Baid Finserv
NSE: BAIDFINBSE: 511724
₹ 9.71▼ 0.15 (−1.52%)28 Oct, 03:29 pm IST
- Market cap
- ₹ 144 Cr.
- P/E
- 10.4x
- P/B
- 0.64x
- 52-week range
- 8.8 – 12.98
- ROE
- 7%
- Dividend yield
- 1%
- Debt / equity
- 1.23
- Sector
- Finance
- Industry
- Non Banking Financial Company (NBFC)
- Listed on
- NSE, BSE
About
Baid Finserv Limited is an India-based non-deposit taking non-banking financial company (NBFC) (Base Layer) that specializes in providing secured micro, small, and medium enterprises (MSME) loans, vehicle loans, and insurance products. The Company services include car loan, MSME loan, commercial vehicle loan, loan against property and insurance. It offers funding for most types of commercial vehicles including buses, trucks, tankers, trailers, light commercial vehicle and small commercial vehicles through its commercial vehicle loan. Its insurance service includes life insurance, dwelling insurance and motor insurance. The Company provides the facility of balance transfer and top up loans. For customers taking a loan against property, the Company also offers dwelling insurance which covers the damage to the property by natural hazards. It offers customized loan against property to salaried and self-employed individuals.
Quick check
The five things to look at first. Open one for more.
Compared with its industry
Non Banking Financial Company (NBFC): 288 companies →Baid Finserv against the typical company in its industry. The rank is out of the companies that report each figure; green means the better quarter of the pack, red the worse quarter.
- Valuation (P/E)10.4 against a typical 22.5: cheaper than most peers (1st = cheapest).75th of 284
- Sales growth−9% against a typical +18.3% from a year earlier.194th of 259
- Profit growth+8% against a typical +20.2% from a year earlier.124th of 214
- Share price, 3 months−1.9% against a typical −4.2%.115th of 258
- Size₹ 144.1 Cr. market value against a typical ₹ 43 Cr. (1st = largest).81st of 269
Credit ratings
Every rating action on file, newest first, including reaffirmations. Open a row for the agency's reasoning. All credit rating updates
Moderate safety, with caution
Rated BBB by CAREBBB
DefaultRiskyModerateSafeVery safe
- No warnings from the agency.
| Agency | Current rating | Outlook | As of |
|---|---|---|---|
| CARE | CARE BBB / CARE A3 | Stable | 9 Oct 2026 |
| Rating | Details | |||||
|---|---|---|---|---|---|---|
| 9 Oct 2026 | ▼ Outlook cut | CARE BBB / CARE A3 Outlook Positive → Stable | Low | CARE | ₹ 305 Cr. | |
| 9 Oct 2025 | Reaffirmed | CARE BBB / CARE A3 | — | CARE | ₹ 305 Cr. |
Board meetings
Results dates and other board meetings. Full calendar
| Details | ||
|---|---|---|
| 3 Nov 2026Upcoming | Financial Results | To consider and approve the Un- Audited financial results for the period ended September 30, 2026 |
| 26 Aug 2026 | Other business matters | We hereby intimate that a meeting of the Board of Directors of the Company will be held on Wednesday, August 26, 2026 at 11:00 A.M. at the registered office of the Company inter alia to consider and approve the allotment of 72,04,099 (Seventy Two Lakh Four Thousand Ninety Nine) Equity Shares of the Company of face value of Rs. 2/- each, at a premium of Rs. 13.10/- (Rupees Thirteen and Ten Paise Only) per share, pursuant to the exercise and conversion of 72,04,099 (Seventy Two Lakh Four Thousand Ninety Nine) convertible warrants against receipt of the balance subscription amount of Rs. 11.325/- per warrant (i.e. 75% of the issue price). |
| 13 Aug 2026 | Financial Results/Dividend | Pursuant to Regulation 29 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby intimate that a meeting of the Board of Directors of the Company will be held on Thursday, August 13, 2026 at the registered office of the Company situated at Baid House , IInd Floor, 1, Tara Nagar, Ajmer Road, Jaipur-302006 (Rajasthan) inter alia:-1. To consider and approve the Un-Audited Financial Results of the Company for the Quarter ended on June 30, 2026 pursuant to Regulation 33 of the Listing Regulations and to take on record the Limited Review Report thereon.2. Recommendation of Final Dividend on the equity shares of the Company for the Financial Year 2025-2026, subject to approval of the shareholders in the ensuing Annual General Meeting.3. To consider and approve alteration of the Object Clause of the Memorandum of Association of the Company, subject to approval of the shareholders. |
