Share Price and Basic Stock Data
Last Updated: December 5, 2025, 5:00 am
| PEG Ratio | 0.87 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Baid Finserv Ltd operates as a Non-Banking Financial Company (NBFC) and reported a market capitalization of ₹148 Cr. The company’s share price stood at ₹9.90, reflecting a price-to-earnings (P/E) ratio of 8.74, which is relatively attractive compared to typical sector averages. The company has shown a consistent upward trend in sales, moving from ₹50 Cr in FY 2022 to ₹56 Cr in FY 2023, and is expected to reach ₹82 Cr in FY 2025. Quarterly sales for Jun 2023 reached ₹18.24 Cr, an increase from ₹15.18 Cr in Mar 2023, demonstrating strong revenue growth momentum. This was further supported by a reported operating profit margin (OPM) of 56.64%, indicating effective cost management. The company has a robust operating profit for the quarter ending Jun 2025 projected at ₹13.47 Cr, underscoring its operational efficiency. Overall, Baid Finserv’s revenue trajectory indicates a positive outlook, driven by expanding operations and sales growth.
Profitability and Efficiency Metrics
The profitability metrics for Baid Finserv Ltd are commendable, with a reported return on equity (ROE) of 7.75% and return on capital employed (ROCE) at 11.2%. The company’s net profit for FY 2023 was ₹10 Cr, and it is anticipated to maintain this performance with a net profit of ₹13 Cr in FY 2025. The company’s interest coverage ratio (ICR) stood at 1.64x, indicating a sufficient buffer to cover interest expenses, which stood at ₹29 Cr for FY 2025. Operating profit margins have remained strong, with a high of 70.34% in Jun 2023. However, the company faces challenges such as fluctuating quarterly net profit, which saw a decline to ₹1.08 Cr in Mar 2024. The cash conversion cycle (CCC) of -13 days indicates efficient management of working capital, although the company must continue to monitor profitability amid rising expenses, which reached ₹34 Cr in FY 2025.
Balance Sheet Strength and Financial Ratios
Baid Finserv’s balance sheet reveals a solid financial structure, with total assets reported at ₹454 Cr for FY 2025. The company has maintained a conservative leverage position with total borrowings of ₹272 Cr against reserves of ₹167 Cr, resulting in a debt-to-equity ratio of 1.43. The book value per share increased to ₹14.91, reflecting a healthy growth in shareholder equity. The current ratio stood at 1.62, indicating good liquidity to meet short-term obligations. Despite these strengths, the company’s total liabilities rose to ₹486 Cr, which requires careful management to ensure financial stability. The enterprise value (EV) was recorded at ₹349.80 Cr, with an EV/EBITDA ratio of 7.26, suggesting a reasonable valuation relative to its earnings. These ratios indicate a balanced approach to growth and risk management, aligning with industry norms.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Baid Finserv Ltd demonstrates a stable investor base, with promoters holding 36.25% as of Mar 2025. The public holds a significant 63.49%, indicating a broad base of retail investors, while foreign institutional investors (FIIs) accounted for a mere 0.26%. The increase in the number of shareholders from 5,064 in Dec 2022 to 23,492 in Mar 2025 reflects growing investor confidence in the company’s prospects. However, the low FII participation may suggest a need for enhanced visibility and attractiveness to institutional investors. The consistent promoter holding indicates a strong commitment to the company’s long-term strategy. The dividend payout ratio has remained modest at 8.93% for FY 2025, suggesting that the company is focused on reinvesting profits for growth rather than returning larger amounts to shareholders at this stage.
