Baid Finserv Limited
Fundamental Score
Baid Finserv Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of BAIDFIN across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (60.97%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Attractive Valuation (P/E: 9.01 vs Industry: 22.03)
Observation: Trading at discount to industry peers.
Analysis: P/E below industry average may present value opportunity if fundamentals support the business case.
Robust Profit Growth (132.14%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Revenue Growth (21.32%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Strong Cash Generation (₹64.23 Cr over 5Y)
Observation: Healthy free cash flow generation supports growth and returns.
Analysis: Strong FCF provides flexibility for dividends, debt reduction, and growth investments.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
5 factors identified
Below-Average Return on Equity (7.75%)
Observation: Returns on equity are below industry benchmarks.
Analysis: ROE <10% may indicate inefficient capital utilization. Consider monitoring for operational improvements and management effectiveness.
Elevated Debt Levels (D/E: 1.43)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.75x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Limited Institutional Interest (FII+DII: 0.26%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
Small Market Cap
Observation: Higher investment risk due to limited size.
Analysis: Small-cap stocks typically carry higher volatility and liquidity risks.
Financial Statements
Comprehensive financial data for Baid Finserv Limited
About BAIDFIN
Business Overview
Baid Finserv Limited operates as a non-banking finance company in India. The company provides car loans, commercial vehicle loans, tractors, small and medium enterprise loans, loan against property, construction equipment loans, and other asset backed loans. It also offers life, dwelling, and motor insurance products. Baid Finserv Limited was formerly known as Baid Leasing and Finance Co. Ltd. and changed its name to Baid Finserv Limited in July 2022. The company was incorporated in 1991 and is based in Jaipur, India.
Company Details
Key Leadership
Corporate Events
BAIDFIN Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Baid Finserv Limited (BAIDFIN)?
As of 30 Jan 2026, 01:40 pm IST, Baid Finserv Limited (BAIDFIN) is currently trading at ₹11.29. The stock has a market capitalization of ₹152.64 (Cr).
Is BAIDFIN share price Overvalued or Undervalued?
BAIDFIN is currently trading at a P/E ratio of 9.01x, compared to the industry average of 22.03x. Based on this relative valuation, the stock appears to be Undervalued against its sector peers.
What factors affect the Baid Finserv Limited share price?
Key factors influencing BAIDFIN's price include its quarterly earnings growth (Sales Growth: 21.32%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Baid Finserv Limited a good stock for long-term investment?
Baid Finserv Limited shows a 5-year Profit Growth of 12.19% and an ROE of 7.75%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 1.43 before investing.
How does Baid Finserv Limited compare with its industry peers?
Baid Finserv Limited competes with major peers in the Non Banking Financial Company (NBFC). Investors should compare BAIDFIN's P/E of 9.01x and ROE of 7.75% against the industry averages to determine its competitive standing.
What is the P/E ratio of BAIDFIN and what does it mean?
BAIDFIN has a P/E ratio of 9.01x compared to the industry average of 22.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹9 for every ₹1 of annual earnings.
How is BAIDFIN performing according to Bull Run's analysis?
BAIDFIN has a Bull Run fundamental score of 45.7/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does BAIDFIN belong to?
BAIDFIN operates in the Non Banking Financial Company (NBFC) industry. This classification helps understand the competitive landscape and sector-specific trends affecting Baid Finserv Limited.
What is Return on Equity (ROE) and why is it important for BAIDFIN?
BAIDFIN has an ROE of 7.75%, which suggests challenges in generating returns from shareholders' equity. Return on Equity measures how efficiently Baid Finserv Limited generates profits from shareholders' equity.
How is BAIDFIN's debt-to-equity ratio and what does it indicate?
BAIDFIN has a debt-to-equity ratio of 1.43, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is BAIDFIN's dividend yield and is it a good dividend stock?
BAIDFIN offers a dividend yield of 0.98%, which means you receive ₹0.98 annual dividend for every ₹100 invested.
How has BAIDFIN grown over the past 5 years?
BAIDFIN has achieved 5-year growth rates of: Sales Growth 5.65%, Profit Growth 12.19%, and EPS Growth 12.17%.
What is the promoter holding in BAIDFIN and why does it matter?
Promoters hold 36.25% of BAIDFIN shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is BAIDFIN's market capitalization category?
BAIDFIN has a market capitalization of ₹153 crores, placing it in the Small-cap category.
How volatile is BAIDFIN stock?
BAIDFIN has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for BAIDFIN?
BAIDFIN has a 52-week high of ₹N/A and low of ₹N/A.
What is BAIDFIN's operating profit margin trend?
BAIDFIN has a 5-year average Operating Profit Margin (OPM) of 60.97%, indicating the company's operational efficiency.
How is BAIDFIN's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 21.32% and YoY Profit Growth of 132.14%.
What is the institutional holding pattern in BAIDFIN?
BAIDFIN has FII holding of 0.26% and DII holding of 0.00%. Significant institutional holding often suggests professional confidence in the stock.