Price
Financials
Consolidated, Rs crore| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 18.91 | 28.08 | 30.67 | 32.55 | 29.44 | 31.31 | 36.71 | 11.47 | 6.28 | 14.25 | 5.58 | 11.72 |
| Interest | 0.63 | 0.94 | 0.70 | 0.52 | 0.47 | 0.52 | 2.45 | 0.01 | 0.01 | 0.02 | 0.03 | 0.03 |
| Expenses | 16.18 | 18.86 | 22.62 | 23.09 | 21.81 | 22.72 | 30.30 | 4.83 | 4.84 | 6.61 | 5.84 | 5.43 |
| Financing Profit | 2.10 | 8.28 | 7.35 | 8.94 | 7.16 | 8.07 | 3.96 | 6.63 | 1.43 | 7.62 | -0.29 | 6.26 |
| Financing Margin % | 11.11% | 29.49% | 23.96% | 27.47% | 24.32% | 25.77% | 10.79% | 57.80% | 22.77% | 53.47% | -5.20% | 53.41% |
| Other Income | 2.26 | 1.38 | 3.46 | 2.07 | 2.16 | 0.16 | 0.60 | 3.01 | 2.19 | 1.74 | 0.38 | 2.57 |
| Depreciation | 1.57 | 2.86 | 2.68 | 1.95 | 2.10 | 2.11 | 1.60 | 0.33 | 0.52 | 0.44 | 0.44 | 0.36 |
| Profit before tax | 2.79 | 6.80 | 8.13 | 9.06 | 7.22 | 6.12 | 2.96 | 9.31 | 3.10 | 8.92 | -0.35 | 8.47 |
| Tax % | 9.68% | 22.35% | 21.16% | 23.29% | 22.58% | 28.10% | 70.61% | 15.79% | 10.97% | 8.63% | 840.00% | 17.47% |
| Net Profit | 2.53 | 5.28 | 6.40 | 6.96 | 5.59 | 4.40 | 0.87 | 7.84 | 2.76 | 8.15 | -3.30 | 6.99 |
| EPS in Rs | 1.66 | 3.12 | 3.76 | 4.13 | 3.71 | 2.06 | 0.33 | 4.86 | 2.01 | 5.33 | -2.27 | 4.66 |
| Gross NPA % | ||||||||||||
| Net NPA % |
| Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 48 | 42 | 45 | 59 | 71 | 55 | 97 | 97 | 108 | 132 | 38 | 38 |
| Interest | 1 | 1 | 2 | 2 | 2 | 2 | 2 | 3 | 3 | 4 | 0 | 0 |
| Expenses | 30 | 25 | 32 | 41 | 52 | 39 | 61 | 66 | 76 | 98 | 22 | 23 |
| Financing Profit | 16 | 16 | 11 | 16 | 17 | 14 | 34 | 27 | 30 | 30 | 15 | 15 |
| Financing Margin % | 35% | 38% | 24% | 27% | 24% | 25% | 35% | 28% | 27% | 23% | 41% | 40% |
| Other Income | 0 | 0 | 3 | 5 | 2 | 1 | 1 | 2 | 3 | 3 | 7 | 7 |
| Depreciation | 3 | 3 | 7 | 6 | 5 | 5 | 11 | 13 | 11 | 8 | 2 | 2 |
| Profit before tax | 14 | 14 | 7 | 15 | 13 | 10 | 24 | 16 | 22 | 25 | 21 | 20 |
| Tax % | 22% | 22% | 24% | 23% | 18% | 17% | 25% | 20% | 20% | 30% | 26% | |
| Net Profit | 11 | 11 | 5 | 11 | 11 | 8 | 18 | 13 | 17 | 18 | 15 | 15 |
| EPS in Rs | 7.73 | 7.76 | 3.66 | 7.87 | 5.76 | 5.48 | 12.37 | 8.56 | 10.81 | 10.23 | 9.93 | 9.73 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
| 10 Years | 5 Years | 3 Years | TTM | 1 Year | Last Year | |
|---|---|---|---|---|---|---|
| Compounded Sales Growth | -2% | -7% | -27% | -65% | ||
| Compounded Profit Growth | 3% | 13% | 5% | -11% | ||
| Stock Price CAGR | % | 13% | 1% | -18% | ||
| Return on Equity | 6% | 7% | 7% | 6% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 | 6 |
| Reserves | 84 | 107 | 116 | 121 | 133 | 139 | 150 | 169 | 177 | 192 | 205 | 213 |
| Borrowing | 12 | 25 | 23 | 20 | 17 | 21 | 20 | 33 | 34 | 26 | 21 | 2 |
| Other Liabilities | 6 | 23 | 25 | 25 | 31 | 37 | 38 | 43 | 46 | 50 | 60 | 46 |
| Total Liabilities | 109 | 161 | 170 | 172 | 188 | 203 | 214 | 252 | 263 | 275 | 292 | 267 |
| Fixed Assets | 3 | 29 | 28 | 55 | 60 | 52 | 41 | 54 | 70 | 63 | 56 | 18 |
| CWIP | 0 | 0 | 24 | 1 | 1 | 6 | 16 | 0 | 0 | 0 | 8 | 0 |
| Investments | 99 | 106 | 96 | 101 | 105 | 126 | 140 | 161 | 151 | 170 | 173 | 218 |
| Other Assets | 7 | 27 | 23 | 15 | 22 | 19 | 18 | 37 | 42 | 43 | 56 | 32 |
