Share Price and Basic Stock Data
Last Updated: January 15, 2026, 5:33 am
| PEG Ratio | 2.04 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bajaj Finserv Ltd, a prominent holding company in India, reported a market capitalization of ₹3,21,672 Cr and a share price of ₹2,013. The company recorded substantial revenue growth, with sales increasing from ₹68,406 Cr in FY 2022 to ₹82,072 Cr in FY 2023, and projected revenues of ₹110,382 Cr for FY 2024 and ₹133,822 Cr for FY 2025. This trend illustrates a compound annual growth rate (CAGR) of approximately 21% from FY 2022 to FY 2025. The quarterly sales figures also reflect a consistent upward trajectory, culminating in ₹29,038 Cr for December 2023, up from ₹20,803 Cr in September 2022. This growth can be attributed to the company’s diversified financial services, including lending and insurance, which have gained traction in a recovering economy. Furthermore, the operating profit margin (OPM) stood at 38%, highlighting efficient cost management alongside revenue expansion.
Profitability and Efficiency Metrics
Bajaj Finserv’s profitability metrics are robust, with a reported net profit of ₹19,244 Cr for FY 2025, reflecting a strong bottom line that has consistently improved over the years. The net profit margin was recorded at 13.10% for FY 2025, signaling effective management of expenses alongside revenue growth. The return on equity (ROE) stood at 13.4%, while return on capital employed (ROCE) was reported at 11.0%, both of which are indicative of efficient capital utilization relative to industry benchmarks. The interest coverage ratio (ICR) of 2.02x suggests that the company is well-positioned to meet its interest obligations, although it is slightly below the typical range of 2.5x to 3.0x observed in the financial services sector. The cash conversion cycle (CCC) of 23 days indicates that the company effectively manages its working capital, although this is slightly higher than the historical average of around 20 days.
Balance Sheet Strength and Financial Ratios
The balance sheet of Bajaj Finserv reflects significant growth, with total assets reported at ₹651,519 Cr for FY 2025, up from ₹405,401 Cr in FY 2023. The company has reserves amounting to ₹76,331 Cr, which supports its financial stability and growth initiatives. However, borrowings have escalated to ₹392,202 Cr, leading to a total debt-to-equity ratio of 4.89x, which is considerably high compared to typical industry standards. This elevated leverage poses a potential risk, especially in a rising interest rate environment. The company’s current and quick ratios stand at 1.24x, suggesting adequate liquidity to meet short-term obligations. Furthermore, Bajaj Finserv’s price-to-book value (P/BV) ratio of 4.42x indicates a premium valuation, reflecting investor confidence but also suggesting that the stock may be overvalued in a correction scenario.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Bajaj Finserv shows a diverse ownership structure, with promoters holding 58.81% of the equity as of September 2025. Foreign Institutional Investors (FIIs) hold 8.11%, while Domestic Institutional Investors (DIIs) account for 10.49%. Public shareholders make up 22.52%. The stability in promoter holding, which has seen slight fluctuations but remained above 58%, indicates strong internal confidence in the company’s prospects. Additionally, the increase in DII participation from 6.91% in December 2022 to 10.49% in September 2025 suggests growing institutional interest and confidence in the company’s growth trajectory. However, the decline in public shareholding from 24.39% in December 2022 to 22.52% could indicate a need for strategies to enhance retail investor engagement and participation.
