Buy

Average of 2 AIs

↑ Improved from previous

Last Updated: 14 Feb 2026, 09:12 pm IST | Report Date: Feb 14, 2026

Reliable Data Services Limited Stock Analysis

Name: Reliable Data Services Limited (RELIABLE) Stock Analysis
Brand: NSE India
Rating: 6.7 (2 reviews)

RELIABLE NSE India

7.5

Claude

Buy

5.8

ChatGPT

Hold

Reliable Data Services Limited (RELIABLE) is a India-based company listed on NSE. This AI-powered analysis provides investment insights based on quarterly earnings reports and financial performance metrics.

Share Share Share

Reliable Data Services demonstrates strong operational momentum in Q3 FY2025-26 with consolidated revenue growing 56.2% YoY to Rs. 2,345.95 lakhs and profit after tax surging 93.6% YoY to Rs. 314.54 lakhs. The BFSI segment, which drives 64% of revenues, posted robust 65% YoY growth, indicating successful client expansion and service deepening. Operating profit margin improved significantly, and the company maintains a debt-free balance sheet with no finance costs on standalone basis, ensuring financial flexibility. The appointment of an independent director signals maturing governance practices suitable for a growing mid-cap.

Based on: Reliable Data Services Limited - Financial Results (14/2/2026) (Feb 14, 2026)

AI Investment Score & Analysis

+ Key Strengths

Consolidated revenue grew 56.2% YoY from Rs. 1,502.51 lakhs (Q3 FY24-25) to Rs. 2,345.95 lakhs (Q3 FY25-26), demonstrating strong top-line acceleration

Consolidated PAT surged 93.6% YoY from Rs. 162.39 lakhs to Rs. 314.54 lakhs, with 9-month PAT up 20.8% to Rs. 804.60 lakhs, reflecting improving profitability

BFSI segment revenue jumped 65% YoY to Rs. 1,501.41 lakhs in Q3, capturing 64% of total revenues and showing deep sector penetration

Standalone business remains debt-free with zero finance costs, ensuring balance sheet resilience and low financial risk profile

Consolidated 9-month revenue reached Rs. 13,204.33 lakhs (up 68.6% YoY), indicating sustained full-year growth trajectory well above industry benchmarks

- Key Risks

Client concentration risk evident as BFSI segment contributes 64% of consolidated revenues, exposing the company to sector-specific downturns or regulatory changes

Standalone quarterly profit before tax declined 21.8% QoQ from Rs. 196.70 lakhs (Q2) to Rs. 139.41 lakhs (Q3), suggesting volatility in core business momentum

Non-BFSI segment revenue fell 30% QoQ from Rs. 1,206.92 lakhs to Rs. 844.54 lakhs, indicating weak diversification and over-reliance on financial services

Limited disclosure on cash flow, working capital, or capex plans restricts visibility into liquidity position and growth investment capacity

No commentary on order book, pipeline visibility, or client wins in the quarterly results, creating uncertainty around sustainability of high growth rates

Forward Outlook

The company strengthened its governance framework this quarter by appointing Mrs. Bhoomika Aditya Gupta as an independent director with 16 years of corporate governance experience, signaling readiness for scaled operations and potential regulatory compliance enhancements. However, the quarterly results and board communications contain no forward guidance, new project announcements, capacity expansion plans, or strategic initiatives beyond the governance appointment. Given the 56% YoY revenue growth and 93% PAT growth in Q3, the momentum appears strong, but lack of stated catalysts or pipeline visibility makes it difficult to assess whether this pace is sustainable beyond FY2025-26. Investors should watch for management commentary on client acquisition trends, BFSI wallet share expansion, and Non-BFSI revival strategies in upcoming quarters to validate the high growth trajectory.

Detailed AI Analysis by Provider

7.5

Anthropic Claude Buy

claude-cli (Claude Code)

Forward Outlook

Strengths

Consolidated revenue grew 56.2% YoY from Rs. 1,502.51 lakhs (Q3 FY24-25) to Rs. 2,345.95 lakhs (Q3 FY25-26), demonstrating strong top-line acceleration

Consolidated PAT surged 93.6% YoY from Rs. 162.39 lakhs to Rs. 314.54 lakhs, with 9-month PAT up 20.8% to Rs. 804.60 lakhs, reflecting improving profitability

BFSI segment revenue jumped 65% YoY to Rs. 1,501.41 lakhs in Q3, capturing 64% of total revenues and showing deep sector penetration

Standalone business remains debt-free with zero finance costs, ensuring balance sheet resilience and low financial risk profile

Consolidated 9-month revenue reached Rs. 13,204.33 lakhs (up 68.6% YoY), indicating sustained full-year growth trajectory well above industry benchmarks

Risks

Client concentration risk evident as BFSI segment contributes 64% of consolidated revenues, exposing the company to sector-specific downturns or regulatory changes

Standalone quarterly profit before tax declined 21.8% QoQ from Rs. 196.70 lakhs (Q2) to Rs. 139.41 lakhs (Q3), suggesting volatility in core business momentum

