RSD Finance Ltd

RSD Finance Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

RSD Finance Ltd

₹ 221 -10.00%
20 Dec - close price
rsdfinancelimited.com BSE: 539875
About

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

Key Points

Business Overview:[1]
RSDFL is a registered as a Non Systematically Important, Non Deposit Taking, Non Banking
Finance Company. It is in the business of loans and advances, acquisition of shares, stocks,
bonds, debentures, securities, etc. It also provides Job Work services

Website BSE
  • Market Cap ₹ 286 Cr.
  • Current Price ₹ 221
  • High / Low ₹ 300 / 80.0
  • Stock P/E 34.5
  • Book Value ₹ 59.8
  • Dividend Yield 0.00 %
  • ROCE 13.9 %
  • ROE 11.0 %
  • Face Value ₹ 5.00
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Pros

  • Company is almost debt free.

Cons

  • Stock is trading at 3.70 times its book value
  • Though the company is reporting repeated profits, it is not paying out dividend
  • Company has a low return on equity of 8.82% over last 3 years.
  • Earnings include an other income of Rs.3.25 Cr.

* 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
0.74 1.01 1.87 0.48 1.69 2.63 1.07 2.34 1.91 2.92 2.40 2.06 2.73
0.58 0.60 1.07 0.50 0.81 0.54 0.66 0.57 0.60 0.58 0.91 0.68 0.57
Operating Profit 0.16 0.41 0.80 -0.02 0.88 2.09 0.41 1.77 1.31 2.34 1.49 1.38 2.16
OPM % 21.62% 40.59% 42.78% -4.17% 52.07% 79.47% 38.32% 75.64% 68.59% 80.14% 62.08% 66.99% 79.12%
1.15 0.68 0.62 0.54 0.30 1.74 0.29 0.31 0.67 0.47 1.36 0.74 0.68
Interest 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Depreciation 0.02 0.02 0.02 0.02 0.02 0.02 0.02 0.01 0.02 0.01 0.02 0.01 0.01
Profit before tax 1.29 1.07 1.40 0.50 1.16 3.81 0.68 2.07 1.96 2.80 2.83 2.11 2.83
Tax % 17.05% -26.17% 52.14% 26.00% 31.03% 10.50% 35.29% 19.81% 20.41% 19.29% 24.73% 21.33% 20.49%
1.07 1.35 0.67 0.38 0.80 3.41 0.44 1.66 1.57 2.26 2.13 1.67 2.24
EPS in Rs 0.83 1.04 0.52 0.29 0.62 2.63 0.34 1.28 1.21 1.75 1.65 1.29 1.73
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
1.29 26.29 4.36 5.59 7.40 6.77 6.77 3.91 6.09 7.55 8.57 12.17 10.11
0.51 1.31 1.58 2.36 2.08 3.33 1.36 2.32 2.12 2.57 2.52 2.65 2.74
Operating Profit 0.78 24.98 2.78 3.23 5.32 3.44 5.41 1.59 3.97 4.98 6.05 9.52 7.37
OPM % 60.47% 95.02% 63.76% 57.78% 71.89% 50.81% 79.91% 40.66% 65.19% 65.96% 70.60% 78.23% 72.90%
0.00 0.01 0.01 0.20 0.02 0.20 1.79 0.14 0.08 0.17 0.18 0.21 3.25
Interest 0.03 0.05 0.20 0.42 0.04 0.04 0.02 0.01 0.01 0.00 0.00 0.00 0.00
Depreciation 0.08 0.14 0.21 0.12 0.10 0.20 0.15 0.12 0.09 0.08 0.06 0.06 0.05
Profit before tax 0.67 24.80 2.38 2.89 5.20 3.40 7.03 1.60 3.95 5.07 6.17 9.67 10.57
Tax % 5.97% 18.35% 10.08% 9.69% 17.88% 19.12% 18.21% 18.12% 17.72% 16.96% 18.48% 21.20%
0.63 20.25 2.13 2.60 4.27 2.76 5.75 1.31 3.25 4.20 5.03 7.62 8.30
EPS in Rs 0.49 15.70 1.65 2.02 3.31 2.14 4.46 1.01 2.51 3.24 3.89 5.89 6.42
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: -7%
5 Years: 12%
3 Years: 26%
TTM: 27%
Compounded Profit Growth
10 Years: -9%
5 Years: 12%
3 Years: 33%
TTM: 17%
Stock Price CAGR
10 Years: %
5 Years: 69%
3 Years: 21%
1 Year: 141%
Return on Equity
10 Years: 8%
5 Years: 7%
3 Years: 9%
Last Year: 11%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
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 6.47
Reserves 46.08 25.53 27.40 30.02 34.27 36.95 43.99 43.62 49.43 54.71 58.56 66.63 70.91
0.66 0.89 3.93 3.87 0.54 0.65 0.60 0.56 0.53 0.48 0.40 0.40 0.40
1.03 5.61 1.66 1.77 1.87 2.29 4.22 3.43 2.57 3.13 3.09 4.16 5.20
Total Liabilities 54.24 38.50 39.46 42.13 43.15 46.36 55.28 54.08 59.00 64.79 68.52 77.66 82.98
1.15 1.41 1.20 1.11 1.59 1.65 12.50 8.72 1.29 1.19 1.13 1.10 1.08
CWIP 0.00 0.00 0.02 0.06 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 51.95 31.66 36.27 33.58 30.16 38.00 35.57 44.15 50.64 55.12 54.17 61.09 67.33
1.14 5.43 1.97 7.38 11.40 6.71 7.21 1.21 7.07 8.48 13.22 15.47 14.57
Total Assets 54.24 38.50 39.46 42.13 43.15 46.36 55.28 54.08 59.00 64.79 68.52 77.66 82.98

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
-45.73 -1.78 1.45 -0.46 -7.33 0.70 -4.78 0.37 -0.93 -3.81 -1.48
45.61 -1.81 -1.77 4.77 6.44 -0.45 4.45 0.71 0.44 3.70 3.01
0.17 3.05 -0.03 -3.33 0.11 -0.04 -0.04 -0.04 -0.04 -0.09 0.00
Net Cash Flow 0.05 -0.53 -0.35 0.98 -0.78 0.21 -0.36 1.05 -0.53 -0.20 1.54

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 11.32 1.39 8.37 5.88 3.45 10.24 12.40 12.14 9.59 8.22 6.39 3.60
Inventory Days
Days Payable
Cash Conversion Cycle 11.32 1.39 8.37 5.88 3.45 10.24 12.40 12.14 9.59 8.22 6.39 3.60
Working Capital Days 19.81 -5.00 -26.79 -75.09 -42.91 -74.40 -142.87 -269.78 -95.30 -78.32 -74.96 -54.59
ROCE % 2.16% 57.72% 7.30% 8.47% 12.84% 7.83% 11.35% 3.17% 7.40% 8.54% 9.71% 13.91%

Shareholding Pattern

Numbers in percentages

Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
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% 25.02% 25.02% 25.02% 25.03% 25.02% 25.03% 25.02% 25.02% 25.01% 25.03% 25.02%
No. of Shareholders 9109279159219599699719799951,1001,0861,273

Documents

Announcements

Annual reports