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Prices as of 8 Oct 2026 close · Not investment advice

Baid Finserv Limited

NSE: BAIDFINNon Banking Financial Company (NBFC)

Share price

₹10.17

-0.39% close of 8 Oct 2026

Market cap ₹158 CrP/E 10.3

Price-based ratios (P/B, dividend yield, EV/EBITDA) are as of 7 Oct 2026, the close above is 8 Oct 2026.

Business score

How strong the business is, in one number. The parts behind it are in Pro.

64

out of 100 · worked out 8 Oct 2026

Your ratios

The numbers you want to see first. Tap Edit to change them.

Market cap

₹158 Cr

P/E ratio

10.3

P/B ratio

0.7

ROCE

10.9%

ROE

7.3%

Dividend yield

1.0%

Price & valuation chart

How the share price and its valuation have moved. Hover over the chart to see any day. Prices as of the last close.

Prices as of 8 Oct 2026 close52-week high ₹12.4752-week low ₹9.10

Answers

Simple answers to the questions investors ask most, from the company's own numbers.

How fast it has been growing

Our sales figures for this company step down at Dec 2012 and we hold nothing that says why, so we cannot honestly quote a growth rate across it.

Whether it grew faster than its sector

Our sales figures for this company step down at Dec 2012 and we hold nothing that says why, so there is no honest growth rate of its own to set against its sector.

Room to re-rate, or risk of de-rating

At 10.3× earnings against a market that pays 23.9× across 2199 companies we can price. Its own industry sits at 14.2×, across 5 companies. It is against its own five-year median of 23.9×, the 10th percentile of its own range.

Whether growth justifies the valuation

Priced at 0.8 times its growth rate, on earnings growth of 13%.

Profit growthPrice per ₹1 profitPer 1% growth
Baid Finserv Limited — this one13%/yr10.3×₹0.79
Five-Star Business Finance Limited22%/yr13.7×₹0.62
SBFC Finance Limited44%/yr18.7×₹0.43
Paisalo Digital Limited35%/yr29.3×₹0.84
Bengal & Assam Company Limited-5%/yr8.4×—
Fedbank Financial Services Limited22%/yr14.2×₹0.64

Compared with companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

How it compares with its peers

Against companies the exchange files under the same label (Non Banking Financial Company (NBFC)), it ranks 41 of 73 on returns, 28 of 68 on growth. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

What makes it hard to beat — and is that still true?

No durable advantage shows in the numbers: it earns 7.3% on capital, ahead of 44% of companies filed under the same label. That grouping comes from the exchange's filing category, so some of them may not be real rivals.

Whether its growth pays for itself

This question does not fit a lender: the money it lends out is its day-to-day outflow and the deposits or premiums it takes are the inflow, so a cash bridge cannot say whether its growth pays for itself. Look at the return on owners' money instead.

Profit reality check

Is the profit real cash? Simple checks on the accounts. Facts only, not advice.

Not enough filed accounts to run these checks yet.

Latest result · Q1 FY27

What the last results showed. Whether management kept its word is in Pro.

Announced 13 Aug 2026 · Standalone · Unaudited

Revenue

₹22 Cr

Net profit

₹4 Cr

Profit vs last year

+8.1%

Profit vs last quarter

+161.7%

Net margin

20.1%

EPS

₹0.28

Checklist before you investPRO

Points for and against, in one list.

Key numbers & peers

The main numbers grouped by topic, and how the company compares with similar ones.

Price

Market cap
₹158 Cr
Prev close
₹10.17
52w High
₹13.0
52w Low
₹8.8
Enterprise value
—
Beta
1.0
Price CAGR 1y
-3.0%
Price CAGR 3y
-26.0%
Price CAGR 5y
24.0%
Price CAGR 10y
5.0%

Ratios

Return on assets
2.8%
PEG ratio
0.8
P/E ratio
10.3
P/B ratio
0.7
EV / EBITDA
—
Industry P/E
16.8
ROCE
10.9%
ROCE 5y average
—
ROE
7.3%
Debt / Equity
1.2
Interest coverage
—
Dividend yield
1.0%
ROE 3y average
8.0%
ROE last year
7.0%

Annual P&L

Annual revenue
₹99 Cr
Annual profit
₹15 Cr
Operating margin
21.0%
Net profit margin
15.2%
EBITDA margin
20.2%
Sales growth 3y
20.9%
Sales growth 5y
12.9%
Profit growth 3y
13.0%
Profit growth 5y
15.0%
EPS
₹1.0
Sales growth TTM
9.0%
Profit growth TTM
7.0%
Dividend payout
10.0%