Outlook, Risks, and Final Insight
Looking ahead, Bajaj Finserv is well-positioned to capitalize on the expanding financial services sector in India, driven by a growing middle class and increasing demand for credit and insurance products. However, the company faces risks related to its high leverage, as indicated by the total debt-to-equity ratio of 4.89x, which could impact profitability if interest rates rise. Additionally, the competitive landscape in the financial services sector may pressure margins, especially as new entrants emerge. On the operational front, maintaining efficient cost management while scaling operations will be crucial. In terms of strategic initiatives, enhancing digital offerings and customer engagement could provide new growth avenues. Overall, while Bajaj Finserv presents a compelling investment case, potential investors should weigh these risks against the company’s growth prospects and strong market position.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Choice International Ltd | 18,525 Cr. | 832 | 860/438 | 102 | 59.5 | 0.00 % | 20.0 % | 19.6 % | 10.0 |
| Abans Holdings Ltd | 1,021 Cr. | 202 | 270/165 | 8.34 | 233 | 0.00 % | 9.71 % | 10.2 % | 2.00 |
| Max India Ltd | 890 Cr. | 170 | 255/160 | 89.4 | 0.00 % | 23.6 % | 30.0 % | 10.0 | |
| IDFC Ltd | 17,275 Cr. | 108 | / | 19.9 | 83.6 | 0.93 % | 8.49 % | 8.37 % | 10.0 |
| BF Investment Ltd | 1,508 Cr. | 400 | 609/386 | 18.4 | 1,880 | 0.00 % | 4.62 % | 3.39 % | 5.00 |
| Industry Average | 68,351.71 Cr | 2,064.86 | 33.09 | 1,274.21 | 0.26% | 12.46% | 13.71% | 6.86 |
Quarterly Result
| Metric | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 20,803 | 21,755 | 23,625 | 23,280 | 26,023 | 29,038 | 32,041 | 31,480 | 33,704 | 32,042 | 36,595 | 35,439 | 37,403 |
| Expenses | 13,416 | 13,924 | 15,470 | 13,935 | 16,073 | 18,601 | 21,108 | 19,655 | 21,420 | 19,669 | 23,868 | 21,124 | 23,352 |
| Operating Profit | 7,387 | 7,831 | 8,154 | 9,345 | 9,950 | 10,438 | 10,933 | 11,825 | 12,283 | 12,373 | 12,728 | 14,315 | 14,050 |
| OPM % | 36% | 36% | 35% | 40% | 38% | 36% | 34% | 38% | 36% | 39% | 35% | 40% | 38% |
| Other Income | 0 | 0 | 2 | 3 | 0 | 2 | 4 | 3 | 3 | 3 | 10 | 13 | 3 |
| Interest | 2,961 | 3,241 | 3,436 | 4,020 | 4,449 | 4,777 | 5,154 | 5,592 | 6,046 | 6,276 | 6,396 | 6,807 | 6,901 |
| Depreciation | 168 | 172 | 181 | 202 | 209 | 232 | 257 | 267 | 275 | 288 | 339 | 317 | 327 |
| Profit before tax | 4,258 | 4,419 | 4,540 | 5,125 | 5,292 | 5,431 | 5,527 | 5,968 | 5,966 | 5,812 | 6,002 | 7,204 | 6,825 |
| Tax % | 30% | 25% | 27% | 28% | 29% | 26% | 26% | 29% | 30% | 24% | 21% | 26% | 30% |
| Net Profit | 2,997 | 3,300 | 3,335 | 3,709 | 3,756 | 4,045 | 4,085 | 4,209 | 4,180 | 4,412 | 4,756 | 5,329 | 4,746 |
| EPS in Rs | 9.77 | 11.19 | 11.11 | 12.20 | 12.09 | 13.52 | 13.28 | 13.39 | 13.07 | 13.97 | 15.14 | 17.46 | 14.04 |
Last Updated: January 2, 2026, 6:02 pm
Below is a detailed analysis of the quarterly data for Bajaj Finserv Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Sales, as of Sep 2025, the value is 37,403.00 Cr.. The value appears strong and on an upward trend. It has increased from 35,439.00 Cr. (Jun 2025) to 37,403.00 Cr., marking an increase of 1,964.00 Cr..
- For Expenses, as of Sep 2025, the value is 23,352.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 21,124.00 Cr. (Jun 2025) to 23,352.00 Cr., marking an increase of 2,228.00 Cr..
- For Operating Profit, as of Sep 2025, the value is 14,050.00 Cr.. The value appears to be declining and may need further review. It has decreased from 14,315.00 Cr. (Jun 2025) to 14,050.00 Cr., marking a decrease of 265.00 Cr..
- For OPM %, as of Sep 2025, the value is 38.00%. The value appears to be declining and may need further review. It has decreased from 40.00% (Jun 2025) to 38.00%, marking a decrease of 2.00%.
