BAIDFIN

Baid Finserv Limited

NBFC offering loans to customers, part of Baid Group

Financial Services›Financial Services›Finance›Non Banking Financial Company (NBFC)

baidfinserv.com(opens the company website in a new tab)
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Key metrics

Price as of 2026-10-16

Stock price
₹9.89
Market cap
160 Cr
Stock P/E
10.0
P/B
0.66
Dividend yield
0.7%
ROE (FY26)
6.4%

Full years shown; sign in free for the trailing twelve months. Learn about these metrics →

Price & valuation

Share price and valuation multiples (P/E, P/B and more) over time.

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Compare with peers

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What you need to know

Baid Finserv is a Jaipur-based non-banking finance company (NBFC) that lends for vehicles, mortgages and small businesses, including in rural and smaller-town markets.

Company snapshot

53rdBy market cap

Ranked among 58 companies in Non Banking Financial Company (NBFC).

What we see

Positives
  • ✓Net margin of 15.4% — the business keeps a healthy share of every rupee it earns.
Concerns
  • ✗Operating cash flow is negative even though the company shows a profit — the business may not be generating real cash yet.

Statement tables · Standalone

Switches quarterly, P&L, balance sheet, and cash flow. Key metrics and ratios stay on consolidated when available.

Standalone only

Amounts in ₹ Cr · tap + to expand rows

Quarterly results

Quarterly · ₹ Cr · tap + rows to expand

MetricSept 2023Dec 2023Mar 2024Jun 2024Sept 2024Dec 2024Mar 2025Jun 2025Sept 2025Dec 2025Mar 2026Jun 2026
Net Interest Income7 Cr10 Cr7 Cr9 Cr8 Cr11 Cr10 Cr11 Cr11 Cr12 Cr13 Cr14 Cr
Other income0.25 Cr0.07 Cr0.05 Cr0.47 Cr0.06 Cr0.01 Cr0.02 Cr0.13 Cr0.14 Cr1 Cr0.56 Cr0.41 Cr
Net operating income7 Cr10 Cr7 Cr9 Cr8 Cr11 Cr10 Cr11 Cr11 Cr13 Cr13 Cr14 Cr
Employee cost2 Cr2 Cr2 Cr2 Cr2 Cr3 Cr2 Cr2 Cr2 Cr3 Cr3 Cr2 Cr
Other expenses2 Cr1 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr2 Cr
Provisions & contingencies————————————
Depreciation0.13 Cr0.11 Cr0.22 Cr0.08 Cr0.29 Cr0.17 Cr0.89 Cr0.24 Cr0.20 Cr0.25 Cr0.24 Cr0.23 Cr
Profit before tax3 Cr5 Cr2 Cr4 Cr3 Cr6 Cr5 Cr5 Cr6 Cr6 Cr2 Cr6 Cr
Tax %25.2%28.7%46.7%24.7%25.2%25.2%28.1%25.2%25.2%26.4%23.5%25.2%
Net profit3 Cr4 Cr1 Cr3 Cr2 Cr5 Cr4 Cr4 Cr5 Cr5 Cr2 Cr4 Cr
EPS (₹)₹0.21₹0.30₹0.09₹0.26₹0.16₹0.39₹0.30₹0.33₹0.38₹0.37₹0.07₹0.28

Profit & loss (annual)

Annual · last column is TTM · ₹ Cr · tap + to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
Net Interest Income—31 Cr29 Cr30 Cr34 Cr33 Cr38 Cr47 CrSign in free for the trailing twelve months
Other income0.44 Cr0.20 Cr0.65 Cr0.11 Cr0.88 Cr0.44 Cr0.56 Cr2 CrSign in free for the trailing twelve months
Net operating income0.44 Cr31 Cr30 Cr30 Cr34 Cr34 Cr38 Cr48 CrSign in free for the trailing twelve months
Employee cost5 Cr6 Cr5 Cr5 Cr5 Cr7 Cr9 Cr10 CrSign in free for the trailing twelve months
Other expenses14 Cr5 Cr4 Cr5 Cr7 Cr7 Cr8 Cr8 CrSign in free for the trailing twelve months
Provisions & contingencies————————Sign in free for the trailing twelve months
Depreciation0.38 Cr0.36 Cr0.29 Cr0.29 Cr0.33 Cr0.48 Cr3 Cr0.94 CrSign in free for the trailing twelve months
Profit before tax11 Cr10 Cr10 Cr12 Cr14 Cr18 Cr18 Cr20 CrSign in free for the trailing twelve months
Tax %27.4%26.6%27.3%27.7%25.8%28.6%25.9%25.4%Sign in free for the trailing twelve months
Net profit8 Cr8 Cr7 Cr9 Cr10 Cr13 Cr13 Cr15 CrSign in free for the trailing twelve months
EPS (₹)₹7.77₹6.34₹6.23₹7.32₹0.97₹1.08₹1.12₹1.15Sign in free for the trailing twelve months
Dividend payout %——0.0%6.8%11.6%9.3%8.9%8.0%Sign in free for the trailing twelve months
Sign in free for the trailing twelve months

The latest four quarters added up, next to each full year

Balance sheet

Annual · ₹ Cr · tap + rows to expand

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity capital10 Cr12 Cr12 Cr12 Cr24 Cr24 Cr24 Cr31 Cr
Reserves38 Cr119 Cr126 Cr134 Cr131 Cr143 Cr155 Cr202 Cr
Borrowings—189 Cr164 Cr160 Cr171 Cr242 Cr255 Cr285 Cr
Other liabilities286 Cr25 Cr15 Cr12 Cr15 Cr17 Cr20 Cr21 Cr
Total liabilities334 Cr345 Cr316 Cr318 Cr341 Cr426 Cr454 Cr539 Cr
Fixed assets (net)2 Cr1 Cr1 Cr1 Cr1 Cr4 Cr5 Cr6 Cr
CWIP—0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr0 Cr
Investments11 Cr13 Cr3 Cr9 Cr6 Cr5 Cr10 Cr16 Cr
Loans & advances—312 Cr272 Cr271 Cr299 Cr362 Cr403 Cr486 Cr
Inventories0.11 Cr0.07 Cr0.11 Cr0.10 Cr0.04 Cr0.45 Cr1 Cr0.19 Cr
Trade receivables0 Cr0 Cr11 Cr7 Cr0 Cr0 Cr0 Cr0 Cr
Cash & bank3 Cr2 Cr4 Cr9 Cr9 Cr33 Cr11 Cr7 Cr
Other assets318 Cr16 Cr24 Cr21 Cr25 Cr22 Cr24 Cr24 Cr
Total assets334 Cr345 Cr316 Cr318 Cr341 Cr426 Cr454 Cr539 Cr

Cash flows

Annual · ₹ Cr · tap + rows to expand · last column includes FCF

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from operating activity-27 Cr—50 Cr34 Cr6 Cr-22 Cr2 Cr-33 Cr
Cash from investing-2 Cr—0.40 Cr-6 Cr3 Cr-2 Cr-6 Cr-8 Cr
Cash from financing28 Cr—-49 Cr-24 Cr-8 Cr47 Cr-17 Cr37 Cr
Net cash flow-0.45 Cr—2 Cr4 Cr0.42 Cr24 Cr-21 Cr-4 Cr
Free cash flow (OCF − Capex)——50 Cr34 Cr5 Cr-25 Cr0.22 Cr-35 Cr

Ratios

MetricMar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %16.5%5.8%5.4%6.0%6.7%7.7%7.5%6.4%
Debt / equity0.001.451.191.101.101.451.431.23