Fin Cascade
Get Android appGet iOS app

Prices as of 9 Oct 2026 close · Not investment advice

RSD Finance Limited

NSE: RSDFINNon Banking Financial Company (NBFC)Trade-to-trade true

Share price

₹86.78

-3.58% close of 9 Oct 2026

Market cap ₹104 CrP/E 8.3

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 8 Oct 2026, the close above is 9 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

52

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹104 Cr

P/E ratio

8.3

P/B ratio

0.5

ROCE

8.0%

ROE

6.0%

Dividend yield

0.0%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 9 Oct 2026 close52-week high ₹160.4652-week low ₹72.30

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Our sales figures for this company step down at Jun 2025 and we hold nothing that says why, so we cannot honestly quote a growth rate across it.

Whether it grew faster than its sector

Our sales figures for this company step down at Jun 2025 and we hold nothing that says why, so there is no honest growth rate of its own to set against its sector.

Room to re-rate, or risk of de-rating

At 8.3× earnings against a market that pays 24.1× across 2199 companies we can price. Its own industry sits at 14.3×, across 5 companies. It is against its own five-year median of 9.0×, the 32nd percentile of its own range.

Whether growth justifies the valuation

Priced at 1.7 times its growth rate, on earnings growth of 5%.

Profit growthPrice per ₹1 profitPer 1% growth
RSD Finance Limited — this one5%/yr8.3×₹1.7
SBFC Finance Limited44%/yr19.4×₹0.44
Paisalo Digital Limited35%/yr29.2×₹0.83
Bengal & Assam Company Limited-5%/yr8.5×—
Fedbank Financial Services Limited22%/yr14.3×₹0.65
MAS Financial Services Limited23%/yr12.2×₹0.53

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Non Banking Financial Company (NBFC)), it ranks 47 of 73 on returns, 48 of 68 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 6.0% on capital, ahead of 36% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Announced 11 Aug 2026 · Consolidated · Unaudited

Revenue

₹12 Cr

Revenue vs last year

+2.2%

Revenue vs last quarter

+110.1%

Net profit

₹7 Cr

Profit vs last year

-10.9%

Net margin

59.6%

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹104 Cr
Prev close
₹86.78
52w High
₹168
52w Low
₹65.6
Enterprise value
—
Beta
0.5
Price CAGR 1y
-17.0%
Price CAGR 3y
1.0%
Price CAGR 5y
13.0%
Price CAGR 10y
—

Ratios

Return on assets
5.6%
PEG ratio
1.8
P/E ratio
8.3
P/B ratio
0.5
EV / EBITDA
—
Industry P/E
16.7
ROCE
8.0%
ROCE 5y average
—
ROE
6.0%
Debt / Equity
0.0
Interest coverage
—
Dividend yield
0.0%
ROE 3y average
7.0%
ROE last year
6.0%

Annual P&L

Annual revenue
₹38 Cr
Annual profit
₹15 Cr
Operating margin
41.0%
Net profit margin
39.5%
EBITDA margin
39.5%
Sales growth 3y
-26.8%
Sales growth 5y
-7.1%
Profit growth 3y
5.0%
Profit growth 5y
13.0%
EPS
₹9.9
Sales growth TTM
-65.0%
Profit growth TTM
-11.0%
Dividend payout
0.0%

Quarter P&L

Sales latest quarter
₹12 Cr
Profit latest quarter
₹7 Cr
YoY quarterly sales growth
2.2%
YoY quarterly profit growth
-10.8%
OPM latest quarter
53.7%

Balance Sheet

Book Value
₹183
Face Value
₹5.0
Total debt
₹2 Cr
Total cash
₹5 Cr
Borrowings
₹2 Cr
Reserves / Equity
35.5

Cash Flow

Operating cash flow
₹7 Cr
Free cash flow
₹7 Cr
FCF yield
—
Net cash flow
-₹1 Cr

Shareholding

Promoter holding
75.0%
FII holding
—
DII holding
—
Public holding
25.0%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Bajaj Finance958.8529.15,96,9760.566,080.627.423,165.518.610.9
Shriram Finance924.9019.32,17,6331.143,452.859.913,400.416.211.5
Tata Capital317.6024.81,34,8170.181,628.256.38,821.915.18.6
Cholaman.Inv.&Fn1,554.4023.11,32,8020.131,656.245.68,856.321.99.7
Muthoot Finance2,573.409.11,03,3141.122,824.838.88,671.634.415.8
L&T Finance Ltd258.8520.264,8781.08916.028.75,212.922.48.4
SBI Cards554.3023.252,7500.45664.419.55,040.63.410.1
RSD Finance87.129.01130.007.0-4.111.72.28.0
Median143.7019.34700.0010.837.948.627.79.4