Outlook, Risks, and Final Insight
The outlook for Baid Finserv Ltd appears positive, driven by consistent revenue growth and strong operational metrics. However, the company faces risks associated with rising expenses and a fluctuating net profit, which could impact overall profitability. Furthermore, the high debt levels may pose challenges if market conditions change. To mitigate these risks, the company must focus on enhancing operational efficiency and maintaining a prudent approach to its borrowing strategy. The increasing interest coverage ratio is a positive indicator, but vigilance is required to sustain this trend. In scenarios where operational efficiency improves and market conditions remain favorable, Baid Finserv could experience accelerated growth. Conversely, any adverse economic conditions or significant increases in borrowing costs could hinder its performance. Overall, the company’s ability to navigate these dynamics will be crucial for its sustained growth trajectory.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Baid Finserv Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 11.3 Cr. | 1.13 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 9.54 Cr. | 0.95 | 9.18/0.85 | 28.1 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 448 Cr. | 137 | 269/130 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.5 Cr. | 16.9 | 35.2/15.0 | 11.5 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 39.2 Cr. | 87.0 | 176/79.1 | 21.0 | 238 | 1.15 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 30,175.13 Cr | 456.01 | 54.22 | 522.84 | 0.22% | 15.80% | 8.84% | 8.50 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 12.84 | 13.38 | 13.46 | 15.18 | 18.24 | 15.01 | 17.51 | 15.15 | 18.89 | 19.65 | 21.34 | 22.12 | 23.78 |
| Expenses | 6.34 | 5.14 | 4.82 | 7.44 | 5.41 | 6.20 | 5.14 | 6.40 | 8.04 | 9.16 | 7.60 | 9.55 | 10.31 |
| Operating Profit | 6.50 | 8.24 | 8.64 | 7.74 | 12.83 | 8.81 | 12.37 | 8.75 | 10.85 | 10.49 | 13.74 | 12.57 | 13.47 |
| OPM % | 50.62% | 61.58% | 64.19% | 50.99% | 70.34% | 58.69% | 70.65% | 57.76% | 57.44% | 53.38% | 64.39% | 56.83% | 56.64% |
| Other Income | 0.93 | 0.00 | 0.01 | -0.06 | 0.07 | 0.25 | 0.07 | 0.05 | 0.47 | 0.06 | 0.01 | 0.02 | 0.13 |
| Interest | 4.27 | 4.83 | 4.55 | 4.03 | 5.29 | 5.51 | 5.71 | 6.54 | 7.09 | 7.65 | 7.26 | 7.34 | 7.99 |
| Depreciation | 0.09 | 0.09 | 0.09 | 0.06 | 0.12 | 0.13 | 1.67 | 0.22 | 0.08 | 0.29 | 0.17 | 0.19 | 0.24 |
| Profit before tax | 3.07 | 3.32 | 4.01 | 3.59 | 7.49 | 3.42 | 5.06 | 2.04 | 4.15 | 2.61 | 6.32 | 5.06 | 5.37 |
| Tax % | 21.17% | 25.00% | 30.17% | 25.63% | 25.23% | 25.15% | 28.66% | 46.57% | 24.58% | 25.29% | 25.16% | 27.87% | 25.14% |
| Net Profit | 2.43 | 2.48 | 2.80 | 2.67 | 5.61 | 2.56 | 3.61 | 1.08 | 3.12 | 1.96 | 4.73 | 3.64 | 4.02 |
| EPS in Rs | 0.20 | 0.21 | 0.23 | 0.22 | 0.47 | 0.21 | 0.30 | 0.09 | 0.26 | 0.16 | 0.39 | 0.30 | 0.33 |
Last Updated: August 19, 2025, 10:45 pm
Below is a detailed analysis of the quarterly data for Baid Finserv Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 23.78 Cr.. The value appears strong and on an upward trend. It has increased from 22.12 Cr. (Mar 2025) to 23.78 Cr., marking an increase of 1.66 Cr..
- For Expenses, as of Jun 2025, the value is 10.31 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 9.55 Cr. (Mar 2025) to 10.31 Cr., marking an increase of 0.76 Cr..
- For Operating Profit, as of Jun 2025, the value is 13.47 Cr.. The value appears strong and on an upward trend. It has increased from 12.57 Cr. (Mar 2025) to 13.47 Cr., marking an increase of 0.90 Cr..
- For OPM %, as of Jun 2025, the value is 56.64%. The value appears to be declining and may need further review. It has decreased from 56.83% (Mar 2025) to 56.64%, marking a decrease of 0.19%.
