Bajaj Finserv Ltd

Bajaj Finserv Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Bajaj Finserv Ltd

₹ 1,818 -0.34%
08 May - close price
bajajfinserv.in BSE: 532978 NSE: BAJAJFINSV
About

Bajaj Finserv Ltd. is the holding company for the various financial services businesses under the Bajaj group. It serves millions of customers by providing solutions for asset acquisition through financing, asset protection through general insurance, family and income protection in the form of life and health insurance, and retirement and savings solutions.[1]

Key Points

Revenue Split
Life Insurance: 25% in FY22 vs 55% in FY18
General Insurance: 28% in FY22 vs 0% in FY18
Retail Financing: 45% in FY22 vs 43% in FY18
Investment:1% in FY22 vs 2% in FY18. [1] [2] [3]

Website BSE NSE
  • Market Cap ₹ 2,91,028 Cr.
  • Current Price ₹ 1,818
  • High / Low ₹ 2,195 / 1,597
  • Stock P/E 29.3
  • Book Value ₹ 487
  • Dividend Yield 0.05 %
  • ROCE 10.5 %
  • ROE 13.2 %
  • Face Value ₹ 1.00
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Pros

  • Company's median sales growth is 20.6% of last 10 years

Cons

  • Stock is trading at 3.74 times its book value
  • Company has low interest coverage ratio.
  • Company has a low return on equity of 13.8% over last 3 years.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Financial Services Financial Services Finance Holding Company

Part of BSE Sensex Nifty 50 BSE 500 BSE 100 BSE 200

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Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026
23,625 23,280 26,023 29,038 32,041 31,480 33,704 32,042 36,595 35,439 37,403 39,708 38,494
15,470 13,935 16,073 18,601 21,108 19,655 21,420 19,669 23,868 21,124 23,352 25,842 23,983
Operating Profit 8,154 9,345 9,950 10,438 10,933 11,825 12,283 12,373 12,728 14,315 14,050 13,866 14,511
OPM % 35% 40% 38% 36% 34% 38% 36% 39% 35% 40% 38% 35% 38%
2 3 0 2 4 3 3 3 10 13 3 -378 25
Interest 3,436 4,020 4,449 4,777 5,154 5,592 6,046 6,276 6,396 6,807 6,901 7,232 7,291
Depreciation 181 202 209 232 257 267 275 288 339 317 327 330 317
Profit before tax 4,540 5,125 5,292 5,431 5,527 5,968 5,966 5,812 6,002 7,204 6,825 5,926 6,928
Tax % 27% 28% 29% 26% 26% 29% 30% 24% 21% 26% 30% 26% 25%
3,335 3,709 3,756 4,045 4,085 4,209 4,180 4,412 4,756 5,329 4,746 4,368 5,226
EPS in Rs 11.11 12.20 12.09 13.52 13.28 13.39 13.07 13.97 15.14 17.46 14.04 13.95 15.86
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Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
11,335 20,533 24,507 32,862 42,605 54,351 60,592 68,406 82,072 110,382 133,822 150,504
5,823 13,795 15,794 22,074 27,569 36,094 40,950 46,951 52,204 69,497 84,298 93,761
Operating Profit 5,511 6,739 8,713 10,788 15,037 18,258 19,641 21,455 29,868 40,886 49,524 56,743
OPM % 49% 33% 36% 33% 35% 34% 32% 31% 36% 37% 37% 38%
8 0 0 1 2 0 -7 8 1 -4 -18 -336
Interest 2,230 2,877 3,716 4,531 6,657 9,500 9,274 9,629 12,380 18,607 24,587 28,232
Depreciation 38 58 73 160 226 457 498 563 678 900 1,170 1,291
Profit before tax 3,251 3,804 4,925 6,099 8,155 8,302 9,862 11,271 16,811 21,375 23,748 26,883
Tax % 26% 27% 30% 32% 34% 28% 25% 26% 27% 27% 26% 27%
2,409 2,775 3,450 4,176 5,374 5,994 7,367 8,314 12,210 15,595 17,558 19,669
EPS in Rs 10.62 11.71 14.21 16.65 20.23 21.17 28.09 28.63 40.29 51.07 55.57 61.24
Dividend Payout % 2% 1% 1% 1% 1% 2% 1% 1% 2% 2% 2% 2%
Compounded Sales Growth
10 Years: 22%
5 Years: 20%
3 Years: 22%
TTM: 12%
Compounded Profit Growth
10 Years: 18%
5 Years: 17%
3 Years: 16%
TTM: 12%
Stock Price CAGR
10 Years: 26%
5 Years: 10%
3 Years: 9%
1 Year: -8%
Return on Equity
10 Years: 14%
5 Years: 14%
3 Years: 14%
Last Year: 13%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Equity Capital 80 80 80 80 80 80 80 80 159 159 160 160
Reserves 11,009 13,519 16,071 20,403 23,660 31,222 35,750 40,167 46,248 60,169 72,236 77,755
26,312 36,062 48,282 65,695 99,754 127,212 128,461 161,179 212,265 288,933 355,855 429,914
50,827 54,290 64,181 75,337 84,934 92,791 115,554 131,987 146,729 188,154 223,269 250,669
Total Liabilities 88,228 103,951 128,614 161,514 208,428 251,304 279,845 333,413 405,401 537,415 651,519 758,498
1,261 1,274 1,645 1,792 2,097 3,216 3,182 3,586 4,336 5,455 6,297 6,800
CWIP 3 11 4 28 66 45 129 113 191 220 314 250
Investments 51,367 53,698 62,658 69,428 81,679 91,821 113,654 119,222 136,176 170,127 190,130 194,414
35,598 48,969 64,306 90,266 124,587 156,223 162,879 210,493 264,698 361,613 454,778 557,034
Total Assets 88,228 103,951 128,614 161,514 208,428 251,304 279,845 333,413 405,401 537,415 651,519 758,498

