Baid Finserv Limited
Baid Finserv Limited Fundamental Analysis
Baid Finserv Limited (BAIDFIN.BO) shows moderate financial fundamentals with a PE ratio of 8.29, profit margin of 18.14%, and ROE of 9.43%. The company generates $0.9B in annual revenue with strong year-over-year growth of 28.85%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 58.8/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze BAIDFIN.BO's fundamental strength across five key dimensions:
Efficiency Score
WeakBAIDFIN.BO struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBAIDFIN.BO trades at attractive valuation levels.
Growth Score
ModerateBAIDFIN.BO shows steady but slowing expansion.
Financial Health Score
ModerateBAIDFIN.BO shows balanced financial health with some risks.
Profitability Score
ModerateBAIDFIN.BO maintains healthy but balanced margins.
Key Financial Metrics
Is BAIDFIN.BO Expensive or Cheap?
P/E Ratio
BAIDFIN.BO trades at 8.29 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BAIDFIN.BO's PEG of -5.76 indicates potential undervaluation.
Price to Book
The market values Baid Finserv Limited at 0.74 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -5.08 times EBITDA. This is generally considered low.
How Well Does BAIDFIN.BO Make Money?
Net Profit Margin
For every $100 in sales, Baid Finserv Limited keeps $18.14 as profit after all expenses.
Operating Margin
Core operations generate 23.53 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $9.43 in profit for every $100 of shareholder equity.
ROA
Baid Finserv Limited generates $3.49 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Baid Finserv Limited generates limited operating cash flow of $15.08M, signaling weaker underlying cash strength.
Free Cash Flow
Baid Finserv Limited generates weak or negative free cash flow of $2.19M, restricting financial flexibility.
FCF Per Share
Each share generates $0.02 in free cash annually.
FCF Yield
BAIDFIN.BO converts 0.17% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.29
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-5.76
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.74
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.44
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.43
vs 25 benchmark
Current Ratio
Current assets to current liabilities
44.75
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.09
vs 25 benchmark
ROA
Return on assets percentage
0.03
vs 25 benchmark
ROCE
Return on capital employed
0.05
vs 25 benchmark
How BAIDFIN.BO Stacks Against Its Sector Peers
| Metric | BAIDFIN.BO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.29 | 18.97 | Better (Cheaper) |
| ROE | 9.43% | 814.00% | Weak |
| Net Margin | 18.14% | 1583.00% | Weak |
| Debt/Equity | 1.43 | 1.01 | Weak (High Leverage) |
| Current Ratio | 44.75 | 657.65 | Strong Liquidity |
| ROA | 3.49% | -19347.00% (disorted) | Weak |
BAIDFIN.BO outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Baid Finserv Limited's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
35.14%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
76.77%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-95.18%
Industry Style: Value, Dividend, Cyclical
Declining