R S Software (India) Limited Logo

R S Software (India) Limited

RSSOFTWARE.NS

(0.5)
Stock Price

223,10 INR

33.87% ROA

47.71% ROE

31.84x PER

Market Cap.

6.749.714.165,00 INR

2.48% DER

0.1% Yield

31.54% NPM

R S Software (India) Limited Stock Analysis

R S Software (India) Limited Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

R S Software (India) Limited Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (7%), which means it has a small amount of debt compared to the ownership it holds

2 ROE

The stock's ROE indicates a negative return (-26.37%) on shareholders' equity, suggesting poor financial performance.

3 ROA

The stock's ROA (-20.52%) suggests that it's struggling to generate profits from its assets, making it a risky choice for investment.

4 PBV

The stock's high Price-to-Book Value (P/BV) ratio (4.42x) suggests it's overvalued, potentially making it an expensive investment.

5 Revenue Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

6 Net Profit Growth

This company's net profit has remained flat over the past five years, suggesting a lack of growth and making it a less attractive investment opportunity.

7 Assets Growth

Regrettably, this company's revenue has shown no signs of growth over the past three years, suggesting limited potential for returns and making it a less appealing choice.

8 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

9 Dividend Growth

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

10 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

11 Buffet Intrinsic Value

The company's stock appears overvalued (-177) by Warren Buffett's formula, suggesting a less favorable investment opportunity as its market price exceeds its estimated intrinsic value.

R S Software (India) Limited Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

R S Software (India) Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

R S Software (India) Limited Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

R S Software (India) Limited Revenue
Year Revenue Growth
2006 1.016.650.230
2007 1.003.590.867 -1.3%
2008 1.495.712.634 32.9%
2009 1.664.728.731 10.15%
2010 1.992.725.005 16.46%
2011 2.640.321.000 24.53%
2012 3.181.637.000 17.01%
2013 3.818.765.000 16.68%
2014 3.764.200.000 -1.45%
2015 1.900.049.000 -98.11%
2016 761.303.000 -149.58%
2017 634.292.000 -20.02%
2018 653.927.000 3%
2019 602.810.000 -8.48%
2020 354.567.000 -70.01%
2021 275.235.000 -28.82%
2022 301.266.000 8.64%
2023 437.448.000 31.13%
2023 595.422.000 26.53%
2024 750.128.000 20.62%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

R S Software (India) Limited Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 36.399.000 100%
2017 52.474.000 30.63%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

R S Software (India) Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 192.614.474
2007 200.449.439 3.91%
2008 226.759.815 11.6%
2009 199.170.901 -13.85%
2010 194.953.881 -2.16%
2011 0 0%
2012 83.819.000 100%
2013 97.486.000 14.02%
2014 372.845.000 73.85%
2015 87.625.000 -325.5%
2016 93.159.000 5.94%
2017 90.407.000 -3.04%
2018 61.725.000 -46.47%
2019 44.856.000 -37.61%
2020 30.313.000 -47.98%
2021 22.215.000 -36.45%
2022 21.429.000 -3.67%
2023 0 0%
2023 24.053.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

R S Software (India) Limited EBITDA
Year EBITDA Growth
2006 145.753.693
2007 105.606.103 -38.02%
2008 180.848.654 41.61%
2009 236.367.645 23.49%
2010 327.141.979 27.75%
2011 397.275.000 17.65%
2012 505.201.000 21.36%
2013 753.966.000 32.99%
2014 1.050.000.000 28.19%
2015 187.035.000 -461.39%
2016 -224.581.000 183.28%
2017 -423.938.000 47.03%
2018 -332.758.000 -27.4%
2019 -225.649.000 -47.47%
2020 -172.652.000 -30.7%
2021 -73.534.000 -134.79%
2022 -42.261.000 -74%
2023 123.012.000 134.36%
2023 187.635.000 34.44%
2024 271.944.000 31%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

