Below is a detailed analysis of the quarterly data for Bajaj Finserv Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
For Sales, as of Mar 2025, the value is 36,595.00 Cr.. The value appears strong and on an upward trend. It has increased from 32,042.00 Cr. (Dec 2024) to 36,595.00 Cr., marking an increase of 4,553.00 Cr..
For Expenses, as of Mar 2025, the value is 23,868.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 19,669.00 Cr. (Dec 2024) to 23,868.00 Cr., marking an increase of 4,199.00 Cr..
For Operating Profit, as of Mar 2025, the value is 12,728.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,373.00 Cr. (Dec 2024) to 12,728.00 Cr., marking an increase of 355.00 Cr..
For OPM %, as of Mar 2025, the value is 35.00%. The value appears to be declining and may need further review. It has decreased from 39.00% (Dec 2024) to 35.00%, marking a decrease of 4.00%.
For Other Income, as of Mar 2025, the value is 10.00 Cr.. The value appears strong and on an upward trend. It has increased from 3.00 Cr. (Dec 2024) to 10.00 Cr., marking an increase of 7.00 Cr..
For Interest, as of Mar 2025, the value is 6,396.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,276.00 Cr. (Dec 2024) to 6,396.00 Cr., marking an increase of 120.00 Cr..
For Depreciation, as of Mar 2025, the value is 339.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 288.00 Cr. (Dec 2024) to 339.00 Cr., marking an increase of 51.00 Cr..
For Profit before tax, as of Mar 2025, the value is 6,002.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,812.00 Cr. (Dec 2024) to 6,002.00 Cr., marking an increase of 190.00 Cr..
For Tax %, as of Mar 2025, the value is 21.00%. The value appears to be improving (decreasing) as expected. It has decreased from 24.00% (Dec 2024) to 21.00%, marking a decrease of 3.00%.
For Net Profit, as of Mar 2025, the value is 4,756.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,412.00 Cr. (Dec 2024) to 4,756.00 Cr., marking an increase of 344.00 Cr..
For EPS in Rs, as of Mar 2025, the value is 15.14. The value appears strong and on an upward trend. It has increased from 13.97 (Dec 2024) to 15.14, marking an increase of 1.17.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
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Quarterly Chart
Profit & Loss - Annual Report
Last Updated: May 3, 2025, 3:26 pm
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
Sales
6,023
11,335
20,533
24,507
32,862
42,605
54,351
60,592
68,406
82,072
110,382
133,821
Expenses
1,531
5,823
13,795
15,794
22,074
27,569
36,094
40,950
46,951
52,204
69,497
84,612
Operating Profit
4,491
5,511
6,739
8,713
10,788
15,037
18,258
19,641
21,455
29,868
40,886
49,209
OPM %
75%
49%
33%
36%
33%
35%
34%
32%
31%
36%
37%
37%
Other Income
3
8
0
0
1
2
0
-7
8
1
-4
19
Interest
1,562
2,230
2,877
3,716
4,531
6,657
9,500
9,274
9,629
12,380
18,607
24,310
Depreciation
31
38
58
73
160
226
457
498
563
678
900
1,170
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
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
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
Dividend Payout %
2%
2%
1%
1%
1%
1%
2%
1%
1%
2%
2%
2%
×
Profit & Loss Yearly Chart
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:
21%
Compounded Profit Growth
10 Years:
18%
5 Years:
21%
3 Years:
25%
TTM:
9%
Stock Price CAGR
10 Years:
30%
5 Years:
31%
3 Years:
21%
1 Year:
28%
Return on Equity
10 Years:
14%
5 Years:
14%
3 Years:
14%
Last Year:
13%
Last Updated: Unknown
No data available for the Balance Sheet data table.
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 24, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 1.00.
For Basic EPS (Rs.), as of Mar 24, the value is 51.20. This value is within the healthy range. It has increased from 40.30 (Mar 23) to 51.20, marking an increase of 10.90.
For Diluted EPS (Rs.), as of Mar 24, the value is 50.70. This value is within the healthy range. It has increased from 40.00 (Mar 23) to 50.70, marking an increase of 10.70.
For Cash EPS (Rs.), as of Mar 24, the value is 103.43. This value is within the healthy range. It has increased from 80.91 (Mar 23) to 103.43, marking an increase of 22.52.
For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 651.00. It has increased from 487.24 (Mar 23) to 651.00, marking an increase of 163.76.
