Share Price and Basic Stock Data
Last Updated: October 20, 2025, 8:13 pm
| PEG Ratio | 0.86 |
|---|
Analyst Insight & Comprehensive Analysis
Business Overview and Revenue Trends
Baid Finserv Ltd operates as a non-banking financial company (NBFC) and has demonstrated consistent growth in its revenue streams. For the financial year ending March 2025, the company reported sales of ₹82 Cr, up from ₹66 Cr in March 2024, marking an increase of approximately 24%. Quarterly sales figures indicate a robust upward trajectory, particularly with revenues reaching ₹18.89 Cr in June 2024 and ₹19.65 Cr in September 2024. The operating profit margin (OPM) has remained strong, with the latest reported OPM at 56.64%. This reflects the company’s ability to manage costs effectively while capitalizing on revenue growth. However, the expenses also rose significantly to ₹34 Cr in the latest fiscal year, indicating that while revenue is increasing, cost management will be crucial for sustaining profitability. The cash conversion cycle (CCC) stood at -13 days, indicating effective management of working capital, which is a positive sign for operational efficiency. Overall, Baid Finserv’s revenue trends suggest a strong growth trajectory, but rising expenses may pose challenges in the future.
Profitability and Efficiency Metrics
Baid Finserv’s profitability metrics reveal a mixed performance, with the return on equity (ROE) recorded at 7.75% and return on capital employed (ROCE) at 11.2%. While both figures are relatively stable, they indicate moderate profitability compared to industry averages, which typically hover around 12-15% for well-performing NBFCs. The net profit for the year stood at ₹13 Cr, with earnings per share (EPS) reported at ₹1.12, which demonstrates a solid increase from ₹1.08 the previous year. The interest coverage ratio (ICR) of 1.64x suggests that the company can comfortably meet its interest obligations, though it remains below the ideal benchmark of 2.0 for financial stability. The operating profit has shown resilience, with the latest quarterly OPM at 56.64%. However, the volatility in quarterly profits, such as a dip in March 2024, calls for close monitoring. The overall financial health reflects a need for enhanced strategies to improve margins while maintaining operational efficiency.
Balance Sheet Strength and Financial Ratios
The balance sheet of Baid Finserv showcases a total borrowing of ₹255 Cr against reserves of ₹155 Cr, resulting in a debt-to-equity ratio of 1.43x. This leverage indicates a significant reliance on borrowed funds, which could pose risks if market conditions worsen. The current and quick ratios, both at 1.62x and 1.61x respectively, reflect adequate liquidity to cover short-term liabilities, which is a positive aspect for creditors and investors. The company’s book value per share has seen a gradual increase, standing at ₹14.91 in March 2025, which supports the notion of strengthening shareholder equity. The price-to-book value (P/BV) ratio at 0.61x suggests that the stock is undervalued compared to its book value, potentially indicating an attractive investment opportunity. However, the growing borrowings and relatively low reserves may require the company to balance growth with prudent financial management to avoid over-leveraging.
Shareholding Pattern and Investor Confidence
Baid Finserv’s shareholding pattern reveals a diverse ownership structure, with promoters holding 36.25% as of March 2025, while public shareholders account for 63.45%. The presence of foreign institutional investors (FIIs) at 0.29% indicates limited interest from overseas, which may suggest caution among international investors. The number of shareholders has increased significantly, from 5,123 in September 2022 to 23,633 in March 2025, reflecting growing retail interest and confidence in the company’s potential. This expansion in the shareholder base is a positive indicator, as it suggests increasing market trust and investor engagement. However, the lack of significant DII participation could indicate a need for the company to enhance its institutional appeal. The overall stability in promoter holdings combined with an expanding public stake may foster a balanced governance structure and support long-term growth.
Outlook, Risks, and Final Insight
If Baid Finserv can sustain its revenue growth while effectively managing rising expenses, it may enhance its profitability metrics and overall market position. The ability to maintain a stable interest coverage ratio and improve ROE and ROCE will be critical in navigating potential economic headwinds. However, risks such as high leverage and reliance on external borrowings could impact financial flexibility, particularly in a tightening interest rate environment. Additionally, the company must focus on improving investor confidence to attract institutional interest, which could bolster its market capitalization. If the company successfully balances growth with prudent financial management, it may position itself favorably within the competitive NBFC landscape, potentially yielding positive returns for shareholders in the long term.