R S Software (India) Limited Gross Profit
Year Gross Profit Growth
2006 1.016.650.230
2007 1.003.590.867 -1.3%
2008 1.495.712.634 32.9%
2009 1.664.728.731 10.15%
2010 1.992.725.005 16.46%
2011 2.640.321.000 24.53%
2012 851.538.000 -210.06%
2013 1.150.621.000 25.99%
2014 1.315.426.000 12.53%
2015 550.135.000 -139.11%
2016 -60.922.000 1003.02%
2017 -117.034.000 47.95%
2018 -95.511.000 -22.53%
2019 -60.227.000 -58.59%
2020 -35.150.000 -71.34%
2021 7.426.000 573.34%
2022 77.725.000 90.45%
2023 172.880.000 55.04%
2023 272.934.000 36.66%
2024 217.848.000 -25.29%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

R S Software (India) Limited Net Profit
Year Net Profit Growth
2006 44.578.562
2007 7.447.092 -498.6%
2008 52.266.680 85.75%
2009 119.377.951 56.22%
2010 215.779.720 44.68%
2011 288.596.000 25.23%
2012 379.274.000 23.91%
2013 535.837.000 29.22%
2014 649.400.000 17.49%
2015 106.130.000 -511.89%
2016 -182.191.000 158.25%
2017 -258.084.000 29.41%
2018 -261.610.000 1.35%
2019 -719.640.000 63.65%
2020 -200.455.000 -259%
2021 -151.267.000 -32.52%
2022 -81.463.000 -85.69%
2023 78.432.000 203.86%
2023 181.084.000 56.69%
2024 183.436.000 1.28%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

R S Software (India) Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 2
2007 0 0%
2008 2 100%
2009 5 75%
2010 10 60%
2011 13 23.08%
2012 16 18.75%
2013 43 62.79%
2014 26 -65.38%
2015 4 -550%
2016 -7 157.14%
2017 -10 30%
2018 -10 0%
2019 -28 62.96%
2020 -8 -285.71%
2021 -6 -40%
2022 -3 -66.67%
2023 3 200%
2023 7 57.14%
2024 7 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

R S Software (India) Limited Free Cashflow
Year Free Cashflow Growth
2006 -7.799.955
2007 35.731.363 121.83%
2008 48.837.070 26.84%
2009 108.328.449 54.92%
2010 155.309.673 30.25%
2011 416.224.000 62.69%
2012 40.269.000 -933.61%
2013 416.236.000 90.33%
2014 582.396.000 28.53%
2015 178.903.000 -225.54%
2016 -482.158.000 137.1%
2017 -398.140.000 -21.1%
2018 -374.063.000 -6.44%
2019 -467.781.000 20.03%
2020 -150.776.000 -210.25%
2021 91.462.000 264.85%
2022 -105.242.000 186.91%
2023 23.617.000 545.62%
2023 151.848.000 84.45%
2024 2.381.000 -6277.49%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

R S Software (India) Limited Operating Cashflow
Year Operating Cashflow Growth
2006 116.836.368
2007 79.675.385 -46.64%
2008 110.582.375 27.95%
2009 138.417.388 20.11%
2010 184.789.896 25.09%
2011 437.242.000 57.74%
2012 79.539.000 -449.72%
2013 531.199.000 85.03%
2014 610.676.000 13.01%
2015 187.228.000 -226.17%
2016 -392.483.000 147.7%
2017 -366.082.000 -7.21%
2018 -294.713.000 -24.22%
2019 -407.460.000 27.67%
2020 -150.282.000 -171.13%
2021 91.462.000 264.31%
2022 -96.064.000 195.21%
2023 31.434.000 405.61%
2023 202.999.000 84.52%
2024 14.416.000 -1308.15%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

