Baid Finserv Limited
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, construction equipment loans, and other asset backed loans. It also offers life, dwelling, and motor insurance products. Baid Finserv Limited was formerly known as Baid Leasing and Finance Co. Ltd. an… Read more
Baid Finserv Limited (BAIDFIN) - Net Assets
Latest net assets as of September 2025: ₹1.91 Billion INR
Based on the latest financial reports, Baid Finserv Limited (BAIDFIN) has net assets worth ₹1.91 Billion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹4.86 Billion) and total liabilities (₹2.95 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹1.91 Billion |
| % of Total Assets | 39.32% |
| Annual Growth Rate | 20.59% |
| 5-Year Change | 30.13% |
| 10-Year Change | 967.71% |
| Growth Volatility | 44.48 |
Baid Finserv Limited - Net Assets Trend (2009–2025)
This chart illustrates how Baid Finserv Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Baid Finserv Limited (2009–2025)
The table below shows the annual net assets of Baid Finserv Limited from 2009 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹1.79 Billion | +7.34% |
| 2024-03-31 | ₹1.67 Billion | +7.60% |
| 2023-03-31 | ₹1.55 Billion | +6.30% |
| 2022-03-31 | ₹1.46 Billion | +6.00% |
| 2021-03-31 | ₹1.38 Billion | +5.81% |
| 2020-03-31 | ₹1.30 Billion | +164.88% |
| 2019-03-31 | ₹490.88 Million | +14.33% |
| 2018-03-31 | ₹429.35 Million | +18.13% |
| 2017-03-31 | ₹363.44 Million | +116.75% |
| 2016-03-31 | ₹167.68 Million | +19.60% |
| 2015-03-31 | ₹140.19 Million | +9.36% |
| 2014-03-31 | ₹128.20 Million | +8.60% |
| 2013-03-31 | ₹118.04 Million | +9.26% |
| 2012-03-31 | ₹108.03 Million | +6.34% |
| 2011-03-31 | ₹101.59 Million | +6.43% |
| 2010-03-31 | ₹95.46 Million | +6.61% |
| 2009-03-31 | ₹89.54 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Baid Finserv Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 3071.5% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹633.89 Million | 35.41% |
| Common Stock | ₹240.14 Million | 13.41% |
| Other Comprehensive Income | ₹201.61 Million | 11.26% |
| Other Components | ₹714.67 Million | 39.92% |
| Total Equity | ₹1.79 Billion | 100.00% |
Baid Finserv Limited Competitors by Market Cap
The table below lists competitors of Baid Finserv Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Prismo Metals Inc.
OTCQB:PMOMF
|
$4.85 Million |
|
Teera-Mongkol Industry Public Company Limited
BK:TMI
|
$4.85 Million |
|
Taitron Components Incorporated
NASDAQ:TAIT
|
$4.85 Million |
|
INA-Industrija Nafte d.d.
ZSE:INA
|
$4.86 Million |
|
Cartier Iron Corp
PINK:CRTIF
|
$4.85 Million |
|
Edaran Bhd
KLSE:5036
|
$4.85 Million |
|
Rain Enhancement Technologies Holdco, Inc. Class A Common Stock
NASDAQ:RAIN
|
$4.85 Million |
|
Globe Metals & Mining Ltd
AU:GBE
|
$4.84 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Baid Finserv Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 1,667,824,000 to 1,790,311,000, a change of 122,487,000 (7.3%).
- Net income of 134,455,000 contributed positively to equity growth.
- Dividend payments of 12,007,000 reduced retained earnings.
- Other comprehensive income increased equity by 192,611,000.