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 | 15.9 Cr. | 1.59 | 1.91/0.85 | 106 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 |
| Money Masters Leasing & Finance Ltd | 12.2 Cr. | 1.21 | 14.3/1.06 | 19.0 | 1.31 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 548 Cr. | 167 | 285/130 | 79.8 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 17.8 Cr. | 19.4 | 39.8/17.5 | 13.3 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 45.7 Cr. | 102 | 181/90.0 | 24.5 | 238 | 0.98 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,944.91 Cr | 491.08 | 104.30 | 494.63 | 0.21% | 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: July 25, 2025, 1:46 pm
| 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 6 | 6 | 6 | 10 | 10 | 10 | 12 | 12 | 12 | 24 | 24 | 24 |
| Reserves | 7 | 8 | 11 | 26 | 30 | 39 | 118 | 126 | 134 | 131 | 143 | 155 |
| Borrowings | 23 | 36 | 65 | 103 | 195 | 269 | 189 | 164 | 160 | 171 | 242 | 255 |
| Other Liabilities | 4 | 15 | 24 | 19 | 36 | 15 | 22 | 15 | 12 | 15 | 17 | 20 |
| Total Liabilities | 41 | 64 | 105 | 159 | 271 | 333 | 341 | 316 | 318 | 341 | 426 | 454 |
| Fixed Assets | 0 | 1 | 1 | 1 | 2 | 2 | 1 | 1 | 1 | 1 | 4 | 5 |
| CWIP | 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 |
| Other Assets | 39 | 61 | 101 | 153 | 260 | 321 | 336 | 312 | 308 | 333 | 417 | 439 |
| Total Assets | 41 | 64 | 105 | 159 | 271 | 333 | 341 | 316 | 318 | 341 | 426 | 454 |
Below is a detailed analysis of the balance sheet data for Baid Finserv Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, 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 Mar 2025, the value is 155.00 Cr.. The value appears strong and on an upward trend. It has increased from 143.00 Cr. (Mar 2024) to 155.00 Cr., marking an increase of 12.00 Cr..
- For Borrowings, as of Mar 2025, the value is 255.00 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 242.00 Cr. (Mar 2024) to 255.00 Cr., marking an increase of 13.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 20.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 17.00 Cr. (Mar 2024) to 20.00 Cr., marking an increase of 3.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 454.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 426.00 Cr. (Mar 2024) to 454.00 Cr., marking an increase of 28.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 5.00 Cr.. The value appears strong and on an upward trend. It has increased from 4.00 Cr. (Mar 2024) to 5.00 Cr., marking an increase of 1.00 Cr..
- For CWIP, as of Mar 2025, 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 Mar 2025, the value is 10.00 Cr.. The value appears strong and on an upward trend. It has increased from 5.00 Cr. (Mar 2024) to 10.00 Cr., marking an increase of 5.00 Cr..
- For Other Assets, as of Mar 2025, the value is 439.00 Cr.. The value appears strong and on an upward trend. It has increased from 417.00 Cr. (Mar 2024) to 439.00 Cr., marking an increase of 22.00 Cr..
- For Total Assets, as of Mar 2025, the value is 454.00 Cr.. The value appears strong and on an upward trend. It has increased from 426.00 Cr. (Mar 2024) to 454.00 Cr., marking an increase of 28.00 Cr..
However, the Borrowings (255.00 Cr.) are higher than the Reserves (155.00 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
| 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
| 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: 8.84%)
- 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: 8.71 (Industry average Stock P/E: 104.3)
- 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. Anurag Patni | Ind. Non-Executive Director |
| Mr. Surendra Kumar Singhi | Ind. Non-Executive Director |
| Mr. Chaitnya Sharma | Ind. Non-Executive Director |
FAQ
What is the intrinsic value of Baid Finserv Ltd?
Baid Finserv Ltd's intrinsic value (as of 23 October 2025) is 8.12 which is 22.67% lower the current market price of 10.50, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 125 Cr. market cap, FY2025-2026 high/low of 18.0/9.08, reserves of ₹155 Cr, and liabilities of 454 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 23 October 2025?
The current stock price of Baid Finserv Ltd as on 23 October 2025 is 10.5.
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 18.0/9.08.
What is the Stock P/E of Baid Finserv Ltd?
The Stock P/E of Baid Finserv Ltd is 8.71.
What is the Book Value of Baid Finserv Ltd?
The Book Value of Baid Finserv Ltd is 14.9.
What is the Dividend Yield of Baid Finserv Ltd?
The Dividend Yield of Baid Finserv Ltd is 0.95 %.
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.