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Baid Finserv Limited
(BAIDFIN)
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Rating:58Neutral
Price Target:
₹10.00
▼(-1.09% Downside)
Action:Reiterated
Date:08/19/26
The score is held back primarily by weak and inconsistent cash generation (negative operating/free cash flow recently) and moderate-to-elevated leverage, despite solid revenue growth and profitability. Technicals also lean soft with the stock trading below major moving averages. Offsetting these risks, the stock screens inexpensive on P/E and offers a small dividend yield.
Positive Factors
Sustained Revenue Growth
Baid Finserv has expanded its revenue base over several years, indicating continued lending activity and customer reach. Sustained top-line growth can support operating leverage and provide a foundation for future earnings, despite some recent moderation.
Negative Factors
Unstable Cash Generation
Repeatedly negative or volatile operating cash flow weakens earnings quality and may reflect difficult collections or working-capital requirements. Continued cash shortfalls could increase reliance on external funding and constrain the company’s ability to grow lending sustainably.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Baid Finserv has expanded its revenue base over several years, indicating continued lending activity and customer reach. Sustained top-line growth can support operating leverage and provide a foundation for future earnings, despite some recent moderation.
Read all positive factors
Baid Finserv Limited (BAIDFIN) vs. iShares MSCI India ETF (INDA)
Market Cap
₹1.57B
Dividend Yield0.97%
Average Volume (3M)11.69K
Price to Earnings (P/E)9.4
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
10.00
Positive
10.33
Negative
10.60
Negative
Market Momentum
0.03
Negative
55.06
Neutral
62.00
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 9.90, above the 50-day MA of 10.00, and below the 200-day MA of 10.60, indicating a neutral trend. The MACD of 0.03 indicates Negative momentum. The RSI at 55.06 is Neutral, neither overbought nor oversold. The STOCH value of 62.00 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 |
|---|---|---|---|---|---|---|---|
65 Neutral | ₹1.11B | 0.75 | ― | 3.78% | 17.80% | 20694.21% | |
58 Neutral | ₹1.57B | 9.36 | ― | 0.97% | 11.74% | -3.97% | |
57 Neutral | ₹3.20B | 60.27 | ― | 0.26% | 117.76% | ― | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
52 Neutral | ₹1.51B | -2.58 | ― | ― | -46.49% | -200.76% | |
49 Neutral | ₹955.80M | -1.54 | ― | 0.35% | -50.16% | -325.01% | |
43 Neutral | ₹480.20M | -0.42 | ― | 0.03% | -64.11% | -49.89% |
* General Sector Average
IN:BAIDFIN
Baid Finserv Limited
10.12
-1.06
-9.48%
IN:CAPTRUST
Capital Trust Ltd. (India)
20.79
-7.93
-27.61%
IN:MAHAPEXLTD
Maha Rashtra Apex Corporation Limited
53.55
0.16
0.29%
IN:MOTOGENFIN
Motor & General Finance Ltd.
28.71
1.93
7.21%
IN:TRU
TruCap Finance Limited
4.04
-8.87
-68.71%
IN:VIJIFIN
Viji Finance Ltd.
16.70
13.30
391.18%
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...
Baid Finserv reports no physical share transfer re-lodgement requests in May
Jun 6, 2026
Baid Finserv Limited has reported to the stock exchanges on the operation of a SEBI-mandated special window for re-lodgement of transfer requests for physical shares for May 2026. The company disclosed, based on a confirmation from its registrar M...
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.