- For Other Income, as of Jun 2025, the value is 0.13 Cr.. The value appears strong and on an upward trend. It has increased from 0.02 Cr. (Mar 2025) to 0.13 Cr., marking an increase of 0.11 Cr..
- For Interest, as of Jun 2025, the value is 7.99 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7.34 Cr. (Mar 2025) to 7.99 Cr., marking an increase of 0.65 Cr..
- For Depreciation, as of Jun 2025, the value is 0.24 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 0.19 Cr. (Mar 2025) to 0.24 Cr., marking an increase of 0.05 Cr..
- For Profit before tax, as of Jun 2025, the value is 5.37 Cr.. The value appears strong and on an upward trend. It has increased from 5.06 Cr. (Mar 2025) to 5.37 Cr., marking an increase of 0.31 Cr..
- For Tax %, as of Jun 2025, the value is 25.14%. The value appears to be improving (decreasing) as expected. It has decreased from 27.87% (Mar 2025) to 25.14%, marking a decrease of 2.73%.
- For Net Profit, as of Jun 2025, the value is 4.02 Cr.. The value appears strong and on an upward trend. It has increased from 3.64 Cr. (Mar 2025) to 4.02 Cr., marking an increase of 0.38 Cr..
- For EPS in Rs, as of Jun 2025, the value is 0.33. The value appears strong and on an upward trend. It has increased from 0.30 (Mar 2025) to 0.33, marking an increase of 0.03.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: October 15, 2025, 3:50 am
| Metric | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 7 | 8 | 18 | 28 | 41 | 58 | 63 | 54 | 50 | 56 | 66 | 82 | 87 |
| Expenses | 3 | 3 | 8 | 12 | 15 | 17 | 21 | 19 | 18 | 24 | 25 | 34 | 37 |
| Operating Profit | 4 | 5 | 10 | 17 | 26 | 41 | 42 | 35 | 32 | 32 | 41 | 48 | 50 |
| OPM % | 56% | 64% | 53% | 59% | 65% | 70% | 66% | 64% | 64% | 57% | 63% | 58% | 58% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Interest | 2 | 3 | 6 | 11 | 18 | 28 | 31 | 24 | 20 | 18 | 23 | 29 | 30 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 |
| Profit before tax | 2 | 2 | 4 | 6 | 8 | 13 | 10 | 10 | 12 | 14 | 18 | 18 | 19 |
| Tax % | 34% | 34% | 32% | 31% | 31% | 24% | 27% | 27% | 28% | 26% | 29% | 26% | |
| Net Profit | 1 | 1 | 3 | 4 | 6 | 10 | 8 | 7 | 9 | 10 | 13 | 13 | 14 |
| EPS in Rs | 0.17 | 0.20 | 0.45 | 0.39 | 0.56 | 0.96 | 0.63 | 0.62 | 0.73 | 0.86 | 1.08 | 1.12 | 1.18 |
| Dividend Payout % | 0% | 0% | 0% | 13% | 18% | 10% | 0% | 8% | 7% | 12% | 9% | 9% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 0.00% | 200.00% | 33.33% | 50.00% | 66.67% | -20.00% | -12.50% | 28.57% | 11.11% | 30.00% | 0.00% |
| Change in YoY Net Profit Growth (%) | 0.00% | 200.00% | -166.67% | 16.67% | 16.67% | -86.67% | 7.50% | 41.07% | -17.46% | 18.89% | -30.00% |
Baid Finserv Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 26% |
| 5 Years: | 6% |
| 3 Years: | 18% |
| TTM: | 31% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 27% |
| 5 Years: | 12% |
| 3 Years: | 15% |
| TTM: | 38% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 11% |
| 5 Years: | 37% |
| 3 Years: | -20% |
| 1 Year: | -25% |
| Return on Equity | |
|---|---|
| 10 Years: | 8% |
| 5 Years: | 7% |
| 3 Years: | 8% |
| Last Year: | 8% |
Last Updated: September 5, 2025, 2:35 pm
Balance Sheet
Last Updated: December 4, 2025, 2:28 am
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 6 | 6 | 6 | 10 | 10 | 10 | 12 | 12 | 12 | 24 | 24 | 24 | 24 |
| Reserves | 7 | 8 | 11 | 26 | 30 | 39 | 118 | 126 | 134 | 131 | 143 | 155 | 167 |
