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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Baid Finserv Limited is an India-based non-deposit taking non-banking financial company (NBFC) (Base Layer) that specializes in providing secured micro, small, and medium enterprises (MSME) loans, vehicle loans, and insurance products. The Company services include car loan,…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, steadily growing business, trading cheap versus its own history — but flagged on governance.
Baid Finserv is scored on the nbfc / financials framework. It keeps a healthy 15.4% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 21%/yr and profit at 13%/yr. Book value has grown 15%/yr. Return on equity is a weak 6.4%. In the latest quarter profit grew 161% versus the prior quarter.
At 9× earnings, the stock sits at the 9th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-0%/yr growth over a decade — undemanding expectations. The forensic screen raises a red flag: Share count up 22% over 4 years — heavy equity dilution.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 10.41 | 10.88 | better |
| P/B | 0.66 | 1.4 | better |
| EV/EBITDA | 7.74 | 14.13 | better |
| ROE | 6.41 | — | — |
| ROCE | 10.32 | — | — |
| ROA | 2.95 | — | — |
| Quick Ratio | 1.02 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 21% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (21% vs 13%) — costs are rising faster than the top line.
Operating margin has compressed from 26% to 21% — costs or competition are eating into profitability.
ROE at 6% — modest; the capital isn't working hard. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (13% vs 6%) — share dilution is eroding per-share value. 6% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
2 of 4 years had negative operating cash flow — profitability on paper may not translate to cash.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue fell 13% QoQ — could be seasonality or a genuine slowdown.
Profit jumped 161% QoQ — check if this is operating leverage or a one-off item.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters at 49.7% — dispersed ownership; institutional flows drive the stock. Promoters added 2.3pp over 4 quarters — creeping acquisition signals conviction.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.