₹10.28
+0.88% today
· 30d +0.98%
as of 2026-11-09
Price · Daily Candles
“BAIDFIN's Profit Halves as Financial Metrics Decline; Price Slips from 52-Week High.”
BAIDFIN, a Credit Services provider, is trading at a TTM PE of 7.48, and 0.68x P/B, signaling a potentially cheap valuation. However, quarterly net profit plummeted 54.46% YoY to ₹2.0 Cr, despite annual revenue growing 18.64% to ₹97.0 Cr, indicating pressure on profitability.
BULL CASE
+Annual revenue witnessed an 18.64% YoY growth to ₹97.0 Cr as of March 2026.
+The stock is trading at a relatively low TTM PE of 7.48 and a PB of 0.68, suggesting it is 'CHEAP' with a valuation score of 90.
+Annual net profit grew by 11.37% YoY to ₹15.0 Cr.
+Profitability is rated 'HIGH' with a score of 90 and a profit margin of 26.01%.
BEAR CASE
−Quarterly net profit saw a significant decrease of 54.46% YoY to ₹2.0 Cr as of March 2026.
−Operating profit for the quarter declined by 23.11% YoY, accompanied by a 20.08% drop in OPM.
−The stock is down 27.38% from its 52-week high of ₹14.1, with a 3-month return of -10.96%.
−ML predictions for FCF indicate 'weak' growth, with rankings of 0.177 for recent 2-year and 0.185 for stable 7-year periods.
−Technical indicators MACD and RSI(14) are strongly and moderately 'bearish' respectively.
⟳ What Changed
₹ Latest Earnings · Q ending 2026-09-30
REVENUE
₹20 Cr
-15.45% YoY
NET PROFIT
₹5 Cr
+14.23% YoY
OPM
69.9%
+10.4pp YoY
EPS
₹0.33
PE 7.48
Intrinsic value · DCF: N/A — Company is currently free-cash-flow negative (-21.8% of mktcap). DCF assumes a going concern generating positive cash flow; a meaningful intrinsic value can only be computed once FCF turns positive. Use the Strategy Fit and ML sections instead.
◇ Sector Position
BAIDFIN's TTM PE of 7.48 and ROCE (not provided, but PE relative to peers) is lower than sector peers like MUTHOOTFIN (PE 25.08, ROCE 6.92%) and BAJFINANCE (PE 30.41, ROCE 5.38%), indicating a contrasting valuation landscape within the Credit Services sector.
PEERPEROCE %
BAIDFIN7.48—
+ 2 more peers — sign in to view
ML Forward Growth Predictions 🔒
66
SCORE / 100
Overall
6-axis composite of the sections below.
Performance
POSITIVE
55
Valuation
CHEAP
90
Growth
STEADY
63
Profitability
HIGH
100
Technicals
NEUTRAL
55
Risk
ELEVATED
30
Key Stats
TTM PE
7.48
P/B
0.68
52W HIGH
₹12.98
OFF HIGH
-20.8%
DIV YIELD
0.96%
MKT CAP
₹159 Cr
◉ Active Signals
MACDNeutral0.0747
RSI(14)Neutral54.09
⧉ Strategy Fit 🔒