| Borrowings | 23 | 36 | 65 | 103 | 195 | 269 | 189 | 164 | 160 | 171 | 242 | 255 | 272 |
| Other Liabilities | 4 | 15 | 24 | 19 | 36 | 15 | 22 | 15 | 12 | 15 | 17 | 20 | 22 |
| Total Liabilities | 41 | 64 | 105 | 159 | 271 | 333 | 341 | 316 | 318 | 341 | 426 | 454 | 486 |
| Fixed Assets | 0 | 1 | 1 | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 4 | 5 | 6 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Investments | 1 | 2 | 3 | 5 | 10 | 11 | 3 | 3 | 9 | 6 | 5 | 10 | 13 |
| Other Assets | 39 | 61 | 101 | 153 | 260 | 321 | 336 | 312 | 308 | 333 | 417 | 439 | 467 |
| Total Assets | 41 | 64 | 105 | 159 | 271 | 333 | 341 | 316 | 318 | 341 | 426 | 454 | 486 |
Below is a detailed analysis of the balance sheet data for Baid Finserv Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 24.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 24.00 Cr..
- For Reserves, as of Sep 2025, the value is 167.00 Cr.. The value appears strong and on an upward trend. It has increased from 155.00 Cr. (Mar 2025) to 167.00 Cr., marking an increase of 12.00 Cr..
- For Borrowings, as of Sep 2025, the value is 272.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 255.00 Cr. (Mar 2025) to 272.00 Cr., marking an increase of 17.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 22.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 20.00 Cr. (Mar 2025) to 22.00 Cr., marking an increase of 2.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 486.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 454.00 Cr. (Mar 2025) to 486.00 Cr., marking an increase of 32.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 6.00 Cr.. The value appears strong and on an upward trend. It has increased from 5.00 Cr. (Mar 2025) to 6.00 Cr., marking an increase of 1.00 Cr..
- For CWIP, as of Sep 2025, the value is 0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 0.00 Cr..
- For Investments, as of Sep 2025, the value is 13.00 Cr.. The value appears strong and on an upward trend. It has increased from 10.00 Cr. (Mar 2025) to 13.00 Cr., marking an increase of 3.00 Cr..
- For Other Assets, as of Sep 2025, the value is 467.00 Cr.. The value appears strong and on an upward trend. It has increased from 439.00 Cr. (Mar 2025) to 467.00 Cr., marking an increase of 28.00 Cr..
- For Total Assets, as of Sep 2025, the value is 486.00 Cr.. The value appears strong and on an upward trend. It has increased from 454.00 Cr. (Mar 2025) to 486.00 Cr., marking an increase of 32.00 Cr..
However, the Borrowings (272.00 Cr.) are higher than the Reserves (167.00 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow - No data available for this post.
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -19.00 | -31.00 | -55.00 | -86.00 | -169.00 | -228.00 | -147.00 | -129.00 | -128.00 | -139.00 | -201.00 | -207.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 204 | 287 | -0 | -0 | -0 | -0 | -0 | 74 | 50 | -0 | 2 | -0 |
| Inventory Days | 36 | 31 | ||||||||||
| Days Payable | 144 | 44 | ||||||||||
| Cash Conversion Cycle | 204 | 287 | -0 | -0 | -0 | -0 | -0 | 74 | 50 | -0 | -106 | -13 |
| Working Capital Days | 858 | 506 | -471 | -596 | -51 | -257 | -268 | 79 | 63 | 5 | 11 | 8 |
| ROCE % | 12% | 12% | 14% | 15% | 14% | 15% | 13% | 11% | 10% | 10% | 11% | 11% |
This stock is not held by any mutual fund.
