Baid Finserv Ltd.
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ABOUT
KEY POINTS
Revenue Breakup Mar 2015 • Hire Purchase: 89.0% • Other Finances: 7.6% • Investment: 2.4%
AI Sector View
AI GENERATEDFinancial Services
Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.
PROS
- Comfortable capital adequacy - CAR of 47.5%
- Solid return on assets for a lender - ROA of 3.0%
- Company has a consistent dividend-paying track record
- Attractively priced for its growth - PEG of 1.0
CONS
- Company has a low return on equity of 7.7% over last 3 years
- Company has a low return on capital employed of 11.1%
- Free cash flow has been persistently negative
- Operating margins have contracted to 52.5% from 58.3%
- Though reporting repeated profits, the company pays out little dividend (10.3%)
* The pros and cons are machine generated based on quantitative rules.
Peer comparison
| Name | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | 1034.20 | 31.71 | 643888.19 | 0.58 | 6080.60 | 27.60 | 23165.45 | 20.37 | 10.87 | 70.70 |
| SHRIRAMFIN | 1028.00 | 21.37 | 241893.03 | 1.05 | 3452.77 | 59.90 | 13400.43 | 17.46 | 11.49 | 74.63 |
| CHOLAFIN | 1845.00 | 27.40 | 157575.18 | 0.11 | 1656.22 | 45.56 | 8856.29 | 21.89 | 9.70 | 70.07 |
| TATACAP | 362.80 | 28.50 | 154003.85 | 0.16 | 16281.80 | 1464.16 | 88219.30 | 1051.00 | 8.66 | 75.72 |
| JIOFIN | 230.00 | 73.49 | 151872.26 | 0.26 | 8302.50 | 2457.29 | 20044.70 | 3172.82 | 2.11 | 69.71 |
| BAJAJHLDNG | 11120.70 | 13.97 | 123766.17 | 1.75 | 2708.08 | -92.27 | 394.33 | 23.34 | 14.81 | 684.72 |
| MUTHOOTFIN | 2794.40 | 9.86 | 112186.35 | 1.07 | 2824.84 | 43.08 | 8671.60 | 36.25 | 15.87 | 83.76 |
| ABCAPITAL | 398.60 | 26.59 | 109118.68 | 0.00 | 1223.85 | 43.85 | 12179.54 | 137.84 | 8.82 | 41.91 |
| LTF | 309.50 | 24.37 | 77571.61 | 0.89 | 915.99 | 30.70 | 5212.92 | 22.38 | 8.54 | 62.13 |
| SBICARD | 656.05 | 27.44 | 62432.55 | 0.38 | 664.44 | 19.51 | 5040.55 | 7.60 | 11.75 | 29.83 |
| HDBFS | 668.65 | 25.53 | 55549.10 | 0.60 | 785.20 | 38.31 | 4937.90 | 18.71 | 9.09 | 57.98 |
| BAIDFIN | 11.87 | 12.57 | 192.40 | 0.84 | 4.34 | 8.06 | 21.65 | 11.18 | 10.93 | 62.69 |
Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
| 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 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 16 | 14 | 18 | 15 | 16 | 16 | 19 | 22 | 19 | 20 | 21 | 25 | 22 | |
| 5 | 6 | 5 | 6 | 8 | 9 | 8 | 10 | 10 | 10 | 11 | 15 | 16 | |
| Operating Profit | 13 | 9 | 12 | 9 | 11 | 10 | 14 | 13 | 13 | 14 | 14 | 10 | 14 |
| OPM % | 79.21% | 60.84% | 70.70% | 57.76% | 66.89% | 66.12% | 71.27% | 56.85% | 69.18% | 71.62% | 66.88% | 38.61% | 62.69% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| Interest | 5 | 6 | 6 | 7 | 7 | 8 | 7 | 7 | 8 | 8 | 8 | 8 | 8 |
| Depreciation | 0 | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| 8 | 3 | 5 | 2 | 4 | 3 | 6 | 5 | 5 | 6 | 6 | 2 | 6 | |
| Tax % | 25.20% | 25.07% | 28.66% | 46.57% | 24.64% | 25.19% | 25.16% | 28.06% | 25.14% | 25.16% | 26.47% | 23.50% | 25.17% |
| Net Profit | 6 | 3 | 4 | 1 | 3 | 2 | 5 | 4 | 4 | 5 | 5 | 2 | 4 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Profit & Loss
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 28 | 41 | 58 | 63 | 53 | 50 | 55 | 66 | 82 | 97 | 87 | |
| 12 | 15 | 17 | 21 | 19 | 18 | 24 | 25 | 34 | 46 | 52 | |
| Operating Profit | 17 | 26 | 41 | 42 | 34 | 32 | 31 | 41 | 48 | 51 | 35 |
| OPM % | 59.54% | 64.47% | 69.95% | 66.42% | 63.58% | 63.93% | 56.58% | 62.49% | 58.11% | 52.49% | 40.06% |
| 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 1 | 2 | 2 | |
| Interest | 11 | 18 | 28 | 31 | 24 | 20 | 18 | 23 | 29 | 32 | 32 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| Profit before Tax | 6 | 8 | 13 | 10 | 10 | 12 | 14 | 18 | 18 | 20 | 21 |
| Tax % | 30.63% | 31.40% | 23.61% | 26.57% | 27.31% | 27.69% | 25.81% | 28.59% | 25.86% | 25.40% | 25.40% |
