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10 Yrs X-Ray 
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Analyst Note 
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About
Baid Finserv Ltd (BAIDFIN)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511724 NSE: BAIDFIN Finance - NBFC | Small Cap | Baid Finserv Share Price
₹10.05 -1.82 (-15.33%)
As on 15-Sep'26 16:59
Baid Finserv Ltd (BAIDFIN)
Share Analysis – Quality, Valuation Zone, Price Trend & DeciZen Rating BSE: 511724 NSE: BAIDFIN Finance - NBFC | Small Cap | Baid Finserv Share Price
₹10.05 -1.82 (-15.33%)
As on 15-Sep'26 16:59
Key Metrics
Valuation Multiples
Market Cap
₹163 Cr.
Current Price
₹10.1
52-Week Low / High
₹9 / 13
TTM EPS
-
Book Value per Share
-
P/E Ratio
Industry PE
26.3
Price to Book (P/B)
EV/EBITDA
Dividend Yield
0%
Profitability Efficiency
Return on Equity (ROE)
%
Return on Capital Employed (ROCE)
%
Return on Assets (ROA)
%
Growth Momentum
1-yr vs 3-yr growth
1-yr vs 3-yr growth
Net Interest Income Growth (1 Year)
Improving versus 3-year growth rate
24.05%
Book Value Growth (1 Year)
Slowing versus 3-year growth rate
0.95%
Asset Quality
Gross NPA(%)
2.66%
Net NPA(%)
0.39%
TTM Sales
-
Reserves
-
Equity
₹32.4 Cr.
Face Value
₹2
All Time Low / High
₹0.16 / 47.84
Check Before You Invest
Quality
Not GoodValuation
Somewhat UndervaluedCheck Valuation charts
Price Trend
Semi Strong
Is Baid Finserv Ltd a good quality company?
Baid Finserv Ltd is a weak quality company, based on a inconsistent multi-year financial track record.
This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.
We have analysed the performance of the company on the following:
-
How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
-
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
-
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.
How does Baid Finserv Ltd performance compare with that of its Peers?
AUM Growth of Baid Finserv Ltd vs Industry Peers?
Baid Finserv Ltd AUM CAGR is %, compared to the 0-year industry median CAGR of 9.58%, indicating slower growth and losing its market share.
Promoter shareholding and pledge status of Baid Finserv Ltd?
Promoters hold 47.39% of the Baid Finserv Ltd, with 0.00% of their stake pledged, indicating no pledge risk.
Stock return of Baid Finserv Ltd over the last decade?
Over the last 9 years, the stock has delivered a CAGR of 9.1% based on the current price.
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)
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year endData adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
What is a Financial Track Record? How to read this chart in order to understand the data present here?
Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Baid Finserv Ltd has not performed well majority of the past ten years indicating its past ten year financial track record is not good
| Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 28.5 | 40.8 | 58 | 62.6 | 53.5 | 49.9 | 54.9 | 65.9 | 82 | 97.3 | 87 | |
| YoY Gr. Rt. % | - | 43.3% | 41.9% | 7.9% | -14.6% | -6.6% | 9.8% | 20.2% | 24.4% | 18.6% | - | |
| Adj EPS (₹ ) | 0.4 | 0.6 | 1 | 0.6 | 0.6 | 0.7 | 0.9 | 1.1 | 1.1 | 1 | 0.9 | |
| YoY Gr. Rt. % | - | 41% | 72.7% | -34.7% | -1.6% | 18% | 18.1% | 24.7% | 3.8% | -11.8% | - | |
| BVPS (₹ ) | 3.6 | 4 | 4.8 | 10.7 | 11.3 | 12 | 12.7 | 13.7 | 14.7 | 14.9 | 14.6 | |
| YoY Gr. Rt. % | - | 11.3% | 21.3% | 123% | 5.8% | 6% | 6.3% | 7.6% | 7.4% | 1% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 3 | 2.6 | 3.2 | 2.3 | 2.3 | 2.8 | 3.2 | 3.4 | 3.1 | 3 | 0 | |
CAGR ⓘ
| 9 Years | 5 Years | 3 Years | 1 Years | |||||
|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 14.6% | 12.7% | 21% | 18.6% | ||||
| Adj EPS | 10.7% | 9.7% | 4.5% | -11.8% | ||||
| BVPS | 17.2% | 5.6% | 5.3% | 1% | ||||
| Share Price | 7.1% | 25.7% | -33.4% | -9.3% | ||||
Key Financial Ratios
| RATIOS \ YEARS | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | Mar'23 | Mar'24 | Mar'25 | Mar'26 | 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 (%) | 13.9 | 13.9 | 16.8 | 12.2 | 14 | 17.6 | 18.9 | 19.6 | 16.4 | 15.4 | 17.5 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 14.9 | 14.8 | 21.7 | 8.5 | 5.6 | 6.2 | 6.9 | 8 | 7.8 | 7.3 | 6.5 | |
Valuation of Baid Finserv - Consolidated
Analyst's Notes
No data found!
Management X-Ray
Shareholding Pattern
Promoter's Holding & Share Pledging
| Pledged * | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
* Pledged shares as % of Promoter's holding (%)
Financials
No data found!
No data found!
No data found!
No data found!
Top 5 Mutual Funds Holding
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Announcements
Baid Finserv Ltd FAQs
The current trading price of Baid Finserv on 15-Sep-2026 16:59 is ₹10.05.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 14-Sep-2026 the market cap of Baid Finserv stood at ₹162.9 Cr
The latest P/E ratio of Baid Finserv as of 14-Sep-2026 is 10.65.
The latest P/B ratio of Baid Finserv as of 14-Sep-2026 is 0.69.
The 52-week high of Baid Finserv is ₹13.49 and the 52-week low is ₹9.00.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Baid Finserv is ₹87.00 ( Cr.) .
Past 10 year’s financial track record analysis by Moneyworks4me indicates that Baid Finserv Ltd is a below average quality company.
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.
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.
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.
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