Baid Finserv Limited (BAIDFIN) AI Stock Analysis

Baid Finserv Limited

(NSE:BAIDFIN)

Select Model

Rating:62.3Neutral

Price Target:INR 10.50▲(9.26% Upside)

Action:reiterated

Date:09/16/26

The overall score reflects a lender with solid revenue growth and profitability but only moderate returns on equity and materially volatile, recently negative cash flows, which are the main risk. Technicals are neutral to mildly soft, with price below moving averages but indicators suggesting stable, range-bound trading rather than strong upside or downside momentum. Valuation is moderately attractive, supporting the score but not enough to offset the cash flow and return-on-equity constraints.

Positive Factors

Revenue GrowthSustained revenue expansion indicates that Baid Finserv is enlarging its lending activity and customer reach over multiple periods. Continued top-line growth can support operating scale, strengthen earnings capacity, and provide a durable foundation for investment in the business.

Negative Factors

Cash-Flow VolatilityRepeatedly negative or highly volatile operating cash flow weakens the connection between reported profit and cash available to fund lending or other needs. This can increase reliance on external funding and make growth less durable when collections or working-capital movements become unfavorable.

Baid Finserv Limited (BAIDFIN) vs. iShares MSCI India ETF (INDA)

Market Cap: INR 1.57B
Dividend Yield: 1.03%
Average Volume (3M): 13.46K
Price to Earnings (P/E): 8.9
Beta (1Y): 0.53
Revenue Growth: 11.74%
EPS Growth: -3.97%
Country: India
Employees: 260
Sector: General
Sector Strength: 55
Industry: Financial - Credit Services

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 enterpr...

How the Company Makes Money

Baid Finserv Limited’s earnings are expected to come primarily from its lending business as an NBFC, where it deploys capital as loans/credit and generates income mainly through interest (the spread between interest earned on loans and its cost of fu...

Baid Finserv Limited Financial Statement Overview

Summary

Revenue and profit margins are solid and growing, and leverage is reasonable, but returns on equity are only moderate and cash flows are volatile with recent negative operating and free cash flow, which pulls the score down.

Income Statement

74Positive

Balance Sheet

68Positive

Cash Flow

42Neutral

Financial statement breakdown
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	5.39B	4.54B	4.26B	3.41B	3.18B
Cash, Cash Equivalents and Short-Term Investments	0	88.71M	153.15M	360.96M	176.46M	158.36M
Total Debt	0	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

Technical Analysis SentimentNegative

Last Price9.61

Price Trends

50DMA10.23Negative

100DMA10.08Negative

200DMA10.44Negative

Market Momentum

MACD-0.17Positive

RSI40.19Neutral

STOCH44.59Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BAIDFIN, the sentiment is Negative. The current price of 9.61 is below the 20-day moving average (MA) of 10.00, below the 50-day MA of 10.23, and below the 200-day MA of 10.44, indicating a bearish trend. The MACD of -0.17 indicates Positive momentum. The RSI at 40.19 is Neutral, neither overbought nor oversold. The STOCH value of 44.59 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:BAIDFIN.

Baid Finserv Limited Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

IN:BAIDFIN against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IN:MOTOGENFIN	65Neutral	INR 897.70M	0.62	―	―	17.80%	20694.21%
IN:BAIDFIN	62Neutral	INR 1.56B	8.86	―	1.03%	11.74%	-3.97%
IN:MAHAPEXLTD	58Neutral	INR 1.38B	-2.27	―	―	-46.49%	-200.76%
IN:VIJIFIN	58Neutral	INR 3.46B	42.57	―	―	186.18%	3104.55%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
IN:CAPTRUST	49Neutral	INR 957.18M	-1.56	―	―	-50.16%	-325.01%
IN:TRU	37Underperform	INR 473.06M	-0.50	―	―	-63.75%	23.83%

* General Sector Average

Performance Comparison

IN:BAIDFIN and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
IN:BAIDFIN	Baid Finserv Limited	9.61	-0.74	-7.14%
IN:CAPTRUST	Capital Trust Ltd. (India)	20.82	-6.73	-24.43%
IN:MAHAPEXLTD	Maha Rashtra Apex Corporation Limited	48.86	-3.30	-6.33%
IN:MOTOGENFIN	Motor & General Finance Ltd.	23.18	-2.96	-11.32%
IN:TRU	TruCap Finance Limited	3.95	-6.36	-61.69%
IN:VIJIFIN	Viji Finance Ltd.	14.98	12.07	414.78%

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 Education...

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.

Date of analysis: Sep 16, 2026

Baid Finserv Limited AI Stock Analysis