Baid Finserv Ltd

Baid Finserv Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Baid Finserv Ltd

₹ 11.8 -0.92%
10 Feb - 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 ₹ 142 Cr.
  • Current Price ₹ 11.8
  • High / Low ₹ 28.6 / 11.2
  • Stock P/E 14.5
  • Book Value ₹ 14.2
  • Dividend Yield 0.85 %
  • ROCE 11.2 %
  • ROE 8.03 %
  • Face Value ₹ 2.00
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Pros

  • Stock is trading at 0.83 times its book value
  • Promoter holding has increased by 0.84% over last quarter.
  • Company's working capital requirements have reduced from 26.3 days to 10.6 days

Cons

  • Company has low interest coverage ratio.
  • The company has delivered a poor sales growth of 2.54% over past five years.
  • Promoter holding is low: 36.2%
  • Company has a low return on equity of 7.08% 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

Sector: Finance Industry: Finance & Investments

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Quarterly Results

Figures in Rs. Crores

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
12.31 10.18 15.27 12.84 13.38 13.46 15.18 18.24 15.01 17.51 15.15 18.89 19.65
4.46 3.36 5.75 6.34 5.14 4.82 7.44 5.41 6.20 6.71 6.40 8.04 9.16
Operating Profit 7.85 6.82 9.52 6.50 8.24 8.64 7.74 12.83 8.81 10.80 8.75 10.85 10.49
OPM % 63.77% 66.99% 62.34% 50.62% 61.58% 64.19% 50.99% 70.34% 58.69% 61.68% 57.76% 57.44% 53.38%
0.03 0.01 0.05 0.93 0.00 0.01 -0.06 0.07 0.25 0.07 0.05 0.47 0.06
Interest 4.94 4.73 4.36 4.27 4.83 4.55 4.03 5.29 5.51 5.71 6.54 7.09 7.65
Depreciation 0.07 0.08 0.08 0.09 0.09 0.09 0.06 0.12 0.13 0.11 0.22 0.08 0.29
Profit before tax 2.87 2.02 5.13 3.07 3.32 4.01 3.59 7.49 3.42 5.05 2.04 4.15 2.61
Tax % 25.09% 25.25% 31.19% 21.17% 25.00% 30.17% 25.63% 25.23% 25.15% 28.71% 46.57% 24.58% 25.29%
2.15 1.52 3.53 2.43 2.48 2.80 2.67 5.61 2.56 3.61 1.08 3.12 1.96
EPS in Rs 0.18 0.13 0.29 0.20 0.21 0.23 0.22 0.47 0.21 0.30 0.09 0.26 0.16
Raw PDF
Upcoming result date: today

Profit & Loss

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
15.17 7.35 8.44 18.14 28.50 40.92 58.19 62.59 53.95 49.99 55.73 65.97 71.20
16.29 3.27 3.04 8.44 11.55 14.51 17.43 21.02 19.40 18.01 23.74 24.72 30.31
Operating Profit -1.12 4.08 5.40 9.70 16.95 26.41 40.76 41.57 34.55 31.98 31.99 41.25 40.89
OPM % -7.38% 55.51% 63.98% 53.47% 59.47% 64.54% 70.05% 66.42% 64.04% 63.97% 57.40% 62.53% 57.43%
5.08 0.00 0.00 0.05 0.04 0.12 0.21 0.20 0.09 0.06 0.01 0.39 0.65
Interest 2.62 2.49 3.43 5.54 11.07 18.01 27.87 31.05 24.06 19.60 17.68 23.06 26.99
Depreciation 0.05 0.05 0.16 0.19 0.20 0.25 0.38 0.36 0.29 0.29 0.33 0.48 0.70
Profit before tax 1.29 1.54 1.81 4.02 5.72 8.27 12.72 10.36 10.29 12.15 13.99 18.10 13.85
Tax % 21.71% 34.42% 33.70% 31.59% 30.59% 31.32% 23.58% 26.54% 27.31% 27.74% 25.80% 28.56%
1.00 1.02 1.20 2.75 3.97 5.67 9.71 7.61 7.48 8.79 10.38 12.92 9.77
EPS in Rs 0.16 0.17 0.20 0.45 0.39 0.56 0.96 0.63 0.62 0.73 0.86 1.08 0.81
Dividend Payout % 0.00% 0.00% 0.00% 0.00% 12.72% 17.81% 10.40% 0.00% 8.03% 6.83% 11.57% 9.29%
Compounded Sales Growth
10 Years: 25%
5 Years: 3%
3 Years: 7%
TTM: 15%
Compounded Profit Growth
10 Years: 29%
5 Years: 6%
3 Years: 20%
TTM: -28%
Stock Price CAGR
10 Years: 15%
5 Years: 15%
3 Years: -4%
1 Year: -59%
Return on Equity
10 Years: 9%
5 Years: 7%
3 Years: 7%
Last Year: 8%

