Baid Finserv Limited (BAIDFIN) AI Stock Analysis

• Market Cap: ₹1.30B
• Dividend Yield: 0.92%
• Average Volume (3M): 18.82K
• Price to Earnings (P/E): 9.2
• Beta (1Y): 0.48
• Revenue Growth: 29.23%
• EPS Growth: 38.30%
• Country: IN
• Employees: 225
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Credit Services
• EPS (TTM): 0.33
• Shares Outstanding: 120,068,300
• 10 Day Avg. Volume: 20,797
• 30 Day Avg. Volume: 18,823
• 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: ₹12.00
• Price Target Upside: 10.80% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 64 Neutral
• Price Target: ₹12.00 ▲(10.80% 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.

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 2023	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	742.90M	825.46M	538.38M	392.61M	470.22M	493.12M
Gross Profit	365.58M	510.31M	245.74M	246.17M	199.40M	150.99M
EBITDA	203.47M	204.38M	134.36M	158.09M	152.73M	111.69M
Net Income	134.46M	134.46M	103.79M	129.24M	87.87M	74.80M
Balance Sheet
Total Assets	4.54B	4.54B	3.41B	4.26B	3.18B	3.16B
Cash, Cash Equivalents and Short-Term Investments	155.43M	155.43M	178.33M	360.96M	158.36M	127.92M
Total Debt	2.55B	2.55B	1.71B	2.42B	1.60B	1.64B
Total Liabilities	2.75B	2.75B	1.86B	2.59B	1.72B	1.79B
Stockholders Equity	1.79B	1.79B	1.55B	1.67B	1.46B	1.38B
Cash Flow
Free Cash Flow	0.00	3.33M	51.84M	-250.59M	337.01M	501.82M
Operating Cash Flow	0.00	19.28M	55.34M	-217.72M	339.99M	504.82M
Investing Cash Flow	0.00	-61.53M	28.11M	-15.86M	-55.76M	4.01M
Financing Cash Flow	0.00	-170.35M	-79.29M	469.39M	-242.69M	-486.79M

Baid Finserv Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.83
• 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 10.83 is below the 20-day moving average (MA) of 11.22, below the 50-day MA of 11.62, and below the 200-day MA of 11.73, indicating a bearish trend. The MACD of -0.12 indicates Positive momentum. The RSI at 36.05 is Neutral, neither overbought nor oversold. The STOCH value of 15.96 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
BAIDFIN	64 Neutral	₹1.30B	9.21	―	0.92%	29.23%	38.30%
TRU	46 Neutral	1.25B	-1.64	-36.54%	0.10%	-4.18%	-772.35%
YAARI	43 Neutral	1.83B	-2.74	24.67%	―	―	-206.51%
CAPTRUST	39 Underperform	937.55M	-8.69	1.29%	―	-3.14%	-429.98%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Baid Finserv Limited Corporate Events

Baid Finserv Limited Announces 34th AGM and Strategic Auditor Transition

Baid Finserv Limited has announced its 34th Annual General Meeting (AGM) scheduled for September 12, 2025, which will be conducted via video conferencing. The AGM will address key business items such as the adoption of financial statements, declaration of a final dividend, reappointment of a director, and appointment of new statutory auditors. The meeting is significant as it involves the transition to new auditors, M/s. ABSM & Associates, for a five-year term, replacing the retiring M/s. Khilnani and Associates. This change in auditors marks a strategic move for the company, potentially impacting its financial oversight and stakeholder confidence.

Baid Finserv Limited Reports Strong Q1 2025 Financial Results

Baid Finserv Limited announced its un-audited financial results for the quarter ending June 30, 2025, showing a significant increase in total income and net profit compared to the same period last year. The results, prepared according to Indian Accounting Standards, indicate a robust financial performance, which could positively impact the company’s market position and stakeholder confidence.