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Last Updated: April 2, 2026, 4:11 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 511724 | NSE: BAIDFIN

Baid Finserv Ltd: Intrinsic Value & Share Price Analysis

Fair Value

₹7.37Overvalued by 27.75%vs CMP ₹10.20

P/E (9.3) × ROE (7.8%) × BV (₹12.70) × DY (0.99%)

₹14.10Undervalued by 38.24%vs CMP ₹10.20
MoS: +27.7% (Adequate)Confidence: 53/100 (Moderate)Models: 6 Under, 3 Over
ModelCategoryValueWeightSignal
PE-ROEEarnings₹8.3921%Over (-17.7%)
Graham NumberEarnings₹17.9715%Under (+76.2%)
Earnings PowerEarnings₹6.7713%Over (-33.6%)
DCFCash Flow₹21.4113%Under (+109.9%)
Net Asset ValueAssets₹12.417%Under (+21.7%)
EV/EBITDAEnterprise₹0.528%Over (-94.9%)
Dividend DiscountDividends₹27.508%Under (+169.6%)
Earnings YieldEarnings₹11.307%Under (+10.8%)
ROCE CapitalReturns₹25.238%Under (+147.4%)
Consensus (9 models)₹14.10100%Undervalued
Key Drivers: Wide model spread (₹1–₹28) — high uncertainty.

PE-ROE · Graham · EPV · DCF · NAV · EV/EBITDA · DDM · Earnings Yield · ROCE Capital · Revenue Multiple | CoE: 12% · Terminal: 4% · EPS CAGR: 13.9%

*Investments are subject to market risks

Investment Snapshot

62
Baid Finserv Ltd scores 62/100 (Average)
Based on 5 dimensions: health, institutional flow, earnings quality, momentum, and peer comparison
Stock Health58/100 · Moderate
ROCE 11.2% AverageROE 7.8% AverageD/E 1.19 High debtInterest Coverage 0.0x RiskyProfitable 5/5 years Consistent
Smart Money60/100 · Moderate
FII holding stable No changePromoter increased by 1.68% Positive
Earnings Quality60/100 · Moderate
Working capital: 8 days (improving) Efficient
Quarterly Momentum70/100 · Strong
Profit (4Q): +56% YoY Strong
Industry Rank65/100 · Strong
P/E 9.3 vs industry 101.6 Cheaper than peersROCE 11.2% vs industry 15.8% Average

Weights: Health 30% · Earnings Quality 25% · Momentum 20% · Industry Rank 15% · Smart Money 10%. Scores are computed from reported financials and recalculated daily. Not investment advice.

Baid Finserv Ltd Investor Signals

Computed from valuation, cash flow, balance sheet, ownership and quarterly trend data already available in this stock page.

Value Trap Score
40/100
Moderate
Derived from: Cheapness + weak quality + weak cash support
Current data: P/E 9.3 vs Ind 101.6 | ROCE 11.2% | ROE 7.8% | CFO/NP N/A
Balance Sheet Stress
30/100
Comfortable
Derived from: Leverage + debt servicing + liquidity + debt trend
Current data: D/E 1.19x | IntCov 0.0x | Current 1.76x | Borrow/Reserve 0.00x
Cash Flow Reliability
29/100
Weak
Derived from: Cash backing of earnings + working capital pressure
Current data: CFO ₹0 Cr | NP ₹13 Cr | CFO/NP N/A
Ownership Accumulation
0
Neutral
Derived from: FII + DII + promoter direction, adjusted by crowding
Current data: FII -0.01 pp | DII N/A | Prom +1.68 pp
Business Momentum
+5
Stable
Derived from: Latest quarter sales + profit + OPM change
Current data: Q Sales N/A | Q NP +4.4% | Q OPM N/A
Derived FieldValueHow it is derived
Valuation Gap %+38.2%((Fair Value - CMP) / CMP) × 100
Borrowings / Reserves0.00xLatest borrowings divided by latest reserves
CFO / Net ProfitN/ALatest operating cash flow divided by latest net profit
FII Change-0.01 ppLatest FII% minus previous FII%
DII ChangeN/ALatest DII% minus previous DII%
Promoter Change+1.68 ppLatest promoter% minus previous promoter%
Shareholder Count Change+280Latest shareholder count minus previous count
Quarterly Sales ChangeN/ALatest quarter sales vs previous quarter sales
Quarterly Profit Change+4.4%Latest quarter net profit vs previous quarter net profit
Quarterly OPM ChangeN/ALatest quarter OPM minus previous quarter OPM

Share Price and Basic Stock Data

Last Updated: April 2, 2026, 4:11 am

Market Cap 157 Cr.
Current Price 10.2
Intrinsic Value₹14.10
High / Low 13.9/8.80
Stock P/E9.27
Book Value 12.7
Dividend Yield0.99 %
ROCE11.2 %
ROE7.75 %
Face Value 2.00
PEG Ratio0.67

