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Last Updated on: 04 April, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo
Stock Ticker - BSE: 511724 | NSE: BAIDFIN

Baid Finserv Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: April 2, 2025, 8:39 pm

Market Cap 125 Cr.
Current Price 10.4
High / Low 27.0/9.08
Stock P/E11.5
Book Value 14.2
Dividend Yield0.97 %
ROCE11.2 %
ROE8.03 %
Face Value 2.00
PEG Ratio1.49

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

View Share Price Target for Baid Finserv Ltd

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 16.0 Cr. 1.60 1.91/0.65178 1.080.00 %0.59 %0.47 % 1.00
Money Masters Leasing & Finance Ltd 19.7 Cr. 1.96 19.5/1.7825.2 1.560.00 %2.57 %4.07 % 1.00
Moneyboxx Finance Ltd 780 Cr. 239 373/15873.3 81.00.00 %11.4 %7.45 % 10.0
Moongipa Capital Finance Ltd 18.7 Cr. 20.4 41.0/17.79.63 8.690.00 %34.9 %31.6 % 10.0
Morarka Finance Ltd 45.9 Cr. 102 191/95.016.4 3875.88 %4.04 %3.58 % 10.0
Industry Average24,789.31 Cr518.2040.07534.290.27%19.43%10.58%8.49

All Competitor Stocks of Baid Finserv Ltd

Quarterly Result

MetricDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Sales 10.1815.2712.8413.3813.4615.1818.2415.0117.5115.1518.8919.6521.34
Expenses 3.365.756.345.144.827.445.416.205.146.408.049.167.60
Operating Profit 6.829.526.508.248.647.7412.838.8112.378.7510.8510.4913.74
OPM % 66.99%62.34%50.62%61.58%64.19%50.99%70.34%58.69%70.65%57.76%57.44%53.38%64.39%
Other Income 0.010.050.930.000.01-0.060.070.250.070.050.470.060.01
Interest 4.734.364.274.834.554.035.295.515.716.547.097.657.26
Depreciation 0.080.080.090.090.090.060.120.131.670.220.080.290.17
Profit before tax 2.025.133.073.324.013.597.493.425.062.044.152.616.32
Tax % 25.25%31.19%21.17%25.00%30.17%25.63%25.23%25.15%28.66%46.57%24.58%25.29%25.16%
Net Profit 1.523.532.432.482.802.675.612.563.611.083.121.964.73
EPS in Rs 0.130.290.200.210.230.220.470.210.300.090.260.160.39

Last Updated: February 28, 2025, 3:04 pm

Below is a detailed analysis of the quarterly data for Baid Finserv Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

  • For Sales, as of Dec 2024, the value is ₹21.34 Cr.. The value appears strong and on an upward trend. It has increased from 19.65 Cr. (Sep 2024) to ₹21.34 Cr., marking an increase of 1.69 Cr..
  • For Expenses, as of Dec 2024, the value is ₹7.60 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 9.16 Cr. (Sep 2024) to ₹7.60 Cr., marking a decrease of 1.56 Cr..
  • For Operating Profit, as of Dec 2024, the value is ₹13.74 Cr.. The value appears strong and on an upward trend. It has increased from 10.49 Cr. (Sep 2024) to ₹13.74 Cr., marking an increase of 3.25 Cr..
  • For OPM %, as of Dec 2024, the value is 64.39%. The value appears strong and on an upward trend. It has increased from 53.38% (Sep 2024) to 64.39%, marking an increase of 11.01%.
  • For Other Income, as of Dec 2024, the value is ₹0.01 Cr.. The value appears to be declining and may need further review. It has decreased from 0.06 Cr. (Sep 2024) to ₹0.01 Cr., marking a decrease of 0.05 Cr..
  • For Interest, as of Dec 2024, the value is ₹7.26 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 7.65 Cr. (Sep 2024) to ₹7.26 Cr., marking a decrease of 0.39 Cr..
  • For Depreciation, as of Dec 2024, the value is ₹0.17 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 0.29 Cr. (Sep 2024) to ₹0.17 Cr., marking a decrease of 0.12 Cr..
  • For Profit before tax, as of Dec 2024, the value is ₹6.32 Cr.. The value appears strong and on an upward trend. It has increased from 2.61 Cr. (Sep 2024) to ₹6.32 Cr., marking an increase of 3.71 Cr..
  • For Tax %, as of Dec 2024, the value is 25.16%. The value appears to be improving (decreasing) as expected. It has decreased from 25.29% (Sep 2024) to 25.16%, marking a decrease of 0.13%.
  • For Net Profit, as of Dec 2024, the value is ₹4.73 Cr.. The value appears strong and on an upward trend. It has increased from 1.96 Cr. (Sep 2024) to ₹4.73 Cr., marking an increase of 2.77 Cr..
  • For EPS in Rs, as of Dec 2024, the value is 0.39. The value appears strong and on an upward trend. It has increased from 0.16 (Sep 2024) to 0.39, marking an increase of 0.23.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: March 6, 2025, 1:53 pm

MetricMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024TTM
Sales 157818284158635450566675
Expenses 16338121517211918242531
Operating Profit -14510172641423532324144
OPM % -7%56%64%53%59%65%70%66%64%64%57%63%58%
Other Income 5000000000001
Interest 3236111828312420182329
Depreciation 0000000000001
Profit before tax 12246813101012141815
Tax % 22%34%34%32%31%31%24%27%27%28%26%29%
Net Profit 11134610879101311
EPS in Rs 0.160.170.200.450.390.560.960.630.620.730.861.080.90
Dividend Payout % 0%0%0%0%13%18%10%0%8%7%12%9%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2013-20142014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-2024
YoY Net Profit Growth (%)0.00%0.00%200.00%33.33%50.00%66.67%-20.00%-12.50%28.57%11.11%30.00%
Change in YoY Net Profit Growth (%)0.00%0.00%200.00%-166.67%16.67%16.67%-86.67%7.50%41.07%-17.46%18.89%

Baid Finserv Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2013-2014 to 2023-2024.

Growth

Compounded Sales Growth
10 Years:25%
5 Years:3%
3 Years:7%
TTM:14%
Compounded Profit Growth
10 Years:29%
5 Years:6%
3 Years:20%
TTM:-25%
Stock Price CAGR
10 Years:18%
5 Years:10%
3 Years:-18%
1 Year:-51%
Return on Equity
10 Years:9%
5 Years:7%
3 Years:7%
Last Year:8%

Last Updated: Unknown

Balance Sheet

Last Updated: February 12, 2025, 2:14 pm

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Sep 2024
Equity Capital 6666101010121212242424
Reserves 67811263039118126134131143147
Borrowings 21233665103195269189164160171242242
Other Liabilities 341524193615221512151724
Total Liabilities 354164105159271333341316318341426437
Fixed Assets 0011122111144
CWIP 0000000000000
Investments 112351011339655
Other Assets 343961101153260321336312308333417427
Total Assets 354164105159271333341316318341426437

Below is a detailed analysis of the balance sheet data for Baid Finserv Ltd based on the most recent figures (Sep 2024) and their trends compared to the previous period:

  • For Equity Capital, as of Sep 2024, the value is ₹24.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 24.00 Cr..
  • For Reserves, as of Sep 2024, the value is ₹147.00 Cr.. The value appears strong and on an upward trend. It has increased from 143.00 Cr. (Mar 2024) to ₹147.00 Cr., marking an increase of 4.00 Cr..
  • For Borrowings, as of Sep 2024, the value is ₹242.00 Cr.. The value remains steady. However, Borrowings exceed Reserves, which may signal higher financial risk. There is no change compared to the previous period (Mar 2024) which recorded 242.00 Cr..
  • For Other Liabilities, as of Sep 2024, the value is ₹24.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 17.00 Cr. (Mar 2024) to ₹24.00 Cr., marking an increase of 7.00 Cr..
  • For Total Liabilities, as of Sep 2024, the value is ₹437.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 426.00 Cr. (Mar 2024) to ₹437.00 Cr., marking an increase of 11.00 Cr..
  • For Fixed Assets, as of Sep 2024, the value is ₹4.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 4.00 Cr..
  • For CWIP, as of Sep 2024, the value is ₹0.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 0.00 Cr..
  • For Investments, as of Sep 2024, the value is ₹5.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 5.00 Cr..
  • For Other Assets, as of Sep 2024, the value is ₹427.00 Cr.. The value appears strong and on an upward trend. It has increased from 417.00 Cr. (Mar 2024) to ₹427.00 Cr., marking an increase of 10.00 Cr..
  • For Total Assets, as of Sep 2024, the value is ₹437.00 Cr.. The value appears strong and on an upward trend. It has increased from 426.00 Cr. (Mar 2024) to ₹437.00 Cr., marking an increase of 11.00 Cr..

