Bajaj Finance Ltd

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

Bajaj Finance Ltd

₹ 910 -0.19%
15 May - close price
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 ₹ 5,66,842 Cr.
  • Current Price ₹ 910
  • High / Low ₹ 1,102 / 788
  • Stock P/E 29.5
  • Book Value ₹ 183
  • Dividend Yield 0.59 %
  • ROCE 10.8 %
  • ROE 18.2 %
  • Face Value ₹ 1.00
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Pros

  • Company has delivered good profit growth of 34.1% CAGR over last 5 years
  • Company has been maintaining a healthy dividend payout of 18.6%
  • Company's median sales growth is 29.4% of last 10 years

Cons

  • Stock is trading at 4.97 times its book value
  • Company has low interest coverage ratio.
  • 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

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
11,364 12,498 13,382 14,164 14,926 16,100 17,091 18,035 18,294 19,524 20,179 21,013 21,606
Interest 3,592 4,103 4,537 4,868 5,217 5,684 6,149 6,386 6,551 6,918 7,011 7,339 7,398
3,382 3,693 3,931 4,229 4,420 4,956 5,338 5,691 5,865 5,992 6,307 7,737 6,553
Financing Profit 4,390 4,703 4,914 5,066 5,289 5,460 5,604 5,958 5,879 6,614 6,861 5,937 7,654
Financing Margin % 39% 38% 37% 36% 35% 34% 33% 33% 32% 34% 34% 28% 35%
5 5 2 5 9 5 7 26 21 5 5 -262 11
Depreciation 134 156 159 176 193 200 210 219 252 251 258 244 256
Profit before tax 4,261 4,551 4,758 4,896 5,105 5,265 5,401 5,765 5,647 6,368 6,608 5,431 7,410
Tax % 26% 24% 25% 26% 25% 26% 26% 25% 20% 25% 25% 25% 25%
3,158 3,437 3,551 3,639 3,825 3,912 4,014 4,308 4,546 4,765 4,948 4,066 5,553
EPS in Rs 5.22 5.67 5.86 5.89 6.18 6.32 6.46 6.86 7.21 7.56 7.84 6.39 8.78
Gross NPA % 0.94% 0.87% 0.91% 0.95% 0.85% 0.86% 1.06% 1.12% 0.96% 1.03% 1.24% 1.21% 1.01%
Net NPA % 0.34% 0.31% 0.31% 0.37% 0.37% 0.38% 0.46% 0.48% 0.44% 0.50% 0.60% 0.47% 0.41%
Raw PDF

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
5,392 7,299 9,970 12,746 18,487 26,375 26,673 31,633 41,411 54,974 69,709 81,982
Interest 2,274 2,959 3,853 4,696 6,723 9,608 9,519 9,848 12,701 18,886 24,992 28,666
1,752 2,354 3,250 4,115 5,454 9,159 10,839 11,880 12,693 16,099 21,754 26,249
Financing Profit 1,367 1,986 2,867 3,935 6,310 7,609 6,314 9,905 16,018 19,989 22,963 27,067
Financing Margin % 25% 27% 29% 31% 34% 29% 24% 31% 39% 36% 33% 33%
26 35 22 10 13 8 3 -17 -5 4 -2 -242
Depreciation 36 56 71 102 144 295 325 385 485 683 881 1,009
Profit before tax 1,357 1,965 2,817 3,843 6,179 7,322 5,992 9,504 15,528 19,310 22,080 25,817
Tax % 34% 35% 35% 35% 35% 28% 26% 26% 26% 25% 24% 25%
898 1,279 1,836 2,496 3,995 5,264 4,420 7,028 11,508 14,451 16,779 19,332
EPS in Rs 1.79 2.37 3.34 4.32 6.91 8.75 7.33 11.61 19.01 23.35 26.77 30.56
Dividend Payout % 10% 10% 11% 9% 9% 11% 14% 17% 16% 15% 21% 20%
Compounded Sales Growth
10 Years: 27%
5 Years: 25%
3 Years: 26%
TTM: 18%
Compounded Profit Growth
10 Years: 31%
5 Years: 34%
3 Years: 19%
TTM: 15%
Stock Price CAGR
10 Years: 28%
5 Years: 11%
3 Years: 11%
1 Year: -1%
Return on Equity
10 Years: 19%
5 Years: 20%
3 Years: 20%
Last Year: 18%

