RSD Finance

BSE: RSDFIN · Non Banking Financial Company (NBFC)

52W Range₹66 ₹168

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Snapshot

Unlock RSD Finance's vital signs

Growth · Profitability · Valuation · Strength · Conviction

Company Overview

Business

RSD Finance is a non-systemically important, non-deposit-taking non-banking financial company (NBFC) operating in India. The company focuses on providing loans and advances, alongside the acquisition of financial instruments such as shares, stocks, bonds, and debentures, while also offering job work services.

Business Model

The company generates revenue through interest income derived from its lending activities and capital appreciation or dividends from its portfolio of financial securities. Additionally, it earns fees through the provision of job work services.

Growth Outlook

Growth is primarily driven by the expansion of its loan book and strategic investments in financial markets. The company's performance remains tied to the broader economic environment and the liquidity available for NBFC operations.

Key Risks

  • Credit Risk. The company faces the risk of default from borrowers, which could adversely impact its asset quality and profitability.
  • Market Risk. Fluctuations in the value of the company's portfolio of shares, bonds, and debentures can lead to significant volatility in financial performance.
  • Regulatory Risk. As an NBFC, the company is subject to stringent and evolving regulations by the Reserve Bank of India, which may impact operational flexibility.
  • Liquidity Risk. The company's reliance on non-deposit funding sources may create liquidity challenges during periods of market stress or credit tightening.

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Key Metrics

REVENUE

₹42 Cr

TTM · consolidated

-68.0%YoY

NET PROFIT

₹15 Cr

TTM · consolidated

-13.2%YoY

EPS

₹11.63

TTM · consolidated

-16.7%YoY

RETURN ON EQUITY

7.2%

TTM · consolidated

-1.6 ppYoY

P/E

6.6x

Q4 FY26 · consolidated

6.6 vs 13.3x5Y avg

NET PROFIT MARGIN

-60.7%

Q4 FY26 · consolidated

-63.1 ppYoY

Peers · Non Banking Financial Company (NBFC)

CompanyMkt CapP/EEV/EBITDARev Gr YoYEBITDA MgnROEROCE1Y Return
RSD FinanceRSDFIN
₹130 Cr8.63-68.0%7.2%-1.9%
Purple FinancePURPLEFIN
₹433 Cr-367.50204.7%-1.2%+102.3%
Akme Fintrade (India) LimitedAFIL
₹401 Cr9.0440.5%11.0%+35.4%
Moneyboxx Finance LimitedMONEYBOXX
₹398 Cr237.385.9%0.5%-57.2%
Muthoot Capital Services LimitedMUTHOOTCAP
₹395 Cr16.5022.0%3.6%-12.6%
Avonmore Capital & Management Services LimitedAVONMORE
₹392 Cr25.7411.4%8.3%-27.6%

As of Q4 FY26

Financials