Balance Sheet

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 6.15 6.15 6.15 6.15 10.10 10.10 10.10 12.01 12.01 12.01 24.01 24.01 24.01
Reserves 5.66 6.67 7.87 10.62 26.24 30.37 38.99 118.02 125.57 133.82 131.00 142.77 146.60
20.72 23.38 35.90 64.52 103.39 194.71 269.18 188.59 163.90 159.77 170.72 241.86 241.97
2.55 4.50 14.51 23.61 19.44 36.16 15.14 21.93 15.02 12.24 15.38 17.48 24.37
Total Liabilities 35.08 40.70 64.43 104.90 159.17 271.34 333.41 340.55 316.50 317.84 341.11 426.12 436.95
0.43 0.39 0.93 1.19 1.01 1.89 1.69 1.41 1.36 1.37 1.40 4.20 4.03
CWIP 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Investments 0.74 1.07 2.09 3.20 5.43 9.52 11.08 3.45 3.23 8.58 6.28 4.67 5.47
33.91 39.24 61.41 100.51 152.73 259.93 320.64 335.69 311.91 307.89 333.43 417.25 427.45
Total Assets 35.08 40.70 64.43 104.90 159.17 271.34 333.41 340.55 316.50 317.84 341.11 426.12 436.95

Cash Flows

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
0.31 2.64 -10.18 -17.76 -37.33 -44.68 -44.17 40.03 50.48 34.00 5.53 -21.77
2.36 -0.34 -1.62 -1.57 -2.26 -5.21 -1.75 -2.30 0.40 -5.58 2.81 -1.59
-2.43 -1.69 11.95 19.42 39.97 51.45 45.47 -38.30 -48.68 -24.27 -7.93 46.94
Net Cash Flow 0.24 0.61 0.15 0.09 0.39 1.56 -0.45 -0.57 2.20 4.15 0.42 23.58

Ratios

Figures in Rs. Crores

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 69.05 203.61 287.16 0.00 0.00 0.00 0.00 0.00 73.61 50.45 0.00 1.55
Inventory Days 665.06 36.50
Days Payable 10.57 144.38
Cash Conversion Cycle 723.54 203.61 287.16 0.00 0.00 0.00 0.00 0.00 73.61 50.45 0.00 -106.33
Working Capital Days 650.12 1,464.47 1,498.92 372.04 175.20 368.57 9.28 -39.01 78.55 63.45 4.78 10.57
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%

Shareholding Pattern

Numbers in percentages

14 Recently
Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
34.87% 34.80% 34.80% 34.80% 34.80% 34.80% 34.81% 34.81% 34.81% 34.98% 35.42% 36.25%
0.00% 0.00% 0.00% 0.00% 0.00% 0.09% 0.00% 0.00% 0.03% 0.03% 0.04% 0.01%
65.12% 65.20% 65.20% 65.20% 65.19% 65.10% 65.19% 65.20% 65.18% 64.99% 64.55% 63.75%
No. of Shareholders 4,2735,4325,1235,0645,3415,51810,59910,42713,57316,60620,11322,071

* 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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