67%	40.50%	40.50%	40.70%	40.88%	40.88%
	1.95%	1.95%	1.95%	1.95%	0.99%	1.04%	3.22%	3.30%	1.24%	0.91%	0.77%	0.83%
	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.41%	0.06%	0.05%	0.05%	0.05%	0.05%
	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	57.31%	57.33%	57.31%	57.31%	58.28%	58.22%	55.67%	56.14%	58.20%	58.33%	58.28%	58.21%
No. of Shareholders	26,427	25,377	23,811	22,933	21,555	21,988	24,478	25,047	26,129	25,787	25,384	25,422

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Dec 2025
	40.46%	40.46%	40.46%	40.67%	40.67%	40.67%	40.67%	40.67%	40.50%	40.88%
	2.70%	1.63%	1.10%	1.85%	1.95%	2.21%	1.95%	0.99%	1.24%	0.83%
	0.62%	0.51%	0.06%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%	0.05%
	0.02%	0.02%	0.02%	0.02%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
	51.73%	52.91%	53.89%	57.41%	57.32%	57.06%	57.31%	58.28%	58.20%	58.21%
	4.47%	4.47%	4.47%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
No. of Shareholders	28,300	26,049	24,516	22,762	24,416	27,837	26,427	21,555	26,129	25,422

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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