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 10.00 | 10.00 |
| Basic EPS (Rs.) | 1.12 | 1.08 | 0.97 | 7.32 | 6.23 |
| Diluted EPS (Rs.) | 1.12 | 1.08 | 0.97 | 7.32 | 6.23 |
| Cash EPS (Rs.) | 1.18 | 1.12 | 0.89 | 7.56 | 6.47 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 14.91 | 13.89 | 12.91 | 121.45 | 114.58 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 14.91 | 13.89 | 12.91 | 121.45 | 114.58 |
| Dividend / Share (Rs.) | 0.10 | 0.10 | 0.10 | 0.50 | 0.50 |
| Revenue From Operations / Share (Rs.) | 6.83 | 5.49 | 4.57 | 41.59 | 44.52 |
| PBDIT / Share (Rs.) | 4.01 | 3.47 | 2.66 | 26.68 | 28.85 |
| PBIT / Share (Rs.) | 3.95 | 3.43 | 2.64 | 26.45 | 28.61 |
| PBT / Share (Rs.) | 1.51 | 1.51 | 1.17 | 10.12 | 8.57 |
| Net Profit / Share (Rs.) | 1.12 | 1.08 | 0.86 | 7.32 | 6.23 |
| PBDIT Margin (%) | 58.80 | 63.16 | 58.32 | 64.15 | 64.79 |
| PBIT Margin (%) | 57.91 | 62.43 | 57.72 | 63.57 | 64.24 |
| PBT Margin (%) | 22.12 | 27.45 | 25.50 | 24.33 | 19.24 |
| Net Profit Margin (%) | 16.40 | 19.60 | 18.92 | 17.59 | 13.99 |
| Return on Networth / Equity (%) | 7.51 | 7.74 | 6.69 | 6.02 | 5.43 |
| Return on Capital Employeed (%) | 25.66 | 23.85 | 19.90 | 21.23 | 24.40 |
| Return On Assets (%) | 2.96 | 3.03 | 3.04 | 2.76 | 2.36 |
| Total Debt / Equity (X) | 1.43 | 1.45 | 1.10 | 1.10 | 1.19 |
| Asset Turnover Ratio (%) | 0.18 | 0.17 | 0.16 | 0.15 | 0.16 |
| Current Ratio (X) | 1.62 | 1.62 | 1.82 | 1.84 | 1.76 |
| Quick Ratio (X) | 1.61 | 1.62 | 1.82 | 1.84 | 1.76 |
| Inventory Turnover Ratio (X) | 110.33 | 0.00 | 0.00 | 0.00 | 0.00 |
| Dividend Payout Ratio (NP) (%) | 8.93 | 9.29 | 11.56 | 6.83 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 8.47 | 8.95 | 11.21 | 6.61 | 0.00 |
| Earning Retention Ratio (%) | 91.07 | 90.71 | 88.44 | 93.17 | 0.00 |
| Cash Earning Retention Ratio (%) | 91.53 | 91.05 | 88.79 | 93.39 | 0.00 |
| Interest Coverage Ratio (X) | 1.64 | 1.81 | 1.81 | 1.63 | 1.44 |
| Interest Coverage Ratio (Post Tax) (X) | 1.46 | 1.56 | 1.59 | 1.45 | 1.31 |
| Enterprise Value (Cr.) | 349.80 | 434.39 | 566.64 | 350.62 | 183.26 |
| EV / Net Operating Revenue (X) | 4.27 | 6.59 | 10.33 | 7.02 | 3.43 |
| EV / EBITDA (X) | 7.26 | 10.43 | 17.71 | 10.94 | 5.29 |
| MarketCap / Net Operating Revenue (X) | 1.34 | 3.47 | 7.54 | 4.14 | 0.60 |
| Retention Ratios (%) | 91.06 | 90.70 | 88.43 | 93.16 | 0.00 |
| Price / BV (X) | 0.61 | 1.37 | 2.67 | 1.42 | 0.23 |
| Price / Net Operating Revenue (X) | 1.34 | 3.47 | 7.54 | 4.14 | 0.60 |
| EarningsYield | 0.12 | 0.05 | 0.02 | 0.04 | 0.23 |
After reviewing the key financial ratios for Baid Finserv Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 1.12. This value is below the healthy minimum of 5. It has increased from 1.08 (Mar 24) to 1.12, marking an increase of 0.04.
