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R. S. Software (India) Limited
(RSSOFTWARE)
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Rating:41Neutral
Price Target:
₹30.00
▼(-3.78% Downside)
Action:Reiterated
Date:07/25/26
The score is primarily held down by weak financial performance driven by a shift to significant losses, declining revenue, and volatile cash generation with negative free cash flow. Technical signals also remain bearish with price below key moving averages and negative MACD. Valuation provides limited offset because the negative P/E reflects ongoing losses and no dividend yield data is available.
Positive Factors
Payments domain specialization
Specialization in payments and financial-services software is a durable competitive advantage: it aligns the firm with long-term digital payments growth, requires domain expertise and compliance knowledge, and increases switching costs with enterprise banking customers, supporting revenue durability over months.
Negative Factors
Sharp profitability deterioration
Negative gross profit and a reversal into deep losses indicate core unit economics have broken: revenues no longer cover direct costs. This undermines margin sustainability and implies structural pricing or cost issues that must be addressed for sustained recovery over a 2–6 month timeframe.
Read all positive and negative factors
Positive Factors
Negative Factors
Payments domain specialization
Specialization in payments and financial-services software is a durable competitive advantage: it aligns the firm with long-term digital payments growth, requires domain expertise and compliance knowledge, and increases switching costs with enterprise banking customers, supporting revenue durability over months.
Read all positive factors
R. S. Software (India) Limited (RSSOFTWARE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹805.42M
Dividend YieldN/A
Average Volume (3M)5.66K
Price to Earnings (P/E)―
Beta (1Y)2.10
Revenue Growth-49.83%
EPS Growth-6031.99%
CountryIN
Employees151
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Application
Share Statistics
EPS (TTM)-12.34
Shares Outstanding25,831,211
10 Day Avg. Volume6,392
30 Day Avg. Volume5,655
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)2.01
Price to Sales (P/S)2.34
P/FCF Ratio-3.87
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
R. S. Software (India) Limited Business Overview & Revenue Model
Company Description
R S Software (India) Limited provides software solutions to electronic payment industries in India, the United States, and the United Kingdom. It engages in the development, testing, and maintenance of software products. The company's products inc...
How the Company Makes Money
RSSOFTWARE primarily makes money by providing IT services to clients in the payments and financial services ecosystem and recognizing revenue from delivering contracted software work. Key revenue streams typically include (1) project-based deliver...
R. S. Software (India) Limited Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
44
Neutral
Cash Flow
32
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 232.51M | 251.38M | 573.21M | 595.42M | 301.27M | 275.24M |
| Gross Profit | -174.78M | -43.64M | 269.60M | 284.93M | 77.72M | 7.43M |
| EBITDA | -240.98M | -225.75M | 141.91M | 232.72M | -42.86M | -77.95M |
| Net Income | -330.06M | -291.12M | 87.28M | 181.08M | -81.46M | -151.27M |
Balance Sheet | ||||||
| Total Assets | 497.27M | 563.55M | 728.85M | 683.33M | 432.14M | 478.50M |
| Cash, Cash Equivalents and Short-Term Investments | 36.32M | 86.18M | 230.19M | 222.28M | 82.33M | 128.34M |
| Total Debt | 147.87M | 150.01M | 5.48M | 15.53M | 24.14M | 866.00K |
| Total Liabilities | 260.44M | 251.17M | 141.86M | 192.25M | 125.13M | 81.22M |
| Stockholders Equity | 216.88M | 292.64M | 573.31M | 481.87M | 302.72M | 387.81M |
Cash Flow | ||||||
| Free Cash Flow | -40.00M | -151.58M | 9.57M | 96.82M | -105.24M | 91.46M |
| Operating Cash Flow | 46.99M | -61.85M | 81.46M | 158.47M | -96.06M | 91.46M |
| Investing Cash Flow | -105.50M | -105.42M | -77.02M | -2.94M | 64.67M | -19.95M |
| Financing Cash Flow | 0.00 | -5.00M | -3.76M | 43.00K | 2.28M | -84.21M |
R. S. Software (India) Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | ₹58.13B | 13.90 | ― | 1.42% | 6.64% | 5.07% | |
75 Outperform | ₹22.43B | 16.25 | ― | 0.59% | 14.06% | 21.84% | |
70 Outperform | ₹90.32B | 19.26 | ― | 2.31% | 5.36% | 9.42% | |
62 Neutral | ₹31.09B | 14.58 | ― | 3.06% | 18.27% | 49.59% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
41 Neutral | ₹805.42M | -2.46 | ― | ― | -49.83% | -6031.99% |
* General Sector Average
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R. S. Software (India) Limited Corporate Events
R. S. Software Sets July 23, 2026 Virtual AGM and Book Closure Dates
Jun 17, 2026
R. S. Software (India) Limited has scheduled its Thirty Eighth Annual General Meeting for July 23, 2026, at 11:30 a.m., to be held via video conferencing and other audio-visual means, covering the financial year ended March 31, 2026. The company h...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.