Bajaj Finance Ltd

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

₹ 939 0.02%
30 Oct - close price
bajajfinserv.in/finance BSE: 500034 NSE: BAJFINANCE F&O
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

Business Overview:[1]
The company is India's largest private-sector Non-Banking Financial Company (NBFC), catering to both individual and business customers through a portfolio of financial products and services. Its offerings span loans, fixed deposits, payments, insurance, and mutual funds through its mobile app, website, and social media, and through its branch network.

Website BSE NSE F&O
  • Market Cap ₹ 5,84,679 Cr.
  • Current Price ₹ 939
  • High / Low ₹ 1,178 / 788
  • Stock P/E 30.0
  • Book Value ₹ 178
  • Dividend Yield 0.58 %
  • ROCE 11.2 %
  • ROE 17.1 %
  • Face Value ₹ 1.00
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Pros

  • Company has been maintaining a healthy dividend payout of 19.8%
  • Company's median sales growth is 29.1% of last 10 years

Cons

  • Stock is trading at 5.27 times its book value
  • Company might be capitalizing the interest cost

* 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

Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024 Dec 2024 Mar 2025 Jun 2025 Sep 2025 Dec 2025 Mar 2026 Jun 2026 Sep 2026
11,408 12,103 12,760 13,724 14,488 15,371 15,638 16,697 17,003 17,870 18,430 19,802 20,891
Interest 3,351 3,618 3,861 4,202 4,544 4,777 4,913 5,222 5,243 5,464 5,487 5,874 6,399
3,723 4,033 4,158 4,736 5,105 5,434 5,596 5,693 5,817 7,407 6,221 6,496 6,797
Financing Profit 4,334 4,451 4,741 4,786 4,839 5,160 5,129 5,782 5,943 4,998 6,722 7,432 7,695
Financing Margin % 38% 37% 37% 35% 33% 34% 33% 35% 35% 28% 36% 38% 37%
2 2 4 2 2,548 23 11 1 2 1,167 1 1 29
Depreciation 145 162 179 186 196 205 236 236 242 227 238 270 303
Profit before tax 4,191 4,291 4,566 4,602 7,191 4,978 4,905 5,546 5,703 5,938 6,484 7,163 7,421
Tax % 26% 26% 26% 26% 22% 26% 20% 25% 25% 23% 25% 25% 25%
3,106 3,177 3,402 3,402 5,614 3,706 3,940 4,133 4,251 4,581 4,840 5,346 5,536
EPS in Rs 5.13 5.14 5.50 5.50 9.07 5.99 6.34 6.65 6.83 7.36 7.78 8.59 8.89
Gross NPA % 1.14% 1.18% 1.05% 1.06% 1.33% 1.41% 1.18% 1.28% 1.59% 1.56% 1.27% 1.20% 1.33%
Net NPA % 0.39% 0.46% 0.46% 0.47% 0.58% 0.61% 0.56% 0.63% 0.77% 0.61% 0.52% 0.49% 0.53%
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 TTM
5,392 7,298 9,966 12,639 17,386 23,823 23,537 27,872 35,684 46,939 61,093 71,267 76,993
Interest 2,274 2,959 3,853 4,649 6,037 7,990 7,550 7,678 9,424 14,003 18,656 21,648 23,225
1,752 2,353 3,248 4,067 5,189 8,763 10,325 11,236 11,928 15,249 19,921 24,741 26,921
Financing Profit 1,367 1,986 2,866 3,923 6,159 7,070 5,662 8,959 14,333 17,687 22,516 24,878 26,847
Financing Margin % 25% 27% 29% 31% 35% 30% 24% 32% 40% 38% 37% 35% 35%
26 35 23 10 13 9 3 -17 -7 -5 -18 -264 1,197
Depreciation 36 56 71 102 137 271 302 355 444 629 822 942 1,038
Profit before tax 1,357 1,965 2,818 3,831 6,035 6,808 5,363 8,586 13,882 17,053 21,676 23,672 27,006
Tax % 34% 35% 35% 35% 36% 28% 26% 26% 26% 26% 23% 25%
898 1,279 1,837 2,485 3,890 4,881 3,956 6,350 10,290 12,644 16,662 17,804 20,302
EPS in Rs 1.79 2.37 3.34 4.30 6.73 8.11 6.56 10.49 17.00 20.43 26.81 28.61 32.62
Dividend Payout % 10% 10% 11% 9% 9% 12% 15% 19% 18% 18% 21% 21%
Compounded Sales Growth
10 Years: 26%
5 Years: 25%
3 Years: 26%
TTM: 19%
Compounded Profit Growth
10 Years: 29%
5 Years: 33%
3 Years: 17%
TTM: 21%
Stock Price CAGR
10 Years: 25%
5 Years: 5%
3 Years: 8%
1 Year: -10%
Return on Equity
10 Years: 18%
5 Years: 18%
3 Years: 18%
Last Year: 17%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026 Sep 2026
Equity Capital 50 54 109 115 115 120 120 121 121 124 124 622 622
Reserves 4,750 7,373 9,491 15,702 19,448 31,693 35,818 41,935 51,372 71,887 87,872 102,501 110,286
Borrowing 26,655 37,025 49,250 63,629 86,352 104,206 99,854 123,040 161,685 220,379 275,218 322,818 370,644
1,325 2,522 4,880 2,169 2,585 1,984 2,491 2,921 3,347 4,438 4,656 6,263 9,196
Total Liabilities 32,780 46,973 63,730 81,615 108,500 138,004 138,284 168,017 216,525 296,827 367,870 432,203 490,749
249 287 361 465 654 1,228 1,227 1,598 2,147 3,060 3,575 3,724 4,198
CWIP -0 -0 -0 -0 -0 -0 51 33 80 43 39 119 76
Investments 332 1,034 4,075 3,653 10,370 20,139 20,169 16,372 28,738 37,153 41,716 38,074 39,701
32,198 45,652 59,295 77,497 97,475 116,636 116,836 150,014 185,560 256,571 322,539 390,285 446,774
Total Assets 32,780 46,973 63,730 81,615 108,500 138,004 138,284 168,017 216,525 296,827 367,870 432,203 490,749

