Baid Finserv Limited

BAIDFIN.BO

BAIDFIN.BOBaid Finserv Limited IN flag

Bombay Stock Exchange

9.33

INR

-0.45

(-4.60%)

0.92EPS

10.14P/E

1.12BMarket Cap

Mar 31Next Earn

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ISIN

INE020D01022

Return %

Stock

S&P500

-53.51

10.92

-43.45

26.22

39.05

120.31

Use logarithmic scale

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	TTM
Revenue per Share	1.51	3.22	1.19	1.36	2.97	2.92	4	4.64	4.99	4.1	3.91	5	5.23	5.84
Basic EPS, GAAP	0.1	0.16	0.16	0.19	0.45	0.41	0.56	0.81	0.63	0.62	0.73	0.97	1.08	0.81
Free Cash Flow per Basic Share	-0.9	0.05	0.43	-1.77	-2.96	-3.82	-4.54	-3.69	3.33	4.18	2.81	0.49	-2.09	- -
Dividend per Share	- -	- -	- -	- -	- -	0.06	0.12	0.05	0.1	- -	0.05	0.11	0.1	- -
Book Value per Share	1.57	1.7	1.81	1.96	2.3	2.11	2.61	2.58	3.1	3.6	4.13	6.45	6.48	1.99
Tangible Book Value per Share	1.76	1.92	2.08	2.27	2.72	3.71	4.25	4.08	10.82	11.45	12.14	14.53	13.88	14.11
Basic Weighted Avg Shares	61	61	62	62	61	98	101	120	120	120	120	107	120	121
Sales/Revenue/Turnover	93	198	73	83	183	285	404	557	599	493	470	533	628	706
Operating Margin (%)	30.74	17.48	54.8	19.25	22.82	20.02	20.63	18.32	17.67	16.69	25.63	30.61	24.41	15.96
Depreciation Expense	- -	1	1	2	2	2	3	4	4	3	3	3	5	6
Net Income, GAAP	6	10	10	12	27	40	57	97	76	75	88	104	129	98
Effective Tax Rate (%)	31.68	22.17	34.09	33.73	31.58	30.63	31.4	23.61	26.57	27.31	27.69	25.81	28.59	29.47
Profit Margin (%)	6.95	5.05	13.82	14.37	15.06	13.91	14.04	17.43	12.71	15.18	18.7	19.46	20.58	13.92
Working Capital	165	203	183	129	-221	-448	2,385	3,040	3,256	3,015	3,007	3,200	4,028	3,972
LT Debt	154	134	92	37	97	262	1,947	2,692	1,886	1,639	1,598	1,707	2,419	2,420
Total Equity	108	118	128	140	168	363	429	491	1,300	1,376	1,458	1,550	1,668	1,706
Return on Invested Capital (%)	7.14	8.47	7.97	2.53	4.33	3.58	2.71	2.41	2.14	1.69	2.55	3.65	2.95	2.04
Return on Capital (%)	7.47	3.28	8.08	8.25	4.34	3.95	2.93	3.21	2.5	2.9	3.62	4.39	4.62	4.07
Return on Common Equity (%)	6.88	9.99	9.42	10.33	20.95	22.83	24.15	33.86	22.32	18.62	18.94	17.55	17.64	40.92

Capital Structure

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in mil. unless spec.

Working Capital

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in mil. unless spec.

Growth Rates

FRC

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in mil. unless spec.

(avg. rate of change)	10 years	5 years	1 year
Sales/Revenue/Turnover	28.44%	3.27%	17.74%
Net Income, GAAP	34.25%	7.35%	24.52%
Free Cash Flow	-118.89%	-173.12%	-583.39%
Total Cash Common Dividend	- -	- -	- -
Total Equity	36.88%	38.12%	7.6%

Growth Rates

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in mil. unless spec.

Quarterly Revenue

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in mil. unless spec.

Quarterly Earnings Per Share

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in mil. unless spec.

Quarterly Dividends Per Share

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in mil. unless spec.

Company Description

CEO: Mr. Panna Lal Baid
Full Time Employees: 225
Sector: Financial Services
Industry: Financial - Credit Services
Address: Baid House Jaipur India 302006
Website: baidfinserv.com
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Business: Baid Finserv Limited operates as a non-banking finance company in India. The company provides car loans, commercial vehicle loans, small and medium enterprise loans, loan against property, and other asset backed loans. It also offers life, dwelling, and motor insurance products. The company was formerly known as Baid Leasing and Finance Co. Ltd. and changed its name to Baid Finserv Limited in July 2022. Baid Finserv Limited was incorporated in 1991 and is based in Jaipur, India.

