Baid Finserv Ltd - Stock Valuation and Financial Performance

BSE: 511724 | NSE: BAIDFIN | Finance - NBFC | Small Cap

Baid Finserv Share Price

12.13 0.75 6.59%
as on 12-Feb'25 16:59

DeciZen - make an informed investing decision on Baid Finserv

Overall Rating
M-Cap below 500cr. High Risk from low Liquidity Bole Toh

1. Quality

2. Valuation

Somewhat Undervalued

3. Price Trend

Baid Finserv stock performance -

P/E Ratio (SA):
13.37
Market Cap:
145.6 Cr.
52-wk low:
11.2
52-wk high:
29.4

Is Baid Finserv Ltd an attractive stock to invest in?

1. Is Baid Finserv Ltd a good quality company?

Past 10 year's financial track record analysis by Moneyworks4me indicates that Baid Finserv Ltd is a average quality company.

2. Is Baid Finserv Ltd undervalued or overvalued?

The key valuation ratios of Baid Finserv Ltd's currently when compared to its past seem to suggest it is in the Somewhat Undervalued zone.

3. Is Baid Finserv Ltd a good buy now?

The Price Trend analysis by MoneyWorks4Me indicates it is Weak which suggest that the price of Baid Finserv Ltd is likely to Fall in the short term. However, please check the rating on Quality and Valuation before investing.

10 Year X-Ray of Baid Finserv:

Analysis of Financial Track Record

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end

Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.

Financial track record gives insight into the company's performance on key parameters over the past ten years. MoneyWorks4me’s proprietary colour codes make it easy for retail investors to gauge the company’s past performance.
Baid Finserv Ltd has performed well in some of the past ten years indicating its past ten year financial track record is somewhat good
Mar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Operating Income (₹ Cr.)
8.518.228.540.95862.653.549.954.965.965
YoY Gr. Rt. %
-115.5%56.5%43.3%41.9%8%-14.6%-6.6%9.8%20.2%-
Adj EPS (₹ )
0.20.50.40.610.60.60.70.91.10.9
YoY Gr. Rt. %
-125%-13.3%43.6%71.4%-34.4%-1.6%17.7%17.8%25.6%-
BVPS (₹ )
2.32.73.644.910.811.512.212.913.914.6
YoY Gr. Rt. %
-19.7%31.9%11.4%21.2%122.8%5.8%6%6.3%7.6%-
To view Net Profit/Total Funds (%) Colour Rating Guide click here
Net Profit/Total Funds (%)
2.33.232.63.22.32.32.83.23.40

CAGR

CAGR Colour Code Guide

9 Years 5 Years 3 Years 1 Years
Net Interest Income25.6%2.6%7.2%20.2%
Adj EPS20.6%2.4%20.3%25.6%
BVPS22.2%23.4%6.6%7.6%
Share Price 15.8% 15.7% -2.7% -56.3%

Key Financial Ratios

RATIOS \ YEARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24TTM
Asset Quality Ratio To view Asset Quality Ratio Colour Rating Guide click here
Net NPA to Net Advances (%)
0000000000-
Capitalization Ratio To view Capitalization Ratio Colour Rating Guide click here
Capital Adequacy Ratio (%)
0000000000-
Margins
Net Profit Margin (%)
14.215.113.913.916.812.21417.618.919.616.7
Performance Ratios To view Performance Ratios Colour Rating Guide click here
Return on Equity (%)
8.917.914.914.821.78.55.66.26.986.2

Recent Performance Summary

Total Income has increased 7.23 CAGR in last 3 years

Net Profit has increased 20.32 CAGR in last 3 years

Return on Equity has declined versus last 3 years average to 6.50%

Total income growth is poor in last 4 quarters

Latest Financials - Baid Finserv Ltd.

Standalone Consolidated
TTM EPS (₹) 0.9 -
TTM Sales (₹ Cr.) 65.5 -
BVPS (₹.) 14.6 -
Reserves (₹ Cr.) 151 -
P/BV 0.83 -
PE 13.37 -
From the Market
52 Week Low / High (₹) 11.20 / 29.43
All Time Low / High (₹) 0.16 / 48.51
Market Cap (₹ Cr.) 146
Equity (₹ Cr.) 24
Face Value (₹) 2
Industry PE 27.1

Quarterly Results

 Dec'23 YoY Gr. Rt. %Mar'24 YoY Gr. Rt. %Jun'24 YoY Gr. Rt. %Sep'24 YoY Gr. Rt. %
Operating Income22.9 43.920.1 25.261.6 196.924.3 -49.1
Adj EPS (₹)2.69 8.51.57 -54.816.12 452.16.12 -41.3
Net Profit Mgn %19.43 -1915 bps18.20 -3336 bps69.75 3628 bps63.14 625 bps

Management X-Ray of Baid Finserv:

Shareholding Pattern

JavaScript chart by amCharts 3.21.5
JavaScript chart by amCharts 3.21.5Promoters:36.25%Institutions:0.01%Non-Institutions:63.74%

Promoter's Holding & Share Pledging

JavaScript chart by amCharts 3.21.5Sep22Dec22Mar23Jun23Sep23Dec23Mar24Jun24Sep24Dec240%10%20%30%40%
Pledged *0.000.000.000.000.000.000.000.000.000.00
* Pledged shares as % of Promoter's holding (%)

Valuation of Baid Finserv

MRP
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MOS
spaceLock icon%
DP
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Base BVPS
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DPS
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MRP: ₹ 0
DP: ₹0
Base BVPS ₹:
DPS ₹:
MOS (%):
Save my Valuation
Expected BVPS Growth Rate:
0%
Base 0%
30%
Expected Rate of Return:
0%
Base 0%
30%
Future PBV:
0
Base 0
40
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max
YTD 1Y 3Y 5Y 10Y Max

Event Update

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Analyst's Notes

No data found!

