Baid Finserv Q2 FY25 Share Price & Earnings Call Analysis

Financials of Baid Finserv

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Baid Finserv

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue +15.1818.2415.0117.5115.1518.8919.6521.3422.1223.7823.8424.6325.01
Interest4.035.295.515.716.547.097.657.267.347.997.998.187.81
Expenses +7.445.416.205.146.408.049.167.609.5510.319.7110.8415.35
Financing Profit3.717.543.306.662.213.762.846.485.235.486.145.611.85
Financing Margin %24.44%41.34%21.99%38.04%14.59%19.90%14.45%30.37%23.64%23.04%25.76%22.78%7.40%
Other Income +-0.060.070.250.070.050.470.060.010.020.130.141.100.56
Depreciation0.060.120.131.670.220.080.290.170.190.240.200.250.24
Profit before tax3.597.493.425.062.044.152.616.325.065.376.086.462.17
Tax %25.63%25.23%25.15%28.66%46.57%24.58%25.29%25.16%27.87%25.14%25.16%26.47%23.50%
Net Profit +2.675.612.563.611.083.121.964.733.644.024.554.751.66
EPS in Rs0.180.370.170.240.070.210.130.320.240.270.300.320.11
Gross NPA %
Net NPA %

Financials of Baid Finserv

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue +81828415863545056668297
Interest3611182831242018232932
Expenses +3812151721191824253446
Financing Profit24681311101214181919
Financing Margin %23%23%21%21%22%17%19%25%26%28%23%20%
Other Income +000000000002
Depreciation000000000011
Profit before tax24681310101214181820
Tax %34%32%31%31%24%27%27%28%26%29%26%25%
Net Profit +13461087910131315
EPS in Rs0.160.360.320.450.770.510.500.590.690.860.900.97
Dividend Payout %0%0%13%18%10%0%8%7%12%9%9%0%

Financials of Baid Finserv

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital6610101012121224242431
Reserves811263039118126134131143155202
Borrowing3665103195269189164160171242255285
Other Liabilities +152419361522151215172021
Total Liabilities64105159271333341316318341426454539
Fixed Assets +111221111456
CWIP000000000000
Investments2351011339651016
Other Assets +61101153260321336312308333417439517
Total Assets64105159271333341316318341426454539

Financials of Baid Finserv

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-10-18-37-45-444050346-222-33
Cash from Investing Activity +-2-2-2-5-2-20-63-2-6-8
Cash from Financing Activity +1219405145-38-49-24-847-1737
Net Cash Flow0002-0-124024-21-4
Free Cash Flow-11-18-37-46-444050345-250-35
CFO/OP-189%-183%-220%-169%-108%103%154%117%29%-40%14%-55%

Financials of Baid Finserv

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
ROE %9%18%15%15%22%8%6%6%7%8%8%7%