- For Other Income, as of Sep 2025, the value is 3.00 Cr.. The value appears to be declining and may need further review. It has decreased from 13.00 Cr. (Jun 2025) to 3.00 Cr., marking a decrease of 10.00 Cr..
- For Interest, as of Sep 2025, the value is 6,901.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,807.00 Cr. (Jun 2025) to 6,901.00 Cr., marking an increase of 94.00 Cr..
- For Depreciation, as of Sep 2025, the value is 327.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 317.00 Cr. (Jun 2025) to 327.00 Cr., marking an increase of 10.00 Cr..
- For Profit before tax, as of Sep 2025, the value is 6,825.00 Cr.. The value appears to be declining and may need further review. It has decreased from 7,204.00 Cr. (Jun 2025) to 6,825.00 Cr., marking a decrease of 379.00 Cr..
- For Tax %, as of Sep 2025, the value is 30.00%. The value appears to be increasing, which may not be favorable. It has increased from 26.00% (Jun 2025) to 30.00%, marking an increase of 4.00%.
- For Net Profit, as of Sep 2025, the value is 4,746.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5,329.00 Cr. (Jun 2025) to 4,746.00 Cr., marking a decrease of 583.00 Cr..
- For EPS in Rs, as of Sep 2025, the value is 14.04. The value appears to be declining and may need further review. It has decreased from 17.46 (Jun 2025) to 14.04, marking a decrease of 3.42.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: December 15, 2025, 5:45 am
| Metric | 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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 6,023 | 11,335 | 20,533 | 24,507 | 32,862 | 42,605 | 54,351 | 60,592 | 68,406 | 82,072 | 110,382 | 133,822 | 141,479 |
| Expenses | 1,531 | 5,823 | 13,795 | 15,794 | 22,074 | 27,569 | 36,094 | 40,950 | 46,951 | 52,204 | 69,497 | 84,298 | 88,013 |
| Operating Profit | 4,491 | 5,511 | 6,739 | 8,713 | 10,788 | 15,037 | 18,258 | 19,641 | 21,455 | 29,868 | 40,886 | 49,524 | 53,466 |
| OPM % | 75% | 49% | 33% | 36% | 33% | 35% | 34% | 32% | 31% | 36% | 37% | 37% | 38% |
| Other Income | 3 | 8 | 0 | 0 | 1 | 2 | 0 | -7 | 8 | 1 | -4 | -18 | 29 |
| Interest | 1,562 | 2,230 | 2,877 | 3,716 | 4,531 | 6,657 | 9,500 | 9,274 | 9,629 | 12,380 | 18,607 | 24,587 | 26,380 |
| Depreciation | 31 | 38 | 58 | 73 | 160 | 226 | 457 | 498 | 563 | 678 | 900 | 1,170 | 1,273 |
| Profit before tax | 2,902 | 3,251 | 3,804 | 4,925 | 6,099 | 8,155 | 8,302 | 9,862 | 11,271 | 16,811 | 21,375 | 23,748 | 25,843 |
| Tax % | 24% | 26% | 27% | 30% | 32% | 34% | 28% | 25% | 26% | 27% | 27% | 26% | |
| Net Profit | 2,191 | 2,409 | 2,775 | 3,450 | 4,176 | 5,374 | 5,994 | 7,367 | 8,314 | 12,210 | 15,595 | 17,558 | 19,244 |
| EPS in Rs | 9.71 | 10.62 | 11.71 | 14.21 | 16.65 | 20.23 | 21.17 | 28.09 | 28.63 | 40.29 | 51.07 | 55.57 | 60.61 |
| Dividend Payout % | 2% | 2% | 1% | 1% | 1% | 1% | 2% | 1% | 1% | 2% | 2% | 2% |
YoY Net Profit Growth
| Year | 2014-2015 | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 9.95% | 15.19% | 24.32% | 21.04% | 28.69% | 11.54% | 22.91% | 12.85% | 46.86% | 27.72% | 12.59% |
| Change in YoY Net Profit Growth (%) | 0.00% | 5.24% | 9.13% | -3.28% | 7.64% | -17.15% | 11.37% | -10.05% | 34.01% | -19.14% | -15.14% |
Bajaj Finserv Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 28% |
| 5 Years: | 20% |
| 3 Years: | 25% |
| TTM: | 16% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 18% |
| 5 Years: | 21% |
| 3 Years: | 25% |
| TTM: | 14% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 28% |
| 5 Years: | 26% |
| 3 Years: | 5% |
| 1 Year: | 7% |
| Return on Equity | |
|---|---|
| 10 Years: | 14% |
| 5 Years: | 14% |
| 3 Years: | 14% |
| Last Year: | 13% |
Last Updated: September 4, 2025, 9:25 pm
Balance Sheet
Last Updated: December 4, 2025, 12:51 am
| Month | 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 | 80 | 80 | 80 | 80 | 80 | 80 | 80 | 80 | 80 | 159 | 159 | 160 | 160 |
| Reserves | 9,232 | 11,009 | 13,519 | 16,071 | 20,403 | 23,660 | 31,222 | 35,750 | 40,167 | 46,248 | 60,169 | 72,236 | 76,331 |
| Borrowings | 19,507 | 26,312 | 36,062 | 48,282 | 65,695 | 99,754 | 127,212 | 128,461 | 161,179 | 212,265 | 288,933 | 355,855 | 392,202 |
| Other Liabilities | 45,565 | 50,827 | 54,290 | 64,181 | 75,337 | 84,934 | 92,791 | 115,554 | 131,987 | 146,729 | 188,154 | 223,269 | 238,823 |
| Total Liabilities | 74,383 | 88,228 | 103,951 | 128,614 | 161,514 | 208,428 | 251,304 | 279,845 | 333,413 | 405,401 | 537,415 | 651,519 | 707,515 |
| Fixed Assets | 1,262 | 1,261 | 1,274 | 1,645 | 1,792 | 2,097 | 3,216 | 3,182 | 3,586 | 4,336 | 5,455 | 6,297 | 6,548 |
| CWIP | 1 | 3 | 11 | 4 | 28 | 66 | 45 | 129 | 113 | 191 | 220 | 314 | 155 |
| Investments | 45,314 | 51,367 | 53,698 | 62,658 | 69,428 | 81,679 | 91,821 | 113,654 | 119,222 | 136,176 | 170,127 | 190,130 | 49,877 |
| Other Assets | 27,805 | 35,598 | 48,969 | 64,306 | 90,266 | 124,587 | 156,223 | 162,879 | 210,493 | 264,698 | 361,613 | 454,778 | 650,935 |
| Total Assets | 74,383 | 88,228 | 103,951 | 128,614 | 161,514 | 208,428 | 251,304 | 279,845 | 333,413 | 405,401 | 537,415 | 651,519 | 707,515 |
Below is a detailed analysis of the balance sheet data for Bajaj Finserv Ltd based on the most recent figures (Sep 2025) and their trends compared to the previous period:
- For Equity Capital, as of Sep 2025, the value is 160.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2025) which recorded 160.00 Cr..
- For Reserves, as of Sep 2025, the value is 76,331.00 Cr.. The value appears strong and on an upward trend. It has increased from 72,236.00 Cr. (Mar 2025) to 76,331.00 Cr., marking an increase of 4,095.00 Cr..
- For Borrowings, as of Sep 2025, the value is 392,202.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 355,855.00 Cr. (Mar 2025) to 392,202.00 Cr., marking an increase of 36,347.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 238,823.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 223,269.00 Cr. (Mar 2025) to 238,823.00 Cr., marking an increase of 15,554.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 707,515.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 651,519.00 Cr. (Mar 2025) to 707,515.00 Cr., marking an increase of 55,996.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 6,548.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,297.00 Cr. (Mar 2025) to 6,548.00 Cr., marking an increase of 251.00 Cr..
- For CWIP, as of Sep 2025, the value is 155.00 Cr.. The value appears to be declining and may need further review. It has decreased from 314.00 Cr. (Mar 2025) to 155.00 Cr., marking a decrease of 159.00 Cr..