R S Software (India) Limited Capital Expenditure
Year Capital Expenditure Growth
2006 124.636.323
2007 43.944.022 -183.63%
2008 61.745.305 28.83%
2009 30.088.939 -105.21%
2010 29.480.223 -2.06%
2011 21.018.000 -40.26%
2012 39.270.000 46.48%
2013 114.963.000 65.84%
2014 28.280.000 -306.52%
2015 8.325.000 -239.7%
2016 89.675.000 90.72%
2017 32.058.000 -179.73%
2018 79.350.000 59.6%
2019 60.321.000 -31.55%
2020 494.000 -12110.73%
2021 0 0%
2022 9.178.000 100%
2023 7.817.000 -17.41%
2023 51.151.000 84.72%
2024 12.035.000 -325.02%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

R S Software (India) Limited Equity
Year Equity Growth
2006 336.923.162
2007 335.487.555 -0.43%
2008 328.217.927 -2.21%
2009 318.645.563 -3%
2010 489.346.900 34.88%
2011 890.365.000 45.04%
2012 1.239.676.000 28.18%
2013 1.758.290.000 29.5%
2014 2.131.900.000 17.52%
2015 2.292.794.000 7.02%
2016 2.113.503.000 -8.48%
2017 1.889.958.000 -11.83%
2018 1.625.768.000 -16.25%
2019 785.358.000 -107.01%
2020 568.831.000 -38.07%
2021 397.279.000 -43.18%
2022 307.011.000 -29.4%
2023 339.396.000 9.54%
2023 491.082.000 30.89%
2024 541.845.000 9.37%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

R S Software (India) Limited Assets
Year Assets Growth
2006 584.112.446
2007 567.695.679 -2.89%
2008 565.969.375 -0.31%
2009 475.071.269 -19.13%
2010 735.676.817 35.42%
2011 1.227.755.000 40.08%
2012 1.427.593.000 14%
2013 2.013.299.000 29.09%
2014 2.316.200.000 13.08%
2015 2.549.034.000 9.13%
2016 2.267.990.000 -12.39%
2017 2.034.566.000 -11.47%
2018 1.749.956.000 -16.26%
2019 885.538.000 -97.62%
2020 715.616.000 -23.74%
2021 478.501.000 -49.55%
2022 432.144.000 -10.73%
2023 485.829.000 11.05%
2023 683.329.000 28.9%
2024 692.312.000 1.3%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

R S Software (India) Limited Liabilities
Year Liabilities Growth
2006 247.189.284
2007 232.208.124 -6.45%
2008 237.751.448 2.33%
2009 156.425.706 -51.99%
2010 246.329.917 36.5%
2011 337.390.000 26.99%
2012 187.917.000 -79.54%
2013 255.009.000 26.31%
2014 184.300.000 -38.37%
2015 256.240.000 28.08%
2016 154.487.000 -65.87%
2017 144.608.000 -6.83%
2018 124.188.000 -16.44%
2019 100.180.000 -23.96%
2020 146.785.000 31.75%
2021 81.222.000 -80.72%
2022 125.133.000 35.09%
2023 146.433.000 14.55%
2023 192.247.000 23.83%
2024 150.468.000 -27.77%

R S Software (India) Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
26.15
Net Income per Share
8.25
Price to Earning Ratio
31.84x
Price To Sales Ratio
10.04x
POCF Ratio
35.28
PFCF Ratio
50.36
Price to Book Ratio
12.68
EV to Sales
9.72
EV Over EBITDA
25.35
EV to Operating CashFlow
34.15
EV to FreeCashFlow
48.76
Earnings Yield
0.03
FreeCashFlow Yield
0.02
Market Cap
6,75 Bil.
Enterprise Value
6,53 Bil.
Graham Number
61.98
Graham NetNet
11.95

Income Statement Metrics

Net Income per Share
8.25
Income Quality
0.89
ROE
0.48
Return On Assets
0.31
Return On Capital Employed
0.37
Net Income per EBT
0.94
EBT Per Ebit
1.07
Ebit per Revenue
0.31
Effective Tax Rate
0.03

