Baid Finserv (BAIDFIN) had a P/E of 9.3× on 6 Nov 2026, and the shares are 22% below their 52-week high. Net profit grew 13% a year over 3 years; its ROE of 7.3% is the lowest among the 7 largest Credit Services peers. ROCE and debt-to-equity are not meaningful for banks and lenders; it trades at 0.67× book value and its dividend yield is 1.0%. It is a small-cap company with a market cap of ₹163 Cr, ranked 75th of 193 Credit Services companies by market cap; the shares fell 1.4% over the past year.
- ₹10.23
- ₹10.23
- ₹10.00
- ₹10.17
- 36.5K
Health check
- ReturnsIn line
−1.4% over a year, better than 3 of 7 peers.
- Price tagCheaper
P/B 0.67 vs peer median 2.62.
- GrowthSlow
Profit +13.0% a year over 3 years.
- ProfitabilityWeak
ROE 7.3% vs peer median 18.7%.
- Balance sheetn/a
Asset quality (bad loans) isn’t in our data.
- Red flags1 to check
Return on equity is low at 7.3%.
Small cap
Defensive
Key metrics
- Market cap
- ₹163 Cr
- Small cap
- P/E
- 9.3
- Industry 15.5
- Price to book
- 0.67
- Peers 2.62
- Dividend yield
- 1.04%
- ROE
- 7.3%
- Peers 18.7%
- ROCE
- n/m
- Not meaningful for lenders
- Debt to equity
- n/m
- Not meaningful for lenders
- EPS (TTM)
- ₹1.08
- Face value ₹2
- OPM (TTM)
- 30.4%
- Net margin 28.6%
- Sales growth
- n/m
- Not meaningful for lenders
- Profit growth
- +8.2%
- Latest quarter vs a year ago
- Price to sales
- 3.05
Strengths and risks
Strengths
- Promoter stake up from 47.4% to 49.7%.
Risks to check
- Return on equity is low at 7.3%.
About Baid Finserv
Baid Finserv Limited operates as a non-banking finance company in India. The company provides car, new and used commercial vehicle, gold, small and medium enterprises, tractors, construction equipment, and other asset backed loans, as well as loan against property. 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…
- Headquarters
- Jaipur
- Employees
- 260
- Sector
- Financial Services
- ISIN
- INE020D01022
- Website
- baidfinserv.com
Price range
- Avg volume (3M)
- 1.1 L
- 1-year return
- minus 1.4%
- From 52-week high
- minus 22.5%
Peers · Credit Services
| Company | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCEBajaj Finance | 1,087.75 | plus 1.66% | 6,77,005 | 31.3 | 5.49 | 19.0% | 3.8% | 18.2% | 0.50% | plus 1.2% |
| SHRIRAMFINShriram Finance | 961.15 | minus 0.30% | 2,26,167 | 16.0 | 2.03 | 14.8% | 3.9% | 18.6% | 1.80% | plus 21.0% |
| CHOLAFINCholamandalam Investment and Finance Company | 1,785.00 | plus 1.42% | 1,53,103 | 24.5 | 4.41 | 20.6% | 2.6% | 25.2% | 0.11% | plus 0.8% |
| TATACAPTata Capital | 358.05 | plus 2.93% | 1,50,979 | 25.4 | 3.10 | 14.1% | 2.2% | – | 0.16% | plus 5.6% |