| Total Assets | 109 | 161 | 170 | 172 | 188 | 203 | 214 | 252 | 263 | 275 | 292 | 267 |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | -6 | 11 | -16 | -8 | 5 | 4 | 15 | 5 | 6 | 15 | -0 | 7 |
| Cash from Investing Activity | 4 | -32 | 12 | 4 | 0 | -9 | -13 | -13 | -12 | -6 | 5 | 19 |
| Cash from Financing Activity | 3 | 26 | 1 | 2 | -3 | 4 | -1 | 13 | 4 | -8 | -6 | -26 |
| Net Cash Flow | 1 | 5 | -3 | -2 | 2 | -2 | 1 | 5 | -2 | 1 | -1 | -1 |
| Free Cash Flow | -7 | -18 | -42 | -20 | -8 | 1 | 15 | 5 | 6 | 15 | -0 | 7 |
| CFO/OP | -68% | 69% | -81% | -42% | 39% | 42% | 114% | 19% | 39% | 55% | 13% | 91% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 5% | 10% | 8% | 3% | 5% | 5% | 5% | 10% | 6% | 7% | 6% | 6% |
| Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Promoters | 74.98% | 74.98% | 74.98% | 74.98% | 74.98% | 74.98% | 74.98% | 74.98% | 74.98% | 74.98% | 74.98% | 74.98% |
| Public | 25.02% | 25.02% | 25.01% | 25.03% | 25.02% | 25.02% | 25.02% | 25.03% | 25.01% | 25.02% | 25.02% | 25.02% |
| No. of Shareholders | 979 | 995 | 1,100 | 1,086 | 1,273 | 1,423 | 1,411 | 1,512 | 1,477 | 1,481 | 1,507 | 1,554 |
Fundamentals
Market Cap₹ 113 Cr.
Current Price₹ 87.0
Stock P/E8.95
Book Value₹ 169
ROCE8.02 %
ROE5.96 %
Dividend Yield0.00 %
Face Value₹ 5.00
Compounded Sales Growth (TTM)-65%
Compounded Profit Growth (TTM)-11%
Consolidated figures.
Valuation
Market capRs 118 Cr
Enterprise valueRs 115 Cr
P/E (TTM)9.39x
Price to book0.54x
Price to sales3.13x
EV / EBITDA5.24x
EV / EBIT5.70x
EV / sales3.05x
Price to cash flow17.92x
Earnings yield10.65%
P/E, 3-year average10.54x
P/B, 3-year average0.69x
P/E, 5-year average9.90x
P/B, 5-year average0.69x
Profitability
Operating margin (excl. other income)41.17%
Operating margin (incl. other income)60.64%
EBITDA margin58.13%
Pre-tax margin53.24%
Net profit margin33.28%
Net margin, latest quarter51.45%
ROE5.96%
ROCE9.27%
ROA4.59%
ROE, 3-year average6.58%
ROCE, 3-year average11.14%
ROA, 3-year average4.82%
ROE, 5-year average7.11%
ROCE, 5-year average11.26%
ROA, 5-year average5.13%
ROIC (approx.)6.90%
Tax rate26.31%
Other income / net worth3.34%
Growth
Sales growth (latest year)-71.55%
Profit growth (latest year)-2.95%
Sales CAGR, 3 years-27.05%
Sales CAGR, 5 years-7.18%
Profit CAGR, 3 years5.06%
Profit CAGR, 5 years12.63%
Sales growth QoQ110.04%
Sales growth YoY (latest quarter)2.18%
Profit growth YoY (latest quarter)-4.13%
Per share
EPS (TTM)Rs 9.72
EPS (latest quarter)Rs 4.66
EPS, 3-year averageRs 10.52
EPS, 5-year averageRs 10.49
Book value per shareRs 169.26
Sales per shareRs 29.22
Cash flow per shareRs 5.10
Free cash flow per shareRs 5.41
Efficiency
Asset turnover0.14x
Fixed asset turnover2.13x
Inventory turnover7.37x
Inventory days49 days
Debtor days4 days
Debtors turnover91.66x
Leverage
Total debtRs 2 Cr
Cash and bankRs 5 Cr
Net debtRs -3 Cr
Debt to equity0.01x
Net debt / EBITDA-0.14x
Interest coverage224.78x
Owners' fund to total sources82.10%
Debt to assets0.85%
Cash flow
Cash from Operating Activity (latest year)Rs 7 Cr
Cash from Investing Activity (latest year)Rs 19 Cr
Cash from Financing Activity (latest year)Rs -26 Cr
Net Cash Flow (latest year)Rs -1 Cr
Free cash flow (latest year)Rs 7 Cr
FCFE (approx.: FCF + change in debt)Rs -12 Cr
Cash from ops / profit, 5 years0.41x
Sales to cash flow5.69x
Statement figures
Net sales (TTM)Rs 38 Cr
Net sales (latest year)Rs 38 Cr
