WEBSITE BSE:511724 NSE: BAIDFIN Inc. Year: 1991 Industry: Finance - NBFC My Bucket: Add Stock
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Baid Finserv Ltd is an Indian non-banking financial company (NBFC) that provides a range of financial services to individuals and businesses. The company offers services such as loan against property, business loans, personal loans, and home loans. Additionally, it also provides services such as insurance, wealth management, and investment advisory. Baid Finserv Ltd operates through a network of branches across multiple cities in India and has a customer base that includes individuals, small and medium-sized enterprises (SMEs), and corporates....Read More
Baid Finserv Ltd is an Indian non-banking financial company (NBFC) that provides a range of financial services to individuals and businesses. The company offers services such as loan against property, business loans, personal loans, and home loans. Additionally, it also provides services such as insurance, wealth management, and investment advisory. Baid Finserv Ltd operates through a network of branches across multiple cities in India and has a customer base that includes individuals, small and medium-sized enterprises (SMEs), and corporates. The company's focus is on providing financial solutions that are tailored to the specific needs of its customers. With a team of experienced professionals and a commitment to customer service, Baid Finserv Ltd aims to be a reliable partner for its customers' financial needs. ...Read Less
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Market Cap ₹180 Cr.
Stock P/E 13.4
P/B 0.8
Current Price ₹11.6
Book Value ₹ 15
Face Value 2
52W High ₹13.9
Dividend Yield 0.86%
52W Low ₹ 9
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 15 | 18 | 15 | 19 | 20 | 21 | 22 | 24 | 24 | 25 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 |
| Total Income | 15 | 18 | 15 | 19 | 20 | 21 | 22 | 24 | 24 | 26 |
| Total Expenditure | 6 | 5 | 6 | 8 | 9 | 8 | 10 | 10 | 10 | 11 |
| Operating Profit | 9 | 12 | 9 | 11 | 11 | 14 | 13 | 14 | 14 | 15 |
| Interest Expense | 6 | 6 | 7 | 7 | 8 | 7 | 7 | 8 | 8 | 8 |
| Depreciation | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit Before Tax | 3 | 5 | 2 | 4 | 3 | 6 | 5 | 5 | 6 | 6 |
| Provision for Tax | 1 | 1 | 1 | 1 | 1 | 2 | 1 | 1 | 2 | 2 |
| Profit After Tax | 3 | 4 | 1 | 3 | 2 | 5 | 4 | 4 | 5 | 5 |
| Adjustments | 0 | -0 | -0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 3 | 4 | 1 | 3 | 2 | 5 | 4 | 4 | 5 | 5 |
| Adjusted Earnings Per Share | 0.2 | 0.3 | 0.1 | 0.3 | 0.2 | 0.4 | 0.3 | 0.3 | 0.4 | 0.3 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 8 | 18 | 28 | 41 | 58 | 63 | 53 | 50 | 55 | 66 | 82 | 95 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 1 | 1 |
| Total Income | 9 | 18 | 29 | 41 | 58 | 63 | 54 | 50 | 56 | 66 | 83 | 96 |
| Total Expenditure | 3 | 8 | 12 | 15 | 17 | 21 | 19 | 18 | 24 | 25 | 34 | 41 |
| Operating Profit | 5 | 10 | 17 | 27 | 41 | 42 | 35 | 32 | 32 | 42 | 48 | 56 |
| Interest Expense | 3 | 6 | 11 | 18 | 28 | 31 | 24 | 20 | 18 | 23 | 29 | 31 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 |
| Profit Before Tax | 2 | 4 | 6 | 8 | 13 | 10 | 10 | 12 | 14 | 18 | 18 | 22 |
| Provision for Tax | 1 | 1 | 2 | 3 | 3 | 3 | 3 | 3 | 4 | 5 | 5 | 6 |
| Profit After Tax | 1 | 3 | 4 | 6 | 10 | 8 | 7 | 9 | 10 | 13 | 13 | 18 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 1 | 3 | 4 | 6 | 10 | 8 | 7 | 9 | 10 | 13 | 13 | 18 |
| Adjusted Earnings Per Share | 0.2 | 0.4 | 0.4 | 0.6 | 0.9 | 0.6 | 0.6 | 0.7 | 0.9 | 1.1 | 1.1 | 1.3 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 24% | 18% | 5% | 26% |
| Operating Profit CAGR | 14% | 14% | 3% | 25% |
| PAT CAGR | 0% | 13% | 10% | 29% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 13% | -31% | 35% | 9% |
| ROE Average | 8% | 8% | 7% | 11% |
| ROCE Average | 11% | 11% | 11% | 13% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 14 | 17 | 36 | 40 | 49 | 130 | 138 | 146 | 155 | 167 | 179 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 4 | 10 | 26 | 110 | 227 | 149 | 120 | 135 | 164 | 233 | 247 |
