Baid Finserv Limited BAIDFIN NSEFINANCIAL
Financial Services · Credit Services · India
Baid Finserv Limited operates as a non-banking finance company in India. The company provides car loans, commercial vehicle loans, tractors, small and medium enterprise loans, loan against property, construction equipment loans, and other asset backed loans. It also offers life, dwelling, and motor insurance products. Baid Finserv Limited was formerly known as Baid Leasing and Finance Co. Ltd. and changed its name to Baid Finserv Limited in July 2022. The company was incorporated in 1991 and is based in Jaipur, India.
READ MORE ›₹10.33
-3.44% 1Y
Market & Price
Market Cap
₹160.00 Cr
Current Price
₹10.33
High / Low (52W)
₹13.21 / ₹9.10
Beta
0.24
Valuation
Stock P/E
7.60
Industry PE
19.12
Forward P/E
-
PEG Ratio
-
Book Value
₹15.03
Price to Book
0.69
P/S
2.78
EV/EBITDA
-
Dividend Yield
0.95%
Profitability & Returns
ROCE
4.12%
ROE
7.27%
ROA
3.02%
Profit Margin
26.01%
Op Margin
31.53%
EPS (Latest Qtr)
₹0.37
EPS (TTM)
₹1.36
Balance Sheet & Liquidity
Debt/Equity
-
Quick Ratio
25.17
Current Ratio
25.27
Debt
-
Total Assets
₹454.05 Cr
Current Assets
₹438.17 Cr
Working Capital
₹424.54 Cr
Ownership
Promoter Holding
64.62%
Chg in Prom Hold
-
FII / Inst Holding
0.00%
Chg in FII Hold
-
Financial Snapshot
Enterprise Value
-
Total Revenue (TTM)
₹57.57 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-33.27 Cr
Shares Outstanding
₹15.49 Cr
Gross Margin
65.46%
Payout Ratio
7.23%
Growth (CAGR)
Revenue 5Y
19.85%
Profit 5Y
15.23%
Revenue (YoY)
59.70%
Earnings (YoY)
28.20%
PROS
- Excellent profit margin of 26.0%.
- Compounding revenue at 19.9% over 5 years.
- Profit CAGR of 15.2% over 5 years.
CONS
- In a downtrend (50-DMA below 200-DMA).
* The pros and cons are auto-generated from financial metrics.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth
No fundamental data available for this stock.
Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP ₹ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BAIDFIN Baid Finserv Limited NSEFINANCIAL | 10.33 | 7.60 | ₹160.00 Cr | 0.95% | 4.12% | 7.27% | 19.85% | 15.23% |
| 2 | HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL | 744.55 | 16.61 | ₹11.46 L Cr | 1.75% | - | 13.82% | 32.50% | 20.39% |
| 3 | ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL | 1,256.40 | 16.81 | ₹9.01 L Cr | 0.88% | - | 16.36% | 19.65% | 16.78% |
| 4 | SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU | 964.40 | 10.58 | ₹8.90 L Cr | 1.80% | - | 15.48% | 12.19% | 14.39% |
| 5 | KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL | 384.20 | 19.80 | ₹3.82 L Cr | 0.13% | - | 11.39% | 14.58% | 8.92% |
| 6 | LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU | 411.35 | 9.06 | ₹2.60 L Cr | 2.43% | - | 42.36% | 7.61% | 16.86% |
| 7 | SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL | 947.15 | 17.79 | ₹2.23 L Cr | 1.46% | - | 16.38% | 15.48% | 18.59% |
| 8 | SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL | 1,830.10 | 74.06 | ₹1.84 L Cr | 0.15% | - | 13.70% | 11.67% | 12.81% |
| 9 | ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL | 3,538.50 | 53.19 | ₹1.75 L Cr | 0.70% | 98.30% | 85.80% | 28.94% | 29.58% |
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Quarterly Results
Figures in INR.
| Metric | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|
| Revenue | - | 21.34 Cr | 21.09 Cr | 23.78 Cr | 23.83 Cr | 24.62 Cr |
| Cost of Revenue | - | 12.90 Cr | 13.44 Cr | 15.48 Cr | 15.44 Cr | 15.46 Cr |
| Gross Profit | - | 8.44 Cr | 7.65 Cr | 8.29 Cr | 8.39 Cr | 9.16 Cr |
| Operating Expenses | - | 1.98 Cr | 4.65 Cr | 2.19 Cr | 2.20 Cr | 2.61 Cr |
| Operating Income | - | 6.46 Cr | 3.00 Cr | 6.10 Cr | 6.19 Cr | 6.55 Cr |
| EBITDA | - | 6.62 Cr | 4.62 Cr | 6.34 Cr | 6.39 Cr | 6.80 Cr |
| Interest Expense | - | - | - | - | - | - |
| Pretax Income | - | 6.32 Cr | 5.06 Cr | 5.37 Cr | 6.08 Cr | 6.46 Cr |
| Tax Provision | - | 1.59 Cr | 1.42 Cr | 1.35 Cr | 1.53 Cr | 1.71 Cr |
| Net Income | - | 4.73 Cr | 3.64 Cr | 4.02 Cr | 4.55 Cr | 4.75 Cr |
| Diluted EPS | 0.16 | 0.39 | - | 0.33 | 0.37 | 0.37 |
Profit & Loss (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Revenue | 46.99 Cr | 53.33 Cr | 62.79 Cr | 80.90 Cr |
| Cost of Revenue | 27.32 Cr | 28.34 Cr | 38.17 Cr | 53.15 Cr |
| Gross Profit | 19.67 Cr | 24.99 Cr | 24.62 Cr | 27.76 Cr |
| Operating Expenses | 7.63 Cr | 8.66 Cr | 9.29 Cr | 11.05 Cr |
| Operating Income | 12.04 Cr | 16.32 Cr | 15.33 Cr | 16.71 Cr |
| EBITDA | 12.44 Cr | 16.65 Cr | 18.58 Cr | 18.87 Cr |
| Interest Expense | 0 | 0 | - | 0 |
| Pretax Income | 12.15 Cr | 13.99 Cr | 18.10 Cr | 18.14 Cr |
| Tax Provision | 3.37 Cr | 3.61 Cr | 5.17 Cr | 4.69 Cr |
| Net Income | 8.79 Cr | 10.38 Cr | 12.92 Cr | 13.45 Cr |
| Diluted EPS | 0.72 | 0.96 | 1.07 | 1.10 |
Compounded Sales Growth
| 5 Years: | 19.85% |
| 1 Year: | 59.70% |
Compounded Profit Growth
| 5 Years: | 15.23% |
| 1 Year: | 28.20% |
Stock Price Performance
| 1 Year: | -3.44% |
| 6 Months: | +0.29% |
| 3 Months: | -8.75% |
| 1 Month: | -7.69% |
Balance Sheet (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Total Assets | 317.84 Cr | 341.12 Cr | 426.12 Cr | 454.05 Cr |
| Current Assets | 307.09 Cr | 330.42 Cr | 415.09 Cr | 438.17 Cr |
| Cash & Equivalents | 8.58 Cr | 8.99 Cr | 32.57 Cr | 11.31 Cr |
| Inventory | 10.40 L | 4.47 L | 44.68 L | 1.04 Cr |
| Receivables | 11.50 Cr | 4.15 Cr | 3.36 Cr | 3.07 Cr |
| Total Liabilities | 172.01 Cr | 186.11 Cr | 259.34 Cr | 275.01 Cr |
| Current Liabilities | 6.41 Cr | 10.42 Cr | 12.31 Cr | 13.63 Cr |
| Long Term Debt | 159.77 Cr | 170.72 Cr | 241.86 Cr | 255.36 Cr |
| Total Debt | 159.77 Cr | 170.72 Cr | 241.86 Cr | 255.36 Cr |
| Total Equity | 145.83 Cr | 155.01 Cr | 166.78 Cr | 179.03 Cr |
| Shares Outstanding | 12.17 Cr | 12.17 Cr | 12.17 Cr | 12.17 Cr |
Cash Flows (Annual)
Figures in INR.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Operating Cash Flow | 34.00 Cr | 5.53 Cr | -21.77 Cr | 1.93 Cr |
| Investing Cash Flow | -5.58 Cr | 2.81 Cr | -1.59 Cr | -6.15 Cr |
| Financing Cash Flow | -24.27 Cr | -7.93 Cr | 46.94 Cr | -17.03 Cr |
| Capital Expenditure | -29.70 L | -34.95 L | -3.29 Cr | -1.70 Cr |
| Free Cash Flow | 33.70 Cr | 5.18 Cr | -25.06 Cr | 22.35 L |
| Net Change in Cash | 4.15 Cr | 41.53 L | 23.58 Cr | -21.26 Cr |
Ratios (Annual)
Figures in %.
| Metric | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|
| Gross Margin % | 41.9% | 46.9% | 39.2% | 34.3% |
| Operating Margin % | 25.6% | 30.6% | 24.4% | 20.7% |
| Net Margin % | 18.7% | 19.5% | 20.6% | 16.6% |
| ROE % | 6.0% | 6.7% | 7.7% | 7.5% |
| ROCE % | 3.9% | 4.9% | 3.7% | 3.8% |
Shareholding Pattern
Insiders
64.62%
Institutions
0.00%
Public Float
0.00%
Analyst View
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Analyst aggregate. Targets and ratings update periodically; not investment advice.
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