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 50 54 109 115 115 120 120 121 121 124 124 622
Reserves 4,750 7,373 9,491 15,733 19,582 32,208 36,798 43,592 54,251 76,572 96,569 113,377
Borrowing 26,655 37,025 49,250 66,557 101,588 129,806 131,634 165,232 216,690 293,346 361,249 435,112
1,325 2,522 4,881 2,393 2,948 2,257 2,918 3,561 4,164 5,700 8,185 10,841
Total Liabilities 32,780 46,973 63,731 84,798 124,233 164,391 171,470 212,505 275,226 375,742 466,127 559,952
252 290 366 470 695 1,321 1,316 1,716 2,308 3,250 3,780 4,004
CWIP 0 0 0 0 0 0 51 34 80 43 41 62
Investments 326 1,029 4,070 3,139 8,599 17,544 18,397 12,246 22,752 30,881 34,441 30,578
32,201 45,654 59,295 81,189 114,939 145,526 151,707 198,509 250,087 341,568 427,865 525,309
Total Assets 32,780 46,973 63,731 84,798 124,233 164,391 171,470 212,505 275,226 375,742 466,127 559,952

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
-7,064 -9,870 -10,439 -20,566 -29,062 -24,412 -807 -37,090 -42,112 -69,843 -68,154 -65,790
-360 -687 -3,047 1,075 -5,379 -8,758 -429 6,347 -10,394 -10,088 -2,765 -3,389
6,867 11,656 12,513 19,503 34,449 34,167 1,741 32,275 50,675 82,415 70,527 67,433
Net Cash Flow -557 1,100 -972 13 9 998 505 1,532 -1,831 2,484 -392 -1,746
Free Cash Flow -7,129 -9,964 -10,587 -20,700 -29,428 -24,912 -1,105 -37,705 -42,970 -70,842 -69,200 -66,686
CFO/OP -181% -185% -140% -221% -206% -129% 4% -175% -133% -167% -130% -106%

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
ROE % 19% 21% 22% 20% 22% 20% 13% 17% 23% 22% 19% 18%

Insights

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Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Mar 2025
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New Loans Booked
MM
Active Distribution Points
Number
Geographic Presence (Locations)
Number
Product Per Customer (PPC)
Number
EMI Card Franchise (Cards in Force)
MM
New Customer Addition
MM
Total App Net Installs
MM

Extracted by Screener AI

Shareholding Pattern

Numbers in percentages

6 Recently
Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
55.87% 55.87% 54.78% 54.69% 54.70% 54.70% 54.70% 54.73% 54.73% 54.67% 54.70% 54.71%
20.09% 20.41% 20.92% 20.55% 21.08% 20.81% 20.79% 21.45% 21.71% 21.97% 21.49% 21.33%
12.83% 13.05% 14.01% 14.33% 14.23% 15.01% 15.08% 14.78% 14.52% 14.39% 14.86% 15.10%
0.07% 0.07% 0.07% 0.07% 0.09% 0.09% 0.08% 0.08% 0.08% 0.08% 0.08% 0.08%
10.99% 10.50% 10.17% 10.19% 9.83% 9.36% 9.32% 8.84% 8.92% 8.78% 8.77% 8.73%
0.13% 0.10% 0.05% 0.16% 0.08% 0.05% 0.04% 0.10% 0.03% 0.12% 0.10% 0.07%
No. of Shareholders 7,84,8837,26,5837,45,0407,99,1998,05,2417,81,9137,91,3927,05,6108,99,7779,41,9999,61,99410,02,945

* 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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