Key Ratios of Baid Finserv

Adj EPS (Rs.)

Total Income (Cr.)

ROE (%)

BVPS (Rs.)

Company Name CMP(₹)
Change ₹(%)
Market Cap
Net Sales (₹ Cr.)
Latest EPS (₹)
Net Profit Margin %
Latest P/E
Latest P/BV
Piramal Enterprises 978.3 19.6 (2%) Small Cap 10,020 23.1 -16.8 42.4 0.8
Edelweiss Financial 105.4 -3.8 (-3.5%) Small Cap 9,500 4.9 5.6 21.6 1.9
Manappuram Finance 191.7 -5.7 (-2.9%) Small Cap 8,848 26.7 24.8 7.2 1.3
CreditAccess Grameen 998.1 2.8 (0.3%) Small Cap 5,167 55.2 28 18.1 2.3
Spandana Sphoorty 313.9 -12.7 (-3.9%) Small Cap 2,424 -66.2 20.7 - 0.7
Fusion Finance 172.5 0.9 (0.5%) Small Cap 2,317 -8.1 21.8 - 0.7
Muthoot Microfin 147.5 -3.7 (-2.5%) Small Cap 2,270 17.5 19.8 8.4 0.8
Five Star Business 698.8 -1.8 (-0.3%) Small Cap 2,183 35 38.3 20 3.4
Northern ARC Capital 182 -2.3 (-1.2%) Small Cap 1,829 17.4 15.3 10.5 0.9
Fedbank Financial 91.8 -1 (-1.1%) Small Cap 1,577 5.9 15.5 15.5 1.4
Shows rows:

Profit And Loss

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Income9182941586354505666
Interest Income8182841586353505566
Other Income 0000001010
Expenditure 7142333465244384248
Interest Expense 361118283124201823
Operating Expenses 381112161716141823
Provisions 0013244562
Exceptional Items 0000000000
Profit Before Tax 2468131010121418
Taxes 1123333345
Profit After Tax 1346108791013
Adjusted EPS (₹)0.20.50.40.61.00.60.60.70.91.1
Dividend Payout Ratio (%)0%0%25%18%10%0%8%7%12%9%

Balance Sheet

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Equity and Liabilities

Equity Capital1417364049130138146155167
Share Capital 661010101212122424
Reserves 811263039118126134131143
Minority Interest0000000000
Long Term Borrowings41027111227149120135164234
Current Liabilities 477996119586159372225
Trade Payables0122122212
Short term borrowings234260474239442578
Other Liabilities-23-43-62-49-43-42-46-26-8-10
Total Liabilities 64106159271333341316318341426

Assets

Non Current Asset 59108154214207188191227262
Loan Asset 0000000000
Other Non Current Asset 59108154214207188191227262
Current Asset 609651116120133129127114164
Current Investment0000000000
Other Current Asset609651116120133129127114164
Total Assets 64106159271333341316318341426

Cash Flow

(All Figures are in Crores.)
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24
Cash Flow From Operating Activity -10-18-37-45-444050346-22
Cash Flow From Investing Activity -2-2-2-5-2-20-63-2
Cash Flow From Financing Activity 1219405145-38-49-24-847
Net Cash Flow 00020-124024
PARTICULARSMar'15Mar'16Mar'17Mar'18Mar'19Mar'20Mar'21Mar'22Mar'23Mar'24

Operational & Financial Ratios

EPS (₹)24461066711
DPS (₹)0011101100
BVPS (₹)23273640491081151211314

Performance Ratios

ROA (%)2.33.23.02.63.22.32.32.83.23.4
ROE (%)8.917.914.914.821.78.55.66.26.98.0
ROCE (%)12.214.615.214.014.713.011.110.510.011.2

Valuation Parameters

Price/Book(x)0.91.51.94.11.50.70.21.42.71.4

Baid Finserv Ltd Stock News

Baid Finserv Ltd FAQs

Company share prices are keep on changing according to the market conditions. The closing price of Baid Finserv on 12-Feb-2025 16:59 is ₹12.13.
Market capitalization or market cap is determined by multiplying the current market price of a company's shares with the total number of shares outstanding. As of 12-Feb-2025 16:59 the market cap of Baid Finserv stood at ₹145.6.
The latest P/E ratio of Baid Finserv as of 12-Feb-2025 16:59 is 13.37.
The latest P/B ratio of Baid Finserv as of 12-Feb-2025 16:59 is 0.83.
The 52-week high of Baid Finserv is ₹29.43 and the 52-week low is ₹11.20.
The TTM revenue is Trailing Twelve Months sales. The TTM revenue/sales of Baid Finserv is ₹65.49 ( Cr.) .

About Baid Finserv Ltd

Baid Leasing and Finance Company was incorporated as a public limited company on December 20, 1991, under the Companies Act, 1956. The company received certificate of commencement of business on December 1, 1992 from Registrar of Companies at Jaipur. It was promoted by Pannalal Baid, Rakesh Kumar Baid and Sunil Jain.

The registered office of the company is situated at BAID House, 1 Taranagar, Ajmer Road Jaipur, Rajasthan- 302006.

Business area of the company

The company is engaged in the business of leasing and hire purchase, auto finance business etc.

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