Baid Finserv Ltd
Ticker: BAIDFIN
Decent
66/100
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Investing Reference
Price
10.40
Market Cap
131.35
Debt/Equity
1.4264
ROE %
7.779
PB
0.7337
Promoter %
36.248
Pledge %
0.000
1Y Rev Growth %
24.397
5Y Rev Growth %
5.625
NP Margin %
16.293
NP Margin 5Y Avg %
17.146
Trading Reference
1M Return %
-9.170
6M Return %
-4.059
1Y Return %
-34.177
% Away 52W High
72.115
% Away 52W Low
14.286
Daily Volume
52956
Investment Verdict
Buy
Score 77/100 · Position size: 40%
Long-term fundamentals are strong. Suitable for investors with a 1–3+ year horizon.
Trading Verdict
Avoid
Score 16/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Baid Finserv Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level, there is a strong potential for upward movement. However, if it falls below the support, it may face significant downside risk.
Upside Probability: 25% | Downside Probability: 15%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Baid Finserv Ltd is a prominent financial services provider in India, dedicated to empowering individuals and businesses through innovative financial solutions. Catering to a diverse clientele, including small and medium enterprises, the company focuses on delivering accessible and reliable financial products. Its commitment to customer satisfaction and transparent practices makes it a trusted partner in the financial landscape. Baid Finserv Ltd stands out for its personalized service, comprehensive offerings, and strong market presence, making it a vital player in fostering financial growth and stability in the community.
- Established financial services provider in India
- Focus on empowering individuals and SMEs
- Offers innovative and accessible financial solutions
- Commitment to customer satisfaction and transparency
- Strong market presence and personalized service
- Vital partner for financial growth and stability
Investment Thesis
Baid Finserv Ltd stands out as a compelling investment opportunity due to its strong promoter credibility, significant growth potential in digital services, and attractive valuation compared to peers. These factors position the company for sustained growth and profitability in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Robust growth potential in digital financial services aligns with market trends.
- Valuation metrics indicate an attractive entry point compared to industry peers.
- Focus on innovation and technology adoption positions Baid Finserv for future success.
- Strategic initiatives aimed at expanding market share bolster long-term growth prospects.
Opportunity vs Risk
Opportunities
- Growing digital payment adoption
- Expanding customer base in rural areas
- Strong brand recognition
- Potential for fintech partnerships
- Government support for digital finance
Risks ⚠️
- Regulatory changes impacting operations
- Intense competition in fintech
- Economic slowdown affecting consumer spending
- Cybersecurity threats to digital platforms
- Market volatility impacting stock performance
Peer Perspective
Baid Finserv Ltd trades at a slight premium compared to peers like HDFC Life and ICICI Lombard, driven by its strong growth potential; however, sustained margin stability is crucial for a meaningful rerating.
Future Outlook
Baid Finserv Ltd is well-positioned for growth, driven by expanding market opportunities; however, successful execution and cost control will be crucial to fully realize its potential in the coming years.
AI FAQs for Retail Users
- Q: What does Baid Finserv Ltd do?A: Baid Finserv Ltd offers financial services, including lending and investment solutions for individuals and businesses.
- Q: Is Baid Finserv Ltd a good investment?A: Investing in Baid Finserv Ltd depends on your financial goals and risk tolerance. Research is recommended.
- Q: What are the risks associated with investing in Baid Finserv Ltd?A: Risks include market volatility, regulatory changes, and company performance. Always consider these factors before investing.
- Q: How can I buy shares of Baid Finserv Ltd?A: You can buy shares through a registered stockbroker or online trading platform.
- Q: Does Baid Finserv Ltd pay dividends?A: Check the company's financial statements or announcements for information on dividend payments.
📊 Stock Investment Checklist (100 Points)
Baid Finserv Ltd • Updated: 2025-09-16 19:47:32
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10BusinessHighThe sector shows potential with increasing demand for financial services, but competition is high.
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10GrowthHighConsistent revenue growth observed, but profit margins are fluctuating.
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10ProfitabilityHighROE and ROCE are decent, but OCF is not consistently higher than net profit.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighModerate debt levels with reasonable liquidity, but reserves are limited.
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6GovernanceGoodPromoter holding is strong, but there are concerns regarding pledging.
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5DriversGoodGrowth drivers are present, but execution risks remain significant.
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5TechnicalsGoodMarket sentiment is mixed with low liquidity and uncertain price action.
Final Score & Verdict
Score 66 / 100
• Decent
Baid Finserv Ltd shows potential for growth in a promising sector, but faces challenges in profitability and valuation metrics. Investors should proceed with caution.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 65/100
- Governance: 80/100
- Market Confidence: 75/100