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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Baid FinservNSE:BAIDFIN -0.20%78 5-Year Yield-on-Cost % is 1.00 as of Jul. 26, 2026, which is 56% above its 10-year median of 0.64. GuruFocus rates NSE:BAIDFIN with a GF Score™ of 78/100 and a GF Value™ of ₹21.03 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 212 Credit Services companies, Baid Finserv ranks worse than 79.72% on this metric.
Baid Finserv's yield on cost for the quarter that ended in Mar. 2026 was 1.00.
The historical rank and industry rank for Baid Finserv's 5-Year Yield-on-Cost % or its related term are showing as below:
NSE:BAIDFIN'
s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0.2 Med: 0.64 Max: 4.65
Current: 1
During the past 13 years, Baid Finserv's highest Yield on Cost was 4.65. The lowest was 0.20. And the median was 0.64.
NSE:BAIDFIN's 5-Year Yield-on-Cost % is ranked worse than 79.72% of 212
companies
in the Credit Services industry
Industry Median: 4.505
vs NSE:BAIDFIN: 1.00
Of course the risk here is that the company may not raise its dividends as it did before. The key is to select the companies that can consistently raise its dividends. Usually companies with long history of raising dividends tend to do so.
Baid Finserv 5-Year Yield-on-Cost % Related Terms
NSE:BAIDFIN vs V, MA, AXP: 5-Year Yield-on-Cost % Comparison
For the Credit Services subindustry, Baid Finserv's 5-Year Yield-on-Cost %, along with its competitors' market caps and 5-Year Yield-on-Cost % 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 5-Year Yield-on-Cost % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Baid Finserv's 5-Year Yield-on-Cost % distribution charts can be found below:
* The bar in red indicates where Baid Finserv's 5-Year Yield-on-Cost % falls into.
Dividend Yield % and dividend growth of a stock is an important factor for income investors. But if company A raises its dividend constantly faster than company B, company A's future dividend yield might be much higher than Company B's even if their yields are the same now and their stock prices do not change.
Yield on Cost assumes that you buy and the stock today, and hold it for 5 years. If the company raises it dividends at the same rate as it did over the past 5 years, the dividends investors receive annually in 5 years relative to the stock price today.
Therefore, Yield-on-Cost of Baid Finserv is calculated as
Baid Finserv (NSE:BAIDFIN) has a 5-Year Yield-on-Cost % of 1.00 as of Jul. 26, 2026. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Baid Finserv and its competitors. This is 56% above median its historical median of 0.64. Over the past decade, Baid Finserv's 5-Year Yield-on-Cost % has ranged from 0.20 to 4.65. According to the industry distribution chart, Baid Finserv ranks #169 out of 212 companies in the Credit Services industry, placing it in the top 79.7%.
Is Baid Finserv's 5-Year Yield-on-Cost % too high?
Baid Finserv's current 5-Year Yield-on-Cost % of 1.00 is 56% above median its 10-year median of 0.64. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 4.65. The Credit Services industry median 5-Year Yield-on-Cost % is 4.51. Baid Finserv's value of 1.00 is 77.8% below this industry median. Based on the distribution chart, Baid Finserv ranks #169 out of 212 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Baid Finserv has a GF Score™ of 78/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Baid Finserv's 5-Year Yield-on-Cost % compare to V and MA?
According to the Credit Services industry distribution chart, Baid Finserv ranks #169 out of 212 companies for 5-Year Yield-on-Cost %. This places Baid Finserv in the lower half of its industry. The industry median 5-Year Yield-on-Cost % is 4.51. Baid Finserv's value of 1.00 is 77.8% below this benchmark. Historically, Baid Finserv's own 5-Year Yield-on-Cost % has ranged from 0.20 to 4.65 over the past decade. While the company's 10-year median is 0.64 vs. the industry median of 4.51, 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 5-Year Yield-on-Cost % for a Credit Services company?
The median 5-Year Yield-on-Cost % among Credit Services companies is 4.51, based on 212 companies in the industry. Companies in the top quartile (top 25%) have a 5-Year Yield-on-Cost % significantly above this median, while those in the bottom quartile fall well below. However, 5-Year Yield-on-Cost % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Baid Finserv's current 5-Year Yield-on-Cost % of 1.00 is 77.8% 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 5-Year Yield-on-Cost % mean?
A high 5-Year Yield-on-Cost % can signal that a stock is expensive relative to its fundamentals. 5-Year Yield on Cost measures the expected yield based on a company's current yield and 5-year dividend growth. View historical data on Baid Finserv and its competitors. For the Credit Services industry, the median 5-Year Yield-on-Cost % is 4.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Baid Finserv's current 5-Year Yield-on-Cost % is 1.00, which is 56% above median its own 10-year median of 0.64. 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 ₹21.03, compared to a current price of ₹9.86 — trading 53.1% below its estimated fair value. The current 5-Year Yield-on-Cost % is 1.00, which is 56% above median its 10-year median of 0.64 and 77.8% below the Credit Services industry median of 4.51. Baid Finserv's overall GF Score™ is 78/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 5-Year Yield-on-Cost % calculated?
5-Year Yield-on-Cost % is calculated from a company's financial statements. For Baid Finserv (NSE:BAIDFIN), the current 5-Year Yield-on-Cost % is 1.00 as of Jul. 26, 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 ₹9.86 is trading 53.1% below its estimated GF Value™ of ₹21.03.
GuruFocus considers Baid Finserv to be Possible Value Trap.
Key valuation signals for NSE:BAIDFIN:
5-Year Yield-on-Cost %: 1.00 (56% above median its 10-year median of 0.64)
GF Value™: ₹21.03 vs. price of ₹9.86 (53.1% below fair value)
Industry Position: 77.8% below the Credit Services median (#169 of 212)
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.
78GF Score
Get the complete analysis for NSE:BAIDFIN
5-Year Yield-on-Cost % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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