| 15 May 2026 | Financial Results | To consider and approve the Audited Financial Results of the Company for the Quarter and Year ended on March 31, 2026 together with the Statement of Assets and Liabilities as on that date and Statement of Cash Flows for the Financial Year ended on March 31, 2026 and to take on record Auditor s report thereon. |
| 12 Mar 2026 | Other business matters | Pursuant to Regulation 29 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby intimate that a meeting of the Board of Directors of the Company will be held on Thursday, March 12, 2026 at 12:00 P.M. at the registered office of theCompany situated at Baid House , IInd Floor, 1, Tara Nagar, Ajmer Road, Jaipur- 302006 (Rajasthan) inter alia to consider and approve the allotment of 48,02,732 (Forty Eight Lakh Two Thousand Seven Hundred Thirty Two) Equity Shares of the Company of face value of Rs. 2/- each, at a premium of Rs. 13.10/- (Rupees Thirteen and Ten Paise Only) per share, pursuant to the exercise and conversion of 48,02,732 (Forty Eight Lakh Two Thousand Seven Hundred Thirty Two) convertible warrants againstreceipt of the balance subscription amount of Rs. 11.325/- per warrant (i.e. 75% of the issue price). |
| 10 Feb 2026 | Financial Results | To to consider and approve the Un-Audited Financial Results of the Company for the Quarter and Nine Months ended on December 31, 2025 |
| 13 Nov 2025 | Financial Results | Pursuant to Regulation 29 of Securities and Exchange Board of India (Listing Obligations and Disclosure Requirements) Regulations, 2015, we hereby intimate that a meeting of the Board of Directors of the Company will be held on Thursday, November 13, 2025, at 04:00 P.M. at the registered office of the Company situated at Baid House , IInd Floor, 1, Tara Nagar, Ajmer Road, Jaipur- 302006 (Rajasthan) inter alia to consider and approve the Un-audited Financial Results of the Company for the Quarter and Half-Year ended on September 30, 2025 together with the Statement of Assets and Liabilities as on that date and Statement of Cash Flows for the Half Year ended on September 30, 2025 pursuant to Regulation 33 of the Listing Regulations and to take on record the Limited Review Report thereon. |
Financials
Standalone figures in ₹ crore.
| ₹ Cr. | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 15 | 18 | 15 | 19 | 20 | 21 | 22 | 24 | 24 | 25 | 25 | 22 |
| Interest | 6 | 6 | 7 | 7 | 8 | 7 | 7 | 8 | 8 | 8 | 8 | 8 |
| Expenses | 6 | 5 | 6 | 8 | 9 | 8 | 10 | 10 | 10 | 11 | 15 | 8 |
| Financing Profit | 3 | 7 | 2 | 4 | 3 | 6 | 5 | 5 | 6 | 6 | 2 | 6 |
| Financing Margin % | 22% | 38% | 14.6% | 19.9% | 14.5% | 30.4% | 23.6% | 23% | 25.8% | 22.8% | 7.4% | 26% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 0 |
| Depreciation | 0 | 2 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit before tax | 3 | 5 | 2 | 4 | 3 | 6 | 5 | 5 | 6 | 6 | 2 | 6 |
| Tax % | 25.2% | 28.7% | 46.6% | 24.6% | 25.3% | 25.2% | 27.9% | 25.1% | 25.2% | 26.5% | 23.5% | 25.1% |
| Net Profit | 3 | 4 | 1 | 3 | 2 | 5 | 4 | 4 | 5 | 5 | 2 | 4 |
| EPS in Rs | 0.17 | 0.24 | 0.07 | 0.21 | 0.13 | 0.32 | 0.24 | 0.27 | 0.3 | 0.32 | 0.11 | 0.28 |
Growth and returns
Compounded yearly rates over each period.
Compounded Sales Growth
- 10 Years
- 18%
- 5 Years
- 13%
- 3 Years
- 20%
- TTM
- 9%
Compounded Profit Growth
- 10 Years
- 19%
- 5 Years
- 15%
- 3 Years
- 13%
- TTM
- 7%
Stock Price CAGR
- 10 Years
- 8%
- 5 Years
- 18%
- 3 Years
- −36%
- TTM
- —
Return on Equity
- 10 Years
- 8%
- 5 Years
- 7%
- 3 Years
- 8%
- TTM
- —
P/E and EPS over time
Daily P/E and trailing 12-month EPS. EPS updates with each result.
P/E 10.4xEPS (12 months) ₹ 1.01Median P/E 19.4x
P/E (times)EPS (₹)
Peers
Listed companies in the same business.
| Baid Finserv | ₹ 9.71 | ₹ 144 Cr. | 10.4x | 0.6x | 7% | — |
| Bajaj Finance | ₹ 927.00 | ₹ 5,77,146 Cr. | 25x | 5.8x | 18.1% | 23.7% |
| Shriram Finance | ₹ 867.00 | ₹ 2,04,004 Cr. | 13.9x | 3x | 16.4% | 20.9% |
| Jio Financial Services | ₹ 205.00 | ₹ 1,35,364 Cr. | 95.5x | 1.2x | — | 49.8% |
| Tata Capital | ₹ 307.05 | ₹ 1,30,358 Cr. | 20.5x | 3.3x | 12.3% | 16% |
| Power Finance Corporation | ₹ 316.00 | ₹ 1,04,283 Cr. | 5.4x | 1x | 20.7% | 29.1% |
Management
- Panna Lal Baid
- Chairman of the Board, Managing Director
- Aditya Baid
- Chief Financial Officer, Executive Director
- Surbhi Rawat
- Compliance Officer, Company Secretary
- Aman Baid
- Whole Time Director
Prices are delayed and for information only. Nothing on this page is investment advice.