BAIDFIN.NS(BAIDFIN.NS)

$10.69—Stale · unknown old

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BAIDFIN.NS(BAIDFIN.NS)

NSE • Last print unknown ago

$10.69—Stale · unknown old

WatchlistAsk SA Chart Studio

BAIDFIN.NS(BAIDFIN.NS)

BAIDFIN.NS

9/26/26

Baid Finserv (BAIDFIN.NS)

Saturday

6:44 PM

ThesisBaid Finserv: the story is balanced — Loan book growth rate (Assets Under Management expansion) - key indicator of market share gains and business momentum

Revenue Outlook

Metric	FY2025	FY2026
Revenue	$809M	$992M
Rev. Growth	+28.8%	+22.6%
EPS	$1.12	$1.15
EPS Growth	+3.7%	+2.7%
P/E	9.5×	9.3×

What Moves the Stock

01Loan book growth rate (Assets Under Management expansion) - key indicator of market share gains and business momentum
02Gross NPA and Net NPA ratios - asset quality deterioration triggers sharp valuation derating in NBFC stocks
03Net Interest Margin (NIM) compression or expansion - driven by competitive pricing and funding cost changes
04Regulatory changes from Reserve Bank of India (RBI) affecting NBFC capital requirements, lending norms, or digital lending guidelines
05Liquidity events or funding access - NBFCs are vulnerable to wholesale funding market disruptions
06Interest income from retail loans (personal loans, consumer durables financing) - estimated 60-70% of revenue
07Interest income from MSME/small business loans - estimated 20-30% of revenue
08Fee-based income (processing fees, late payment charges, insurance cross-sell) - estimated 5-10% of revenue

FY2026 Snapshot

Revenue: $992M
Rev. Growth: +22.6%
Gross Margin: 45.8%
Op. Margin: 28.0%
Net Margin: 15.1%
Net Income: $150M
NI Growth: +11.4%
EPS: $1.15
1Y Return: -4.3%

My Notes

growth - The 28.8% revenue growth attracts growth investors seeking exposure to India's expanding consumer credit market.
High sensitivity to RBI policy rates and yield curve dynamics.
Watch on earnings: Reserve Bank of India (RBI) repo rate and monetary policy stance - directly impacts funding costs, India GDP growth rate and industrial production - drives credit demand and repayment capacity, Gross NPA and Net NPA ratios reported quarterly - early warning of asset quality stress.

One Sentence Summary:

Baid Finserv: the story is balanced — loan book growth rate (assets under management expansion) - key indicator of market share gains and business momentum.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

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Metric

FY2025

FY2026

P/E

9.5×

9.3×

What Moves the Stock

01Loan book growth rate (Assets Under Management expansion) - key indicator of market share gains and business momentum

02Gross NPA and Net NPA ratios - asset quality deterioration triggers sharp valuation derating in NBFC stocks

03Net Interest Margin (NIM) compression or expansion - driven by competitive pricing and funding cost changes

04Regulatory changes from Reserve Bank of India (RBI) affecting NBFC capital requirements, lending norms, or digital lending guidelines

05Liquidity events or funding access - NBFCs are vulnerable to wholesale funding market disruptions

06Interest income from retail loans (personal loans, consumer durables financing) - estimated 60-70% of revenue

07Interest income from MSME/small business loans - estimated 20-30% of revenue

08Fee-based income (processing fees, late payment charges, insurance cross-sell) - estimated 5-10% of revenue

My Notes

growth - The 28.8% revenue growth attracts growth investors seeking exposure to India's expanding consumer credit market.

High sensitivity to RBI policy rates and yield curve dynamics.

Watch on earnings: Reserve Bank of India (RBI) repo rate and monetary policy stance - directly impacts funding costs, India GDP growth rate and industrial production - drives credit demand and repayment capacity, Gross NPA and Net NPA ratios reported quarterly - early warning of asset quality stress.

Baid Finserv (BAIDFIN.NS)

Revenue Outlook

What Moves the Stock

BAIDFIN.NS Chart

My Notes

One Sentence Summary:

Explore More

Baid Finserv (BAIDFIN.NS)

Revenue Outlook

What Moves the Stock

BAIDFIN.NS Chart

My Notes

One Sentence Summary: