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Baid Finserv Limited BAIDFIN NSEFINANCIAL

Financial Services · Credit Services · India
https://www.baidfinserv.com
Company Profile ↓
₹9.69
-17.38% 1Y
Mkt Cap₹157.07 Cr
P/E8.97
P/B0.67
Div. Yield0.98%
52W High₹12.35
52W Low₹9.01
Book Value₹15.03
EPS (TTM)₹1.08

Company Overview

Baid Finserv Limited operates as a non-banking finance company in India. The company provides car, new and used commercial vehicle, gold, small and medium enterprises, tractors, construction equipment, and other asset backed loans, as well as loan against property. It also offers life, dwelling, and motor insurance products. The company was formerly known as Baid Leasing and Finance Co. Ltd. and changed its name to Baid Finserv Limited in July 2022. Baid Finserv Limited was incorporated in 1991 and is based in Jaipur, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 13.0% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 22.2% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 9.0, below the sector median of 15.2.

Healthy Margins

Maintains a net profit margin of 28.6%.

Recent Developments

  • Mar 2026 Revenue of ₹97.24 Cr (+18.7% YoY); net profit ₹14.97 Cr.
  • Trailing 12 Months Year-on-year growth — revenue -27.3%, earnings -18.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 22.2%, profit CAGR 13.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:22.17%
1 Year:-27.30%

Compounded Profit Growth

5 Years:13.00%
1 Year:-18.20%

Stock Price Performance

1 Year:-17.38%
6 Months:-11.43%
3 Months:-0.64%
1 Month:-9.86%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bearish
52-Week Range 20% of range
₹9.01 ₹12.35
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMABelow
  • RSI (14)36.95 · Neutral
Price Performance
1M-9.86%
3M-0.64%
6M-11.43%
1Y-17.38%
Valuation vs Sector

P/E of 8.97 is below the sector median of 15.25 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 28.6%.
  • Compounding revenue at 22.2% over 5 years.
  • Profit CAGR of 13.0% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
8.97
Industry PE
15.25
Forward P/E est.
10.97
PEG Ratio
-
Book Value
₹15.03
Price to Book
0.67
P/S
3.07
EV/EBITDA
16.23
Dividend Yield
0.98%

Growth (CAGR)

Revenue 5Y
22.17%
Profit 5Y
13.00%
Revenue (YoY)
-27.30%
Earnings (YoY)
-18.20%

Profitability & Returns

ROCE
4.87%
ROE
6.43%
ROA
2.78%
Profit Margin
28.61%
Op Margin
49.75%
Gross Margin
70.82%
EPS (Latest Qtr)
₹0.07
EPS (TTM)
₹1.08

Balance Sheet & Liquidity

Debt/Equity
1.23
Quick Ratio
59.04
Current Ratio
59.06
Debt
₹285.38 Cr
Total Assets
₹539.08 Cr
Current Assets
₹497.20 Cr
Working Capital
₹488.79 Cr

Ownership

Promoter Holding
66.19%
Chg in Prom Hold
4.44%
FII / Inst Holding
0.00%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹157.07 Cr
Total Revenue (TTM)
₹53.49 Cr
EBITDA
₹26.79 Cr
Free Cash Flow
₹-34.87 Cr
Operating Cash Flow
₹-33.27 Cr
Shares Outstanding
₹16.21 Cr
Gross Margin
70.82%
Payout Ratio
9.10%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 BAIDFIN Baid Finserv Limited NSEFINANCIAL 9.69 8.97 ₹157.07 Cr 0.98% 4.87% 6.43% 22.17% 13.00%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 694.05 15.17 ₹10.70 L Cr 1.88% - 13.84% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,398.50 18.08 ₹10.04 L Cr 0.89% - 16.07% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 970.00 10.40 ₹8.95 L Cr 1.82% - 15.18% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 942.10 28.93 ₹5.87 L Cr 0.56% - 16.68% 22.58% 18.23%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 437.00 21.42 ₹4.35 L Cr 0.15% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,212.00 13.63 ₹3.77 L Cr 0.08% - 13.35% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,678.00 26.64 ₹2.69 L Cr 0.07% - 12.58% 22.92% 15.16%
9 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 387.50 8.16 ₹2.45 L Cr 2.59% - 32.53% 7.26% 16.86%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 22.10 Cr23.78 Cr23.83 Cr24.62 Cr25.01 Cr
Cost of Revenue 14.30 Cr15.48 Cr15.44 Cr15.46 Cr15.58 Cr
Gross Profit 7.81 Cr8.29 Cr8.39 Cr9.16 Cr9.43 Cr
Operating Expenses 2.40 Cr2.19 Cr2.20 Cr2.61 Cr2.42 Cr
Operating Income 5.41 Cr6.10 Cr6.19 Cr6.55 Cr7.01 Cr
EBITDA 5.59 Cr6.34 Cr6.39 Cr6.80 Cr7.25 Cr
Interest Expense -----
Pretax Income 5.06 Cr5.37 Cr6.08 Cr6.46 Cr2.17 Cr
Tax Provision 1.42 Cr1.35 Cr1.53 Cr1.71 Cr50.95 L
Net Income 3.64 Cr4.02 Cr4.55 Cr4.75 Cr1.66 Cr
Diluted EPS 0.300.330.370.370.07

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -53.33 Cr63.30 Cr81.91 Cr97.24 Cr
Cost of Revenue -28.34 Cr38.17 Cr54.00 Cr61.96 Cr
Gross Profit -24.99 Cr24.50 Cr27.91 Cr35.28 Cr
Operating Expenses -8.66 Cr9.29 Cr8.80 Cr9.42 Cr
Operating Income -16.32 Cr15.33 Cr19.11 Cr25.85 Cr
EBITDA -16.65 Cr18.58 Cr19.84 Cr26.79 Cr
Interest Expense 00-0-
Pretax Income -13.99 Cr18.10 Cr18.14 Cr20.07 Cr
Tax Provision -3.61 Cr5.17 Cr4.69 Cr5.10 Cr
Net Income -10.38 Cr12.92 Cr13.45 Cr14.97 Cr
Diluted EPS -0.961.071.121.15

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -341.12 Cr426.12 Cr454.05 Cr539.08 Cr
Current Assets -330.43 Cr415.11 Cr420.80 Cr497.20 Cr
Cash & Equivalents -8.99 Cr32.57 Cr11.31 Cr7.09 Cr
Inventory -4.47 L44.68 L1.04 Cr19.13 L
Receivables -4.15 Cr3.36 Cr00
Total Liabilities -186.11 Cr259.34 Cr275.01 Cr306.28 Cr
Current Liabilities -10.42 Cr12.31 Cr6.04 Cr8.42 Cr
Long Term Debt -170.72 Cr241.86 Cr255.36 Cr285.38 Cr
Total Debt -170.72 Cr241.86 Cr255.36 Cr285.38 Cr
Total Equity -155.01 Cr166.78 Cr179.03 Cr232.79 Cr
Shares Outstanding -12.17 Cr12.17 Cr12.17 Cr15.49 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -5.53 Cr-21.77 Cr1.93 Cr-33.27 Cr
Investing Cash Flow -2.81 Cr-1.59 Cr-6.15 Cr-7.79 Cr
Financing Cash Flow --7.93 Cr46.94 Cr-17.03 Cr36.84 Cr
Capital Expenditure --34.95 L-3.29 Cr-1.70 Cr-1.60 Cr
Free Cash Flow -5.18 Cr-25.06 Cr22.35 L-34.87 Cr
Net Change in Cash -41.53 L23.58 Cr-21.26 Cr-4.22 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -46.9%38.7%34.1%36.3%
Operating Margin % -30.6%24.2%23.3%26.6%
Net Margin % -19.5%20.4%16.4%15.4%
ROE % -6.7%7.7%7.5%6.4%
ROCE % -4.9%3.7%4.3%4.9%

Shareholding Pattern

Insiders
66.19%
Institutions
0.00%
Public Float
0.00%

Analyst View

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Latest News

Recent headlines for BAIDFIN

Google News hu, 15 Oct 2026

Baid Finserv Limited (BAIDFIN.NS) stock price, news, quote and history - Yahoo Finance UK

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Google News Wed, 09 Sep 2026

Baid Finserv Holds Flat at ₹12.03; BAIDFIN Remains Range-Bound Between ₹11.43 and ₹12.63 - Triple EMA - siam.in

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Google News Mon, 18 May 2026

Why Did Baid Finserv (NSE: BAIDFIN) Shares Fall Despite Reporting Quarterly Profit? - Kalkine India

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Google News ue, 08 Sep 2026

Baid Finserv (BAIDFIN.NS) Climbs 10.65% to ₹12.05: NSE Movers Eye Key Resistance - Elliott Wave Count - siam.in

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Google News Fri, 24 Feb 2023

BAIDFIN Stock Price and Chart — NSE:BAIDFIN - TradingView

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Google News ue, 15 Sep 2026

Baid Finserv Share Price Today Falls 11.46%: Key Metrics - Univest

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BAIDFIN — Frequently Asked Questions

What is the current share price of Baid Finserv Limited (BAIDFIN)?

As of 2026-10-24 04:55 IST, Baid Finserv Limited (BAIDFIN) trades at ₹9.69 on NSE. Its 52-week range is ₹9.01 to ₹12.35.

What is the market capitalisation of BAIDFIN?

Baid Finserv Limited (BAIDFIN) has a market capitalisation of ₹157.07 Cr on NSE.

What is the P/E ratio of BAIDFIN?

BAIDFIN trades at a trailing price-to-earnings (P/E) ratio of 8.97. The industry average P/E is 15.25. Its price-to-book (P/B) ratio is 0.67.

Does BAIDFIN pay a dividend?

Baid Finserv Limited (BAIDFIN) currently offers a dividend yield of 0.98%.

What is the return on equity (ROE) of BAIDFIN?

BAIDFIN has a return on equity (ROE) of 6.43%. Its return on capital employed (ROCE) is 4.87%.

Is BAIDFIN a good stock to buy?

This page provides a data-driven analysis of Baid Finserv Limited (BAIDFIN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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