Baid Leasing & Finance Company Ltd.

BSE: 511724 SECTOR: Finance - NBFC  1075   3   0

106.45
-3.65 (-3.32%)
BSE: Today, 05:10 PM

Price Summary

Today's High

₹ 112.3

Today's Low

₹ 105.05

52 Week High

₹ 112.3

52 Week Low

₹ 0

FinStar

Ownership Below Par
Stock price may face volatility due to ownership structure.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsAverage
The company could improve upon its asset employment.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

127.81 Cr.

Advances

0 Cr.

No. of Shares

1.2 Cr.

P/E

18.2

P/B

0.91

Face Value

₹ 10

Div. Yield

0.47 %

Book Value (TTM)

₹  117.23

Operating Revenue

53.46 Cr.

Net Profit

7.48 Cr.

Promoter Holding

21.56 %

EPS (TTM)

₹  5.85

Sales Growth

7.94

ROE

8.49 %

ROCE

13%

Profit Growth

-21.67 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

Your Added Ratios

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

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Ratios

Income Growth

1 Year-14.58%
3 Year9.38%
5 Year24.04%

Profit Growth

1 Year-1.68%
3 Year9.65%
5 Year22.17%

ROE%

1 Year5.59%
3 Year11.92%
5 Year13.1%

ROCE %

1 Year11.08%
3 Year12.92%
5 Year13.59%

ROA%

2.27681896752884

PEG Ratio

NA

PAT Margin (%)

12.1549094197926

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2021 21.56 0
Jun 2021 21.56 0
Mar 2021 21.56 0
Dec 2020 21.56 0
Sep 2020 21.56 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • The company is trading at 0.651478925483188 times the book value
  • The company has delivered substantial profit growth of 0% over past 3 years.

 Limitations

  • Promoters shareholding is low at 21.56%.
  • Provision and contingencies have increased by 116.883235602447%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2020 Dec 2020 Mar 2021 Jun 2021 Sep 2021
Operating Revenue 13.93 14.46 12.48 12.18 12.31
Other Income 0.02 0.01 0.14 0.03 0.03
Interest Expended 6.25 5.53 5.58 5.56 4.94
Operating Expenses 4.17 6.77 4.42 4.45 4.46
Total Provisions 0 0 0 0 0
Depreciation 0.1 0.09 0.01 0.07 0.07
Profit Before Tax 3.43 2.08 2.6 2.13 2.87
Tax 0.86 0.52 0.87 0.54 0.72
Net Profit 2.57 1.56 1.73 1.59 2.15

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 28.5 40.85 57.98 62.59 53.46
Other Income 0.02 0.2 0.41 0.2 0.65
Interest 11.07 18.01 27.87 31.05 24.06
Operating Expenses 11 12.14 15.94 17.32 16.03
Total Provisions 0.73 2.63 1.87 4.06 3.73
Exceptional Items 0 0 0 0 0
Profit Before Tax 5.72 8.27 12.71 10.36 10.29
Tax 1.75 2.6 3 2.75 2.81
Profit After Tax 3.97 5.67 9.71 7.61 7.48
Adjusted EPS (Rs.) 3.93 5.62 9.62 6.34 6.23