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Baid Finserv Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Baid Finserv Ltd 157 Cr. 10.2 13.9/8.809.27 12.70.99 %11.2 %7.75 % 2.00
Abate As Industries Ltd 175 Cr. 11.1 26.2/9.6293.3 10.40.00 %0.65 %0.66 % 10.0
Credent Global Finance Ltd 180 Cr. 29.3 35.1/20.76.37 16.40.00 %4.04 %9.21 % 2.00
Available Finance Ltd 134 Cr. 132 248/1221.12 1,2370.00 %0.03 %9.15 % 10.0
Apollo Finvest (India) Ltd 131 Cr. 350 659/31818.9 1910.00 %14.7 %11.4 % 10.0
Industry Average22,241.21 Cr369.74101.56513.160.26%15.81%8.84%8.50

All Competitor Stocks of Baid Finserv Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue13.4615.1818.2415.0117.5115.1518.8919.6521.3422.1223.7823.8424.63
Interest 4.554.035.295.515.716.547.097.657.267.347.997.998.18
Expenses 4.827.445.416.205.146.408.049.167.609.5510.319.7110.84
Financing Profit4.093.717.543.306.662.213.762.846.485.235.486.145.61
Financing Margin %30.39%24.44%41.34%21.99%38.04%14.59%19.90%14.45%30.37%23.64%23.04%25.76%22.78%
Other Income 0.01-0.060.070.250.070.050.470.060.010.020.130.141.10
Depreciation 0.090.060.120.131.670.220.080.290.170.190.240.200.25
Profit before tax 4.013.597.493.425.062.044.152.616.325.065.376.086.46
Tax % 30.17%25.63%25.23%25.15%28.66%46.57%24.58%25.29%25.16%27.87%25.14%25.16%26.47%
Net Profit 2.802.675.612.563.611.083.121.964.733.644.024.554.75
EPS in Rs 0.190.180.370.170.240.070.210.130.320.240.270.300.32
Gross NPA %
Net NPA %

Last Updated: March 3, 2026, 11:58 am

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: February 27, 2026, 12:05 am

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue781828415863545056668294
Interest 23611182831242018232932
Expenses 33812151721191824253440
Financing Profit224681311101214181922
Financing Margin %22%23%23%21%21%22%17%19%25%26%28%23%24%
Other Income 0000000000001
Depreciation 0000000000011
Profit before tax 224681310101214181823
Tax % 34%34%32%31%31%24%27%27%28%26%29%26%
Net Profit 113461087910131317
EPS in Rs 0.130.160.360.320.450.770.510.500.590.690.860.901.13
Dividend Payout % 0%0%0%13%18%10%0%8%7%12%9%9%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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: February 1, 2026, 2:24 am

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 66610101012121224242424
Reserves 7811263039118126134131143155167
Borrowing233665103195269189164160171242255272
Other Liabilities 4152419361522151215172022
Total Liabilities 4164105159271333341316318341426454486
Fixed Assets 0111221111456
CWIP 0000000000000
Investments 12351011339651013
Other Assets 3961101153260321336312308333417439467
Total Assets 4164105159271333341316318341426454486

Reserves and Borrowings Chart

Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + 3-10-18-37-45-444050346-222
Cash from Investing Activity + -0-2-2-2-5-2-20-63-2-6
Cash from Financing Activity + -21219405145-38-49-24-847-17
Net Cash Flow 10002-0-124024-21
Free Cash Flow 3-11-18-37-46-444050345-250
CFO/OP 65%-189%-183%-220%-169%-108%103%154%117%29%-40%14%

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-20.00-33.00-57.00-91.00-180.00-252.00-168.00-145.00-142.00-147.00-217.00-221.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days 204287-0-0-0-0-07450-02-0
Inventory Days 3631
Days Payable 14444
Cash Conversion Cycle 204287-0-0-0-0-07450-0-106-13
Working Capital Days 858506-471-596-51-257-26879635118
ROCE %12%12%14%15%14%15%13%11%10%10%11%11%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters 34.80%34.81%34.81%34.81%34.98%35.42%36.25%36.25%36.25%36.25%45.71%47.39%
FIIs 0.09%0.00%0.00%0.03%0.03%0.04%0.01%0.29%0.29%0.26%0.21%0.20%
Public 65.10%65.19%65.20%65.18%64.99%64.55%63.75%63.46%63.45%63.49%54.10%52.41%
No. of Shareholders 5,51810,59910,42713,57316,60620,11322,07123,39023,63323,49223,16423,444

Shareholding Pattern Chart

No. of Shareholders

Baid Finserv Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

This stock is not held by any mutual fund.