- For Investments, as of Sep 2025, the value is 49,877.00 Cr.. The value appears to be declining and may need further review. It has decreased from 190,130.00 Cr. (Mar 2025) to 49,877.00 Cr., marking a decrease of 140,253.00 Cr..
- For Other Assets, as of Sep 2025, the value is 650,935.00 Cr.. The value appears strong and on an upward trend. It has increased from 454,778.00 Cr. (Mar 2025) to 650,935.00 Cr., marking an increase of 196,157.00 Cr..
- For Total Assets, as of Sep 2025, the value is 707,515.00 Cr.. The value appears strong and on an upward trend. It has increased from 651,519.00 Cr. (Mar 2025) to 707,515.00 Cr., marking an increase of 55,996.00 Cr..
However, the Borrowings (392,202.00 Cr.) are higher than the Reserves (76,331.00 Cr.), which may signal higher financial risk.
Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.
Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Free Cash Flow
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -15.00 | -21.00 | -30.00 | -40.00 | -55.00 | -84.00 | -109.00 | -109.00 | -140.00 | -183.00 | -248.00 | -306.00 |
Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)
Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.
Financial Efficiency Indicators
| Month | Mar 2014 | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debtor Days | 22 | 17 | 12 | 19 | 19 | 19 | 18 | 17 | 16 | 15 | 20 | 23 |
| Inventory Days | ||||||||||||
| Days Payable | ||||||||||||
| Cash Conversion Cycle | 22 | 17 | 12 | 19 | 19 | 19 | 18 | 17 | 16 | 15 | 20 | 23 |
| Working Capital Days | -1,669 | -741 | -341 | -301 | -750 | -644 | -417 | -490 | -493 | -444 | -406 | -374 |
| ROCE % | 16% | 15% | 14% | 14% | 13% | 13% | 11% | 10% | 10% | 11% | 12% | 11% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Focused Fund | 10,000,000 | 4.9 | 2094 | N/A | N/A | N/A |
| HDFC Large Cap Fund | 4,165,247 | 2.15 | 872.2 | 4,065,247 | 2025-12-15 01:16:55 | 2.46% |
| SBI Multicap Fund | 3,740,000 | 3.27 | 783.16 | N/A | N/A | N/A |
| SBI Banking & Financial Services Fund | 3,411,808 | 7.28 | 714.43 | 2,802,018 | 2025-12-15 01:16:55 | 21.76% |
| ICICI Prudential Multi Asset Fund | 3,035,315 | 0.85 | 635.6 | 2,872,302 | 2025-12-15 01:16:55 | 5.68% |
| ICICI Prudential Value Fund | 2,535,285 | 0.88 | 530.89 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 2,518,500 | 0.49 | 527.37 | N/A | N/A | N/A |
| ICICI Prudential Balanced Advantage Fund | 2,445,936 | 0.73 | 512.18 | N/A | N/A | N/A |
| Aditya Birla Sun Life Flexi Cap Fund | 2,014,387 | 1.7 | 421.81 | N/A | N/A | N/A |
| SBI Equity Hybrid Fund | 2,000,000 | 0.5 | 418.8 | N/A | N/A | N/A |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 1.00 | 1.00 | 1.00 | 5.00 | 5.00 |
| Basic EPS (Rs.) | 55.60 | 51.20 | 40.30 | 286.30 | 280.90 |
| Diluted EPS (Rs.) | 55.00 | 50.70 | 40.00 | 286.30 | 280.90 |
| Cash EPS (Rs.) | 117.23 | 103.43 | 80.91 | 557.79 | 494.28 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 453.60 | 651.00 | 487.24 | 4167.39 | 3663.06 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 453.60 | 651.00 | 487.24 | 4167.39 | 3663.06 |
| Revenue From Operations / Share (Rs.) | 838.48 | 692.44 | 515.33 | 4298.48 | 3807.41 |
| PBDIT / Share (Rs.) | 308.33 | 255.11 | 186.42 | 1340.45 | 1225.48 |
