Is Baid Finserv Ltd (BAIDFIN) a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Baid Finserv Ltd is a average quality company .

Is Baid Finserv Ltd (BAIDFIN) undervalued or overvalued?

The key valuation ratios of Baid Finserv Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone .

What is Baid Finserv Ltd (BAIDFIN) share price return in the past 10 years?

Baid Finserv Ltd share price has appreciated 7.7% annually (CAGR) over the past ten years.

Is Baid Finserv Ltd (BAIDFIN) a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Semi Strong which suggest that the price of Baid Finserv Ltd is likely to Rise-somewhat in the short term. However, please check the rating on Quality and Valuation before investing.

What is the share price of Baid Finserv Ltd (BAIDFIN)?

Company share prices are keep on changing according to the market conditions. The current trading price of Baid Finserv Ltd (BAIDFIN) on 11-May-2026 11:34:00 at 11:34 is 11.11.

What is the market cap of Baid Finserv Ltd (BAIDFIN)?

Market capitalization is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 11-May-2026 at 11:34, the market cap of Baid Finserv stood at Rs. 180.13 Cr.

What is the P/E ratio of Baid Finserv?

The latest standalone P/E ratio of Baid Finserv as of 11-May-2026 is 10.63.

What is the P/B ratio of Baid Finserv Ltd (BAIDFIN)?

The latest standalone P/B ratio of Baid Finserv Ltd (BAIDFIN) as of 11-May-2026 is 0.77.

What is the 52-week high and low of Baid Finserv Ltd (BAIDFIN)?

The 52-week high of Baid Finserv Ltd (BAIDFIN) is Rs. 13.94 and the 52-week low is Rs. 9.00.

What is the TTM revenue of Baid Finserv Ltd (BAIDFIN)?

The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Baid Finserv is Rs. 81.92 (Cr.).

Baid Finserv Ltd (BAIDFIN) Share Analysis – Quality, Valuation Zone & Price Trend & DeciZen Rating

Name: Baid Finserv Ltd (BAIDFIN)
Brand: Baid Finserv

10 Year X-Ray :

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Operating Income (₹ Cr.)	18.2	28.5	40.8	58	62.6	53.5	49.9	54.9	65.9	82	82
YoY Gr. Rt. %	-	56.5%	43.3%	41.9%	7.9%	-14.6%	-6.6%	9.8%	20.2%	24.4%	-
Adj EPS (₹ )	0.4	0.4	0.6	1	0.6	0.6	0.7	0.9	1.1	1.1	1.1
YoY Gr. Rt. %	-	-11.4%	41%	72.7%	-34.7%	-1.6%	18%	18.1%	24.7%	3.8%	-
BVPS (₹ )	2.7	3.6	4	4.8	10.7	11.3	12	12.7	13.7	14.7	15
YoY Gr. Rt. %	-	32%	11.3%	21.3%	123%	5.8%	6%	6.3%	7.6%	7.4%	-
To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ
Net Profit/Total Funds (%)	3.2	3	2.6	3.2	2.3	2.3	2.8	3.2	3.4	3.1	0

CAGR ⓘ

CAGR Colour Code Guide ⓘ


	9 Years	5 Years	3 Years	1 Years
Net Interest Income	18.2%	5.6%	18%	24.4%
Adj EPS	10.7%	12.2%	15.2%	3.8%
BVPS	20.8%	6.6%	7.1%	7.4%
Share Price	7.7%	33.8%	-31.8%	10.3%

Key Financial Ratios


RATIOS \ YEARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25	TTM
Asset Quality Ratio	To view Asset Quality Ratio Colour Rating Guide click here ⓘ
Net NPA to Net Advances (%)	0	0	0	0	0	0	0	0	0	0	-
Capitalization Ratio	To view Capitalization Ratio Colour Rating Guide click here ⓘ
Capital Adequacy Ratio (%)	0	0	0	0	0	0	0	0	0	0	-
Margins
Net Profit Margin (%)	15.1	13.9	13.9	16.8	12.2	14	17.6	18.9	19.6	16.4	20.6
Performance Ratios	To view Performance Ratios Colour Rating Guide click here ⓘ
Return on Equity (%)	17.9	14.9	14.8	21.7	8.5	5.6	6.2	6.9	8	7.8	7.3

Recent Performance Summary

Total Income has increased 17.96 CAGR in last 3 years

Net Profit has increased 15.17 CAGR in last 3 years

Total income growth is good in last 4 quarters

Return on Equity has declined versus last 3 years average to 7.30%

	Standalone	Consolidated
TTM EPS (₹)	1.1	-
TTM Sales (₹ Cr.)	81.9	-
BVPS (₹) ⓘ	15	-
Reserves (₹ Cr.) ⓘ	199	-
P/BV ⓘ	0.77	-
PE ⓘ	10.63	-

From the Market
52 Week Low / High (₹)	9.00 / 13.94
All Time Low / High (₹)	0.16 / 47.84
Market Cap (₹ Cr.)	180
Equity (₹ Cr.)	31
Face Value (₹)	2
Industry PE ⓘ	28.3

