Baid Finserv Ltd

₹ 11.9 1.28%

08 Aug - close price

baidfinserv.com BSE: 511724 NSE: BAIDFIN

About

Baid Finserv Limited (Formerly Known as Baid Leasing and Finance Company Limited) is a Non- Deposit Taking NBFC carrying out the business of providing Car Loans, Commercial Vehicle Loans (new & used), MSME Loans, Loan Against Property and other asset backed loans. The Company is deeply penetrated in Rajasthan and has started operations in Madhya Pradesh.^[1]

Key Points

Offerings^[1]
1 Vehicle Loans - Tractor Loan, Commercial Vehicle Loan, Car Loan (Upto 10 lakhs)
2 Mortgage Loans - MSME Loan, Loan Against Property (upto 25 lakhs)
3 Insurance - Life Insurance, Dwelling Insurance, Motor Insurance

Website BSE NSE

Market Cap ₹ 143 Cr.
Current Price ₹ 11.9
High / Low ₹ 18.0 / 9.08
Stock P/E 9.97
Book Value ₹ 14.9
Dividend Yield 0.84 %
ROCE 11.3 %
ROE 7.78 %
Face Value ₹ 2.00

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Pros

Stock is trading at 0.80 times its book value
Company is expected to give good quarter

Cons

Company has low interest coverage ratio.
Promoter holding is low: 36.2%
Company has a low return on equity of 7.59% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Non Banking Financial Company (NBFC)

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Detailed Comparison with:

Quarterly Results

Figures in Rs. Crores

	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
	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
	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%
	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%
	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
Raw PDF

Profit & Loss

Figures in Rs. Crores

	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
	7	8	18	28	41	58	63	54	50	56	66	82	87
	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%
	0	0	0	0	0	0	0	0	0	0	0	1	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%
	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%	0%

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:	12%
5 Years:	35%
3 Years:	-21%
1 Year:	-16%

Return on Equity
10 Years:	8%
5 Years:	7%
3 Years:	8%
Last Year:	8%

Balance Sheet

Figures in Rs. Crores

	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
	23	36	65	103	195	269	189	164	160	171	242	255
	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
	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
	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

Cash Flows

Figures in Rs. Crores

	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
	3	-10	-18	-37	-45	-44	40	50	34	6	-22	2
	-0	-2	-2	-2	-5	-2	-2	0	-6	3	-2	-6
	-2	12	19	40	51	45	-38	-49	-24	-8	47	-17
Net Cash Flow	1	0	0	0	2	-0	-1	2	4	0	24	-21

Ratios

Figures in Rs. Crores

	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	-48
ROCE %	12%	12%	14%	15%	14%	15%	13%	11%	10%	10%	11%	11%

Shareholding Pattern

Numbers in percentages

	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025
	34.80%	34.80%	34.80%	34.80%	34.81%	34.81%	34.81%	34.98%	35.42%	36.25%	36.25%	36.25%
	0.00%	0.00%	0.00%	0.09%	0.00%	0.00%	0.03%	0.03%	0.04%	0.01%	0.29%	0.29%
	65.20%	65.20%	65.19%	65.10%	65.19%	65.20%	65.18%	64.99%	64.55%	63.75%	63.46%	63.45%
No. of Shareholders	5,123	5,064	5,341	5,518	10,599	10,427	13,573	16,606	20,113	22,071	23,390	23,633

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Jun 2025
	41.02%	32.49%	34.73%	38.64%	34.87%	34.87%	34.87%	34.80%	34.81%	36.25%	36.25%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.03%	0.29%	0.29%
	58.98%	67.51%	65.27%	61.37%	65.13%	65.13%	65.12%	65.19%	65.18%	63.46%	63.45%
No. of Shareholders	3,263	3,210	3,302	4,960	4,817	4,403	4,273	5,341	13,573	23,390	23,633

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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