Baid Finserv Limited (BAIDFIN) Fair Value & Analysis
Financial Services · IN · Market cap ₹1.5B
Fair value as of: Aug 4, 2026
From 13 valuation models · updated today
Share price −2.9% over the past month.
Below-average quality, screening 26% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from ₹9.43 (bear) to ₹15.71 (bull), base ₹12.57. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 31/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 4, 2026.
How to read this chart
60‑month range ₹2.07 – ₹43.37 · fair‑value band ₹9.43 – ₹15.71 · the ₹9.94 price screens below the ₹12.57 fair value. Dashed = 300-day average. As of Aug 4, 2026.
Analysis
Baid Finserv Limited (BAIDFIN) currently trades at ₹9.94, while our model-based Fair Value estimate is ₹12.57, implying the stock looks roughly 26.5% undervalued today. We read business quality at 31/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Baid Finserv Limited generated revenue of ₹576M at a net margin of 26.0%. Revenue grew 59.7% year over year. It earns a return on equity of 7.3%. Net debt stands at ₹2.8B. Fundamentals as of Aug 4, 2026
Our scenario range runs from ₹9.43 (bear case) to ₹15.71 (bull case); at ₹9.94, the current price sits within that range. The share trades about 26% below its 52-week high and 10% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -41% fair-value upside, at 26%, BAIDFIN screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 13 models by family
Widest divergence: Growth Earnings (₹23.26) versus DCF Models (₹3.12). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 4, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 25 · Market factors (momentum, volatility) 35
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Baid Finserv Limited operates as a non-banking finance company in India. The company provides car loans, commercial vehicle loans, tractors, small and medium enterprise loans, loan against property, and construction equipment loans. It also offers life, dwelling, and motor insurance products.
Full company description
Baid Finserv Limited operates as a non-banking finance company in India. The company provides car loans, commercial vehicle loans, tractors, small and medium enterprise loans, loan against property, and construction equipment loans. It also offers life, dwelling, and motor insurance products. Baid Finserv Limited was formerly known as Baid Leasing and Finance Co. Ltd. and changed its name to Baid Finserv Limited in July 2022. The company was incorporated in 1991 and is based in Jaipur, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Baid Finserv Limited reported revenue of ₹972M in FY2026 versus ₹470M in FY2022, a compound +19.9%/yr. Reported net income was ₹150M in FY2026, compounding +14.3%/yr from FY2022.
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Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 4, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $348.97 | $204.19 | -41% |
| Mastercard Incorporated MA | $537.70 | $221.87 | -59% |
| American Express Company AXP | $358.44 | $206.40 | -42% |
| Bajaj Finance Limited BAJFINANCE | ₹1,056 | ₹397.61 | -62% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,024 | ₹553.83 | -46% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,808 | ₹796.52 | -56% |
| Tata Capital Limited TATACAP | ₹360.60 | ₹229.85 | -36% |
| Power Finance Corporation PFC | ₹405.10 | ₹810.20 | +100% |
| Muthoot Finance Limited MUTHOOTFIN | ₹3,129 | ₹3,463 | +11% |
| Indian Railway Finance Corporation IRFC | ₹88.41 | ₹69.72 | -21% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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