Quarter P&L

Sales latest quarter
₹22 Cr
Profit latest quarter
₹4 Cr
YoY quarterly sales growth
-9.0%
YoY quarterly profit growth
8.0%
OPM latest quarter
26.0%

Balance Sheet

Book Value
₹15.0
Face Value
₹2.0
Total debt
₹285 Cr
Total cash
—
Borrowings
₹285 Cr
Reserves / Equity
6.5

Cash Flow

Operating cash flow
-₹33 Cr
Free cash flow
-₹35 Cr
FCF yield
—
Net cash flow
-₹4 Cr

Shareholding

Promoter holding
49.7%
FII holding
0.2%
DII holding
—
Public holding
50.1%

Peer comparison

CompanyPrice ₹P/EMkt cap ₹ CrDiv yield %Profit qtr ₹ CrProfit var %Sales qtr ₹ CrSales var %ROCE %
Bajaj Finance963.8529.36,00,9000.566,080.627.423,165.518.610.9
Shriram Finance948.0019.62,21,9301.143,452.859.913,400.416.211.5
Tata Capital320.5525.11,36,1330.181,628.256.38,821.915.18.6
Cholaman.Inv.&Fn1,564.7023.31,33,9150.131,656.245.68,856.321.99.7
Muthoot Finance2,654.409.41,06,4651.132,824.838.88,671.634.415.8
L&T Finance Ltd260.2520.465,2041.06916.028.75,212.922.48.4
SBI Cards557.4023.252,8080.45664.419.55,040.63.410.1
Baid Finserv10.2110.71640.984.38.021.6-9.010.9
Median141.7419.64790.0010.837.948.627.79.4

Competes with: Bajaj Finance, Cholamandalam Investment & Finance, HDB Financial Services Limited, L&T Finance Limited, Muthoot Finance, SBI Cards & Payment Services, Shriram Finance Limited, Tata Capital Limited

Quarterly results

Sales and profit for each of the last 13 quarters. Newest on the right. ₹ crore.

Standalone · to 30 Jun 2026
Line itemJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue18151815192021222424252522
Expenses5.416.205.146.408.049.167.609.55109.7111158.07
Financing Profit7.543.306.662.213.762.846.485.235.486.145.611.855.63
Financing Margin %41223815201430242326237.4026
Other Income0.070.250.070.050.470.060.010.020.130.141.100.560.41
Interest5.295.515.716.547.097.657.267.347.997.998.187.817.94
Depreciation0.120.131.670.220.080.290.170.190.240.200.250.240.23
Profit before tax7.493.425.062.044.152.616.325.065.376.086.462.175.81
Tax %25252947252525282525262425
Net Profit5.612.563.611.083.121.964.733.644.024.554.751.664.34
EPS in Rs0.370.170.240.070.210.130.320.240.270.300.320.110.28

Profit & loss

Yearly sales, costs and profit for 12 years, plus the last 12 months (TTM). ₹ crore.

Standalone · to 31 Mar 2026
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Revenue8182841586354505666829995
Expenses381215172119182425344644
Financing Profit2468131110121418192019
Financing Margin %23232121221719252628232120
Other Income0000000000012
Interest361118283124201823293232
Depreciation0000000000.480.7311
Profit before tax2468131010121418182021
Tax %343231312427272826292625
Net Profit1346108791013131515
EPS in Rs0.160.360.320.450.770.510.500.590.690.860.900.971.01
Dividend Payout %00131810087129910

Compounded growth

Average yearly growth over different spans, as stored. A span can cross a demerger or an acquisition.

Compounded sales growth

10 years
19%
5 years
13%
3 years
21%
TTM
9%

Compounded profit growth

10 years
19%
5 years
15%
3 years
13%
TTM
7%

Stock price CAGR

10 years
5%
5 years
24%
3 years
-26%
1 year
-3%

Return on equity

10 years
8%
5 years
7%
3 years
8%
Last year
7%

Balance sheet

What the company owns and what it owes, at the end of each year. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital6610101012121224242431
Reserves811263039118126134131143155202
Borrowing3665103195269189164160171242255285
Other Liabilities152419361522151215172021
Total Liabilities64105159271333341316318341426454539
Fixed Assets111221111456
CWIP000000000000
Investments2351011339651016
Other Assets61101153260321336312308333417439517
Total Assets64105159271333341316318341426454539

Cash flows

Real money coming in and going out each year — from the business, from investments and from loans. ₹ crore.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity-10-18-37-45-444050346-221.93-33
Cash from Investing Activity-2-2-2-5-2-20-63-2-6-8
Cash from Financing Activity1219405145-38-49-24-847-1737
Net Cash Flow0002-0-124024-21-4
Free Cash Flow-11-18-37-46-444050345-250-35

Ratios

How fast customers pay, how long stock sits, and how well capital earns — year by year.

