Baid Finserv Q1 FY27 Results: Revenue Falls 9% to Rs 21 Crore, PAT Grows 8% to Rs 4 Crore

Baid Finserv Q1 FY27 results showed the standalone NBFC posting revenue of Rs 21 crore, down 8.98% from Rs 23 crore in Q1 FY26. Despite the revenue decline, gross profit held at Rs 13 crore and PAT grew 8.17% to Rs 4 crore, demonstrating the resilience of the company's specialty lending model.

The Baid Finserv Q1 FY27 results showed an effective gross margin improvement from 56.5% (Rs 13 Cr on Rs 23 Cr) to 61.9% (Rs 13 Cr on Rs 21 Cr) on lower revenue, indicating better interest income quality or lower funding costs in the NBFC's lending operations.

Click Here – Get Free Investment Predictions

Baid Finserv Q1 FY27 Financial Highlights

Metric	Q1 FY27 (Rs Crore)	Q1 FY26 (Rs Crore)	YoY Change
Revenue	21.00	23.00	-8.98%
Gross Profit	13.00	13.00	+0.82%
Net Profit / PAT	4.00	4.00	+8.17%

Baid Finserv Q1 FY27 Performance Analysis

Use the Univest Screener to track Baid Finserv live financials and Q1 FY27 results

Baid Finserv Q1 FY27 results show a high-quality NBFC delivering profit growth despite revenue decline. Gross profit stable at Rs 13 crore on lower revenue means margin improved — the hallmark of improving credit quality or funding efficiency.

The 62% gross margin in Baid Finserv Q1 FY27 results is excellent for the financial services sector, consistent with specialty lending in MSME, microfinance, or equipment finance where interest spreads are significantly better than conventional banking.

PAT growing 8.17% to Rs 4 crore in Q1 FY27 despite lower revenue confirms effective operating cost management, with the stable gross profit converting efficiently to the bottom line.

Revenue recovery to Rs 23 crore would provide further PAT upside through the same high-margin model, with minimal incremental costs needed to service additional lending income.

Key Business Factors in Q1 FY27

High-Margin NBFC

Baid Finserv's 62% gross margin in Q1 FY27 results points to specialty lending with better interest spreads than commodity financial products.

Resilient Lending Portfolio

Gross profit stable at Rs 13 crore on lower revenue indicates loan portfolio quality improvement — lower NPAs or better loan pricing.

Cost Efficiency

PAT growing on declining revenue confirms effective expense management that allows the stable gross profit to convert efficiently to net profit.

Dividend Details

Baid Finserv has not declared a dividend for Q1 FY27. The company may consider dividend distributions at the annual board meeting based on full-year performance.

FY27 Outlook

The FY27 outlook is stable to positive. Revenue recovery to Rs 23 crore with maintained high gross margins could drive meaningful PAT improvement from Q1 FY27 results.

Monitoring NPA levels, loan book growth, and RBI regulatory compliance are essential for investors in Baid Finserv.

Baid Finserv Stock Performance

Download the Univest iOS App or Univest Android App to track Baid Finserv share price live and stay updated on quarterly results.

Baid Finserv shares traded at Rs 9.99 on August 13, 2026, up 0.30%. The penny-stock price reflects market skepticism typical of small NBFCs despite the strong earnings profile.

Key Risks

Credit and NPA Risk

NBFC profitability depends on asset quality. Any NPA spike would require higher provisioning, reducing PAT.

Revenue Concentration

Revenue declining 9% in Q1 FY27 needs to reverse for long-term PAT growth. Sustained loan book contraction would eventually pressure earnings.

RBI Regulatory Compliance

NBFCs face evolving regulatory requirements. Any compliance issues could impact operations.

Conclusion

Baid Finserv Q1 FY27 results show a resilient NBFC with PAT growing 8% despite revenue declining 9%, driven by stable Rs 13 crore gross profit at 62% margins. The results confirm high-quality specialty lending economics.

Investors should assess NPA levels and regulatory standing. Consult a SEBI-registered advisor.

Frequently Asked Questions on Baid Finserv Q1 FY27 Results

When were Baid Finserv Q1 FY27 results announced?

Ans. August 13, 2026, covering April to June 2026 on standalone basis.

What was Baid Finserv's revenue in Q1 FY27?

Ans. Rs 21 crore, down 8.98% from Rs 23 crore in Q1 FY26.

What was Baid Finserv's PAT in Q1 FY27?

Ans. Rs 4 crore, up 8.17% from Rs 4 crore in Q1 FY26.

How did Baid Finserv grow PAT despite lower revenue in Q1 FY27?

Ans. Gross profit held at Rs 13 crore on lower revenue (improving gross margin to 62%), and below-gross-profit cost management allowed PAT to grow 8%.

Did Baid Finserv declare a dividend for Q1 FY27?

Ans. No dividend was declared for Q1 FY27.

What is the outlook for Baid Finserv?

Ans. Stable to positive. Revenue recovery while maintaining high gross margins could drive PAT improvement. Monitor NPA levels.

Is Baid Finserv a good investment?

Ans. Strong margins but small NBFC. Assess credit quality. Consult a SEBI-registered advisor.