However, the Borrowings (242.00 Cr.) are higher than the Reserves (₹147.00 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.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Cash from Operating Activity +03-10-18-37-45-444050346-22
Cash from Investing Activity +2-0-2-2-2-5-2-20-63-2
Cash from Financing Activity +-2-21219405145-38-49-24-847
Net Cash Flow010002-0-124024

Free Cash Flow

MonthMar 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Free Cash Flow-22.00-19.00-31.00-55.00-86.00-169.00-228.00-147.00-129.00-128.00-139.00-201.00

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 2013Mar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
Debtor Days69.05203.61287.160.000.000.000.000.0073.6150.450.001.55
Inventory Days665.0636.50
Days Payable10.57144.38
Cash Conversion Cycle723.54203.61287.160.000.000.000.000.0073.6150.450.00-106.33
Working Capital Days650.121,464.471,498.92372.04175.20368.579.28-39.0178.5563.454.7810.57
ROCE %12.24%11.73%12.17%14.50%15.18%14.02%14.67%12.98%11.10%10.46%10.03%11.21%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Promoters34.87%34.80%34.80%34.80%34.80%34.80%34.81%34.81%34.81%34.98%35.42%36.25%
FIIs0.00%0.00%0.00%0.00%0.00%0.09%0.00%0.00%0.03%0.03%0.04%0.01%
Public65.12%65.20%65.20%65.20%65.19%65.10%65.19%65.20%65.18%64.99%64.55%63.75%
No. of Shareholders4,2735,4325,1235,0645,3415,51810,59910,42713,57316,60620,11322,071

Shareholding Pattern Chart

No. of Shareholders

This stock is not held by any mutual fund

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 2.002.0010.0010.0010.00
Basic EPS (Rs.) 1.080.977.326.236.34
Diluted EPS (Rs.) 1.080.977.326.236.34
Cash EPS (Rs.) 1.120.897.566.476.64
Book Value[Excl.RevalReserv]/Share (Rs.) 13.8912.91121.45114.58108.29
Book Value[Incl.RevalReserv]/Share (Rs.) 13.8912.91121.45114.58108.29
Dividend / Share (Rs.) 0.100.100.500.501.00
Revenue From Operations / Share (Rs.) 5.494.5741.5944.5252.13
PBDIT / Share (Rs.) 3.472.6626.6828.8534.79
PBIT / Share (Rs.) 3.432.6426.4528.6134.48
PBT / Share (Rs.) 1.511.1710.128.578.63
Net Profit / Share (Rs.) 1.080.867.326.236.34
PBDIT Margin (%) 63.1658.3264.1564.7966.74
PBIT Margin (%) 62.4357.7263.5764.2466.15
PBT Margin (%) 27.4525.5024.3319.2416.55
Net Profit Margin (%) 19.6018.9217.5913.9912.15
Return on Networth / Equity (%) 7.746.696.025.435.85
Return on Capital Employeed (%) 23.8519.9021.2324.4030.92
Return On Assets (%) 3.033.042.762.362.23
Total Debt / Equity (X) 1.451.101.101.191.45
Asset Turnover Ratio (%) 0.170.160.150.160.18
Current Ratio (X) 1.621.821.841.761.60
Quick Ratio (X) 1.621.821.841.761.60
Dividend Payout Ratio (NP) (%) 9.2911.566.830.0016.00
Dividend Payout Ratio (CP) (%) 8.9511.216.610.0015.27
Earning Retention Ratio (%) 90.7188.4493.170.0084.00
Cash Earning Retention Ratio (%) 91.0588.7993.390.0084.73
Interest Coverage Ratio (X) 1.811.811.631.441.35
Interest Coverage Ratio (Post Tax) (X) 1.561.591.451.311.25
Enterprise Value (Cr.) 434.39566.64350.62183.26261.00
EV / Net Operating Revenue (X) 6.5910.337.023.434.17
EV / EBITDA (X) 10.4317.7110.945.296.25
MarketCap / Net Operating Revenue (X) 3.477.544.140.601.35
Retention Ratios (%) 90.7088.4393.160.0083.99
Price / BV (X) 1.372.671.420.230.65
Price / Net Operating Revenue (X) 3.477.544.140.601.35
EarningsYield 0.050.020.040.230.08