| MUTHOOTFINMuthoot Finance | 2,869.00 | plus 1.06% | 1,15,181 | 9.4 | 2.62 | 31.6% | 6.3% | 43.1% | 1.05% | minus 11.0% |
| PFCPower Finance Corporation | 328.80 | minus 0.18% | 1,08,507 | 4.1 | 0.74 | 18.7% | 2.7% | 17.7% | 4.99% | minus 16.9% |
| IRFCIndian Railway Finance Corporation | 80.43 | plus 0.37% | 1,05,110 | 14.3 | 1.73 | 12.6% | 1.4% | 4.4% | 2.74% | minus 34.4% |
| BAIDFINBaid Finserv | 10.06 | minus 1.08% | 163 | 9.3 | 0.67 | 7.3% | – | 13.0% | 1.04% | minus 1.4% |
| Median of 7 peers | – | 1.06% | 1,50,979 | 16.0 | 2.62 | 18.7% | 2.7% | 18.4% | 1.05% | 0.8% |
Quarterly results
| ₹ Cr | Jun 25 | Sep 25 | Dec 25 | Mar 26 | Jun 26 |
|---|---|---|---|---|---|
| 23.8 | 23.8 | 24.6 | 25 | 21.6 | |
| 17.4 | 17.4 | 17.8 | 17.8 | 13.2 | |
| 6.3 | 6.4 | 6.8 | 7.3 | 8.5 | |
| 26.7% | 26.8% | 27.6% | 29.0% | 39.2% | |
| 0.1 | 0.1 | 1.1 | 0.6 | 0.4 | |
| 0.2 | 0.2 | 0.2 | 0.2 | 0.2 | |
| −0.9 | −0.3 | −1.2 | −5.4 | −2.9 | |
| 5.4 | 6.1 | 6.5 | 2.2 | 5.8 | |
| 25.2% | 25.2% | 26.4% | 23.5% | 25.2% | |
| 4 | 4.6 | 4.8 | 1.7 | 4.3 | |
| 0.33 | 0.37 | 0.37 | 0.07 | 0.27 |
Profit & loss
- Profit CAGR 3Y
- +13.0%
- EPS CAGR 3Y
- +6.3%
- ROE
- 7.3%
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 53.3 | 63.3 | 80.9 | 95.7 | |
| – | +18.7% | +27.8% | +18.2% | |
| 36.7 | 47.5 | 63.5 | 71.5 | |
| 16.7 | 15.8 | 17.4 | 24.1 | |
| 31.2% | 25.0% | 21.6% | 25.2% | |
| 1.4 | 4.9 | 1.5 | 3.4 | |
| 0.3 | 0.5 | 0.7 | 0.9 | |
| −3.8 | −2.1 | −0 | −6.6 | |
| 14 | 18.1 | 18.1 | 20.1 | |
| 25.8% | 28.6% | 25.9% | 25.4% | |
| 10.4 | 12.9 | 13.4 | 15 | |
| – | +24.5% | +4.0% | +11.4% | |
| 0.96 | 1.07 | 1.12 | 1.15 |
Forecast
Balance sheet
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 24 | 24 | 24 | 31 | |
| 131 | 143 | 155 | 202 | |
| 171 | 242 | 255 | 285 | |
| 15.4 | 17.5 | 19.7 | 20.9 | |
| 341 | 426 | 454 | 539 | |
| 1.3 | 4 | 5.1 | 5.7 | |
| 9.1 | 6.7 | 10.5 | 13.4 | |
| 17.6 | 36.1 | 15.5 | 8.7 | |
| 313 | 379 | 423 | 511 | |
| 341 | 426 | 454 | 539 |
Cash flow
| ₹ Cr | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|
| 5.5 | −21.8 | 1.9 | −33.3 | |
| 2.8 | −1.6 | −6.2 | −7.8 | |
| −7.9 | 46.9 | −17 | 36.8 | |
| 0.4 | 23.6 | −21.3 | −4.2 | |
| −0.3 | −3.3 | −1.7 | −1.6 | |
| 5.2 | −25.1 | 0.2 | −34.9 | |
| −1.2 | −1.2 | −1.2 | −1.2 |
Shareholding pattern
- Promoters49.73%
- Public50.27%
| Quarter | Split | Promoters | Public | Promoter change |
|---|---|---|---|---|
| 30 Sep 2026 | 49.73% | 50.27% | 0.00 | |
| 26 Aug 2026 | 49.73% | 50.27% | plus 2.34 | |
| 30 Jun 2026 | 47.39% | 52.61% | 0.00 | |
| 31 Mar 2026 | 47.39% | 52.61% | 0.00 | |
| 12 Mar 2026 | 47.39% | 52.61% | – |
Major shareholders
Filings & events
News
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