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Income +	18	29	41	58	63	54	50	56	66	83
Interest Income	18	28	41	58	63	53	50	55	66	82
Other Income ⓘ	0	1	3	2	4	4	5	6	2	2
Exceptional Items ⓘ	0	0	0	0	0	1	0	1	0	1
Expenditure ⓘ +	14	23	33	46	52	44	38	42	48	64
Interest Expense ⓘ	6	11	18	28	31	24	20	18	23	29
Operating Expenses ⓘ	8	11	12	16	17	16	14	18	23	33
Provisions	0	1	3	2	4	4	5	6	2	2
Exceptional Items ⓘ	0	0	0	0	0	0	0	0	0	0
Profit Before Tax ⓘ	4	6	8	13	10	10	12	14	18	18
Taxes ⓘ	1	2	3	3	3	3	3	4	5	5
Profit After Tax	3	4	6	10	8	7	9	10	13	13
Adjusted EPS (₹)	0.4	0.4	0.6	1.0	0.6	0.6	0.7	0.9	1.1	1.1
Dividend Payout Ratio (%)	0%	25.50%	17.80%	10.40%	0%	8%	6.80%	11.60%	9.30%	8.90%

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Equity and Liabilities
Equity Capital +	17	36	40	49	130	138	146	155	167	179
Share Capital ⓘ	6	10	10	10	12	12	12	24	24	24
Reserves ⓘ	11	26	30	39	118	126	134	131	143	155
Short term borrowings	42	60	47	42	39	44	25	7	8	8
Long Term Borrowings	10	27	111	227	149	120	135	164	234	247
Current Liabilities	79	96	119	58	61	59	37	22	25	28
Trade Payables	1	2	2	1	2	2	2	1	2	1
Other Liabilities	-43	-62	-49	-43	-42	-46	-26	-8	-10	-10
Total Liabilities ⓘ	106	159	271	333	341	316	318	341	426	454
Assets
Non Current Asset +	9	108	154	214	207	188	191	227	262	283
Loan Asset	0	0	0	0	0	0	0	0	0	0
Other Non Current Asset ⓘ	9	108	154	214	207	188	191	227	262	283
Current Asset +	96	51	116	120	133	129	127	114	164	171
Current Investment	0	0	0	0	0	0	0	0	0	0
Other Current Asset	96	51	116	120	133	129	127	114	164	171
Total Assets ⓘ	106	159	271	333	341	316	318	341	426	454

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Cash Flow From Operating Activity ⓘ	-18	-37	-45	-44	40	50	34	6	-22	2
Cash Flow From Investing Activity ⓘ	-2	-2	-5	-2	-2	0	-6	3	-2	-6
Cash Flow From Financing Activity ⓘ	19	40	51	45	-38	-49	-24	-8	47	-17
Net Cash Flow ⓘ	0	0	2	-0	-1	2	4	0	24	-21

PARTICULARS	Mar'16	Mar'17	Mar'18	Mar'19	Mar'20	Mar'21	Mar'22	Mar'23	Mar'24	Mar'25
Operational & Financial Ratios
EPS (₹)	4.50	3.90	5.60	9.60	6.30	6.20	7.30	0.90	1.10	1.10
DPS (₹)	0	1	1	1	0	0.50	0.50	0.10	0.10	0.10
BVPS (₹)	27.3	36	40.1	48.6	108.3	114.6	121.5	12.9	13.9	14.9
Performance Ratios
ROA (%)	3.2	3.0	2.6	3.2	2.3	2.3	2.8	3.2	3.4	3.1
ROE (%)	17.9	14.9	14.8	21.7	8.5	5.6	6.2	6.9	8.0	7.8
ROCE (%)	14.6	15.2	14.0	14.7	13.0	11.1	10.5	10.0	11.2	11.3
Valuation Parameters
Price/Book(x)	1.5	1.9	4.1	1.5	0.7	0.2	1.4	2.7	1.4	0.6

About Baid Finserv Ltd

Baid Leasing and Finance Company was incorporated as a public limited company on December 20, 1991, under the Companies Act, 1956. The company received certificate of commencement of business on December 1, 1992 from Registrar of Companies at Jaipur. It was promoted by Pannalal Baid, Rakesh Kumar Baid and Sunil Jain.

The registered office of the company is situated at BAID House, 1 Taranagar, Ajmer Road Jaipur, Rajasthan- 302006.

Business area of the company

The company is engaged in the business of leasing and hire purchase, auto finance business etc.

Name of the IA registered with SEBI:	The Alchemists Ark Pvt. Ltd.
Logo:
Trade/Brand Name of IA:	MoneyWorks4Me Investment Advisers
Brand Logo:
SEBI Registration Number:	INA000013323 Validity – May 16, 2019 – Perpetual
Registration:	Non-Individual
BSE Enlistment No:	1187
Address:	B-101, Signet Corner Building, Balewadi Phata, Baner, Pune, Maharashtra 411045
Compliance officer Details:	Name: Shrikant Jagtap Email: shrikant.jagtap@moneyworks4me.com Telephone: +919860359463 Address: Same as IA
Grievance Officer Details:	Name: Mukta Vaze Email: mukta.vaze@moneyworks4me.com Telephone: +91 98609 19463 Address: Same as IA
Principal Officer Details:	Name: Atharva Bhide Email: atharva.bhide@moneyworks4me.com Telephone: +91 91758 99463 Address: Same as IA
Standard Warning:	Investment in securities market are subject to market risks. Read all the related documents carefully before investing.
Disclaimer:	Registration granted by SEBI, enlistment with exchange and certification from NISM in no way guarantee performance of the intermediary or provide any assurance of returns to investors.

Baid Finserv Ltd (BAIDFIN) Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating

Baid Finserv Share Price