Baid Finserv Limited (BAIDFIN) AI Stock Analysis

• Market Cap: ₹1.59B
• Dividend Yield: 0.85%
• Average Volume (3M): 18.98K
• Price to Earnings (P/E): 7.6
• Beta (1Y): 0.47
• Revenue Growth: 27.19%
• EPS Growth: 73.43%
• Country: IN
• Employees: 225
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.37
• Shares Outstanding: 150,085,370
• 10 Day Avg. Volume: 14,393
• 30 Day Avg. Volume: 18,978
• PEG Ratio: 2.33
• Price to Book (P/B): 0.65
• Price to Sales (P/S): 1.40
• P/FCF Ratio: 347.59
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 64 Neutral
• Price Target: ₹12.00 ▲(13.42% Upside)

Baid Finserv Limited's overall stock score is driven by strong financial performance, particularly in revenue growth and gross margins. However, high leverage and cash flow challenges are significant risks. The technical analysis indicates bearish momentum, which could impact short-term performance. Valuation metrics suggest the stock is undervalued, providing potential upside if financial and technical issues are addressed.

Positive Factors

Revenue Growth

Strong revenue growth indicates a positive business trajectory, reflecting successful market penetration and product demand, which can support long-term expansion and stability.

Gross Profit Margin

A robust gross profit margin suggests effective cost management and pricing power, which can sustain profitability and competitive advantage over time.

Comprehensive Financial Solutions

Offering a wide range of financial products diversifies revenue streams and enhances customer retention, positioning BAIDFIN as a comprehensive financial solutions provider.

Negative Factors

High Leverage

High leverage can increase financial risk and limit flexibility, potentially impacting the company's ability to invest in growth opportunities and weather economic downturns.

Net Profit Margin Decline

A declining net profit margin suggests rising costs or inefficiencies, which could pressure profitability and require strategic adjustments to maintain financial health.

Cash Flow Challenges

Low cash conversion efficiency indicates potential liquidity issues, which may hinder the company's ability to fund operations and growth initiatives without external financing.

Baid Finserv Limited Business Overview & Revenue Model

Company Description

Baid Finserv Limited operates as a non-banking finance company in India. The company provides car loans, commercial vehicle loans, small and medium enterprise loans, loan against property, and other asset backed loans. It also offers life, dwelling, and motor insurance products. The company was formerly known as Baid Leasing and Finance Co. Ltd. and changed its name to Baid Finserv Limited in July 2022. Baid Finserv Limited was incorporated in 1991 and is based in Jaipur, India.

How the Company Makes Money

Baid Finserv Limited generates revenue through various key streams, primarily from the interest earned on loans disbursed to customers. The company charges interest on personal, business, and vehicle loans, which constitutes a significant portion of its income. Additionally, BAIDFIN earns fee-based income through processing fees, late payment charges, and other ancillary services associated with its loan products. The company may also generate revenue from investment management services and commissions on insurance products. Strategic partnerships with banks and financial institutions enhance its lending capabilities and broaden its customer base, further contributing to its earnings. The overall revenue model is supported by a robust risk assessment framework, ensuring sustainable growth in its lending portfolio.

Baid Finserv Limited Financial Statement Overview

Summary

Baid Finserv Limited shows strong revenue growth and solid gross margins, indicating a positive business trajectory. However, the decline in net profit margin and high leverage are areas of concern. The cash flow analysis reveals challenges in cash conversion, which could impact liquidity. Overall, while the company shows potential, it needs to address leverage and cash flow issues to enhance financial stability.

Income Statement

Baid Finserv Limited has shown strong revenue growth of 22.48% in the latest period, indicating a positive trajectory. The gross profit margin remains robust at 61.82%, reflecting efficient cost management. However, the net profit margin has decreased to 16.29% from the previous year's 32.92%, suggesting increased expenses or other financial pressures. The EBIT margin is healthy at 23.87%, but the decline from the previous year indicates potential challenges in operational efficiency.

Balance Sheet

The company's debt-to-equity ratio is relatively high at 1.43, indicating significant leverage, which could pose risks if not managed properly. The return on equity is moderate at 7.51%, showing decent profitability relative to shareholders' equity. The equity ratio stands at 39.42%, suggesting a balanced capital structure but with room for improvement in reducing debt levels.

