Bajaj Finance Ltd

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

Bajaj Finance Ltd

₹ 1,030 0.57%
25 Feb 10:38 a.m.
bajajfinserv.in/finance BSE: 500034 NSE: BAJFINANCE
About

Bajaj Finance is mainly engaged in the business of lending. BFL has a diversified lending portfolio across retail, SME and commercial customers with a significant presence in urban and rural India. It also accepts public and corporate deposits and offers variety of financial services products to its customers.(Source : 202003 Annual Report Page No:124)

Key Points

Amongst Largest NBFCs in India
The company is one of India’s leading and most diversified financial services companies. Since its inception, it has leveraged technology to launch 26 product lines and 51 product variants for retail, MSME, and commercial consumers, with major product innovations like the EMI card and Flexi with a significant presence in both urban and rural India. It also accepts public and corporate deposits. [1] [2]

Website BSE NSE
  • Market Cap ₹ 6,40,667 Cr.
  • Current Price ₹ 1,030
  • High / Low ₹ 1,102 / 810
  • Stock P/E 39.9
  • Book Value ₹ 150
  • Dividend Yield 0.43 %
  • ROCE 11.5 %
  • ROE 18.5 %
  • Face Value ₹ 1.00
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Pros

  • Company has delivered good profit growth of 24.8% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 18.7%
  • Company's median sales growth is 31.5% of last 10 years

Cons

  • Stock is trading at 6.82 times its book value

* 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 Non Banking Financial Company (NBFC)

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

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025
9,214 9,717 10,665 11,408 12,103 12,760 13,724 14,488 15,371 15,797 16,697 17,184 18,068
Interest 2,455 2,614 3,013 3,351 3,618 3,861 4,202 4,544 4,777 4,914 5,222 5,244 5,464
3,111 3,153 3,505 3,723 4,033 4,158 4,736 5,105 5,434 5,753 5,693 5,998 7,606
Financing Profit 3,647 3,950 4,147 4,334 4,451 4,741 4,786 4,839 5,160 5,129 5,782 5,943 4,998
Financing Margin % 40% 41% 39% 38% 37% 37% 35% 33% 34% 32% 35% 35% 28%
1 2 1 2 2 4 2 2,548 23 11 1 2 1,167
Depreciation 108 123 143 145 162 179 186 196 205 236 236 242 227
Profit before tax 3,540 3,830 4,005 4,191 4,291 4,566 4,602 7,191 4,978 4,905 5,546 5,703 5,938
Tax % 26% 26% 26% 26% 26% 26% 26% 22% 26% 20% 25% 25% 23%
2,624 2,837 2,959 3,106 3,177 3,402 3,402 5,614 3,706 3,940 4,133 4,251 4,581
EPS in Rs 4.33 4.69 4.88 5.13 5.14 5.50 5.50 9.07 5.99 6.34 6.65 6.83 7.36
Gross NPA % 1.45% 1.19% 1.09% 1.14% 1.18% 1.05% 1.06% 1.33% 1.41% 1.18% 1.28% 1.59% 1.56%
Net NPA % 0.52% 0.43% 0.39% 0.39% 0.46% 0.46% 0.47% 0.58% 0.61% 0.56% 0.63% 0.77% 0.61%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 TTM
4,042 5,392 7,298 9,966 12,639 17,386 23,823 23,537 27,872 35,684 46,939 61,949 67,746
Interest 1,592 2,274 2,959 3,853 4,649 6,037 7,990 7,550 7,678 9,424 14,003 18,657 20,844
1,362 1,752 2,353 3,248 4,067 5,189 8,763 10,325 11,236 11,928 15,249 20,776 25,050
Financing Profit 1,088 1,367 1,986 2,866 3,923 6,159 7,070 5,662 8,959 14,333 17,687 22,516 21,852
Financing Margin % 27% 25% 27% 29% 31% 35% 30% 24% 32% 40% 38% 36% 32%
32 26 35 23 10 13 9 3 -17 -7 -5 -18 1,180
Depreciation 29 36 56 71 102 137 271 302 355 444 629 822 940
Profit before tax 1,091 1,357 1,965 2,818 3,831 6,035 6,808 5,363 8,586 13,882 17,053 21,676 22,092
Tax % 34% 34% 35% 35% 35% 36% 28% 26% 26% 26% 26% 23%
719 898 1,279 1,837 2,485 3,890 4,881 3,956 6,350 10,290 12,644 16,662 16,905
EPS in Rs 1.43 1.79 2.37 3.34 4.30 6.73 8.11 6.56 10.49 17.00 20.43 26.81 27.18
Dividend Payout % 11% 10% 10% 11% 9% 9% 12% 15% 19% 18% 18% 21%
Compounded Sales Growth
10 Years: 28%
5 Years: 21%
3 Years: 31%
TTM: 20%
Compounded Profit Growth
10 Years: 32%
5 Years: 25%
3 Years: 32%
TTM: 14%
Stock Price CAGR
10 Years: 33%
5 Years: 14%
3 Years: 18%
1 Year: 21%
Return on Equity
10 Years: 19%
5 Years: 18%
3 Years: 20%
Last Year: 18%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Sep 2025
Equity Capital 50 50 54 109 115 115 120 120 121 121 124 124 622
Reserves 3,941 4,750 7,373 9,491 15,702 19,448 31,693 35,818 41,935 51,372 71,887 87,872 92,700
Borrowing 19,750 26,655 37,025 49,250 63,629 86,352 104,206 99,854 123,040 161,685 220,379 275,218 296,810
878 1,325 2,522 4,880 2,169 2,585 1,984 2,491 2,921 3,347 4,438 5,034 5,533
Total Liabilities 24,618 32,780 46,973 63,730 81,615 108,500 138,004 138,284 168,017 216,525 296,827 368,248 395,664
220 249 287 361 465 654 1,228 1,227 1,598 2,147 3,060 3,575 3,539
CWIP 0 0 0 0 0 0 0 51 33 80 43 39 33
Investments 28 332 1,034 4,075 3,653 10,370 20,139 20,169 16,372 28,738 37,153 41,716 41,772
24,370 32,198 45,652 59,295 77,497 97,475 116,636 116,836 150,014 185,560 256,571 322,917 350,319
Total Assets 24,618 32,780 46,973 63,730 81,615 108,500 138,004 138,284 168,017 216,525 296,827 368,248 395,664

