Baid Finserv Limited (IN:BAIDFIN)
:BAIDFIN
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Baid Finserv Limited
(BAIDFIN)
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Rating:64Neutral
Price Target:
₹9.50
▼(-10.21% Downside)
Action:ReiteratedDate:09/09/25
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
Strong revenue growth
Sustained double-digit top-line expansion indicates the company is effectively growing its lending book and/or fee income. Over a 2-6 month horizon this supports durable interest revenue scaling, improves earnings capacity and provides operating leverage as fixed costs are spread over a larger base.
Negative Factors
High leverage
A debt-to-equity ratio of ~1.43 indicates material reliance on borrowed funds. Over several months this raises refinancing and interest-rate sensitivity risks for an NBFC, constrains flexibility for growth or provisioning, and increases vulnerability if cash conversion weakens or credit costs rise.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong revenue growth
Sustained double-digit top-line expansion indicates the company is effectively growing its lending book and/or fee income. Over a 2-6 month horizon this supports durable interest revenue scaling, improves earnings capacity and provides operating leverage as fixed costs are spread over a larger base.
Read all positive factors
Baid Finserv Limited (BAIDFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.52B
Dividend Yield0.85%
Average Volume (3M)18.98K
Price to Earnings (P/E)7.5
Beta (1Y)0.41
Revenue Growth27.19%
EPS Growth73.43%
CountryIN
Employees225
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)0.37
Shares Outstanding150,085,370
10 Day Avg. Volume14,393
30 Day Avg. Volume18,978
Financial Highlights & Ratios
PEG Ratio2.33
Price to Book (P/B)0.65
Price to Sales (P/S)1.43
P/FCF Ratio347.59
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
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, dwellin...
How the Company Makes Money
As an NBFC, the company’s primary revenue model is typically driven by interest income and fee-based income from its financial products and services; however, specific, company-confirmed details on Baid Finserv Limited’s exact product mix, revenue...
Baid Finserv Limited Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
65
Positive
Cash Flow
55
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 901.83M | 809.02M | 627.88M | 533.28M | 469.89M | 492.83M |
| Gross Profit | 349.02M | 277.57M | 246.17M | 249.88M | 196.70M | 137.92M |
| EBITDA | 241.21M | 188.67M | 185.80M | 166.51M | 124.39M | 85.13M |
| Net Income | 169.36M | 134.46M | 129.24M | 103.79M | 87.87M | 74.80M |
Balance Sheet | ||||||
| Total Assets | 4.86B | 4.54B | 4.26B | 3.41B | 3.18B | 3.16B |
| Cash, Cash Equivalents and Short-Term Investments | 143.41M | 153.15M | 360.96M | 176.46M | 158.36M | 127.92M |
| Total Debt | 2.72B | 2.55B | 2.42B | 1.71B | 1.84B | 2.08B |
| Total Liabilities | 2.95B | 2.75B | 2.59B | 1.86B | 1.72B | 1.79B |
| Stockholders Equity | 1.91B | 1.79B | 1.67B | 1.55B | 1.46B | 1.38B |
Cash Flow | ||||||
| Free Cash Flow | 2.29M | 3.33M | -250.59M | 51.84M | 337.01M | 501.82M |
| Operating Cash Flow | 15.75M | 19.28M | -217.72M | 55.34M | 339.99M | 504.82M |
| Investing Cash Flow | -46.37M | -61.53M | -15.86M | 28.11M | -55.76M | 4.01M |
| Financing Cash Flow | 42.83M | -170.35M | 469.39M | -79.29M | -242.69M | -486.79M |
Baid Finserv Limited Technical Analysis
Negative
10.58
Price Trends
11.03
Negative
10.85
Negative
11.05
Negative
Market Momentum
-0.33
Positive
42.19
Neutral
17.14
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 10.75, below the 50-day MA of 11.03, and below the 200-day MA of 11.05, indicating a bearish trend. The MACD of -0.33 indicates Positive momentum. The RSI at 42.19 is Neutral, neither overbought nor oversold. The STOCH value of 17.14 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
64 Neutral | ₹1.52B | 7.49 | ― | 0.85% | 27.19% | 73.43% | |
51 Neutral | ₹615.70M | -0.53 | ― | 0.12% | -26.94% | -1105.24% | |
50 Neutral | ₹1.29B | 7.59 | ― | ― | -6.94% | -97.47% | |
46 Neutral | ₹260.32M | 0.36 | ― | ― | 3048.97% | 99.88% | |
38 Underperform | ₹542.49M | -3.45 | ― | ― | -26.63% | -1320.85% |
* Financial Sector Average
IN:BAIDFIN
Baid Finserv Limited
10.14
-0.08
-0.78%
IN:CAPTRUST
Capital Trust Ltd. (India)
11.80
-47.62
-80.14%
IN:MAHAPEXLTD
Maha Rashtra Apex Corporation Limited
45.55
-15.97
-25.96%
IN:TRU
TruCap Finance Limited
5.18
-3.47
-40.12%
IN:WILLAMAGOR
Williamson Magor & Co.Ltd.
23.76
-6.62
-21.79%
Baid Finserv Limited Corporate Events
Baid Finserv Secures Auditor Nod for Preferential Warrant Issue Compliance
Mar 16, 2026
Baid Finserv Limited has submitted to the stock exchanges an independent statutory auditor’s certificate confirming compliance with Regulation 169 of the SEBI Issue of Capital and Disclosure Requirements Regulations, 2018, in relation to a p...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.