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 10.1 10.1 10.1 12.01 12.01
Total Reserves 26.24 30.37 38.99 118.02 125.57
Borrowings 26.23 110.05 226.72 149.27 119.93
Other N/C liabilities 0.51 1.34 -0.03 -0.03 0
Current liabilities 95.85 118.97 57.6 61.26 58.98
Total Liabilities 158.93 270.84 333.37 340.52 316.49
Assets
Loans 0 0 0 0 0
Net Block 1.01 1.89 1.69 1.41 1.36
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 0 0 0
Investments 5.43 9.52 11.08 3.45 3.23
Other Loans 101.47 142.96 201.08 202.31 183.04
Other N/C Assets 0 0 0 0 0
Current Assets 51.02 116.48 119.53 133.35 128.86
Total Assets 158.93 270.84 333.37 340.52 316.49
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Promoters 21.56 21.56 21.56 21.56 21.56
panna lal baid - - 4.19 4.19 -
panna lall baid 4.19 4.19 - - -
aman baid 3.55 3.55 3.55 3.55 -
niranjana properti... 2.41 2.41 2.41 2.41 -
dream realmart pri... 2.57 2.57 2.57 2.57 -
aditya baid 2.31 2.31 2.31 2.31 -
alpana baid 2.19 2.19 2.19 2.19 -
rakesh baid 1.29 1.29 1.29 1.29 -
dream prime develo... 1.50 1.50 1.50 1.50 -
meena baid 0.98 0.98 0.98 0.98 -
pannalal baid & so... 0.56 0.56 0.56 0.56 -
PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Investors 78.44 78.44 78.44 78.44 78.44
niranjana prime de... 7.64 7.64 7.64 7.64 -
jaipur infragold p... 8.43 8.43 8.43 - 10.84
niranjana prime de... - - - - 10.52
pragati dreamland ... 7.82 7.82 7.82 1.57 9.29
dream finhold priv... 7.19 7.19 7.19 - 8.55
futuristic prime d... 2.63 2.63 2.63 4.83 3.12
tuberose distribut... 4.36 4.36 4.36 4.36 -
elect agencies pri... 4.36 4.36 4.36 4.36 -
tuberose distribut... - - - - -
anuvibha construct... - - - 4.16 -
arcilla developers... - - - 4.16 -
golden infratech p... - - - 4.16 -
jdl properties lim... - - - 3.75 -
bfl asset finvest ... 2.88 2.88 2.88 2.88 -
carewell builders ... 3.64 3.64 - - 3.23
carewell builders ... - - 3.64 3.64 -
mahapragya land de... 3.13 3.13 3.13 3.13 3.50
everstar land deve... - - - 2.92 -
nandan kanan barte... 2.23 2.23 2.23 2.74 -
tradeswift broking... 2.17 2.17 2.17 2.17 2.72
tradeswift develop... 2.46 2.46 2.46 2.46 2.56
mahendra kumar baid 2.12 2.12 2.12 2.12 2.53
tradswift develope... - - - - -
bfl developers ltd - - - - 2.29
ganpati holdings p... 2.24 - - - -
ganpati holdings p... - - 2.24 2.24 -
ganpati holdings ... - 2.24 - - -
nandan kanan barte... - - - - -
ganpati holdings ... - - - - 2.07
sanwaria distribut... 1.88 1.88 1.88 1.88 1.29
baid housing finan... 1.37 1.37 1.37 1.37 -

Annual Reports

Ratings & Research Reports

Company Presentations

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Baid Leasing & Fin. Stock Price Analysis and Quick Research Report. Is Baid Leasing & Fin. an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow.

Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry.

Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Baid Leasing & Fin. better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 7.6072671 Cr and the compounded growth of profit in the past 3 years is 24.2199051198062 %. The PAT margin of Baid Leasing & Fin. is 12.1549094197926 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Baid Leasing & Fin. , the EPS #if( -34.1105264252584 > 0) then "grew" else "declined";# by -34.1105264252584 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a #if( 8.49442021942893 >= 20) then "healthy" elseif( 8.49442021942893 < 20 and 8.49442021942893 >=10) then "average" else "poor";# ROE track record. The ROE of Baid Leasing & Fin. is at 8.49442021942893 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Baid Leasing & Fin. is worth at the current levels at Rs $$PRICE_Y_1$$. The stock is trading at a current P/E ratio of 11.1351368414407 and the average historical P/E for the last 5 years was 14.7925680715583.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Baid Leasing & Fin. is trading at a P/B of 0.9042 . The average historical P/B for the last 5 years was 1.91479477107355. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Baid Leasing & Fin.

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