	Mar'24	Jun'25	Sep'25
ST Debt	- -	- -	- -
LT Borrowings	2,419	- -	2,420
LT Finance Leases	- -	- -	- -
Preferred Equity and Hybrid Capital	- -	- -	- -
Shares Outstanding	120	- -	120
Market Capitalization	2,285	2,221	1,794

	Mar'24	Jun'25	Sep'25
Total Current Assets	4,151	- -	4,054
Accounts Receivable, Net	34	- -	- -
Cash, Cash Equivalents & STI	361	- -	261
Inventories	4	- -	11
Total Current Liabilities	123	- -	82
Payables & Accruals	- -	- -	- -
ST Debt	- -	- -	- -
Deferred Revenue	- -	- -	- -

Year	Q1	Q2	Q3	Q4	FY
2023	128	134	134	137	533
2024	162	145	175	146	628
2025	189	196	- -	- -	- -

Year	Q1	Q2	Q3	Q4	FY
2023	- -	- -	- -	- -	0.11
2024	- -	- -	- -	- -	0.1
2025	- -	- -	- -	- -	- -

Year	Q1	Q2	Q3	Q4	FY
2023	0.2	0.27	0.27	- -	0.97
2024	0.47	0.21	0.3	- -	1.08
2025	0.26	0.16	- -	- -	- -

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	TTM
Revenue per Share	1.51	3.22	1.19	1.36	2.97	2.92	4	4.64	4.99	4.1	3.91	5	5.23	5.84
Basic EPS, GAAP	0.1	0.16	0.16	0.19	0.45	0.41	0.56	0.81	0.63	0.62	0.73	0.97	1.08	0.81
Free Cash Flow per Basic Share	-0.9	0.05	0.43	-1.77	-2.96	-3.82	-4.54	-3.69	3.33	4.18	2.81	0.49	-2.09	- -
Dividend per Share	- -	- -	- -	- -	- -	0.06	0.12	0.05	0.1	- -	0.05	0.11	0.1	- -
Book Value per Share	1.57	1.7	1.81	1.96	2.3	2.11	2.61	2.58	3.1	3.6	4.13	6.45	6.48	1.99
Tangible Book Value per Share	1.76	1.92	2.08	2.27	2.72	3.71	4.25	4.08	10.82	11.45	12.14	14.53	13.88	14.11
Basic Weighted Avg Shares	61	61	62	62	61	98	101	120	120	120	120	107	120	121
Sales/Revenue/Turnover	93	198	73	83	183	285	404	557	599	493	470	533	628	706
Operating Margin (%)	30.74	17.48	54.8	19.25	22.82	20.02	20.63	18.32	17.67	16.69	25.63	30.61	24.41	15.96
Depreciation Expense	- -	1	1	2	2	2	3	4	4	3	3	3	5	6
Net Income, GAAP	6	10	10	12	27	40	57	97	76	75	88	104	129	98
Effective Tax Rate (%)	31.68	22.17	34.09	33.73	31.58	30.63	31.4	23.61	26.57	27.31	27.69	25.81	28.59	29.47
Profit Margin (%)	6.95	5.05	13.82	14.37	15.06	13.91	14.04	17.43	12.71	15.18	18.7	19.46	20.58	13.92
Working Capital	165	203	183	129	-221	-448	2,385	3,040	3,256	3,015	3,007	3,200	4,028	3,972
LT Debt	154	134	92	37	97	262	1,947	2,692	1,886	1,639	1,598	1,707	2,419	2,420
Total Equity	108	118	128	140	168	363	429	491	1,300	1,376	1,458	1,550	1,668	1,706
Return on Invested Capital (%)	7.14	8.47	7.97	2.53	4.33	3.58	2.71	2.41	2.14	1.69	2.55	3.65	2.95	2.04
Return on Capital (%)	7.47	3.28	8.08	8.25	4.34	3.95	2.93	3.21	2.5	2.9	3.62	4.39	4.62	4.07
Return on Common Equity (%)	6.88	9.99	9.42	10.33	20.95	22.83	24.15	33.86	22.32	18.62	18.94	17.55	17.64	40.92

Baid Finserv Limited

Growth Rates

(avg. rate of change)

Company Description

Growth Rates

(avg. rate of change)

Capital Structure

Working Capital

Quarterly Revenue

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Quarterly Dividends Per Share

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Quarterly Earnings Per Share

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