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Swing Capital

Baid Finserv Ltd

NSE: BAIDFIN BSE: 511724Banking

Baid Finserv Limited (Formerly Known as Baid Leasing and Finance Company Limited) is a Non- Deposit Taking NBFC carrying out the business of providing Car Loans, Commercial Vehicle Loans (new & used), MSME Loans, Loan Against Property and other asset backed loans. The Company is deeply penetrated in Rajasthan and has started operations in Madhya Pradesh.[1]

₹10.7
52W: ₹8.8 — ₹13.9
PE 11 · Book ₹15 · -29% vs book
Market Cap₹165 Cr
Stock P/E11Price to Earnings
ROCE10.9%Return on Capital
ROE7.27%Return on Equity
Div. Yield0.93%Face Value ₹2

Strengths

  • +Stock is trading at 0.69 times its book value
  • +Promoter holding has increased by 1.68% over last quarter.

Weaknesses

  • −Company has low interest coverage ratio.
  • −Company has a low return on equity of 7.65% over last 3 years.
  • −Dividend payout has been low at 6.07% of profits over last 3 years

Shareholding Pattern

Promoters47.39%
FIIs0.2%
DIIs0%
Public52.41%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters34.98%35.42%▲0.436.25%▲0.836.25%36.25%36.25%45.71%▲9.547.39%▲1.7
FIIs0.03%0.04%▲0.00.01%▼0.00.29%▲0.30.29%0.26%▼0.00.21%▼0.10.2%▼0.0
DIIs0%0%0%0%0%0%0%0%
Public64.99%64.55%▼0.463.75%▼0.863.46%▼0.363.45%▼0.063.49%▲0.054.1%▼9.452.41%▼1.7

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses5.146.48.049.167.69.5510.319.7110.8415.35
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit3.611.083.121.964.733.644.024.554.751.66
EPS ₹0.240.070.210.130.320.240.270.30.320.11

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Institutional Flow

DIIs: 0% (+0.00pp change). FIIs: 0.2% (+0.11pp change). Promoters hold 47.39%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 11x with 10.9% ROCE. Price is -29% above book value of ₹15. Dividend yield: 0.93%.

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