Cash Flow

The cash flow situation is mixed, with a significant improvement in free cash flow growth, but the operating cash flow to net income ratio is low at 0.32, indicating potential issues in converting income into cash. The free cash flow to net income ratio is 17.29%, which is relatively low, suggesting limited cash generation relative to net income.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	858.10M	809.02M	627.88M	533.28M	469.89M	492.83M
Gross Profit	296.33M	277.57M	246.17M	249.88M	196.70M	137.92M
EBITDA	209.22M	188.67M	185.80M	166.51M	124.39M	85.13M
Net Income	143.43M	134.46M	129.24M	103.79M	87.87M	74.80M
Balance Sheet
Total Assets	4.82B	4.54B	4.26B	3.41B	3.18B	3.16B
Cash, Cash Equivalents and Short-Term Investments	276.90M	153.15M	360.96M	176.46M	158.36M	127.92M
Total Debt	2.74B	2.55B	2.42B	1.71B	1.84B	2.08B
Total Liabilities	2.94B	2.75B	2.59B	1.86B	1.72B	1.79B
Stockholders Equity	1.79B	1.79B	1.67B	1.55B	1.46B	1.38B
Cash Flow
Free Cash Flow	0.00	3.33M	-250.59M	51.84M	337.01M	501.82M
Operating Cash Flow	0.00	19.28M	-217.72M	55.34M	339.99M	504.82M
Investing Cash Flow	0.00	-61.53M	-15.86M	28.11M	-55.76M	4.01M
Financing Cash Flow	0.00	-170.35M	469.39M	-79.29M	-242.69M	-486.79M

Baid Finserv Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.58
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BAIDFIN, the sentiment is Negative. The current price of 10.58 is below the 20-day moving average (MA) of 11.31, below the 50-day MA of 10.70, and below the 200-day MA of 10.89, indicating a bearish trend. The MACD of <0.01 indicates Positive momentum. The RSI at 43.10 is Neutral, neither overbought nor oversold. The STOCH value of 18.68 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:BAIDFIN.

Baid Finserv Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BAIDFIN	64 Neutral	₹1.59B	7.61	―	0.85%	27.19%	73.43%
MAHAPEXLTD	54 Neutral	₹1.40B	15.49	―	―	-6.94%	-97.47%
WILLAMAGOR	49 Neutral	₹314.12M	-107.10	―	―	3048.97%	99.88%
TRU	44 Neutral	₹935.44M	-0.83	―	0.12%	-26.94%	-1105.24%
YAARI	41 Neutral	₹29.66B	-1.87	―	―	―	-206.51%
CAPTRUST	38 Underperform	₹595.82M	-1.24	―	―	-26.63%	-1320.85%

Baid Finserv Limited Corporate Events

Baid Finserv Limited Fined for SEBI Regulation Non-Compliance

Baid Finserv Limited has been fined by BSE and NSE for non-compliance with Regulation 29 of the SEBI Listing Regulations, resulting in a penalty of Rs. 11,800 from each exchange. The company has already paid the fines and stated that the financial impact is limited to the penalty amount, with no material effect on its operations or financial activities.

Baid Finserv Limited Successfully Completes Rights Issue

Baid Finserv Limited announced the successful completion of its Rights Issue, which involved the issuance of up to 3,00,17,075 fully paid-up equity shares at a price of Rs. 10 per share. The Rights Issue was well-received, with a total of 762 valid applications for 32,324,778 Rights Equity Shares, leading to the allotment of 30,017,075 shares. This move is expected to strengthen the company’s capital base and enhance its market positioning.

Baid Finserv Limited Announces Terms for Proposed Rights Issue

Baid Finserv Limited has announced the approval of terms and conditions for its proposed Rights Issue, which includes the issue price, rights entitlement ratio, record date, and issue schedule. The Rights Issue aims to issue 3,00,17,075 fully paid-up equity shares at a price of Rs. 10 per share, with a rights entitlement ratio of 1:4. This initiative is expected to enhance the company’s capital base and potentially improve its market positioning, offering existing shareholders an opportunity to increase their investment in the company.