Competes with: Bajaj Finance, Cholamandalam Investment & Finance, HDB Financial Services Limited, L&T Finance Limited, Muthoot Finance, SBI Cards & Payment Services, Shriram Finance Limited, Tata Capital Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Consolidated · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue2519283133293137116.28145.5812
Expenses18161923232223304.834.846.615.845.43
Financing Profit6.562.108.287.358.947.168.073.966.631.437.62-0.296.26
Financing Margin %2611292427242611582354-5.2054
Other Income0.992.261.383.462.072.160.160.603.012.191.740.382.57
Interest0.540.630.940.700.520.470.522.450.010.010.020.030.03
Depreciation3.421.572.862.681.952.102.111.600.330.520.440.440.36
Profit before tax4.132.796.808.139.067.226.122.969.313.108.92-0.358.47
Tax %239.6822212323287116118.6384017
Net Profit3.192.535.286.406.965.594.400.877.842.768.15-3.306.99
EPS in Rs2.271.663.123.764.133.712.060.334.862.015.33-2.274.66

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Consolidated · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue3248424559715597971081323838
Expenses25302532415239616676982223
Financing Profit7161611161714342730301515
Financing Margin %21353824272425352827234140
Other Income0003521123377
Interest0112222233400
Depreciation1337655111311822
Profit before tax614147151310241622252120
Tax %282222242318172520203026
Net Profit51111511118181317181515
EPS in Rs3.657.737.763.667.875.765.48128.5611109.939.73
Dividend Payout %1100000000000

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
-2%
5 years
-7%
3 years
-27%
TTM
-65%

Compounded profit growth

10 years
3%
5 years
13%
3 years
5%
TTM
-11%

Stock price CAGR

10 years
—
5 years
13%
3 years
1%
1 year
-17%

Return on equity

10 years
6%
5 years
7%
3 years
7%
Last year
6%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital666666666666
Reserves84107116121133139150169177192205213
Borrowing12252320172120333426212
Other Liabilities62325253137384346506046
Total Liabilities109161170172188203214252263275292267
Fixed Assets32928556052415470635618
CWIP00241161600080
Investments9910696101105126140161151170173218
Other Assets72723152219183742435632
Total Assets109161170172188203214252263275292267

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-611-16-854155615-07
Cash from Investing Activity4-321240-9-13-13-12-6519
Cash from Financing Activity32612-34-1134-8-6-26
Net Cash Flow15-3-22-215-21-1-1
Free Cash Flow-7-18-42-20-81155615-07

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Consolidated
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %51083555106766

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Consolidated · to 30 Jun 2026
Line itemSep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters757575757575757575757575
FIIs0
DIIs0
Public252525252525252525252525
No. of Shareholders9799951,1001,0861,2731,4231,4111,5121,4771,4811,5071,554

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -18.6% (₹106.65 → ₹86.78)Brick size ₹5.50 (fixed)Bricks 45
₹75.00₹100₹125₹150₹86.78Dec '25Feb '26May '26Jul '26Sep '26
Price moved up one brickPrice moved down one brickLast close ₹86.78 on 9 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

News

News and filings about RSD Finance Limited. Open one to see why it matters.

No recent news for this company.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Sells to

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Non Banking Financial Company (NBFC)
Classification
Financial Services › Non Banking Financial Company (NBFC)
ISIN
INE616F01022

Plants

  • RSD Finance job-work factory, NS-13 2nd Phase Adityapur
  • Sigma HTS heat treatment and forging plant, Tirildih Seraikela-Kharsawan
  • The Alcor Hotel, Bistupur Jamshedpur (SRP Oil Pvt Ltd)

News impact

Big market events that reach RSD Finance Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

No dividends, splits or big trades on record.

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.