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RSD Finance Ltd (RSDFIN)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539875 NSE: RSDFIN Finance - NBFC | Small Cap | RSD Finance Share Price

₹75.86 1.85 (2.50%)

As on 04-Jun'26 16:59

RSD Finance Ltd (RSDFIN)

Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 539875 NSE: RSDFIN Finance - NBFC | Small Cap | RSD Finance Share Price

₹75.86 1.85 (2.50%)

As on 04-Jun'26 16:59

Key Metrics
Valuation Multiples
Market Cap
₹98 Cr.
Current Price
₹75.9
52-Week Low / High
₹72 / 123
TTM EPS
₹2.1
Book Value per Share
₹62.4
P/E Ratio
36.46
Higher than its 5-year historical median
Industry PE
25.6
Price to Book (P/B)
1.21
Lower than its 5-year historical median
EV/EBITDA
20.98
Higher than its 5-year historical median
Dividend Yield
0.00%
Profitability Efficiency
Return on Equity (ROE)
6.78%
Return on Capital Employed (ROCE)
8.78%
Return on Assets (ROA)
6.46%
Growth Momentum
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Slowing versus 3-year growth rate
-8.57%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
6.66%
Asset Quality
Gross NPA(%)
0.00%
Net NPA(%)
0.00%
TTM Sales
₹5.3 Cr.
Reserves
₹74 Cr.
Equity
₹6.5 Cr.
Face Value
₹5
All Time Low / High
₹13.70 / 300.10

RSD Finance stock performance

Key Ratios
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Quality

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Valuation

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Price Trend

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Q.1 Is RSD Finance Ltd a good quality company?
RSD Finance Ltd is a weak quality company, based on a inconsistent multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

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We have analysed the performance of the company on the following:

  • How has it performed on generating Profits?

    By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.

  • How efficiently has it grown and managed operations?

    By checking its Total Asset growth.

  • How strong is its Capital position and Asset Quality?

    By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

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How does RSD Finance Ltd performance compare with that of its Peers?
Q.1 AUM Growth of RSD Finance Ltd vs Industry Peers?
RSD Finance Ltd AUM CAGR is 8.45%, compared to the 5-year industry median CAGR of 9.68%, indicating slower growth and losing its market share.
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Q.1 Promoter shareholding and pledge status of RSD Finance Ltd?
Promoters hold 74.98% of the RSD Finance Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Q.1 Stock return of RSD Finance Ltd over the last decade?
Over the last 5 years, the stock has delivered a CAGR of 20.52% based on the current price.
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10 Year X-Ray : Login to view analysis.

Analysis of Financial Track Record (Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end)

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
RSD Finance Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Operating Income (₹ Cr.)3.86.72.83.74.13.94.65.99.68.85
YoY Gr. Rt. %-77.4%-57.8%30.8%11.4%-4.3%16.3%28.7%63%-8.6%-
Adj EPS (₹ ) 23.32.14.512.53.33.95.942.1
YoY Gr. Rt. %-64.2%-35.5%108.9%-77.3%148.5%29.5%19.7%51.4%-32.8%-
BVPS (₹ )28.231.533.53938.743.247.350.256.560.262.4
YoY Gr. Rt. %-11.6%6.6%16.2%-0.7%11.6%9.5%6.3%12.4%6.7%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)6.4106.211.32.45.86.87.610.46.50

CAGR ⓘ

9 Years 5 Years 3 Years 1 Years
Net Interest Income9.9%16.4%24.2%-8.6%
Adj EPS7.8%31.4%6.8%-32.8%
BVPS8.8%9.3%8.4%6.7%
Share Price - 16.7% -4.3% -28.4%

Key Financial Ratios

RATIOS \ YEARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%) 0000000000-
Margins
Net Profit Margin (%)69.36498156.53282.892.185.779.658.551
Performance Ratios To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)7.411.16.612.32.66.17.28116.83.3

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Income + 677856891210
Interest Income47344456109
Other Income ⓘ 0010100001
Exceptional Items ⓘ 2144123331
Expenditure ⓘ + 3242323333
Interest Expense ⓘ 0000000000
Operating Expenses ⓘ 2232222333
Provisions 0010100001
Exceptional Items ⓘ 0002000000
Profit Before Tax ⓘ 35372456107
Taxes ⓘ 0111011122
Profit After Tax 3436134585
Adjusted EPS (₹)2.03.32.14.51.02.53.33.95.94.0
Dividend Payout Ratio (%)0%0%0%0%0%0%0%0%0%0%

Valuation of RSD Finance - Standalone

YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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YTD 1Y 3Y 5Y 10Y Max
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Analyst's Notes

data not found
No data found!

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Equity and Liabilities

Equity Capital +36414350505661657378
Share Capital ⓘ 6666666666
Reserves ⓘ 30343744444955596771
Short term borrowings0000000000
Long Term Borrowings401101100-0
Current Liabilities 2224323343
Trade Payables0000000000
Other Liabilities0-00-0-0-0-0-0-0-0
Total Liabilities ⓘ 42434655545965687881

Assets

Non Current Asset +34363148403946525846
Loan Asset 0000000000
Other Non Current Asset ⓘ 34363148403946525846
Current Asset +87158132019171934
Current Investment75146131817151531
Other Current Asset1212122244
Total Assets ⓘ 42434655545965687881

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25
Cash Flow From Operating Activity ⓘ 1-0-71-50-1-4-1-3
Cash Flow From Investing Activity ⓘ -256-0410433
Cash Flow From Financing Activity ⓘ -0-30-0-0-0-0-00-0
Net Cash Flow ⓘ -01-10-01-1-02-0

Financial Ratio

PARTICULARSMar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24Mar'25

Operational & Financial Ratios
EPS (₹)46.604.308.9012.503.303.905.904
DPS (₹)0000000000
BVPS (₹)56.46367.17838.743.247.350.256.560.2

Performance Ratios

ROA (%)6.410.06.211.32.45.86.87.610.46.5
ROE (%)7.411.16.612.32.66.17.28.011.06.8
ROCE (%)8.512.88.114.83.27.48.69.713.98.8

Valuation Parameters

Price/Book(x)0.00.00.80.50.50.82.31.71.72.0

Management X-Ray

Shareholding Pattern

Promoter's Holding & Share Pledging

Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Top 5 Mutual Funds Holding

Last Visited Stocks

Announcements

RSD Finance Ltd FAQs

The current trading price of RSD Finance on 04-Jun-2026 16:59 is ₹75.86.

Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 03-Jun-2026 the market cap of RSD Finance stood at ₹98.21 Cr

The latest P/E ratio of RSD Finance as of 03-Jun-2026 is 36.46.

The latest P/B ratio of RSD Finance as of 03-Jun-2026 is 1.21.

The 52-week high of RSD Finance is ₹123.0 and the 52-week low is ₹71.50.

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of RSD Finance is ₹5.28 ( Cr.) .

Past 10 year’s financial track record analysis by Moneyworks4me indicates that RSD Finance Ltd is a below average quality company.

The key valuation ratios of RSD Finance Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of RSD Finance Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

About RSD Finance Ltd

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