Margins

Sales, General, & Administrative to Revenue
0.05
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.46
Operating Profit Margin
0.31
Pretax Profit Margin
0.33
Net Profit Margin
0.32

Dividends

Dividend Yield
0
Dividend Yield %
0.1
Payout Ratio
0
Dividend Per Share
0.25

Operating Metrics

Operating Cashflow per Share
7.44
Free CashFlow per Share
5.21
Capex to Operating CashFlow
0.3
Capex to Revenue
0.09
Capex to Depreciation
1.17
Return on Invested Capital
0.37
Return on Tangible Assets
0.34
Days Sales Outstanding
21.56
Days Payables Outstanding
30.52
Days of Inventory on Hand
0
Receivables Turnover
16.93
Payables Turnover
11.96
Inventory Turnover
360385000
Capex per Share
2.23

Balance Sheet

Cash per Share
16,64
Book Value per Share
21,08
Tangible Book Value per Share
18.49
Shareholders Equity per Share
20.7
Interest Debt per Share
0.58
Debt to Equity
0.02
Debt to Assets
0.02
Net Debt to EBITDA
-0.84
Current Ratio
4.48
Tangible Asset Value
0,48 Bil.
Net Current Asset Value
0,41 Bil.
Invested Capital
531644000
Working Capital
0,43 Bil.
Intangibles to Total Assets
0.1
Average Receivables
0,08 Bil.
Average Payables
0,03 Bil.
Average Inventory
0.5
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

R S Software (India) Limited Dividends
Year Dividends Growth
2011 2
2012 3 33.33%
2013 6 50%
2014 6 0%
2015 2 -200%
2016 1 -100%
2024 0 0%

R S Software (India) Limited Profile

About R S Software (India) Limited

R S Software (India) Limited provides software solutions to electronic payment industries in India, the United States, and Japan. It engages in the development, testing, and maintenance of software products. The company's products include RS RTPS, RS DigitalEdge, RS RealEdge, RS BillAbhi-Central, RS BillAbhi-Bank, RS IntelliEdge – Central, RS IntelliEdge – Banks, RS iFinSwitch, RS MerchantEdge, and RS Test2Pay 3DS2.0. It also offers payments modernization, ISO 20022, switching and authorization, clearing and settlement, dispute management, data management and analytics, fraud and risk management, acceptance, electronic bill payments, testing and certification, and tokenization services. The company's solutions cover digital payments, data analytics, emerging payments, merchant acquiring, security and compliance, QA and testing, payment processing, and platform architecture solutions, as well as Payabbhi, a digital payments platform. It serves payment networks, payment processors, banks, merchants, national payments infrastructure, and payment service providers. The company was incorporated in 1987 and is based in Kolkata, India.

CEO
Mr. Rajnit Rai Jain
Employee
148
Address
FMC FORTUNA
Kolkata, 700020

R S Software (India) Limited Executives & BODs

R S Software (India) Limited Executives & BODs
# Name Age
1 Mr. Raghav Raj Jain
Head of Staff Augmentation & Designated Sales Director
70
2 Mr. Sumit Misra
Chief Innovation Officer
70
3 Mr. Vijendra Kumar Surana ACS, AICWA, FCA, MBA
Chief Financial Officer, Compliance Officer & Company Secretary
70
4 Mr. Sujit Shankar Banerjee
General Manager
70
5 Ms. Sunetra Bhattacharya
Vice President of Human Resources
70
6 Mr. Dipankar Dey
Executive Vice President
70
7 Mr. Rajnit Rai Jain
Chief Executive Officer & MD
70
8 Mr. Aniruddha Rai Chaudhuri
General Manager
70
9 Mr. Milind M. Kamat M.S
Chief Operating Officer
70
10 Ms. Shrishti Jain
Head of Global Sales
70

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