Bajaj Finserv Ltd

Bajaj Finserv is primarily engaged in the business of promoting financial services such as finance, insurance, wealth management, etc. through its investments in subsidiaries and joint ventures. The Company is also engaged in the business of generating power through wind turbines, a renewable source of energy.

  • Market Cap: 86,248 Cr.
  • Current Price: 5,427
  • 52 weeks High / Low 10297.00 / 3985.30
  • Book Value: 1,967
  • Stock P/E: 13.35
  • Dividend Yield: 0.09 %
  • ROCE: 12.65 %
  • ROE: 21.78 %
  • Sales Growth (3Yrs): 30.41 %
  • Listed on BSE and NSE
  • Company Website
  • Face Value: 5.00
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Pros:
Company has delivered good profit growth of 20.03% CAGR over last 5 years
Cons:
Stock is trading at 2.76 times its book value
Company has low interest coverage ratio.

Peer comparison Sector: Finance // Industry: Finance & Investments

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Quarterly Results Consolidated Figures in Rs. Crores / View Standalone

Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020
Revenue 8,266 8,005 9,055 8,771 9,698 11,141 12,994 12,272 14,222 14,559 13,294 14,190
Interest 1,109 1,163 1,209 1,334 1,540 1,782 1,884 2,054 2,313 2,419 2,552 2,395
5,537 5,091 6,253 5,404 6,296 7,076 8,911 7,866 9,169 9,398 9,823 9,103
Financing Profit 1,621 1,751 1,593 2,033 1,862 2,283 2,200 2,352 2,740 2,741 919 2,691
Financing Margin % 20% 22% 18% 23% 19% 20% 17% 19% 19% 19% 7% 19%
Other Income 0 0 1 1 0 1 1 1 2 2 1 2
Depreciation 37 42 48 43 52 60 71 97 116 116 127 125
Profit before tax 1,584 1,710 1,546 1,990 1,810 2,224 2,130 2,255 2,626 2,627 793 2,568
Tax % 32% 32% 32% 33% 34% 36% 33% 36% 23% 25% 32% 25%
Net Profit 698 730 637 826 704 851 839 845 1,204 1,126 194 1,215
EPS in Rs 43.90 45.90 40.00 51.90 44.20 53.40 52.70 53.10 75.60 70.70 12.20 76.40
Gross NPA % 1.61%
Net NPA % 0.65%
Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes Notes

Profit & Loss Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 TTM
Revenue 378 982 2,415 2,715 8,055 6,023 11,335 20,533 24,507 32,862 42,605 54,351 56,265
Interest 0 0 301 744 1,204 1,562 2,230 2,877 3,716 4,531 6,657 9,500 9,680
215 171 615 920 4,124 1,531 5,819 13,795 15,794 22,074 27,569 36,094 37,493
Financing Profit 163 811 1,499 1,050 2,728 2,930 3,286 3,862 4,997 6,257 8,379 8,758 9,092
Financing Margin % 43% 83% 62% 39% 34% 49% 29% 19% 20% 19% 20% 16% 16%
Other Income 7 3 168 1,190 2 3 3 0 0 1 2 1 8
Depreciation 30 22 19 14 22 31 38 58 73 160 226 457 485
Profit before tax 140 792 1,649 2,226 2,708 2,902 3,251 3,804 4,925 6,099 8,155 8,302 8,614
Tax % 55% 12% 11% 15% 18% 24% 26% 27% 30% 32% 34% 28%
Net Profit 71 559 1,115 1,338 1,574 1,544 1,690 1,863 2,262 2,650 3,219 3,369 3,739
EPS in Rs 4.33 34.97 70.03 84.03 98.90 97.05 106.20 117.08 142.13 166.54 202.28 211.71 234.90
Dividend Payout % 20% 3% 2% 2% 2% 2% 2% 1% 1% 1% 1% 2%
* Sales is net of excise duty and discounts
Compounded Sales Growth
10 Years:49.39%
5 Years:36.82%
3 Years:30.41%
TTM:22.04%
Compounded Profit Growth
10 Years:23.41%
5 Years:20.03%
3 Years:20.22%
TTM:17.49%
Stock Price CAGR
10 Years:26.32%
5 Years:25.48%
3 Years:2.02%
1 Year:-34.26%
Return on Equity
10 Years:25.01%
5 Years:23.02%
3 Years:22.93%
Last Year:21.78%

Balance Sheet Consolidated Figures in Rs. Crores / View Standalone

Corp Actions
Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
72 72 72 72 80 80 80 80 80 80 80 80
Reserves 2,518 2,553 3,652 5,027 7,724 9,232 10,885 13,312 15,736 20,403 23,660 31,222
Borrowings 2,111 311 6,693 10,201 12,991 19,507 26,312 36,062 48,282 65,695 99,754 126,606
17,833 36,447 43,599 44,154 44,576 45,565 50,952 54,498 64,516 75,337 84,934 93,397
Total Liabilities 22,535 39,383 54,017 59,454 65,370 74,383 88,228 103,951 128,614 161,514 208,428 251,304
14,314 28,782 580 818 1,208 1,262 1,261 1,274 1,645 1,792 2,097 3,216
CWIP 119 55 14 18 2 1 3 11 4 28 66 45
Investments 6,595 8,940 43,127 43,506 43,251 45,314 51,367 53,698 62,658 69,428 81,679 91,821
1,506 1,606 10,296 15,113 20,910 27,805 35,598 48,969 64,306 90,266 124,587 156,223
Total Assets 22,535 39,383 54,017 59,454 65,370 74,383 88,228 103,951 128,614 161,514 208,428 251,304

Cash Flows Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
6,964 6,621 239 -3,849 -6,922 -9,807 -10,731 -9,795 -10,922 -19,580 -27,076 -23,369
-7,052 -6,843 -3,011 -887 2,953 3,764 3,709 -886 151 -922 -6,903 -9,948
-15 2 3,289 3,803 4,592 6,521 6,839 11,602 12,513 19,590 34,535 34,479
Net Cash Flow -103 -221 518 -933 623 478 -183 921 1,742 -911 555 1,162

Ratios Consolidated Figures in Rs. Crores / View Standalone

Mar 2009 Mar 2010 Mar 2011 Mar 2012 Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
ROE % 3% 28% 43% 43% 34% 26% 24% 23% 24% 23% 24% 22%

Shareholding pattern in percentages

Sep 2017 Dec 2017 Mar 2018 Jun 2018 Sep 2018 Dec 2018 Mar 2019 Jun 2019 Sep 2019 Dec 2019 Mar 2020 Jun 2020
58.35 58.35 58.35 58.35 58.35 58.35 58.37 60.71 60.71 60.71 60.80 60.80
8.22 7.89 7.82 7.47 7.37 7.85 8.30 8.90 8.46 8.70 8.62 7.98
6.40 6.88 7.03 7.29 7.25 6.74 6.50 6.25 6.74 6.63 6.24 6.35
27.03 26.88 26.80 26.89 27.01 27.04 26.81 24.11 23.96 23.84 24.15 24.68
0.00 0.00 0.00 0.00 0.02 0.03 0.03 0.03 0.13 0.13 0.19 0.19