R. S. Software (India) Limited (IN:RSSOFTWARE)
:RSSOFTWARE
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R. S. Software (India) Limited
(RSSOFTWARE)
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Rating:44Neutral
Price Target:
₹34.00
▼(-33.74% Downside)
Action:Reiterated
Date:05/10/26
The score is primarily held down by weak financial performance (FY2026 losses, negative operating/free cash flow, and higher leverage). Technical indicators are mixed with neutral-to-weak momentum, and valuation is constrained by loss-making earnings and no dividend yield data.
Positive Factors
Vertical specialization (payments & financial services)
A focused payments/financial-services specialization creates durable competitive advantage via domain expertise, regulatory and integration know-how, and higher switching costs. This positioning supports repeat business from banks and payment processors and helps win multi‑year programs and compliance-driven upgrades.
Negative Factors
Large FY2026 net loss and revenue decline
A swing from profit to a large loss and falling revenue signals structural margin pressure or contract slippage. Persistent earnings volatility undermines reinvestment capacity, weakens ability to retain talent and deliver consistent product improvements, and makes multi‑period planning and creditor confidence harder to sustain.
Read all positive and negative factors
Positive Factors
Negative Factors
Vertical specialization (payments & financial services)
A focused payments/financial-services specialization creates durable competitive advantage via domain expertise, regulatory and integration know-how, and higher switching costs. This positioning supports repeat business from banks and payment processors and helps win multi‑year programs and compliance-driven upgrades.
Read all positive factors
R. S. Software (India) Limited (RSSOFTWARE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹871.80M
Dividend Yield0.46%
Average Volume (3M)5.66K
Price to Earnings (P/E)―
Beta (1Y)2.00
Revenue Growth-56.14%
EPS Growth-419.18%
CountryIN
Employees148
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)-10.84
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 Japan. It engages in the development, testing, and maintenance of software products. The company's products include RS RTPS,...
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
28
Negative
Balance Sheet
52
Neutral
Cash Flow
24
Negative
| Breakdown | Mar 2026 | Mar 2025 | Mar 2023 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 251.38M | 573.21M | 595.42M | 275.24M | 602.81M |
| Gross Profit | 0.00 | 269.60M | 284.93M | 7.43M | -60.23M |
| EBITDA | -225.75M | 141.91M | 232.72M | -77.95M | -409.29M |
| Net Income | -291.12M | 87.28M | 181.08M | -151.27M | -719.64M |
Balance Sheet | |||||
| Total Assets | 563.55M | 728.85M | 683.33M | 478.50M | 885.54M |
| Cash, Cash Equivalents and Short-Term Investments | 57.93M | 230.19M | 222.28M | 128.34M | 292.50M |
| Total Debt | 150.01M | 5.48M | 15.53M | 866.00K | 0.00 |
| Total Liabilities | 251.17M | 141.86M | 192.25M | 81.22M | 100.18M |
| Stockholders Equity | 292.64M | 573.31M | 481.87M | 387.81M | 750.90M |
Cash Flow | |||||
| Free Cash Flow | -151.58M | 9.57M | 96.82M | 91.46M | -467.78M |
| Operating Cash Flow | -61.85M | 81.46M | 158.47M | 91.46M | -407.46M |
| Investing Cash Flow | -105.42M | -77.02M | -2.94M | -19.95M | 341.21M |
| Financing Cash Flow | -5.00M | -3.76M | 43.00K | -84.21M | -25.18M |
R. S. Software (India) Limited Technical Analysis
Negative
51.31
Price Trends
32.48
Positive
37.43
Negative
51.87
Negative
Market Momentum
-0.46
Positive
44.79
Neutral
38.76
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:RSSOFTWARE, the sentiment is Negative. The current price of 51.31 is above the 20-day moving average (MA) of 36.80, above the 50-day MA of 32.48, and below the 200-day MA of 51.87, indicating a neutral trend. The MACD of -0.46 indicates Positive momentum. The RSI at 44.79 is Neutral, neither overbought nor oversold. The STOCH value of 38.76 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:RSSOFTWARE.
R. S. Software (India) Limited Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | ₹50.15B | 9.80 | ― | 1.62% | 7.55% | 7.12% | |
69 Neutral | ₹74.93B | 12.52 | ― | 2.00% | 5.36% | 9.42% | |
68 Neutral | ₹18.66B | 21.87 | ― | 0.42% | 19.12% | 24.14% | |
66 Neutral | ₹34.68B | 14.03 | ― | ― | 14.00% | 94.80% | |
62 Neutral | ₹32.48B | 10.58 | ― | 3.06% | 18.27% | 49.63% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
44 Neutral | ₹871.80M | -2.02 | ― | 0.46% | -56.14% | -419.18% |
* Technology Sector Average
IN:RSSOFTWARE
R. S. Software (India) Limited
33.75
-26.66
-44.13%
IN:CIGNITITEC
Cigniti Technologies Limited
1,258.90
-268.60
-17.58%
IN:MASTEK
Mastek Limited
1,617.75
-678.46
-29.55%
IN:RSYSTEMS
R Systems International Limited
274.10
-93.20
-25.37%
IN:SAKSOFT
Saksoft Limited
140.75
-30.24
-17.69%
IN:SONATSOFTW
Sonata Software Limited
267.20
-115.10
-30.11%
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.