BAIDFIN
Baid Finserv Limited (BAIDFIN) Stock Analysis
Baid Finserv Limited is an Indian non-banking finance company providing loans and financial services. It serves retail and small enterprise customers with secured and unsecured credit products. The company operates as a listed NBFC in India. It is a small-cap financial services stock.
Financial Services › Credit Services
₹10.10
+3.90% 1W | -12.90% 52W
Market Cap
164 CR
P/E Ratio
9.3
52W High
₹13
52W Low
₹8.8
Div. Yield
0.99%
Beta
0.2
50 DMA
₹10
200 DMA
₹10.6
Profit Margin
28.6%
Inst. Own.
0%
⚡ APPROACHING SUPPORT
⚠️ BREAKDOWN
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 18.24 | 15.01 | 17.51 | 15.15 | 18.89 | 19.65 | 21.34 | 22.12 | 23.78 | 23.84 | 24.63 | 25.01 | 21.64 |
| Interest | 5.29 | 5.51 | 5.71 | 6.54 | 7.09 | 7.65 | 7.26 | 7.34 | 7.99 | 7.99 | 8.18 | 7.81 | 7.94 |
| Expenses | 5.41 | 6.20 | 5.14 | 6.40 | 8.04 | 9.16 | 7.60 | 9.55 | 10.31 | 9.71 | 10.84 | 15.35 | 8.07 |
| Financing Profit | 7.54 | 3.30 | 6.66 | 2.21 | 3.76 | 2.84 | 6.48 | 5.23 | 5.48 | 6.14 | 5.61 | 1.85 | 5.63 |
| Financing Margin % | 41.34% | 21.99% | 38.04% | 14.59% | 19.90% | 14.45% | 30.37% | 23.64% | 23.04% | 25.76% | 22.78% | 7.40% | 26.02% |
| Other Income | 0.07 | 0.25 | 0.07 | 0.05 | 0.47 | 0.06 | 0.01 | 0.02 | 0.13 | 0.14 | 1.10 | 0.56 | 0.41 |
| Depreciation | 0.12 | 0.13 | 1.67 | 0.22 | 0.08 | 0.29 | 0.17 | 0.19 | 0.24 | 0.20 | 0.25 | 0.24 | 0.23 |
| Profit before tax | 7.49 | 3.42 | 5.06 | 2.04 | 4.15 | 2.61 | 6.32 | 5.06 | 5.37 | 6.08 | 6.46 | 2.17 | 5.81 |
| Tax % | 25.23% | 25.15% | 28.66% | 46.57% | 24.58% | 25.29% | 25.16% | 27.87% | 25.14% | 25.16% | 26.47% | 23.50% | 25.13% |
| Net Profit | 5.61 | 2.56 | 3.61 | 1.08 | 3.12 | 1.96 | 4.73 | 3.64 | 4.02 | 4.55 | 4.75 | 1.66 | 4.34 |
| EPS in Rs | 0.37 | 0.17 | 0.24 | 0.07 | 0.21 | 0.13 | 0.32 | 0.24 | 0.27 | 0.30 | 0.32 | 0.11 | 0.28 |
| Gross NPA % | |||||||||||||
| Net NPA % |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 8 | 18 | 28 | 41 | 58 | 63 | 54 | 50 | 56 | 66 | 82 | 99 | 95 |
| Interest | 3 | 6 | 11 | 18 | 28 | 31 | 24 | 20 | 18 | 23 | 29 | 32 | 32 |
| Expenses | 3 | 8 | 12 | 15 | 17 | 21 | 19 | 18 | 24 | 25 | 34 | 46 | 44 |
| Financing Profit | 2 | 4 | 6 | 8 | 13 | 11 | 10 | 12 | 14 | 18 | 19 | 20 | 19 |
| Financing Margin % | 23% | 23% | 21% | 21% | 22% | 17% | 19% | 25% | 26% | 28% | 23% | 21% | 20% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 2 |
| Depreciation | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 1 | 1 |
| Profit before tax | 2 | 4 | 6 | 8 | 13 | 10 | 10 | 12 | 14 | 18 | 18 | 20 | 21 |
| Tax % | 34% | 32% | 31% | 31% | 24% | 27% | 27% | 28% | 26% | 29% | 26% | 25% | |
| Net Profit | 1 | 3 | 4 | 6 | 10 | 8 | 7 | 9 | 10 | 13 | 13 | 15 | 15 |
| EPS in Rs | 0.16 | 0.36 | 0.32 | 0.45 | 0.77 | 0.51 | 0.50 | 0.59 | 0.69 | 0.86 | 0.90 | 0.97 | 1.01 |
| Dividend Payout % | 0% | 0% | 13% | 18% | 10% | 0% | 8% | 7% | 12% | 9% | 9% | 10% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 21.0% | 13.0% | 18.0% |
| Profit CAGR | 13.0% | 15.0% | 19.0% |
Shareholding Pattern
Promoters36.25%
FIIs0.26%
Public63.49%
Promoters45.71%
FIIs0.21%
Public54.10%
Promoters47.39%
FIIs0.20%
Public52.41%
Promoters47.39%
FIIs0.19%
Public52.42%
Promoters49.73%
FIIs0.18%
Public50.09%
Promoters34.80%
Public65.19%
Promoters34.81%
FIIs0.03%
Public65.18%
Promoters36.25%
FIIs0.29%
Public63.46%
Promoters47.39%
FIIs0.20%
Public52.41%
Promoters49.73%
FIIs0.18%
Public50.09%
BAIDFIN
Holdings Analysis
Key strengths & risk signals
66
Overall
73
Fundamental
59
Technical
Risks (4)
TOO MUCH PUBLIC HOLDING! 65.1% public ownership - higher volatility risk.