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-10,731 -9,795 -10,922 -19,580 -27,076 -23,369 4,547 -33,670 -39,480 -65,502 -62,113
3,709 -886 151 -922 -6,903 -9,948 -3,684 1,445 -13,945 -14,132 -7,987
6,839 11,602 12,513 19,590 34,535 34,479 1,687 32,326 51,016 82,709 70,191
Net Cash Flow -183 921 1,742 -911 555 1,162 2,551 101 -2,409 3,075 92
Free Cash Flow -10,731 -9,795 -10,922 -19,883 -27,646 -24,239 4,096 -34,420 -40,603 -66,811 -63,829
CFO/OP -195% -145% -125% -162% -161% -113% 34% -142% -117% -146% -111%

Ratios

Consolidated Figures in Rs. Crores / View Standalone

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Debtor Days 17 12 19 19 19 18 17 16 15 20 23 23
Inventory Days
Days Payable
Cash Conversion Cycle 17 12 19 19 19 18 17 16 15 20 23 23
Working Capital Days -741 -341 -301 -750 -644 -417 -490 -493 -444 -406 -374 -351
ROCE % 15% 14% 14% 13% 13% 11% 10% 10% 11% 12% 11% 11%

Insights

In beta
Mar 2013 Mar 2014 Mar 2015 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
Bajaj Finance Limited (Consolidated) - Assets Under Management (AUM)
₹ Crore

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Bajaj General Insurance Limited - Gross Written Premium (GWP)
₹ Crore ・Standalone data
Bajaj Life Insurance Limited - Retail Weighted Received Premium (RWRP)
₹ Crore ・Standalone data
Bajaj General - Combined Ratio (CoR)
% ・Standalone data
Bajaj Finance - Customer Franchise
Million
Bajaj Life - Value of New Business (VNB)
₹ Crore ・Standalone data
Bajaj Housing Finance Ltd - Assets Under Management (AUM)
₹ Crore

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Shareholding Pattern

Numbers in percentages

3 Recently
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
60.79% 60.69% 60.69% 60.69% 60.64% 60.64% 60.64% 60.64% 58.81% 58.81% 58.81% 58.72%
7.17% 7.66% 7.91% 8.42% 8.39% 8.24% 7.40% 7.53% 8.40% 8.11% 8.06% 7.23%
7.30% 7.09% 7.48% 7.33% 7.60% 8.13% 8.91% 8.99% 10.09% 10.49% 10.74% 11.76%
24.66% 24.31% 23.70% 23.38% 23.18% 22.84% 22.93% 22.71% 22.60% 22.52% 22.37% 22.16%
0.10% 0.25% 0.21% 0.18% 0.19% 0.14% 0.12% 0.10% 0.10% 0.07% 0.02% 0.13%
No. of Shareholders 6,91,2346,60,2955,85,2205,67,0417,08,4328,07,3607,77,6807,08,8456,83,2796,39,6246,17,0716,01,457

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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