| PBIT / Share (Rs.) | 301.00 | 249.46 | 182.16 | 1305.09 | 1194.16 |
| PBT / Share (Rs.) | 148.69 | 134.04 | 105.55 | 708.24 | 619.74 |
| Net Profit / Share (Rs.) | 109.90 | 97.78 | 76.66 | 522.43 | 462.96 |
| NP After MI And SOA / Share (Rs.) | 55.59 | 51.11 | 40.29 | 286.34 | 280.91 |
| PBDIT Margin (%) | 36.77 | 36.84 | 36.17 | 31.18 | 32.18 |
| PBIT Margin (%) | 35.89 | 36.02 | 35.34 | 30.36 | 31.36 |
| PBT Margin (%) | 17.73 | 19.35 | 20.48 | 16.47 | 16.27 |
| Net Profit Margin (%) | 13.10 | 14.12 | 14.87 | 12.15 | 12.15 |
| NP After MI And SOA Margin (%) | 6.62 | 7.38 | 7.81 | 6.66 | 7.37 |
| Return on Networth / Equity (%) | 12.25 | 13.50 | 13.82 | 11.32 | 12.47 |
| Return on Capital Employeed (%) | 35.45 | 13.93 | 13.70 | 11.78 | 13.35 |
| Return On Assets (%) | 1.36 | 1.51 | 1.58 | 1.36 | 1.59 |
| Long Term Debt / Equity (X) | 0.00 | 2.92 | 2.80 | 2.64 | 2.25 |
| Total Debt / Equity (X) | 4.89 | 4.77 | 4.56 | 3.99 | 3.57 |
| Asset Turnover Ratio (%) | 0.22 | 0.23 | 0.01 | 0.00 | 0.00 |
| Current Ratio (X) | 1.24 | 2.10 | 2.06 | 2.04 | 1.95 |
| Quick Ratio (X) | 1.24 | 2.10 | 2.06 | 2.04 | 1.95 |
| Dividend Payout Ratio (NP) (%) | 1.79 | 1.56 | 0.99 | 1.04 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 1.58 | 1.40 | 0.89 | 0.93 | 0.00 |
| Earning Retention Ratio (%) | 98.21 | 98.44 | 99.01 | 98.96 | 0.00 |
| Cash Earning Retention Ratio (%) | 98.42 | 98.60 | 99.11 | 99.07 | 0.00 |
| Interest Coverage Ratio (X) | 2.02 | 2.21 | 2.43 | 2.25 | 2.13 |
| Interest Coverage Ratio (Post Tax) (X) | 1.72 | 1.85 | 2.00 | 1.88 | 1.81 |
| Enterprise Value (Cr.) | 714801.58 | 580673.63 | 438933.70 | 453552.41 | 300819.87 |
| EV / Net Operating Revenue (X) | 5.34 | 5.26 | 5.35 | 6.63 | 4.96 |
| EV / EBITDA (X) | 14.53 | 14.28 | 14.78 | 21.26 | 15.42 |
| MarketCap / Net Operating Revenue (X) | 2.39 | 2.37 | 2.46 | 3.97 | 2.54 |
| Retention Ratios (%) | 98.20 | 98.43 | 99.00 | 98.95 | 0.00 |
| Price / BV (X) | 4.42 | 4.34 | 4.35 | 6.74 | 4.29 |
| Price / Net Operating Revenue (X) | 2.39 | 2.37 | 2.46 | 3.97 | 2.54 |
| EarningsYield | 0.02 | 0.03 | 0.03 | 0.01 | 0.02 |
After reviewing the key financial ratios for Bajaj Finserv Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 55.60. This value is within the healthy range. It has increased from 51.20 (Mar 24) to 55.60, marking an increase of 4.40.
- For Diluted EPS (Rs.), as of Mar 25, the value is 55.00. This value is within the healthy range. It has increased from 50.70 (Mar 24) to 55.00, marking an increase of 4.30.
- For Cash EPS (Rs.), as of Mar 25, the value is 117.23. This value is within the healthy range. It has increased from 103.43 (Mar 24) to 117.23, marking an increase of 13.80.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 453.60. It has decreased from 651.00 (Mar 24) to 453.60, marking a decrease of 197.40.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 453.60. It has decreased from 651.00 (Mar 24) to 453.60, marking a decrease of 197.40.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 838.48. It has increased from 692.44 (Mar 24) to 838.48, marking an increase of 146.04.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 308.33. This value is within the healthy range. It has increased from 255.11 (Mar 24) to 308.33, marking an increase of 53.22.
