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Baid Finserv Ltd.

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baidfinserv.comBSE: 511724NSE: BAIDFIN
Market Cap₹ 192 Cr.
Current Price
High / Low₹ 13 / 9
Stock P/E12.6
Book Value₹ 15
Price to Book0.61
Dividend Yield0.84 %
ROCE10.9 %
ROE7.3 %
Face Value₹ 2

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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 GENERATED

Financial Services

Buy

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.

Confidence
84%
View full sector analysis →

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

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTY 500NIFTY LARGEMIDCAP 250NIFTY 100NIFTY 200
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.268302.502457.2920044.703172.822.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.BAIDFIN11.8712.57192.400.844.348.0621.6511.1810.9362.69
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
16141815161619221920212522
5656898101010111516
Operating Profit139129111014131314141014
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 Income0000000000110
Interest5667787788888
Depreciation0020000000000
8352436556626
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 Profit6341325445524
0000000000000

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
2841586353505566829787
1215172119182425344652
Operating Profit1726414234323141485135
OPM %59.54%64.47%69.95%66.42%63.58%63.93%56.58%62.49%58.11%52.49%40.06%
00001010122
Interest1118283124201823293232
Depreciation00000000111
Profit before Tax68131010121418182021
Tax %30.63%31.40%23.61%26.57%27.31%27.69%25.81%28.59%25.86%25.40%25.40%
Net Profit46108791013131515
EPS0.000.000.006.346.237.320.971.081.120.97—
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

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2022

Jun 20

1:1

Increase in Authorised Capital & Bonus issue & Audited Results Inter alia, to consider and approve : 1. Audited Financial Results of the Company for the Quarter and Year ended on March 31, 2022 along with the statement of assets and liabilities as on that date and cash flow statement for the year ended on March 31, 2022 and to take on record Auditor?s report thereon. 2. Recommendation for increase in Authorised Share Capital of the Company and consequent alteration of Capital clause of Memorandum of Association of the Company. 3. Recommendation for issue of bonus equity shares of the Company. 4. Recommendation for change of name of the Company and consequent alteration in Memorandum of Association (?MOA?) and Articles of Association (?AOA?) of the Company. 5. Notice of Postal Ballot.

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital10101012121224242431
263039118126134131143155199
86174271197167161171242255285
Trade Payables2212221213
3555131110914161820
Total Liabilities159271333341316318341426454539
1221111456
51011339651016
33000000010
0000000000
Cash & Bank2331213161836169
118256318323299292316380423508
Total Assets159271333341316318341426454539

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-36-42-414353379-222-33
Cash from Investing-2-5-2-20-63-2-6-8
Cash from Financing405145-38-49-24-847-1737
02-0-124024-21-4

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
35.4136.2536.2536.2536.2545.7147.3947.39
0.040.010.290.290.260.210.200.19
DIIs0.000.000.000.000.000.000.000.00
Government0.000.000.000.000.000.000.000.00
64.5563.7463.4763.4663.4954.0952.4152.42

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-08
Updates

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
Updates

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
Copy of Newspaper Publication

2026-08-27 - Newspaper Notice of 35th AGM to be held on 23rd September, 2026

2026-08-26
General Updates

2026-08-26 - Letter providing the web link for accessing the Annual Report dispatched to Shareholders.

2026-08-26
Shareholders meeting

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
General Updates

2026-08-26 - Annual Report 2025-26 duly submitted.

2026-08-26
General Updates

2026-08-26 - Allotment of Equity Shares pursuant to the exercise and conversion of Convertible Warrants

2026-08-26
Outcome of Board Meeting

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
Copy of Newspaper Publication

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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