WEAK POSITION! Current price (10.1) is below both moving averages.
NEGATIVE MOMENTUM! Price declined across timeframes - down 1.8% (1 week), 15.9% (1 month), 1.3% (3 months).
BEARISH TREND! 50-day average (10.3) is below 200-day average (10.6) - negative signal.
Strengths (4)
UNDERVALUED! PEG of 0.72 indicates stock is cheap relative to growth.
BULLISH SENTIMENT! In last 30 days: 11 up days, 17 down days. Avg volume on up days: 202,632 vs down days: 107,401. Ratio: 1.89x
LOW VOLATILITY! Beta of 0.10 - stable stock, less market risk.
NEUTRAL! RSI at 43.1 - balanced momentum.
Fundamental & Technical Analysis
66Overall
73Fundamental
59Technical
Fundamental Breakdown
Growth Quality
26/30
Revenue CAGR: 21.5% (EXCELLENT, 15/15). Profit CAGR: 13.0% (GOOD, 11/15).
Profit Margin
9/10
EXCELLENT EFFICIENCY! 28.6% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.72 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.98% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
5/20
TOO MUCH PUBLIC HOLDING! 65.1% public ownership - higher volatility risk.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (10.3) is below 200-day average (10.6) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (10.1) is below both moving averages.
Trend Pattern
10/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
3/10
WEAK YEAR! Stock declined 3.7% in the last year.
Volume Sentiment
30/30
BULLISH SENTIMENT! In last 30 days: 11 up days, 17 down days. Avg volume on up days: 202,632 vs down days: 107,401. Ratio: 1.89x
RSI
3/5
NEUTRAL! RSI at 43.1 - balanced momentum.
52W Range
2/5
LOWER HALF! Trading at 31.0% of 52W range - weakness visible.
Momentum
1/5
NEGATIVE MOMENTUM! Price declined across timeframes - down 1.8% (1 week), 15.9% (1 month), 1.3% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.10 - stable stock, less market risk.
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BAIDFIN | ₹10.10 | 9.3 | 28.6% | 13.0% | 15.0% | -12.9% | 56 | APPROACHING RESISTANCE | +8.5% | +155.3% | +13.1% | +1.6% |
| MAHAPEXLTD | ₹51.60 | – | – | 0.2% | – | -47.4% | 44 | BREAKDOWN | -85.4% | -170.0% | 0.0% | 0.0% |
| SONAL | ₹81.50 | 5.1 | 133.6% | 15.6% | 12.6% | -11.4% | 56 | APPROACHING SUPPORT | -69.0% | -52.7% | -44.1% | -61.2% |
| SAHLIBHFI | ₹77.10 | 12 | 54.2% | 14.0% | 32.5% | -9.5% | 69 | CONSOLIDATION | +6.5% | -3.9% | +15.8% | 0.0% |
| CAPTRUST | ₹23.50 | – | -173.8% | -21.0% | – | -28.8% | 64 | BREAKOUT | -102.4% | -101.1% | +3.4% | +140.0% |
| STARTECK | ₹257.80 | 10.5 | 75.4% | 13.0% | 2.7% | -13.8% | 61 | BREAKDOWN | +22.9% | -17.3% | +39.7% | +31.3% |
| IITL | ₹125.70 | – | – | 28.5% | – | -34.2% | 46 | BREAKDOWN | +48.5% | -160.0% | +12.8% | -11.7% |
| CPCAP | ₹146.40 | 5.9 | 57.1% | -4.2% | 52.7% | +27.8% | 79 | CONSOLIDATING UP | +23.1% | +46.2% | -4.1% | -5.6% |
Data from TradeAlone · Updated daily
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