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 24, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 2.00.
  • For Basic EPS (Rs.), as of Mar 24, the value is 1.08. This value is below the healthy minimum of 5. It has increased from 0.97 (Mar 23) to 1.08, marking an increase of 0.11.
  • For Diluted EPS (Rs.), as of Mar 24, the value is 1.08. This value is below the healthy minimum of 5. It has increased from 0.97 (Mar 23) to 1.08, marking an increase of 0.11.
  • For Cash EPS (Rs.), as of Mar 24, the value is 1.12. This value is below the healthy minimum of 3. It has increased from 0.89 (Mar 23) to 1.12, marking an increase of 0.23.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 13.89. It has increased from 12.91 (Mar 23) to 13.89, marking an increase of 0.98.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 13.89. It has increased from 12.91 (Mar 23) to 13.89, marking an increase of 0.98.
  • For Dividend / Share (Rs.), as of Mar 24, the value is 0.10. This value is below the healthy minimum of 1. There is no change compared to the previous period (Mar 23) which recorded 0.10.
  • For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 5.49. It has increased from 4.57 (Mar 23) to 5.49, marking an increase of 0.92.
  • For PBDIT / Share (Rs.), as of Mar 24, the value is 3.47. This value is within the healthy range. It has increased from 2.66 (Mar 23) to 3.47, marking an increase of 0.81.
  • For PBIT / Share (Rs.), as of Mar 24, the value is 3.43. This value is within the healthy range. It has increased from 2.64 (Mar 23) to 3.43, marking an increase of 0.79.
  • For PBT / Share (Rs.), as of Mar 24, the value is 1.51. This value is within the healthy range. It has increased from 1.17 (Mar 23) to 1.51, marking an increase of 0.34.
  • For Net Profit / Share (Rs.), as of Mar 24, the value is 1.08. This value is below the healthy minimum of 2. It has increased from 0.86 (Mar 23) to 1.08, marking an increase of 0.22.
  • For PBDIT Margin (%), as of Mar 24, the value is 63.16. This value is within the healthy range. It has increased from 58.32 (Mar 23) to 63.16, marking an increase of 4.84.
  • For PBIT Margin (%), as of Mar 24, the value is 62.43. This value exceeds the healthy maximum of 20. It has increased from 57.72 (Mar 23) to 62.43, marking an increase of 4.71.
  • For PBT Margin (%), as of Mar 24, the value is 27.45. This value is within the healthy range. It has increased from 25.50 (Mar 23) to 27.45, marking an increase of 1.95.
  • For Net Profit Margin (%), as of Mar 24, the value is 19.60. This value exceeds the healthy maximum of 10. It has increased from 18.92 (Mar 23) to 19.60, marking an increase of 0.68.
  • For Return on Networth / Equity (%), as of Mar 24, the value is 7.74. This value is below the healthy minimum of 15. It has increased from 6.69 (Mar 23) to 7.74, marking an increase of 1.05.
  • For Return on Capital Employeed (%), as of Mar 24, the value is 23.85. This value is within the healthy range. It has increased from 19.90 (Mar 23) to 23.85, marking an increase of 3.95.
  • For Return On Assets (%), as of Mar 24, the value is 3.03. This value is below the healthy minimum of 5. It has decreased from 3.04 (Mar 23) to 3.03, marking a decrease of 0.01.
  • For Total Debt / Equity (X), as of Mar 24, the value is 1.45. This value exceeds the healthy maximum of 1. It has increased from 1.10 (Mar 23) to 1.45, marking an increase of 0.35.
  • For Asset Turnover Ratio (%), as of Mar 24, the value is 0.17. It has increased from 0.16 (Mar 23) to 0.17, marking an increase of 0.01.
  • For Current Ratio (X), as of Mar 24, the value is 1.62. This value is within the healthy range. It has decreased from 1.82 (Mar 23) to 1.62, marking a decrease of 0.20.
  • For Quick Ratio (X), as of Mar 24, the value is 1.62. This value is within the healthy range. It has decreased from 1.82 (Mar 23) to 1.62, marking a decrease of 0.20.
  • For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 9.29. This value is below the healthy minimum of 20. It has decreased from 11.56 (Mar 23) to 9.29, marking a decrease of 2.27.
  • For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 8.95. This value is below the healthy minimum of 20. It has decreased from 11.21 (Mar 23) to 8.95, marking a decrease of 2.26.
  • For Earning Retention Ratio (%), as of Mar 24, the value is 90.71. This value exceeds the healthy maximum of 70. It has increased from 88.44 (Mar 23) to 90.71, marking an increase of 2.27.
  • For Cash Earning Retention Ratio (%), as of Mar 24, the value is 91.05. This value exceeds the healthy maximum of 70. It has increased from 88.79 (Mar 23) to 91.05, marking an increase of 2.26.
  • For Interest Coverage Ratio (X), as of Mar 24, the value is 1.81. This value is below the healthy minimum of 3. There is no change compared to the previous period (Mar 23) which recorded 1.81.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.56. This value is below the healthy minimum of 3. It has decreased from 1.59 (Mar 23) to 1.56, marking a decrease of 0.03.
  • For Enterprise Value (Cr.), as of Mar 24, the value is 434.39. It has decreased from 566.64 (Mar 23) to 434.39, marking a decrease of 132.25.
  • For EV / Net Operating Revenue (X), as of Mar 24, the value is 6.59. This value exceeds the healthy maximum of 3. It has decreased from 10.33 (Mar 23) to 6.59, marking a decrease of 3.74.
  • For EV / EBITDA (X), as of Mar 24, the value is 10.43. This value is within the healthy range. It has decreased from 17.71 (Mar 23) to 10.43, marking a decrease of 7.28.
  • For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 3.47. This value exceeds the healthy maximum of 3. It has decreased from 7.54 (Mar 23) to 3.47, marking a decrease of 4.07.
  • For Retention Ratios (%), as of Mar 24, the value is 90.70. This value exceeds the healthy maximum of 70. It has increased from 88.43 (Mar 23) to 90.70, marking an increase of 2.27.
  • For Price / BV (X), as of Mar 24, the value is 1.37. This value is within the healthy range. It has decreased from 2.67 (Mar 23) to 1.37, marking a decrease of 1.30.
  • For Price / Net Operating Revenue (X), as of Mar 24, the value is 3.47. This value exceeds the healthy maximum of 3. It has decreased from 7.54 (Mar 23) to 3.47, marking a decrease of 4.07.
  • For EarningsYield, as of Mar 24, the value is 0.05. This value is below the healthy minimum of 5. It has increased from 0.02 (Mar 23) to 0.05, marking an increase of 0.03.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Baid Finserv Ltd as of April 4, 2025 is: 10.59