- Other factors decreased equity by 192,572,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹134.46 Million | +7.51% |
| Dividends Paid | ₹12.01 Million | -0.67% |
| Other Comprehensive Income | ₹192.61 Million | +10.76% |
| Other Changes | ₹-192.57 Million | -10.76% |
| Total Change | ₹- | 7.34% |
Book Value vs Market Value Analysis
This analysis compares Baid Finserv Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.73x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 7.59x to 0.73x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2009-03-31 | ₹1.44 | ₹10.91 | x |
| 2010-03-31 | ₹1.55 | ₹10.91 | x |
| 2011-03-31 | ₹1.66 | ₹10.91 | x |
| 2012-03-31 | ₹1.76 | ₹10.91 | x |
| 2013-03-31 | ₹1.92 | ₹10.91 | x |
| 2014-03-31 | ₹2.08 | ₹10.91 | x |
| 2015-03-31 | ₹2.28 | ₹10.91 | x |
| 2016-03-31 | ₹2.73 | ₹10.91 | x |
| 2017-03-31 | ₹3.72 | ₹10.91 | x |
| 2018-03-31 | ₹4.25 | ₹10.91 | x |
| 2019-03-31 | ₹4.09 | ₹10.91 | x |
| 2020-03-31 | ₹10.83 | ₹10.91 | x |
| 2021-03-31 | ₹11.46 | ₹10.91 | x |
| 2022-03-31 | ₹12.15 | ₹10.91 | x |
| 2023-03-31 | ₹14.54 | ₹10.91 | x |
| 2024-03-31 | ₹13.89 | ₹10.91 | x |
| 2025-03-31 | ₹14.91 | ₹10.91 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Baid Finserv Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 7.51%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 16.62%
- • Asset Turnover: 0.18x
- • Equity Multiplier: 2.54x
- Recent ROE (7.51%) is below the historical average (8.47%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2009 | 1.32% | 5.33% | 0.16x | 1.57x | ₹-7.77 Million |
| 2010 | 6.20% | 17.25% | 0.18x | 1.96x | ₹-3.62 Million |
| 2011 | 6.04% | 19.65% | 0.12x | 2.54x | ₹-4.03 Million |
| 2012 | 5.96% | 6.95% | 0.27x | 3.17x | ₹-4.36 Million |
| 2013 | 8.48% | 5.05% | 0.56x | 2.97x | ₹-1.80 Million |
| 2014 | 7.92% | 13.82% | 0.18x | 3.18x | ₹-2.67 Million |
| 2015 | 8.56% | 14.37% | 0.13x | 4.60x | ₹-2.02 Million |
| 2016 | 16.39% | 15.06% | 0.17x | 6.26x | ₹10.72 Million |
| 2017 | 10.92% | 13.93% | 0.18x | 4.38x | ₹3.34 Million |
| 2018 | 13.22% | 14.04% | 0.15x | 6.34x | ₹13.80 Million |
| 2019 | 19.78% | 17.43% | 0.17x | 6.79x | ₹48.03 Million |
| 2020 | 5.85% | 12.71% | 0.18x | 2.62x | ₹-53.95 Million |
| 2021 | 5.44% | 15.18% | 0.16x | 2.30x | ₹-62.78 Million |
| 2022 | 6.03% | 18.70% | 0.15x | 2.18x | ₹-57.96 Million |
| 2023 | 6.70% | 19.46% | 0.16x | 2.20x | ₹-51.22 Million |
| 2024 | 7.75% | 20.58% | 0.15x | 2.55x | ₹-37.54 Million |
| 2025 | 7.51% | 16.62% | 0.18x | 2.54x | ₹-44.58 Million |
Industry Comparison
This section compares Baid Finserv Limited's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $3,879,523,701
- Average return on equity (ROE) among peers: 15.30%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Baid Finserv Limited (BAIDFIN) | ₹1.91 Billion | 1.32% | 1.54x | $4.85 Million |
| Akme Fintrade India Ltd (AFIL) | $3.82 Billion | 8.69% | 0.77x | $14.54 Million |
| Arman Financial Services Limited (ARMANFIN) | $196.82 Million | 15.55% | 2.31x | $97.80 Million |
| Capital Trust Limited (CAPTRUST) | $93.80 Million | 16.46% | 2.19x | $586.90K |
| Capri Global Capital Limited (CGCL) | $1.53 Billion | 67.12% | 0.54x | $555.03 Million |
| Cholamandalam Financial Holdings Limited (CHOLAHLDNG) | $8.02 Billion | 8.68% | 3.62x | $1.74 Billion |
| Capital India Finance Limited (CIFL) | $6.56 Billion | -6.33% | 1.73x | $2.98K |
| CP Capital Limited (CPCAP) | $5.46 Billion | 6.99% | 0.14x | $4.60 Million |
| CREDITACCESS GRAMEEN LIMITED (CREDITACC) | $6.91 Billion | 10.89% | 4.16x | $724.43 Million |
| CSL Finance Limited (CSLFINANCE) | $2.33 Billion | 9.66% | 0.43x | $19.61 Million |