Non-BFSI segment revenue fell 30% QoQ from Rs. 1,206.92 lakhs to Rs. 844.54 lakhs, indicating weak diversification and over-reliance on financial services

Limited disclosure on cash flow, working capital, or capex plans restricts visibility into liquidity position and growth investment capacity

No commentary on order book, pipeline visibility, or client wins in the quarterly results, creating uncertainty around sustainability of high growth rates

5.8

OpenAI ChatGPT Hold

codex-cli (OpenAI Codex)

Overall verdict: HOLD, as Reliable Data Services shows mixed fundamentals with profitability resilience but weak revenue momentum and limited forward disclosures. Consolidated Q3 FY26 revenue from operations fell to Rs 2,345.95 lakh (vs Rs 6,912.94 lakh QoQ and Rs 3,340.74 lakh YoY), yet profit before tax improved to Rs 425.06 lakh from Rs 303.01 lakh in Q2, indicating strong cost control in the quarter. Reported net profit was Rs 314.54 lakh (vs Rs 224.24 lakh QoQ), while finance cost stayed contained at Rs 99.46 lakh versus Rs 245.96 lakh in the prior-year quarter. At the same time, earnings quality remains uneven because revenue volatility is high and EPS (after extraordinary items) is lower YoY at 3.05 vs 7.80, despite YTD scale-up (revenue Rs 13,204.33 lakh vs Rs 7,846.83 lakh).

Forward Outlook

Strategically, the key disclosed move this quarter was governance-focused: appointment of Mrs. Bhoomika Aditya Gupta as Independent Director (effective February 14, 2026), subject to shareholder approval through postal ballot. No new projects, acquisitions, partnerships, product launches, or capacity expansion plans were disclosed in the report. For the next 2-4 quarters, the main formal catalyst is completion of the postal ballot/director appointment process rather than a business expansion trigger. Operating momentum is mixed: profits improved sequentially, but revenue decelerated sharply both QoQ and YoY, so near-term performance will likely depend on whether top-line normalizes while preserving current cost discipline.

Strengths

Q3 FY26 net profit rose to Rs 314.54 lakh from Rs 224.24 lakh in Q2 FY26, showing sequential earnings recovery.

Profit before tax increased to Rs 425.06 lakh in Q3 FY26 versus Rs 303.01 lakh in Q2 FY26 despite lower revenue, implying margin support from cost actions.

Finance cost declined sharply YoY to Rs 99.46 lakh in Q3 FY26 from Rs 245.96 lakh in Q3 FY25, reducing earnings pressure.

YTD (9M FY26) consolidated revenue reached Rs 13,204.33 lakh versus Rs 7,846.83 lakh in 9M FY25, indicating stronger scale versus last year.

Both segments remain meaningful contributors in Q3 FY26: BFSI revenue Rs 1,501.41 lakh and Non-BFSI revenue Rs 844.54 lakh, supporting business diversification.

Risks

Consolidated revenue from operations dropped sharply to Rs 2,345.95 lakh in Q3 FY26 from Rs 6,912.94 lakh in Q2 FY26, indicating significant quarter-to-quarter volatility.

YoY revenue decline is also material: Rs 2,345.95 lakh in Q3 FY26 vs Rs 3,340.74 lakh in Q3 FY25.

EPS after extraordinary items fell to 3.05 in Q3 FY26 from 7.80 in Q3 FY25, signaling weaker per-share earnings versus last year.

The company states segment assets/liabilities are used interchangeably and not allocated, which limits transparency on segment-level capital efficiency and risk.

No cash flow, debt stock, or capex detail is provided in this filing, constraining assessment of liquidity strength and balance-sheet sustainability.