- For PBIT / Share (Rs.), as of Mar 25, the value is 301.00. This value is within the healthy range. It has increased from 249.46 (Mar 24) to 301.00, marking an increase of 51.54.
- For PBT / Share (Rs.), as of Mar 25, the value is 148.69. This value is within the healthy range. It has increased from 134.04 (Mar 24) to 148.69, marking an increase of 14.65.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 109.90. This value is within the healthy range. It has increased from 97.78 (Mar 24) to 109.90, marking an increase of 12.12.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 55.59. This value is within the healthy range. It has increased from 51.11 (Mar 24) to 55.59, marking an increase of 4.48.
- For PBDIT Margin (%), as of Mar 25, the value is 36.77. This value is within the healthy range. It has decreased from 36.84 (Mar 24) to 36.77, marking a decrease of 0.07.
- For PBIT Margin (%), as of Mar 25, the value is 35.89. This value exceeds the healthy maximum of 20. It has decreased from 36.02 (Mar 24) to 35.89, marking a decrease of 0.13.
- For PBT Margin (%), as of Mar 25, the value is 17.73. This value is within the healthy range. It has decreased from 19.35 (Mar 24) to 17.73, marking a decrease of 1.62.
- For Net Profit Margin (%), as of Mar 25, the value is 13.10. This value exceeds the healthy maximum of 10. It has decreased from 14.12 (Mar 24) to 13.10, marking a decrease of 1.02.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 6.62. This value is below the healthy minimum of 8. It has decreased from 7.38 (Mar 24) to 6.62, marking a decrease of 0.76.
- For Return on Networth / Equity (%), as of Mar 25, the value is 12.25. This value is below the healthy minimum of 15. It has decreased from 13.50 (Mar 24) to 12.25, marking a decrease of 1.25.
- For Return on Capital Employeed (%), as of Mar 25, the value is 35.45. This value is within the healthy range. It has increased from 13.93 (Mar 24) to 35.45, marking an increase of 21.52.
- For Return On Assets (%), as of Mar 25, the value is 1.36. This value is below the healthy minimum of 5. It has decreased from 1.51 (Mar 24) to 1.36, marking a decrease of 0.15.
- For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 2.92 (Mar 24) to 0.00, marking a decrease of 2.92.
- For Total Debt / Equity (X), as of Mar 25, the value is 4.89. This value exceeds the healthy maximum of 1. It has increased from 4.77 (Mar 24) to 4.89, marking an increase of 0.12.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.22. It has decreased from 0.23 (Mar 24) to 0.22, marking a decrease of 0.01.
- For Current Ratio (X), as of Mar 25, the value is 1.24. This value is below the healthy minimum of 1.5. It has decreased from 2.10 (Mar 24) to 1.24, marking a decrease of 0.86.
- For Quick Ratio (X), as of Mar 25, the value is 1.24. This value is within the healthy range. It has decreased from 2.10 (Mar 24) to 1.24, marking a decrease of 0.86.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 1.79. This value is below the healthy minimum of 20. It has increased from 1.56 (Mar 24) to 1.79, marking an increase of 0.23.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 1.58. This value is below the healthy minimum of 20. It has increased from 1.40 (Mar 24) to 1.58, marking an increase of 0.18.
- For Earning Retention Ratio (%), as of Mar 25, the value is 98.21. This value exceeds the healthy maximum of 70. It has decreased from 98.44 (Mar 24) to 98.21, marking a decrease of 0.23.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 98.42. This value exceeds the healthy maximum of 70. It has decreased from 98.60 (Mar 24) to 98.42, marking a decrease of 0.18.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 2.02. This value is below the healthy minimum of 3. It has decreased from 2.21 (Mar 24) to 2.02, marking a decrease of 0.19.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.72. This value is below the healthy minimum of 3. It has decreased from 1.85 (Mar 24) to 1.72, marking a decrease of 0.13.
