Want to see IN:BAIDFIN full AI Analyst Report?
Top Page
Baid Finserv Limited
(BAIDFIN)
Select Model
Select Model
Rating:66Neutral
Price Target:
₹13.00
▲(28.59% Upside)
Action:Reiterated
Date:09/09/26
The score is held back primarily by weak and volatile cash generation (including sharply negative operating/free cash flow in 2026) and moderate-to-elevated leverage, despite strong multi-year revenue growth and healthy accounting profitability. Offsetting these risks, technicals are constructive (price above key moving averages with positive MACD) and valuation looks favorable with a low P/E.
Positive Factors
Revenue Growth
Sustained revenue expansion indicates that Baid Finserv has continued growing its lending activity and customer base over multiple years. The 2026 increase, while slower than earlier periods, preserves scale momentum and supports continued earnings generation if growth remains disciplined.
Negative Factors
Weak Cash Generation
Material swings in operating cash flow and deeply negative free cash flow indicate that reported earnings are not consistently converting into cash. This can increase reliance on funding and make it harder to finance lending growth internally, particularly during periods of weaker collections or working-capital pressure.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained revenue expansion indicates that Baid Finserv has continued growing its lending activity and customer base over multiple years. The 2026 increase, while slower than earlier periods, preserves scale momentum and supports continued earnings generation if growth remains disciplined.
Read all positive factors
Baid Finserv Limited (BAIDFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.67B
Dividend Yield0.92%
Average Volume (3M)11.69K
Price to Earnings (P/E)11.1
Beta (1Y)0.56
Revenue Growth11.74%
EPS Growth-3.97%
CountryIN
Employees260
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)1.09
Shares Outstanding154,888,100
10 Day Avg. Volume18,506
30 Day Avg. Volume11,687
Financial Highlights & Ratios
PEG Ratio2.95
Price to Book (P/B)0.51
Price to Sales (P/S)1.19
P/FCF Ratio-1.72
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 functions as an Indian non-banking financial institution, offering a broad spectrum of services. The company provides diverse lending solutions, including financing for cars, commercial vehicles, and small to medium-sized ente...
How the Company Makes Money
Baid Finserv Limited primarily makes money through its lending business as an NBFC. Its core revenue typically comes from (1) interest income earned on loans and advances issued to customers (the spread between the interest it charges borrowers an...
Baid Finserv Limited Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
62
Positive
Cash Flow
33
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 962.28M | 991.88M | 809.02M | 627.88M | 533.28M | 469.89M |
| Gross Profit | 447.75M | 454.63M | 277.57M | 246.17M | 249.88M | 196.70M |
| EBITDA | 217.86M | 210.09M | 188.67M | 185.80M | 166.51M | 124.39M |
| Net Income | 153.03M | 149.75M | 134.46M | 129.24M | 103.79M | 87.87M |
Balance Sheet | ||||||
| Total Assets | 0.00 | 5.39B | 4.54B | 4.26B | 3.41B | 3.18B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 88.71M | 153.15M | 360.96M | 176.46M | 158.36M |
| Total Debt | 0.00 | 2.85B | 2.55B | 2.42B | 1.71B | 1.84B |
| Total Liabilities | -2.33B | 3.06B | 2.75B | 2.59B | 1.86B | 1.72B |
| Stockholders Equity | 2.33B | 2.33B | 1.79B | 1.67B | 1.55B | 1.46B |
Cash Flow | ||||||
| Free Cash Flow | 2.29M | -690.42M | 3.33M | -250.59M | 51.84M | 337.01M |
| Operating Cash Flow | 15.75M | -676.85M | 19.28M | -217.72M | 55.34M | 339.99M |
| Investing Cash Flow | -46.37M | -77.95M | -61.53M | -15.86M | 28.11M | -55.76M |
| Financing Cash Flow | 42.83M | 688.07M | -170.35M | 469.39M | -79.29M | -242.69M |
Baid Finserv Limited Technical Analysis
Positive
10.11
Price Trends
10.02
Positive
10.32
Positive
10.60
Positive
Market Momentum
0.09
Negative
67.88
Neutral
66.70
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BAIDFIN, the sentiment is Positive. The current price of 10.11 is above the 20-day moving average (MA) of 9.94, above the 50-day MA of 10.02, and below the 200-day MA of 10.60, indicating a bullish trend. The MACD of 0.09 indicates Negative momentum. The RSI at 67.88 is Neutral, neither overbought nor oversold. The STOCH value of 66.70 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:BAIDFIN.
Baid Finserv Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
66 Neutral | ₹1.67B | 11.06 | ― | 0.83% | 11.74% | -3.97% | |
63 Neutral | ₹1.21B | 0.71 | ― | 3.78% | 17.80% | 20694.21% | |
57 Neutral | ₹3.26B | 60.27 | ― | 0.26% | 117.76% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
52 Neutral | ₹1.58B | -2.69 | ― | ― | -46.49% | -200.76% | |
49 Neutral | ₹908.44M | -1.48 | ― | 0.35% | -50.16% | -325.01% | |
43 Neutral | ₹486.15M | -0.42 | ― | 0.03% | -64.11% | -49.89% |
* General Sector Average
IN:BAIDFIN
Baid Finserv Limited
12.07
0.99
8.94%
IN:CAPTRUST
Capital Trust Ltd. (India)
19.15
-9.20
-32.45%
IN:MAHAPEXLTD
Maha Rashtra Apex Corporation Limited
54.16
-1.31
-2.36%
IN:MOTOGENFIN
Motor & General Finance Ltd.
27.19
1.02
3.90%
IN:TRU
TruCap Finance Limited
4.09
-8.40
-67.25%
IN:VIJIFIN
Viji Finance Ltd.
16.69
13.35
399.70%
Baid Finserv Limited Corporate Events
Baid Finserv to Transfer Unclaimed 2018-19 Dividends and Shares to IEPF by 2026
Jul 9, 2026
Baid Finserv Limited has notified shareholders that final dividends declared for the financial year 2018-19, which remain unclaimed for seven consecutive years, along with the corresponding equity shares, will be transferred to the Investor Educat...
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.