Standalone
Line itemMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9181515228667887

Shareholding pattern

Who owns the company — founders (promoters), foreign funds, Indian funds and the public. In %.

Standalone · to 30 Sep 2026
Line itemMar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Aug 2026Sep 2026
Promoters353535363636364647475050
FIIs0.030.030.040.010.290.290.260.210.200.190.180.18
Public656565646363635452525050
No. of Shareholders13,57316,60620,11322,07123,39023,63323,49223,16423,26022,79722,37322,302

Price trend

The price as a Renko brick chart: small moves drop out so the bigger path stands out.

Change over 1 year -3.6% (₹10.55 → ₹10.17)Brick size ₹0.70 (fixed)Bricks 13
₹8.00₹12.00₹10.17Jan '26Apr '26
Price moved up one brickPrice moved down one brickLast close ₹10.17 on 8 Oct 2026

Every brick is the same size, about one typical day's move. A new brick needs a full brick's move; turning the other way needs two. Bricks show where the price went, not where it will go.

Open interestPRO

Where option traders are positioned on this stock.

Industry numbers

The numbers that matter most in this industry, from the company's own filings.

1 when an audit qualification is filed as repetitive

0.00flag

2026-03-31

the company's own unlisted debt securities in default at period end

0.00cr

2026-06-30

gross NPA %

3.31

the company's own loans / revolving facilities in default at period end (standalone filing)

0.00cr

2026-06-30

net NPA %

0.36

net interest margin %

6.48

guarantees / comfort given for promoter, promoter group, directors and KMP

0.00cr

2026-03-31

loans outstanding to promoter, promoter group, directors and KMP (governance filing)

0.00cr

2026-03-31

security given for the borrowing of promoter, promoter group, directors and KMP

0.00cr

2026-03-31

return on assets %

3.06

News

News and filings about Baid Finserv Limited. Open one to see why it matters.

Supply chain

Who it buys from, sells to and competes with — as recorded in our map of company links.

Competes with

Depends on the price of

  • Interest Rates

About

What the company is, from our own records: where it sits, where it makes things, and what it is made of.

Sector
Financial Services
Industry
Non Banking Financial Company (NBFC)
Classification
Financial Services › Non Banking Financial Company (NBFC)
ISIN
INE020D01022

News impact

Big market events that reach Baid Finserv Limited, and how the effect spreads.

No recent market events reach this company.

Dividends, splits & big trades

Money paid out, share splits and buybacks, and big buys or sells by funds and insiders.

Dividends

16 Sep 2026unspecified₹0.1
4 Sep 2025unspecified₹0.1
9 Jul 2024unspecified₹0.1
31 Aug 2023unspecified₹0.1

Splits, bonuses & buybacks

  • daily-prices repair: 7 rows from NSE's archive (replace 2, delete 0, insert 5), 2023-11-12..2026-02-01 (docs/flat_day_repair.md)1× · 12 Nov 2023
  • bse-history fill: 1612 BSE bars before cutoff, code 511724, seam residual 0.99921× · 20 Jan 2023
  • bse-history step 1/2: pre-listing action read from BSE's ruling (d1 0.000)0.5× · 20 Jun 2022
  • bse-history step 1/5: pre-listing action read from BSE's gap-open isin INE020D01014→INE020D01022@+0 (d1 0.045, vol x1.85)0.2× · 12 Apr 2022

Insider trades

DisclosedWhoTypeSharesValue ₹ Cr
27 Aug 2026ALPANA BAID · Promoter GroupBUY24,01,3663.63
27 Aug 2026ASMITA BAID · Promoter GroupBUY18,01,0252.72
27 Aug 2026DALIMA BAID · Promoter GroupBUY18,01,0252.72
27 Aug 2026ADITYA BAID · Promoter GroupBUY12,00,6831.81

Documents

Annual reports, results presentations and earnings calls, straight from the source.

Facts from company filings and exchange data. Not investment advice: nothing here tells you to buy or sell.