| Net Profit | 4 | 6 | 10 | 8 | 7 | 9 | 10 | 13 | 13 | 15 | 15 |
| EPS | 0.00 | 0.00 | 0.00 | 6.34 | 6.23 | 7.32 | 0.97 | 1.08 | 1.12 | 0.97 | — |
| Dividend Payout % | 25.45% | 17.80% | 10.40% | 0.00% | 8.03% | 6.83% | 11.57% | 9.29% | 8.93% | 10.34% | — |
COMPOUNDED SALES GROWTH
- 10 Years:
- 18%
- 5 Years:
- 13%
- 3 Years:
- 21%
COMPOUNDED PROFIT GROWTH
- 10 Years:
- 18%
- 5 Years:
- 15%
- 3 Years:
- 13%
STOCK PRICE CAGR
- 10 Years:
- —
- 5 Years:
- —
- 3 Years:
- -31%
- 1 Year:
- 8%
RETURN ON EQUITY
- 10 Years:
- 10%
- 5 Years:
- 7%
- 3 Years:
- 8%
- Last Year:
- 7%
Balance Sheet
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 10 | 10 | 10 | 12 | 12 | 12 | 24 | 24 | 24 | 31 |
| 26 | 30 | 39 | 118 | 126 | 134 | 131 | 143 | 155 | 199 | |
| 86 | 174 | 271 | 197 | 167 | 161 | 171 | 242 | 255 | 285 | |
| Trade Payables | 2 | 2 | 1 | 2 | 2 | 2 | 1 | 2 | 1 | 3 |
| 35 | 55 | 13 | 11 | 10 | 9 | 14 | 16 | 18 | 20 | |
| Total Liabilities | 159 | 271 | 333 | 341 | 316 | 318 | 341 | 426 | 454 | 539 |
| 1 | 2 | 2 | 1 | 1 | 1 | 1 | 4 | 5 | 6 | |
| 5 | 10 | 11 | 3 | 3 | 9 | 6 | 5 | 10 | 16 | |
| 33 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |
| Cash & Bank | 2 | 3 | 3 | 12 | 13 | 16 | 18 | 36 | 16 | 9 |
| 118 | 256 | 318 | 323 | 299 | 292 | 316 | 380 | 423 | 508 | |
| Total Assets | 159 | 271 | 333 | 341 | 316 | 318 | 341 | 426 | 454 | 539 |
Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
| -36 | -42 | -41 | 43 | 53 | 37 | 9 | -22 | 2 | -33 | |
| Cash from Investing | -2 | -5 | -2 | -2 | 0 | -6 | 3 | -2 | -6 | -8 |
| Cash from Financing | 40 | 51 | 45 | -38 | -49 | -24 | -8 | 47 | -17 | 37 |
| 0 | 2 | -0 | -1 | 2 | 4 | 0 | 24 | -21 | -4 |
Ratios
Consolidated Figures in Rs. Crores / View Standalone
| Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|
Documents
Corporate disclosures, annual reports, credit ratings, and concall transcripts
2026-09-08 - Please find attached herewith report received from the RTA of the Company, MCS Share Transfer Agent Limited dated September 08, 2026, on re-lodgement of transfer requests of physical shares for the month of August, 2026.
2026-08-27 - Baid Finserv Limited has informed the Exchange regarding 'Submission of Certificate received from Statutory Auditor in terms of Regulation 169(5) of the Securities and Exchange Board of India (Issue of Capital and Disclosure Requirements) Regulations, 2018 ( ICDR Regulations )'.
2026-08-27 - Newspaper Notice of 35th AGM to be held on 23rd September, 2026
2026-08-26 - Letter providing the web link for accessing the Annual Report dispatched to Shareholders.
2026-08-26 - Baid Finserv Limited has informed the Exchange regarding Notice of Annual General Meeting to be held on September 23, 2026
2026-08-26 - Annual Report 2025-26 duly submitted.
2026-08-26 - Allotment of Equity Shares pursuant to the exercise and conversion of Convertible Warrants
2026-08-26 - The Board of Directors of the Company in their meeting held on Wednesday, August 26, 2026 at the registered office of the Company situated at, Baid House , IInd Floor, 1, Tara Nagar, Ajmer Road, Jaipur- 302006, (Rajasthan) which commenced at 11:00 A.M. and concluded at 11:30 A.M., inter alia approved the allotment of 72,04,099 (Seventy Two Lakh Four Thousand Ninety Nine) Equity Shares of the Company of face value of Rs. 2/- each, at a premium of Rs. 13.10/- (Rupees Thirteen and Ten Paise Only) per share, pursuant to the exercise and conversion of 72,04,099 (Seventy Two Lakh Four Thousand Ninety Nine) convertible warrants against receipt of the balance subscription amount of Rs. 11.325/- per warrant (i.e. 75% of the issue price)
2026-08-14 - Newspaper Publication under Regulation 30 of SEBI (Listing Obligations and Disclosure Requirements) Regulations, 2015 pertaining to AGM and manner of dispatch of notice and annual report
News
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