- For Diluted EPS (Rs.), as of Mar 25, the value is 1.12. This value is below the healthy minimum of 5. It has increased from 1.08 (Mar 24) to 1.12, marking an increase of 0.04.
- For Cash EPS (Rs.), as of Mar 25, the value is 1.18. This value is below the healthy minimum of 3. It has increased from 1.12 (Mar 24) to 1.18, marking an increase of 0.06.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 14.91. It has increased from 13.89 (Mar 24) to 14.91, marking an increase of 1.02.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 14.91. It has increased from 13.89 (Mar 24) to 14.91, marking an increase of 1.02.
- For Dividend / Share (Rs.), as of Mar 25, the value is 0.10. This value is below the healthy minimum of 1. There is no change compared to the previous period (Mar 24) which recorded 0.10.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 6.83. It has increased from 5.49 (Mar 24) to 6.83, marking an increase of 1.34.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 4.01. This value is within the healthy range. It has increased from 3.47 (Mar 24) to 4.01, marking an increase of 0.54.
- For PBIT / Share (Rs.), as of Mar 25, the value is 3.95. This value is within the healthy range. It has increased from 3.43 (Mar 24) to 3.95, marking an increase of 0.52.
- For PBT / Share (Rs.), as of Mar 25, the value is 1.51. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.51.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 1.12. This value is below the healthy minimum of 2. It has increased from 1.08 (Mar 24) to 1.12, marking an increase of 0.04.
- For PBDIT Margin (%), as of Mar 25, the value is 58.80. This value is within the healthy range. It has decreased from 63.16 (Mar 24) to 58.80, marking a decrease of 4.36.
- For PBIT Margin (%), as of Mar 25, the value is 57.91. This value exceeds the healthy maximum of 20. It has decreased from 62.43 (Mar 24) to 57.91, marking a decrease of 4.52.
- For PBT Margin (%), as of Mar 25, the value is 22.12. This value is within the healthy range. It has decreased from 27.45 (Mar 24) to 22.12, marking a decrease of 5.33.
- For Net Profit Margin (%), as of Mar 25, the value is 16.40. This value exceeds the healthy maximum of 10. It has decreased from 19.60 (Mar 24) to 16.40, marking a decrease of 3.20.
- For Return on Networth / Equity (%), as of Mar 25, the value is 7.51. This value is below the healthy minimum of 15. It has decreased from 7.74 (Mar 24) to 7.51, marking a decrease of 0.23.
- For Return on Capital Employeed (%), as of Mar 25, the value is 25.66. This value is within the healthy range. It has increased from 23.85 (Mar 24) to 25.66, marking an increase of 1.81.
- For Return On Assets (%), as of Mar 25, the value is 2.96. This value is below the healthy minimum of 5. It has decreased from 3.03 (Mar 24) to 2.96, marking a decrease of 0.07.
- For Total Debt / Equity (X), as of Mar 25, the value is 1.43. This value exceeds the healthy maximum of 1. It has decreased from 1.45 (Mar 24) to 1.43, marking a decrease of 0.02.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.18. It has increased from 0.17 (Mar 24) to 0.18, marking an increase of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 1.62. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.62.
- For Quick Ratio (X), as of Mar 25, the value is 1.61. This value is within the healthy range. It has decreased from 1.62 (Mar 24) to 1.61, marking a decrease of 0.01.
- For Inventory Turnover Ratio (X), as of Mar 25, the value is 110.33. This value exceeds the healthy maximum of 8. It has increased from 0.00 (Mar 24) to 110.33, marking an increase of 110.33.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 8.93. This value is below the healthy minimum of 20. It has decreased from 9.29 (Mar 24) to 8.93, marking a decrease of 0.36.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 8.47. This value is below the healthy minimum of 20. It has decreased from 8.95 (Mar 24) to 8.47, marking a decrease of 0.48.