Sales (latest quarter)Rs 12 Cr
Operating profit excl. other income (latest year)Rs 15 Cr
Operating profit (latest quarter)Rs 6 Cr
Other income (TTM)Rs 7 Cr
EBITDA (TTM)Rs 22 Cr
PBDT (TTM)Rs 22 Cr
Profit before tax (TTM)Rs 20 Cr
Tax (latest year)Rs 6 Cr
Net profit (TTM)Rs 13 Cr
Net profit (latest year)Rs 13 Cr
Net profit (latest quarter)Rs 6 Cr
Depreciation (TTM)Rs 2 Cr
Depreciation (latest quarter)Rs 0 Cr
Interest (TTM)Rs 0 Cr
Cost of goods sold (latest year)Rs 8 Cr
Total expenditure (latest year)Rs 22 Cr
Total income (latest year)Rs 45 Cr
Share capitalRs 6 Cr
ReservesRs 213 Cr
Shareholders' fundsRs 219 Cr
Total assetsRs 267 Cr
Net blockRs 18 Cr
InvestmentsRs 218 Cr
ReceivablesRs 0 Cr
InventoryRs 1 Cr
Other liabilitiesRs 46 Cr
Shares outstanding (crore)1.29
Ownership
Promoter holding74.98% (+0.00 in a year)
Computed by MarketFriction from the consolidated statements. Returns use average balances.
P/E 9.4 is at the 68th percentile of its own 9.2-year range
(median 8.1, low 1.8, high 25.9).
P/B 0.54 is at the 49th percentile (median 0.54).
Monthly. Market cap from split-adjusted price; profit and book value as reported by that month. A low percentile means cheap versus its own history, not cheap versus peers.
| Period | RSDFIN | Nifty 50 | Difference |
|---|---|---|---|
| 1 week | +3.7% | -2.8% | +6.5 pts |
| 1 month | -5.8% | -6.8% | +0.9 pts |
| 3 months | +14.7% | -7.6% | +22.4 pts |
| 3 years | +7.5% | +14.2% | -6.7 pts |
| 5 years | +82.2% | +27.9% | +54.3 pts |
Red flags
F-score 6 of 8| look | On NSE surveillance On NSE surveillance: ESM |
Checks on the latest reported years: cash vs profit, accruals, receivables and inventory vs sales, dilution, debt, interest cover, equity, other income, losses, and auditor, top-management, insolvency and regulator filings in the last 12 months. A flag asks for an explanation; it is not a verdict.
Latest quarter
Jun 2026Revenue ₹12 Cr +2.2% vs Jun 2025.
Net profit ₹7 Cr -10.8%.
Activity
Compare| Company | Mcap (Cr) | P/E | ROCE |
|---|---|---|---|
| Bajaj Finance Ltd | 606,283 | 29.6 | 10.9 % |
| Shriram Finance Ltd | 228,598 | 20.2 | 11.5 % |
| Tata Capital Ltd | 140,654 | 25.9 | 8.58 % |
| Cholamandalam Investment & Finance Company Ltd | 139,031 | 24.2 | 9.71 % |
| Muthoot Finance Ltd | 109,874 | 9.66 | 15.8 % |
| L&T Finance Ltd | 67,935 | 21.2 | 8.40 % |
| SBI Cards & Payment Services Ltd | 55,290 | 24.3 | 10.1 % |
| HDB Financial Services Ltd | 52,415 | 19.0 | 9.09 % |
| Sundaram Finance Ltd | 48,161 | 21.2 | 9.44 % |
| Authum Investment & Infrastructure Ltd | 46,011 | 22.0 | 13.6 % |
| Mahindra & Mahindra Financial Services Ltd | 45,035 | 13.5 | 8.72 % |
| Poonawalla Fincorp Ltd | 39,011 | 49.6 | 7.51 % |
| Manappuram Finance Ltd | 29,725 | 20.5 | 8.25 % |
| IIFL Finance Ltd | 25,929 | 12.3 | 10.9 % |
| Capri Global Capital Ltd | 23,756 | 21.1 | 11.7 % |
No bulk or block deals on record.
No corporate actions on record.
No announcements in our files yet.
Company filings to NSE, newest first. Routine notices (trading window, newspaper copies) are left out. Click a row for the filing.
No short selling reported to NSE in our files.
Short sales disclosed by brokers to NSE, by trade date. Collected since late September 2026.
ESM: stage 1Less than 100 unique PAN traded in previous 30 days