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:
₹30.00
▼(-41.53% 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
Niche payments-focused IT services
Specialization in payments and financial-services technology creates durable demand from banks, processors and fintechs that must maintain secure, compliant transaction systems. This focus builds domain expertise and client stickiness from mission-critical integrations, recurring maintenance, and compliance-driven work.
Negative Factors
Negative operating and free cash flow
The company is currently consuming cash rather than generating it, which raises medium-term liquidity and funding risk for sustaining operations, servicing debt, and supporting client delivery. Persistent negative cash flow undermines the ability to self-fund growth or weather contract timing issues without external financing.
Read all positive and negative factors
Positive Factors
Negative Factors
Niche payments-focused IT services
Specialization in payments and financial-services technology creates durable demand from banks, processors and fintechs that must maintain secure, compliant transaction systems. This focus builds domain expertise and client stickiness from mission-critical integrations, recurring maintenance, and compliance-driven work.
Read all positive factors
R. S. Software (India) Limited (RSSOFTWARE) vs. iShares MSCI India ETF (INDA)
Market Cap
₹917.78M
Dividend Yield0.46%
Average Volume (3M)5.66K
Price to Earnings (P/E)―
Beta (1Y)2.29
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
Established in 1987 and based in Kolkata, India, R S Software (India) Limited is a specialist provider of software solutions to the electronic payments industry. The company operates internationally, serving clients in India, the United States, an...
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 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 251.38M | 573.21M | 595.42M | 301.27M | 275.24M |
| Gross Profit | -43.64M | 269.60M | 284.93M | 77.72M | 7.43M |
| EBITDA | -225.75M | 141.91M | 232.72M | -42.86M | -77.95M |
| Net Income | -291.12M | 87.28M | 181.08M | -81.46M | -151.27M |
Balance Sheet | |||||
| Total Assets | 563.55M | 728.85M | 683.33M | 432.14M | 478.50M |
| Cash, Cash Equivalents and Short-Term Investments | 57.93M | 230.19M | 222.28M | 82.33M | 128.34M |
| Total Debt | 150.01M | 5.48M | 15.53M | 24.14M | 866.00K |
| Total Liabilities | 251.17M | 141.86M | 192.25M | 125.13M | 81.22M |
| Stockholders Equity | 292.64M | 573.31M | 481.87M | 302.72M | 387.81M |
Cash Flow | |||||
| Free Cash Flow | -151.58M | 9.57M | 96.82M | -105.24M | 91.46M |
| Operating Cash Flow | -61.85M | 81.46M | 158.47M | -96.06M | 91.46M |
| Investing Cash Flow | -105.42M | -77.02M | -2.94M | 64.67M | -19.95M |
| Financing Cash Flow | -5.00M | -3.76M | 43.00K | 2.28M | -84.21M |
R. S. Software (India) Limited Technical Analysis
Positive
51.31
Price Trends
34.68
Positive
34.03
Positive
47.64
Negative
Market Momentum
-0.25
Negative
61.89
Neutral
91.84
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:RSSOFTWARE, the sentiment is Positive. The current price of 51.31 is above the 20-day moving average (MA) of 32.28, above the 50-day MA of 34.68, and above the 200-day MA of 47.64, indicating a neutral trend. The MACD of -0.25 indicates Negative momentum. The RSI at 61.89 is Neutral, neither overbought nor oversold. The STOCH value of 91.84 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 | ₹49.92B | 12.55 | ― | 1.62% | 7.55% | 7.12% | |
69 Neutral | ₹18.54B | 13.49 | ― | 0.42% | 14.06% | 21.84% | |
67 Neutral | ₹83.44B | 18.44 | ― | 2.00% | 5.36% | 9.42% | |
62 Neutral | ₹31.26B | 14.88 | ― | 3.06% | 18.27% | 49.59% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
44 Neutral | ₹917.78M | -3.43 | ― | 0.46% | -56.14% | -419.18% |
* Technology Sector Average
IN:RSSOFTWARE
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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.