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
-7,147 -9,871 -10,440 -17,191 -15,694 -14,110 4,386 -23,856 -27,302 -52,380 -50,633 -40,854
-365 -686 -3,048 505 -6,638 -9,633 424 3,806 -12,400 -9,721 -1,462 -1,146
6,953 11,656 12,516 16,589 22,344 24,177 -4,113 21,550 38,021 64,774 51,604 40,260
Net Cash Flow -559 1,099 -972 -97 13 435 697 1,501 -1,682 2,674 -491 -1,741
Free Cash Flow -7,212 -9,965 -10,586 -17,324 -16,018 -14,580 4,104 -24,435 -28,112 -53,326 -51,632 -41,693

Ratios

Standalone / View Consolidated

Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
ROE % 20% 21% 22% 20% 22% 19% 12% 16% 22% 20% 17% 17%

Insights

In beta
Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025 Mar 2026
Customer franchise
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New loans booked
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Cross-sell franchise
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Products per Customer (PPC)
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Shareholding Pattern

Numbers in percentages

1 Recently
Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026Sep 2026
54.78% 54.69% 54.70% 54.70% 54.70% 54.73% 54.73% 54.67% 54.70% 54.71% 54.68% 54.67%
20.92% 20.55% 21.08% 20.81% 20.79% 21.45% 21.71% 21.97% 21.49% 21.33% 20.20% 19.78%
14.01% 14.33% 14.23% 15.01% 15.08% 14.78% 14.52% 14.39% 14.86% 15.10% 16.30% 16.96%
0.07% 0.07% 0.09% 0.09% 0.08% 0.08% 0.08% 0.08% 0.08% 0.08% 0.09% 0.09%
10.17% 10.19% 9.83% 9.36% 9.32% 8.84% 8.92% 8.78% 8.77% 8.73% 8.64% 8.46%
0.05% 0.16% 0.08% 0.05% 0.04% 0.10% 0.03% 0.12% 0.10% 0.07% 0.08% 0.03%
No. of Shareholders 7,45,0407,99,1998,05,2417,81,9137,91,3927,05,6108,99,7779,41,9999,61,99410,02,9459,85,1589,52,483

* 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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