Baid FinservNSE:BAIDFIN -1.81%81 ROE % is 2.85% as of Mar. 2026, which is 64% below its 10-year median of 7.91. GuruFocus rates NSE:BAIDFIN with a GF Score™ of 81/100 and a GF Value™ of ₹20.78 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 529 Credit Services companies, Baid Finserv ranks better than 53.5% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Baid Finserv's annualized net income for the quarter that ended in Mar. 2026 was ₹66.3 Mil. Baid Finserv's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ₹2,327.9 Mil. Therefore, Baid Finserv's annualized ROE % for the quarter that ended in Mar. 2026 was 2.85%.
The historical rank and industry rank for Baid Finserv's ROE % or its related term are showing as below:
NSE:BAIDFIN'
s ROE % Range Over the Past 10 Years
Min: 5.59 Med: 7.91 Max: 21.11
Current: 7.45
During the past 13 years, Baid Finserv's highest ROE % was 21.11%. The lowest was 5.59%. And the median was 7.91%.
NSE:BAIDFIN's ROE % is ranked better than 53.5% of 529
companies
in the Credit Services industry
Industry Median: 6.61
vs NSE:BAIDFIN: 7.45
Baid Finserv (NSE:BAIDFIN) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Baid Finserv ROE % Related Terms
Baid Finserv ROE % Historical Data
* Premium members only.
The historical data trend for Baid Finserv's ROE % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Credit Services subindustry, Baid Finserv's ROE %, along with its competitors' market caps and ROE % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Baid Finserv ROE % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Baid Finserv's ROE % distribution charts can be found below:
* The bar in red indicates where Baid Finserv's ROE % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Baid Finserv (NSE:BAIDFIN) has a ROE % of 2.85% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Baid Finserv and its competitors. This is 64% below median its historical median of 7.91. Over the past decade, Baid Finserv's ROE % has ranged from 5.59 to 21.11. According to the industry distribution chart, Baid Finserv ranks #246 out of 529 companies in the Credit Services industry, placing it in the top 46.5%.
Is Baid Finserv's ROE % too high?
Baid Finserv's current ROE % of 2.85% is 64% below median its 10-year median of 7.91. Over the past 10 years, this metric has ranged from a low of 5.59 to a high of 21.11. The Credit Services industry median ROE % is 6.61. Baid Finserv's value of 2.85% is 56.9% below this industry median. Based on the distribution chart, Baid Finserv ranks #246 out of 529 companies in the Credit Services industry, which is above the industry midpoint. Overall, Baid Finserv has a GF Score™ of 81/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Baid Finserv's ROE % compare to V and MA?
According to the Credit Services industry distribution chart, Baid Finserv ranks #246 out of 529 companies for ROE %. This puts Baid Finserv in the upper half of its industry. The industry median ROE % is 6.61. Baid Finserv's value of 2.85% is 56.9% below this benchmark. Historically, Baid Finserv's own ROE % has ranged from 5.59 to 21.11 over the past decade. While the company's 10-year median is 7.91 vs. the industry median of 6.61, Baid Finserv has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for a Credit Services company?
The median ROE % among Credit Services companies is 6.61, based on 529 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Baid Finserv's current ROE % of 2.85% is 56.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Baid Finserv and its competitors. For the Credit Services industry, the median ROE % is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Baid Finserv's current ROE % is 2.85%, which is 64% below median its own 10-year median of 7.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Baid Finserv stock overvalued right now?
Based on GuruFocus' analysis, Baid Finserv (NSE:BAIDFIN) is currently considered Possible Value Trap. The stock's GF Value™ is ₹20.78, compared to a current price of ₹9.78 — trading 52.9% below its estimated fair value. The current ROE % is 2.85%, which is 64% below median its 10-year median of 7.91 and 56.9% below the Credit Services industry median of 6.61. Baid Finserv's overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Baid Finserv (NSE:BAIDFIN), the current ROE % is 2.85% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Baid Finserv (NSE:BAIDFIN) Overvalued in 2026?
Based on GuruFocus' analysis, Baid Finserv stock appears to be undervalued.
The current stock price of ₹9.78 is trading 52.9% below its estimated GF Value™ of ₹20.78.
GuruFocus considers Baid Finserv to be Possible Value Trap.
Key valuation signals for NSE:BAIDFIN:
ROE %: 2.85% (64% below median its 10-year median of 7.91)
GF Value™: ₹20.78 vs. price of ₹9.78 (52.9% below fair value)
Industry Position: 56.9% below the Credit Services median (#246 of 529)
No single metric tells the full story. See the NSE:BAIDFIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Baid Finserv Ltd is a non-banking financial company engaged in vehicle financing, loan against property, and SME lending, hire purchase services, leasing, securities investments, and trading negotiable instruments. The Company operates in a single reporting segment, which is financing. It also provides mortgage loans and top-up loans. The company mainly operates in India.
81GF Score
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