Score History

Score Timeline

Quarterly Report News Event

All Scores

Date	Report	Score	Sentiment	AI
Feb 14, 2026	Reliable Data Services Limited - Financial Results (14/2/2026)	7.5	Buy	Claude
Reliable Data Services demonstrates strong operational momentum in Q3 FY2025-26 with consolidated revenue growing 56.2% YoY to Rs. 2,345.95 lakhs and profit after tax surging 93.6% YoY to Rs. 314.54 lakhs. The BFSI segment, which drives 64% of revenues, posted robust 65% YoY growth, indicating successful client expansion and service deepening. Operating profit margin improved significantly, and the company maintains a debt-free balance sheet with no finance costs on standalone basis, ensuring financial flexibility. The appointment of an independent director signals maturing governance practices suitable for a growing mid-cap. STRENGTHS: Consolidated revenue grew 56.2% YoY from Rs. 1,502.51 lakhs (Q3 FY24-25) to Rs. 2,345.95 lakhs (Q3 FY25-26), demonstrating strong top-line acceleration / Consolidated PAT surged 93.6% YoY from Rs. 162.39 lakhs to Rs. 314.54 lakhs, with 9-month PAT up 20.8% to Rs. 804.60 lakhs, reflecting improving profitability / BFSI segment revenue jumped 65% YoY to Rs. 1,501.41 lakhs in Q3, capturing 64% of total revenues and showing deep sector penetration / Standalone business remains debt-free with zero finance costs, ensuring balance sheet resilience and low financial risk profile / Consolidated 9-month revenue reached Rs. 13,204.33 lakhs (up 68.6% YoY), indicating sustained full-year growth trajectory well above industry benchmarks RISKS: Client concentration risk evident as BFSI segment contributes 64% of consolidated revenues, exposing the company to sector-specific downturns or regulatory changes / Standalone quarterly profit before tax declined 21.8% QoQ from Rs. 196.70 lakhs (Q2) to Rs. 139.41 lakhs (Q3), suggesting volatility in core business momentum / Non-BFSI segment revenue fell 30% QoQ from Rs. 1,206.92 lakhs to Rs. 844.54 lakhs, indicating weak diversification and over-reliance on financial services / Limited disclosure on cash flow, working capital, or capex plans restricts visibility into liquidity position and growth investment capacity / No commentary on order book, pipeline visibility, or client wins in the quarterly results, creating uncertainty around sustainability of high growth rates
Feb 14, 2026	Reliable Data Services Limited - Financial Results (14/2/2026)	5.8	Hold	ChatGPT
Overall verdict: HOLD, as Reliable Data Services shows mixed fundamentals with profitability resilience but weak revenue momentum and limited forward disclosures. Consolidated Q3 FY26 revenue from operations fell to Rs 2,345.95 lakh (vs Rs 6,912.94 lakh QoQ and Rs 3,340.74 lakh YoY), yet profit before tax improved to Rs 425.06 lakh from Rs 303.01 lakh in Q2, indicating strong cost control in the quarter. Reported net profit was Rs 314.54 lakh (vs Rs 224.24 lakh QoQ), while finance cost stayed contained at Rs 99.46 lakh versus Rs 245.96 lakh in the prior-year quarter. At the same time, earnings quality remains uneven because revenue volatility is high and EPS (after extraordinary items) is lower YoY at 3.05 vs 7.80, despite YTD scale-up (revenue Rs 13,204.33 lakh vs Rs 7,846.83 lakh). STRENGTHS: Q3 FY26 net profit rose to Rs 314.54 lakh from Rs 224.24 lakh in Q2 FY26, showing sequential earnings recovery. / Profit before tax increased to Rs 425.06 lakh in Q3 FY26 versus Rs 303.01 lakh in Q2 FY26 despite lower revenue, implying margin support from cost actions. / Finance cost declined sharply YoY to Rs 99.46 lakh in Q3 FY26 from Rs 245.96 lakh in Q3 FY25, reducing earnings pressure. / YTD (9M FY26) consolidated revenue reached Rs 13,204.33 lakh versus Rs 7,846.83 lakh in 9M FY25, indicating stronger scale versus last year. / Both segments remain meaningful contributors in Q3 FY26: BFSI revenue Rs 1,501.41 lakh and Non-BFSI revenue Rs 844.54 lakh, supporting business diversification. RISKS: Consolidated revenue from operations dropped sharply to Rs 2,345.95 lakh in Q3 FY26 from Rs 6,912.94 lakh in Q2 FY26, indicating significant quarter-to-quarter volatility. / YoY revenue decline is also material: Rs 2,345.95 lakh in Q3 FY26 vs Rs 3,340.74 lakh in Q3 FY25. / EPS after extraordinary items fell to 3.05 in Q3 FY26 from 7.80 in Q3 FY25, signaling weaker per-share earnings versus last year. / The company states segment assets/liabilities are used interchangeably and not allocated, which limits transparency on segment-level capital efficiency and risk. / No cash flow, debt stock, or capex detail is provided in this filing, constraining assessment of liquidity strength and balance-sheet sustainability.

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Frequently Asked Questions

What is the AI Stock Score?

The AI Stock Score is a composite rating from 0-10 generated by analyzing quarterly earnings reports using three leading AI models (Google Gemini, Anthropic Claude, and OpenAI ChatGPT). Each AI independently evaluates financial performance, growth prospects, risks, and market positioning to provide an objective investment perspective.

How should I interpret Buy/Hold/Sell ratings?

Buy (7.0-10.0): Strong fundamentals and positive outlook. Hold (4.0-6.9): Mixed signals, suitable for existing positions. Sell (0-3.9): Deteriorating fundamentals or significant risks. These are AI-generated opinions for informational purposes only, not investment advice.

How is the composite score calculated?

The composite score is the mathematical average of the latest scores from each AI provider. For example, if Gemini rates 7.5, Claude rates 4.5, and ChatGPT rates 6.0, the composite score would be (7.5+4.5+6.0)/3 = 6.0. This multi-AI approach reduces bias from any single model.

How often are scores updated?

Scores are automatically generated within hours of quarterly earnings results being published on NSE. The system monitors earnings announcements 4 times daily and processes new reports immediately. Check the "Last Updated" date at the top of this page for the most recent analysis timestamp.

Is this financial advice?

No. This is AI-generated analysis for informational and educational purposes only. MarketsHost is not a SEBI-registered Research Analyst or Investment Adviser. AI models can produce inaccurate results. Always consult a qualified financial advisor and conduct your own due diligence before making investment decisions.