Baid Finserv Limited Q4 FY25 results deck summary

Results deck of 31 May 2025, summarised by AI from the filing.

FY25 total income ₹82.55 cr, EBITDA ₹48.21 cr, PAT ₹13.45 cr; targets AUM ₹500 cr by FY26 and ₹600 cr by FY27.

Key takeaways

1. FY25 results Total income ₹82.55 cr, EBITDA ₹48.21 cr, PAT ₹13.45 cr
2. AUM guidance Management aims for AUM of ₹500 cr by FY26 and ₹600 cr by FY27
3. Branch expansion Plans to expand to 100 branches by FY26 and 125 branches by March 2027
4. Growth driver Business in Madhya Pradesh and Gujarat thriving, disbursements increasing at 15% month-to-month
5. Risk Growing competition from finance companies and banks

Original filing on BSE

Baid Finserv Limited Q1 FY27 results

As filed: Revenue ₹21.7 cr (−10% year on year), EBITDA ₹13.6 cr (+4% year on year), PAT ₹4.3 cr (+9% year on year), EBITDA margin 62.7% (+851 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

• Q4 FY26: Revenue ₹25.0 cr (+14% year on year), EBITDA ₹9.7 cr (−26% year on year), PAT ₹1.7 cr (−59% year on year), EBITDA margin 38.6% (−1,000 bps). Score 18 of 100, Below trend. Revenue and profit growth were below the company's own trend; EBITDA growth was well below it. EBITDA margin fell 1000 bps year on year. Other income 26% of PBT. Profit fell 65% from last quarter. Share price after the results: −14.8% in 28 days (Nifty 500: +0.3%).
• Q3 FY26: Revenue ₹24.6 cr (+17% year on year), EBITDA ₹13.8 cr (+6% year on year), PAT ₹4.8 cr (−5% year on year), EBITDA margin 56.0% (−592 bps). Score 44 of 100, In line with trend. Revenue, EBITDA and profit growth were below the company's own trend. EBITDA margin fell 592 bps year on year. Profit fell 5% from last quarter. Revenue rose ₹3.6 cr on a year ago, more than the ₹3.0 cr it added the year before. Share price after the results: −6.7% in 30 days (Nifty 500: −7.5%).
• Q2 FY26: Revenue ₹24.0 cr (+20% year on year), EBITDA ₹14.0 cr (+27% year on year), PAT ₹5.0 cr (+150% year on year), EBITDA margin 58.3% (+333 bps). Score 63 of 100, In line with trend. Revenue growth was in line with the company's own trend; EBITDA and profit growth were above it. EBITDA margin rose 333 bps year on year. Share price after the results: +0.6% in 29 days (Nifty 500: −0.4%).
• Q1 FY26: Revenue ₹24.0 cr (+26% year on year), EBITDA ₹13.0 cr (+18% year on year), PAT ₹4.0 cr (+33% year on year), EBITDA margin 54.2% (−373 bps). Score 51 of 100, In line with trend. Revenue, EBITDA and profit growth were in line with the company's own trend. EBITDA margin fell 373 bps year on year. Profit lagged EBITDA because of depreciation, interest or other income, not the business. Share price after the results: −4.0% in 29 days (Nifty 500: +0.6%).
• Q4 FY25: Revenue ₹22.0 cr (+47% year on year), EBITDA ₹13.0 cr (+44% year on year), PAT ₹4.0 cr (+300% year on year), EBITDA margin 59.1% (−91 bps). Score 64 of 100, In line with trend. Revenue, EBITDA and profit growth were well above the company's own trend. EBITDA margin fell 91 bps year on year. Profit fell 20% from last quarter. Share price after the results: +22.1% in 28 days (Nifty 500: +0.2%).
• Q3 FY25: Revenue ₹21.0 cr (+17% year on year), EBITDA ₹13.0 cr (+18% year on year), PAT ₹5.0 cr (+25% year on year), EBITDA margin 61.9% (+79 bps). Score 57 of 100, In line with trend. Revenue growth was in line with the company's own trend; EBITDA and profit growth were above it. EBITDA margin rose 79 bps year on year.
• Q2 FY25: Revenue ₹20.0 cr (+33% year on year), EBITDA ₹11.0 cr (+22% year on year), PAT ₹2.0 cr (−33% year on year), EBITDA margin 55.0% (−500 bps). Score 49 of 100, In line with trend. EBITDA margin fell 500 bps year on year. Not enough history for a trend yet: scored on growth alone. Profit fell 33% from last quarter.

Past price moves after results do not indicate future moves. Not a recommendation.

Baid Finserv Limited earnings call, investor presentation and press release summaries

• Q1 FY26: Results deck (8 Sep 2025)
• Q4 FY25: Results deck (31 May 2025)