Baid Finserv

₹10.19As of Sun 8 Nov 2026, 12:00 UTC

NSE:BAIDFINFinancials

Country India

PE (Fwd) 6.961

TSR 4Y CAGR (24.71%)

Div yield 0.98%

ROTE —

Credit Services

Beta (5Y) 0.38

PE TTM 8.869

TSR TTM (3.10%)

Mkt cap ₹1.606B

NIM —

SE Grade™

—

Value

Quality

—

Moat

—

1Y Price

Reference

₹11

8.25%

132.58%

Price below Reference Value

TTM

FYE 31 Mar INR

FY2017

FY2018

FY2019

FY2020

FY2021

FY2022

FY2023

FY2024

FY2025

FY2026

FY2027E

Trend

10Y

Peers

686.3

Revenue₹M

—

307.9

364.1

414.0

543.3

686.3

780.7

22.19%

26.32

Revenue growth%

—

18.27

13.69

31.23

26.32

13.75

22.30

—

NIM%

—

69.06

Effic. R.%

—

46.65

49.24

53.17

64.80

69.06

69.14

53.17

—

21.82

Net margin%

—

28.54

28.50

31.22

24.75

21.82

28.50

8.869

P/E ratio (avg)x

—

35.01

29.58

14.17

9.606

7.797

21.88

—

P/TBVx

—

P/Bx

—

479.9

NII₹M

—

304.6

339.2

340.4

394.6

479.9

544.5

12.03%

—

21.63

NII grth%

—

11.35

0.35

15.92

21.63

13.46

13.64

—

ROTE%

—

Return on equity%

—

Return on assets%

—

1.15

EPS₹

—

0.73

0.97

1.08

1.12

1.15

1.31

11.94%

—

2.60

EPS growth%

—

33.07

10.50

4.06

2.60

13.75

7.28

—

Bookvalue per sh₹

—

TBV/sh₹

—

0.10

Dividend per sh₹

—

0.10

—

0.98

Div yield (avg)%

—

0.29

0.31

0.63

0.91

1.01

0.47

—

8.70

Payout ratio%

—

13.66

10.31

9.29

8.93

8.70

7.86

9.29

—

130.3

Shares (diluted)M

—

120.1

106.6

120.1

130.3

◌130.3

2.07%

(8.55)

Buyback yield%

—

11.23

(12.68)

0.03

(8.55)

◌—

(4.26)

—

Eq/Assets%

—

Assets₹M

—

LT debt₹M

—

Peers (US$17.59M)

Cap (US$)

Starteck Finance…

25.95M

9.933x

Shalibhadra Finance…

23.46M

11.16x

Maha Rashtra Apex…

14.41M

—

PT Fuji Finance…

16.80M

44.26x

Capital

TTM

10Y

Tang eq%

—

LT debt%

—

Cash%

—

Sh yield%

(7.57)

(3.50)

Owners

Insiders/Inst%

21.65

2.01

Short interest%

—

SBC / revenue%

—

Record

10Y

Profitable years

5/5

Revenue growth years

4/4

EPS growth years

4/4

Dividend streakyrs

ROE range%

—

$1 testx

—

Incr. ROIC%

—

Baid Finserv Limited operates as a non-banking finance company in India. The company provides car, new and used commercial vehicle, gold, small and medium enterprises, tractors, construction equipment, and other asset backed loans, as well as loan against property. It also offers life, dwelling, and motor insurance products. The company was formerly known as Baid Leasing and Finance Co. Ltd.

Growth vs revenue

Latest

Trend

4Y CAGR

Rel growth

Revenue

₹686.3M

22.19%

1.00×

Non-interest expense

₹474.0M

34.78%

1.48×

Revenue mix

Trend

Net interest income

69.92%

Non-interest income

30.08%

Reinvestment returns

n/m

Trend

Retention rate

n/m

Return on capital

n/m

Spread over hurdle

n/m