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 2.002.002.0010.0010.00
Basic EPS (Rs.) 1.121.080.977.326.23
Diluted EPS (Rs.) 1.121.080.977.326.23
Cash EPS (Rs.) 1.181.120.897.566.47
Book Value[Excl.RevalReserv]/Share (Rs.) 14.9113.8912.91121.45114.58
Book Value[Incl.RevalReserv]/Share (Rs.) 14.9113.8912.91121.45114.58
Dividend / Share (Rs.) 0.100.100.100.500.50
Revenue From Operations / Share (Rs.) 6.835.494.5741.5944.52
PBDIT / Share (Rs.) 4.013.472.6626.6828.85
PBIT / Share (Rs.) 3.953.432.6426.4528.61
PBT / Share (Rs.) 1.511.511.1710.128.57
Net Profit / Share (Rs.) 1.121.080.867.326.23
PBDIT Margin (%) 58.8063.1658.3264.1564.79
PBIT Margin (%) 57.9162.4357.7263.5764.24
PBT Margin (%) 22.1227.4525.5024.3319.24
Net Profit Margin (%) 16.4019.6018.9217.5913.99
Return on Networth / Equity (%) 7.517.746.696.025.43
Return on Capital Employeed (%) 25.6623.8519.9021.2324.40
Return On Assets (%) 2.963.033.042.762.36
Total Debt / Equity (X) 1.431.451.101.101.19
Asset Turnover Ratio (%) 0.180.170.160.150.16
Current Ratio (X) 1.621.621.821.841.76
Quick Ratio (X) 1.611.621.821.841.76
Inventory Turnover Ratio (X) 110.330.000.000.000.00
Dividend Payout Ratio (NP) (%) 8.939.2911.566.830.00
Dividend Payout Ratio (CP) (%) 8.478.9511.216.610.00
Earning Retention Ratio (%) 91.0790.7188.4493.170.00
Cash Earning Retention Ratio (%) 91.5391.0588.7993.390.00
Interest Coverage Ratio (X) 1.641.811.811.631.44
Interest Coverage Ratio (Post Tax) (X) 1.461.561.591.451.31
Enterprise Value (Cr.) 349.80434.39566.64350.62183.26
EV / Net Operating Revenue (X) 4.276.5910.337.023.43
EV / EBITDA (X) 7.2610.4317.7110.945.29
MarketCap / Net Operating Revenue (X) 1.343.477.544.140.60
Retention Ratios (%) 91.0690.7088.4393.160.00
Price / BV (X) 0.611.372.671.420.23
Price / Net Operating Revenue (X) 1.343.477.544.140.60
EarningsYield 0.120.050.020.040.23

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

About the Company - Qualitative Analysis

Baid Finserv Ltd. is a Public Limited Listed company incorporated on 20/12/1991 and has its registered office in the State of Rajasthan, India. Company's Corporate Identification Number(CIN) is L65910RJ1991PLC006391 and registration number is 006391. Currently Company is involved in the business activities of Other credit granting. Company's Total Operating Revenue is Rs. 81.98 Cr. and Equity Capital is Rs. 24.01 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Baid House, IInd Floor, Jaipur Rajasthan 302006Contact not found
Management
NamePosition Held
Mr. Panna Lal BaidChairman & Managing Director
Mr. Aman BaidWhole Time Director
Mrs. Alpana BaidNon Executive Director
Mr. Anurag PatniInd. Non-Executive Director
Mr. Surendra Kumar SinghiInd. Non-Executive Director
Mr. Chaitnya SharmaInd. Non-Executive Director

FAQ

What is the intrinsic value of Baid Finserv Ltd and is it undervalued?

As of 04 April 2026, Baid Finserv Ltd's intrinsic value is ₹14.10, which is 38.24% higher than the current market price of ₹10.20, suggesting the stock is undervalued. This is calculated using the PE ratio method factoring in ROE (7.75 %), book value (₹12.7), dividend yield (0.99 %), and 5-year EPS CAGR.

What is the current share price and 52-week range of Baid Finserv Ltd?

Baid Finserv Ltd is trading at ₹10.20 as of 04 April 2026, with a FY2026-2027 high of ₹13.9 and low of ₹8.80. The stock is currently in the middle of its 52-week range. Market cap stands at ₹157 Cr..

How does Baid Finserv Ltd's P/E ratio compare to its industry?

Baid Finserv Ltd has a P/E ratio of 9.27, which is below the industry average of 101.56. Trading at a steep discount to peers could signal a value opportunity or reflect concerns about the company's fundamentals.

Is Baid Finserv Ltd financially healthy?

Key indicators for Baid Finserv Ltd: ROCE of 11.2 % is moderate; ROE of 7.75 % is below ideal levels (industry average: 8.84%). Dividend yield is 0.99 %.

Is Baid Finserv Ltd profitable and how is the profit trend?

Baid Finserv Ltd reported a net profit of ₹13 Cr in Mar 2025 on revenue of ₹82 Cr. Compared to ₹9 Cr in Mar 2022, the net profit shows an improving trend.

Does Baid Finserv Ltd pay dividends?

Baid Finserv Ltd has a dividend yield of 0.99 % at the current price of ₹10.20. The company pays dividends, though the yield is modest.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Baid Finserv Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
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