Baid Finserv Ltd

₹ 11.9 1.19%

11 Sep - 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

Scale Based Regulations^[1]
The RBI has introduced the Scale Based Regulation (SBR), a revised regulatory framework for NBFCs, classifying them into Base, Middle, Upper and Top Layers. Under this framework, the Company is classified as a Base Layer (NBFC-BL) entity.

Website BSE NSE

Market Cap ₹ 193 Cr.
Current Price ₹ 11.9
High / Low ₹ 13.5 / 8.80
Stock P/E 12.6
Book Value ₹ 15.0
Dividend Yield 0.84 %
ROCE 10.9 %
ROE 7.27 %
Face Value ₹ 2.00

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Pros

Stock is trading at 0.79 times its book value
Promoter holding has increased by 2.34% over last quarter.

Cons

Company has low interest coverage ratio.
Company has a low return on equity of 7.64% over last 3 years.
Dividend payout has been low at 9.52% of profits 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 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	18.24	15.01	17.51	15.15	18.89	19.65	21.34	22.12	23.78	23.84	24.63	25.01	21.64
Interest	5.29	5.51	5.71	6.54	7.09	7.65	7.26	7.34	7.99	7.99	8.18	7.81	7.94
	5.41	6.20	5.14	6.40	8.04	9.16	7.60	9.55	10.31	9.71	10.84	15.35	8.07
Financing Profit	7.54	3.30	6.66	2.21	3.76	2.84	6.48	5.23	5.48	6.14	5.61	1.85	5.63
Financing Margin %	41.34%	21.99%	38.04%	14.59%	19.90%	14.45%	30.37%	23.64%	23.04%	25.76%	22.78%	7.40%	26.02%
	0.07	0.25	0.07	0.05	0.47	0.06	0.01	0.02	0.13	0.14	1.10	0.56	0.41
Depreciation	0.12	0.13	1.67	0.22	0.08	0.29	0.17	0.19	0.24	0.20	0.25	0.24	0.23
Profit before tax	7.49	3.42	5.06	2.04	4.15	2.61	6.32	5.06	5.37	6.08	6.46	2.17	5.81
Tax %	25.23%	25.15%	28.66%	46.57%	24.58%	25.29%	25.16%	27.87%	25.14%	25.16%	26.47%	23.50%	25.13%
	5.61	2.56	3.61	1.08	3.12	1.96	4.73	3.64	4.02	4.55	4.75	1.66	4.34
EPS in Rs	0.37	0.17	0.24	0.07	0.21	0.13	0.32	0.24	0.27	0.30	0.32	0.11	0.28
Gross NPA %
Net NPA %
Raw PDF

Profit & Loss

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	TTM
	8	18	28	41	58	63	54	50	56	66	82	99	95
Interest	3	6	11	18	28	31	24	20	18	23	29	32	32
	3	8	12	15	17	21	19	18	24	25	34	46	44
Financing Profit	2	4	6	8	13	11	10	12	14	18	19	20	19
Financing Margin %	23%	23%	21%	21%	22%	17%	19%	25%	26%	28%	23%	21%	20%
	0	0	0	0	0	0	0	0	0	0	0	1	2
Depreciation	0	0	0	0	0	0	0	0	0	0	1	1	1
Profit before tax	2	4	6	8	13	10	10	12	14	18	18	20	21
Tax %	34%	32%	31%	31%	24%	27%	27%	28%	26%	29%	26%	25%
	1	3	4	6	10	8	7	9	10	13	13	15	15
EPS in Rs	0.16	0.36	0.32	0.45	0.77	0.51	0.50	0.59	0.69	0.86	0.90	0.97	1.01
Dividend Payout %	0%	0%	13%	18%	10%	0%	8%	7%	12%	9%	9%	10%

Compounded Sales Growth
10 Years:	18%
5 Years:	13%
3 Years:	21%
TTM:	9%

Compounded Profit Growth
10 Years:	19%
5 Years:	15%
3 Years:	13%
TTM:	7%

Stock Price CAGR
10 Years:	10%
5 Years:	30%
3 Years:	-30%
1 Year:	7%

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

Balance Sheet

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
Equity Capital	6	6	10	10	10	12	12	12	24	24	24	31
Reserves	8	11	26	30	39	118	126	134	131	143	155	202
Borrowing	36	65	103	195	269	189	164	160	171	242	255	285
	15	24	19	36	15	22	15	12	15	17	20	21
Total Liabilities	64	105	159	271	333	341	316	318	341	426	454	539
	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
Investments	2	3	5	10	11	3	3	9	6	5	10	16
	61	101	153	260	321	336	312	308	333	417	439	517
Total Assets	64	105	159	271	333	341	316	318	341	426	454	539

Cash Flows

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
	-10	-18	-37	-45	-44	40	50	34	6	-22	2	-33
	-2	-2	-2	-5	-2	-2	0	-6	3	-2	-6	-8
	12	19	40	51	45	-38	-49	-24	-8	47	-17	37
Net Cash Flow	0	0	0	2	-0	-1	2	4	0	24	-21	-4
Free Cash Flow	-11	-18	-37	-46	-44	40	50	34	5	-25	0	-35
CFO/OP	-189%	-183%	-220%	-169%	-108%	103%	154%	117%	29%	-40%	14%	-54%

Ratios

Figures in Rs. Crores

	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026
ROE %	9%	18%	15%	15%	22%	8%	6%	6%	7%	8%	8%	7%

Insights

In beta

Mar 2016

Mar 2017

Dec 2018

Mar 2020

Mar 2021

Mar 2022

Mar 2023

Mar 2024

Mar 2025

Total AUM (Assets Under Management)
INR Crore

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			xx.xx	xx.xx	xx.xx	xx.xx	xx.xx	xx.xx
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			xx	xx	xxx	xxx	xxx	xxx
	x,xxx	x,xxx				x,xxx	x,xxx	x,xxx
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				xx.xx	xx.xx	xx.xx	xx.xx	xxx.xx
							xx	xx

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Collection Efficiency
%

Fresh Loan Disbursements
INR Crore

Total Field Force
count

Active Customers
count

MSME/LAP Loan AUM
INR Crore

Vehicle Loan AUM
INR Crore

Number of Branches
count

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026	Aug 2026
	34.81%	34.81%	34.98%	35.42%	36.25%	36.25%	36.25%	36.25%	45.71%	47.39%	47.39%	49.73%
	0.00%	0.03%	0.03%	0.04%	0.01%	0.29%	0.29%	0.26%	0.21%	0.20%	0.19%	0.18%
	65.20%	65.18%	64.99%	64.55%	63.75%	63.46%	63.45%	63.49%	54.10%	52.41%	52.42%	50.09%
No. of Shareholders	10,427	13,573	16,606	20,113	22,071	23,390	23,633	23,492	23,164	23,260	22,797	22,373

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	Mar 2026	Aug 2026
	41.02%	32.49%	34.73%	38.64%	34.87%	34.87%	34.87%	34.80%	34.81%	36.25%	47.39%	49.73%
	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.03%	0.29%	0.20%	0.18%
	58.98%	67.51%	65.27%	61.37%	65.13%	65.13%	65.12%	65.19%	65.18%	63.46%	52.41%	50.09%
No. of Shareholders	3,263	3,210	3,302	4,960	4,817	4,403	4,273	5,341	13,573	23,390	23,260	22,373

* 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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