- For Enterprise Value (Cr.), as of Mar 25, the value is 714,801.58. It has increased from 580,673.63 (Mar 24) to 714,801.58, marking an increase of 134,127.95.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 5.34. This value exceeds the healthy maximum of 3. It has increased from 5.26 (Mar 24) to 5.34, marking an increase of 0.08.
- For EV / EBITDA (X), as of Mar 25, the value is 14.53. This value is within the healthy range. It has increased from 14.28 (Mar 24) to 14.53, marking an increase of 0.25.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 2.39. This value is within the healthy range. It has increased from 2.37 (Mar 24) to 2.39, marking an increase of 0.02.
- For Retention Ratios (%), as of Mar 25, the value is 98.20. This value exceeds the healthy maximum of 70. It has decreased from 98.43 (Mar 24) to 98.20, marking a decrease of 0.23.
- For Price / BV (X), as of Mar 25, the value is 4.42. This value exceeds the healthy maximum of 3. It has increased from 4.34 (Mar 24) to 4.42, marking an increase of 0.08.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 2.39. This value is within the healthy range. It has increased from 2.37 (Mar 24) to 2.39, marking an increase of 0.02.
- For EarningsYield, as of Mar 25, the value is 0.02. This value is below the healthy minimum of 5. It has decreased from 0.03 (Mar 24) to 0.02, marking a decrease of 0.01.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
Strength and Weakness
| Strength | Weakness |
|---|---|
|
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Stock Analysis
- Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Bajaj Finserv Ltd:
- Net Profit Margin: 13.1%
- Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
- ROCE: 35.45% (Industry Average ROCE: 12.46%)
- ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
- ROE%: 12.25% (Industry Average ROE: 13.71%)
- ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
- Interest Coverage Ratio (Post Tax): 1.72
- Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
- Quick Ratio: 1.24
- Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
- Stock P/E: 33 (Industry average Stock P/E: 33.09)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 4.89
- Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
Stock Rating: - Net Profit Margin: 13.1%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Holding Company | Bajaj Auto Limited Complex, Mumbai - Pune Road, Pune Maharashtra 411035 | Contact not found |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Sanjiv Bajaj | Chairman & Managing Director |
| Mrs. Radhika Haribhakti | Director |
| Mr. Rajiv Bajaj | Director |
| Mr. Pramit Jhaveri | Director |
| Dr. Naushad Forbes | Director |
| Mr. Anami N Roy | Director |
| Mr. Manish Kejriwal | Director |
| Mr. Sanjiv Sahai | Director |
| Mr. Rajeev Jain | Director |
FAQ
What is the intrinsic value of Bajaj Finserv Ltd?
Bajaj Finserv Ltd's intrinsic value (as of 15 January 2026) is ₹1695.36 which is 15.27% lower the current market price of ₹2,001.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹3,19,706 Cr. market cap, FY2025-2026 high/low of ₹2,195/1,617, reserves of ₹76,331 Cr, and liabilities of ₹707,515 Cr.
What is the Market Cap of Bajaj Finserv Ltd?
The Market Cap of Bajaj Finserv Ltd is 3,19,706 Cr..
What is the current Stock Price of Bajaj Finserv Ltd as on 15 January 2026?
The current stock price of Bajaj Finserv Ltd as on 15 January 2026 is ₹2,001.
What is the High / Low of Bajaj Finserv Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Bajaj Finserv Ltd stocks is ₹2,195/1,617.
What is the Stock P/E of Bajaj Finserv Ltd?
The Stock P/E of Bajaj Finserv Ltd is 33.0.
What is the Book Value of Bajaj Finserv Ltd?
The Book Value of Bajaj Finserv Ltd is 479.
What is the Dividend Yield of Bajaj Finserv Ltd?
The Dividend Yield of Bajaj Finserv Ltd is 0.05 %.
What is the ROCE of Bajaj Finserv Ltd?
The ROCE of Bajaj Finserv Ltd is 11.0 %.
What is the ROE of Bajaj Finserv Ltd?
The ROE of Bajaj Finserv Ltd is 13.4 %.
What is the Face Value of Bajaj Finserv Ltd?
The Face Value of Bajaj Finserv Ltd is 1.00.