| Current Liability | 47 | 79 | 96 | 119 | 58 | 61 | 59 | 37 | 22 | 25 | 28 |
| Other Liabilities & Provisions | 0 | 0 | 1 | 1 | -0 | -0 | -0 | -0 | -0 | 0 | 0 |
| Total Liabilities | 64 | 106 | 159 | 271 | 333 | 341 | 316 | 318 | 341 | 426 | 454 |
| Loans | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 2 | 3 | 5 | 10 | 11 | 3 | 3 | 9 | 6 | 5 | 10 |
| Fixed Assets | 1 | 1 | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 4 | 5 |
| Other Loans | 2 | 5 | 101 | 143 | 201 | 202 | 183 | 181 | 219 | 253 | 268 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Current Assets | 60 | 96 | 51 | 116 | 120 | 133 | 129 | 127 | 114 | 164 | 171 |
| Total Assets | 64 | 106 | 159 | 271 | 333 | 341 | 316 | 318 | 341 | 426 | 454 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 1 | 1 | 1 | 2 | 3 | 3 | 2 | 4 | 9 | 9 | 33 |
| Cash Flow from Operating Activities | -10 | -18 | -37 | -45 | -44 | 40 | 50 | 34 | 6 | -22 | 2 |
| Cash Flow from Investing Activities | -2 | -2 | -2 | -5 | -2 | -2 | 0 | -6 | 3 | -2 | -6 |
| Cash Flow from Financing Activities | 12 | 19 | 40 | 51 | 45 | -38 | -49 | -24 | -8 | 47 | -17 |
| Net Cash Inflow / Outflow | 0 | 0 | 0 | 2 | -0 | -1 | 2 | 4 | 0 | 24 | -21 |
| Closing Cash & Cash Equivalent | 1 | 1 | 2 | 3 | 3 | 2 | 4 | 9 | 9 | 33 | 11 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0.19 | 0.44 | 0.39 | 0.55 | 0.95 | 0.62 | 0.61 | 0.72 | 0.85 | 1.06 | 1.1 |
| CEPS(Rs) | 0.22 | 0.48 | 0.41 | 0.59 | 0.99 | 0.66 | 0.65 | 0.75 | 0.88 | 1.1 | 1.16 |
| DPS(Rs) | 0 | 0 | 0.1 | 0.1 | 0.1 | 0 | 0.05 | 0.05 | 0.1 | 0.1 | 0.1 |
| Book NAV/Share(Rs) | 2.25 | 2.69 | 3.55 | 3.95 | 4.79 | 10.68 | 11.3 | 11.98 | 12.73 | 13.7 | 14.71 |
| Net Profit Margin | 14.19 | 15.09 | 13.93 | 13.89 | 16.75 | 12.15 | 13.99 | 17.59 | 18.92 | 19.61 | 16.4 |
| Operating Margin | 62 | 52.51 | 58.93 | 64.34 | 70 | 66.16 | 64.25 | 63.58 | 57.73 | 62.43 | 57.91 |
| PBT Margin | 21.42 | 22.06 | 20.08 | 20.25 | 21.93 | 16.55 | 19.25 | 24.33 | 25.5 | 27.46 | 22.12 |
| ROA(%) | 2.28 | 3.23 | 3 | 2.64 | 3.21 | 2.26 | 2.28 | 2.77 | 3.15 | 3.37 | 3.06 |
| ROE(%) | 8.94 | 17.85 | 14.94 | 14.77 | 21.69 | 8.49 | 5.59 | 6.2 | 6.9 | 8.03 | 7.78 |
| ROCE(%) | 12.17 | 14.57 | 15.2 | 14.02 | 14.67 | 13 | 11.08 | 10.46 | 10.03 | 11.21 | 11.26 |
| Price/Earnings(x) | 10.7 | 8.99 | 17.1 | 29.26 | 7.48 | 11.14 | 4.29 | 23.52 | 39.87 | 17.71 | 8.18 |
| Price/Book(x) | 0.92 | 1.47 | 1.87 | 4.1 | 1.48 | 0.65 | 0.23 | 1.42 | 2.67 | 1.37 | 0.61 |
| Dividend Yield(%) | 0 | 0 | 1.49 | 0.61 | 1.39 | 0 | 1.87 | 0.29 | 0.29 | 0.52 | 1.09 |
| EV/Net Sales(x) | 5.62 | 4.83 | 5.95 | 8.75 | 5.85 | 4.17 | 3.43 | 7.02 | 10.33 | 6.59 | 4.27 |
| EV/Core EBITDA(x) | 8.8 | 9.01 | 9.98 | 13.47 | 8.27 | 6.25 | 5.29 | 10.94 | 17.71 | 10.43 | 7.26 |
| Interest Earned Growth(%) | 15.03 | 115.39 | 56.51 | 43.34 | 41.94 | 7.94 | -14.58 | -6.58 | 9.83 | 20.17 | 24.37 |
| Net Profit Growth | 18.17 | 129.07 | 44.4 | 42.96 | 71.17 | -21.67 | -1.68 | 17.48 | 18.12 | 24.52 | 4.04 |
| EPS Growth(%) | 18.17 | 129.07 | -12.15 | 42.96 | 71.17 | -34.11 | -1.69 | 17.48 | 18.1 | 24.53 | 4.03 |
| Interest Coverage(x) % | 1.53 | 1.72 | 1.52 | 1.46 | 1.46 | 1.33 | 1.43 | 1.62 | 1.79 | 1.78 | 1.62 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 34.8 | 34.8 | 34.98 | 35.41 | 36.25 | 36.25 | 36.25 | 36.25 | 45.71 | 47.39 |
| FII | 0 | 0.03 | 0.03 | 0.04 | 0.01 | 0.28 | 0.29 | 0.26 | 0.21 | 0.2 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 65.2 | 65.17 | 64.99 | 64.55 | 63.74 | 63.47 | 63.46 | 63.49 | 54.09 | 52.41 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 4.18 | 4.18 | 4.2 | 4.25 | 4.35 | 4.35 | 4.35 | 4.35 | 6.86 | 7.34 |
| FII | 0 | 0 | 0 | 0 | 0 | 0.03 | 0.04 | 0.03 | 0.03 | 0.03 |
| DII | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Public | 7.83 | 7.82 | 7.8 | 7.75 | 7.65 | 7.62 | 7.62 | 7.62 | 8.12 | 8.12 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 12.01 | 12.01 | 12.01 | 12.01 | 12.01 | 12.01 | 12.01 | 12.01 | 15.01 | 15.49 |
* The pros and cons are machine generated.
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