- For Earning Retention Ratio (%), as of Mar 25, the value is 91.07. This value exceeds the healthy maximum of 70. It has increased from 90.71 (Mar 24) to 91.07, marking an increase of 0.36.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 91.53. This value exceeds the healthy maximum of 70. It has increased from 91.05 (Mar 24) to 91.53, marking an increase of 0.48.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.64. This value is below the healthy minimum of 3. It has decreased from 1.81 (Mar 24) to 1.64, marking a decrease of 0.17.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.46. This value is below the healthy minimum of 3. It has decreased from 1.56 (Mar 24) to 1.46, marking a decrease of 0.10.
- For Enterprise Value (Cr.), as of Mar 25, the value is 349.80. It has decreased from 434.39 (Mar 24) to 349.80, marking a decrease of 84.59.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 4.27. This value exceeds the healthy maximum of 3. It has decreased from 6.59 (Mar 24) to 4.27, marking a decrease of 2.32.
- For EV / EBITDA (X), as of Mar 25, the value is 7.26. This value is within the healthy range. It has decreased from 10.43 (Mar 24) to 7.26, marking a decrease of 3.17.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 1.34. This value is within the healthy range. It has decreased from 3.47 (Mar 24) to 1.34, marking a decrease of 2.13.
- For Retention Ratios (%), as of Mar 25, the value is 91.06. This value exceeds the healthy maximum of 70. It has increased from 90.70 (Mar 24) to 91.06, marking an increase of 0.36.
- For Price / BV (X), as of Mar 25, the value is 0.61. This value is below the healthy minimum of 1. It has decreased from 1.37 (Mar 24) to 0.61, marking a decrease of 0.76.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 1.34. This value is within the healthy range. It has decreased from 3.47 (Mar 24) to 1.34, marking a decrease of 2.13.
- For EarningsYield, as of Mar 25, the value is 0.12. This value is below the healthy minimum of 5. It has increased from 0.05 (Mar 24) to 0.12, marking an increase of 0.07.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
|
Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Baid Finserv Ltd:
- Net Profit Margin: 16.4%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 25.66% (Industry Average ROCE: 15.8%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 7.51% (Industry Average ROE: 8.76%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.46
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.61
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 8.77 (Industry average Stock P/E: 40.01)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 1.43
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 16.4%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | Baid House, IInd Floor, Jaipur Rajasthan 302006 | baidfinance@baidgroup.in http://www.baidfinserv.com |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Panna Lal Baid | Chairman & Managing Director |
| Mr. Aman Baid | Whole Time Director |
| Mrs. Alpana Baid | Non Executive Director |
| Mr. Surendra Kumar Singhi | Ind. Non-Executive Director |
| Mr. Chaitnya Sharma | Ind. Non-Executive Director |
| Mr. Anurag Patni | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of Baid Finserv Ltd?
Baid Finserv Ltd's intrinsic value (as of 04 December 2025) is 6.98 which is 29.49% lower the current market price of 9.90, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 149 Cr. market cap, FY2025-2026 high/low of 17.7/8.95, reserves of ₹167 Cr, and liabilities of 486 Cr.
What is the Market Cap of Baid Finserv Ltd?
The Market Cap of Baid Finserv Ltd is 149 Cr..
What is the current Stock Price of Baid Finserv Ltd as on 04 December 2025?
The current stock price of Baid Finserv Ltd as on 04 December 2025 is 9.90.
What is the High / Low of Baid Finserv Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Baid Finserv Ltd stocks is 17.7/8.95.
What is the Stock P/E of Baid Finserv Ltd?
The Stock P/E of Baid Finserv Ltd is 8.77.
What is the Book Value of Baid Finserv Ltd?
The Book Value of Baid Finserv Ltd is 12.7.
What is the Dividend Yield of Baid Finserv Ltd?
The Dividend Yield of Baid Finserv Ltd is 1.01 %.
What is the ROCE of Baid Finserv Ltd?
The ROCE of Baid Finserv Ltd is 11.2 %.
What is the ROE of Baid Finserv Ltd?
The ROE of Baid Finserv Ltd is 7.75 %.
What is the Face Value of Baid Finserv Ltd?
The Face Value of Baid Finserv Ltd is 2.00.