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of April 4, 2025, Baid Finserv Ltd is Undervalued by 1.83% compared to the current share price 10.40

Intrinsic Value of Baid Finserv Ltd as of April 4, 2025 is: 11.41

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of April 4, 2025, Baid Finserv Ltd is Undervalued by 9.71% compared to the current share price 10.40

Last 5 Year EPS CAGR: 7.74%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The company has shown consistent growth in sales (41.46 cr) and profit (8.85 cr) over the years.
  1. The stock has a low average ROCE of 12.52%, which may not be favorable.
  2. The stock has a high average Working Capital Days of 141.30, which may not be favorable.
  3. The stock has a high average Cash Conversion Cycle of 102.67, which may not be favorable.
  4. The company has higher borrowings (144.62) compared to reserves (71.23), which may suggest financial risk.

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:
    1. Net Profit Margin: 19.6%
      • 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.
    2. ROCE: 23.85% (Industry Average ROCE: 19.43%)
      • 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.
    3. ROE%: 7.74% (Industry Average ROE: 10.58%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 1.56
      • 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.
    5. Quick Ratio: 1.62
      • 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.
    6. Stock P/E: 11.5 (Industry average Stock P/E: 40.07)
      • 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.
    7. Total Debt / Equity: 1.45
      • 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.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

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FAQ

What is the intrinsic value of Baid Finserv Ltd?

Baid Finserv Ltd's intrinsic value (as of 03 April 2025) is ₹10.59 — 1.83% higher the current market price of ₹10.40, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's 125 Cr. market cap, FY2025-2026 high/low of ₹27.0/9.08, reserves of 147 Cr, and liabilities of 437 Cr.

What is the Market Cap of Baid Finserv Ltd?

The Market Cap of Baid Finserv Ltd is 125 Cr..

What is the current Stock Price of Baid Finserv Ltd as on 03 April 2025?

The current stock price of Baid Finserv Ltd as on 03 April 2025 is 10.4.

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 ₹27.0/9.08.

What is the Stock P/E of Baid Finserv Ltd?

The Stock P/E of Baid Finserv Ltd is 11.5.

What is the Book Value of Baid Finserv Ltd?

The Book Value of Baid Finserv Ltd is 14.2.

What is the Dividend Yield of Baid Finserv Ltd?

The Dividend Yield of Baid Finserv Ltd is 0.97 %.

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 8.03 %.

What is the Face Value of Baid Finserv Ltd?

The Face Value of Baid Finserv Ltd is 2.00.

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