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
-6,087 -7,147 -9,871 -10,440 -17,191 -15,694 -14,110 4,386 -23,856 -27,302 -52,380 -50,995
-96 -365 -686 -3,048 505 -6,638 -9,633 424 3,806 -12,400 -9,721 -1,099
6,543 6,953 11,656 12,516 16,589 22,344 24,177 -4,113 21,550 38,021 64,774 51,604
Net Cash Flow 360 -559 1,099 -972 -97 13 435 697 1,501 -1,682 2,674 -491

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
ROE % 20% 20% 21% 22% 20% 22% 19% 12% 16% 22% 20% 18%

Shareholding Pattern

Numbers in percentages

3 Recently
Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
55.91% 55.87% 55.87% 54.78% 54.69% 54.70% 54.70% 54.70% 54.73% 54.73% 54.67% 54.70%
19.16% 20.09% 20.41% 20.92% 20.55% 21.08% 20.81% 20.79% 21.45% 21.71% 21.97% 21.49%
12.92% 12.83% 13.05% 14.01% 14.33% 14.23% 15.01% 15.08% 14.78% 14.52% 14.39% 14.86%
0.07% 0.07% 0.07% 0.07% 0.07% 0.09% 0.09% 0.08% 0.08% 0.08% 0.08% 0.08%
11.75% 10.99% 10.50% 10.17% 10.19% 9.83% 9.36% 9.32% 8.84% 8.92% 8.78% 8.77%
0.17% 0.13% 0.10% 0.05% 0.16% 0.08% 0.05% 0.04% 0.10% 0.03% 0.12% 0.10%
No. of Shareholders 8,90,7067,84,8837,26,5837,45,0407,99,1998,05,2417,81,9137,91,3927,05,6108,99,7779,41,9999,61,994

* 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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