For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 651.00. It has increased from 487.24 (Mar 23) to 651.00, marking an increase of 163.76.
For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 692.44. It has increased from 515.33 (Mar 23) to 692.44, marking an increase of 177.11.
For PBDIT / Share (Rs.), as of Mar 24, the value is 255.11. This value is within the healthy range. It has increased from 186.42 (Mar 23) to 255.11, marking an increase of 68.69.
For PBIT / Share (Rs.), as of Mar 24, the value is 249.46. This value is within the healthy range. It has increased from 182.16 (Mar 23) to 249.46, marking an increase of 67.30.
For PBT / Share (Rs.), as of Mar 24, the value is 134.04. This value is within the healthy range. It has increased from 105.55 (Mar 23) to 134.04, marking an increase of 28.49.
For Net Profit / Share (Rs.), as of Mar 24, the value is 97.78. This value is within the healthy range. It has increased from 76.66 (Mar 23) to 97.78, marking an increase of 21.12.
For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 51.11. This value is within the healthy range. It has increased from 40.29 (Mar 23) to 51.11, marking an increase of 10.82.
For PBDIT Margin (%), as of Mar 24, the value is 36.84. This value is within the healthy range. It has increased from 36.17 (Mar 23) to 36.84, marking an increase of 0.67.
For PBIT Margin (%), as of Mar 24, the value is 36.02. This value exceeds the healthy maximum of 20. It has increased from 35.34 (Mar 23) to 36.02, marking an increase of 0.68.
For PBT Margin (%), as of Mar 24, the value is 19.35. This value is within the healthy range. It has decreased from 20.48 (Mar 23) to 19.35, marking a decrease of 1.13.
For Net Profit Margin (%), as of Mar 24, the value is 14.12. This value exceeds the healthy maximum of 10. It has decreased from 14.87 (Mar 23) to 14.12, marking a decrease of 0.75.
For NP After MI And SOA Margin (%), as of Mar 24, the value is 7.38. This value is below the healthy minimum of 8. It has decreased from 7.81 (Mar 23) to 7.38, marking a decrease of 0.43.
For Return on Networth / Equity (%), as of Mar 24, the value is 13.50. This value is below the healthy minimum of 15. It has decreased from 13.82 (Mar 23) to 13.50, marking a decrease of 0.32.
For Return on Capital Employeed (%), as of Mar 24, the value is 13.93. This value is within the healthy range. It has increased from 13.70 (Mar 23) to 13.93, marking an increase of 0.23.
For Return On Assets (%), as of Mar 24, the value is 1.51. This value is below the healthy minimum of 5. It has decreased from 1.58 (Mar 23) to 1.51, marking a decrease of 0.07.
For Long Term Debt / Equity (X), as of Mar 24, the value is 2.92. This value exceeds the healthy maximum of 1. It has increased from 2.80 (Mar 23) to 2.92, marking an increase of 0.12.
For Total Debt / Equity (X), as of Mar 24, the value is 4.77. This value exceeds the healthy maximum of 1. It has increased from 4.56 (Mar 23) to 4.77, marking an increase of 0.21.
For Asset Turnover Ratio (%), as of Mar 24, the value is 0.23. It has increased from 0.01 (Mar 23) to 0.23, marking an increase of 0.22.
For Current Ratio (X), as of Mar 24, the value is 2.10. This value is within the healthy range. It has increased from 2.06 (Mar 23) to 2.10, marking an increase of 0.04.
For Quick Ratio (X), as of Mar 24, the value is 2.10. This value exceeds the healthy maximum of 2. It has increased from 2.06 (Mar 23) to 2.10, marking an increase of 0.04.
For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 1.56. This value is below the healthy minimum of 20. It has increased from 0.99 (Mar 23) to 1.56, marking an increase of 0.57.
For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 1.40. This value is below the healthy minimum of 20. It has increased from 0.89 (Mar 23) to 1.40, marking an increase of 0.51.
For Earning Retention Ratio (%), as of Mar 24, the value is 98.44. This value exceeds the healthy maximum of 70. It has decreased from 99.01 (Mar 23) to 98.44, marking a decrease of 0.57.
For Cash Earning Retention Ratio (%), as of Mar 24, the value is 98.60. This value exceeds the healthy maximum of 70. It has decreased from 99.11 (Mar 23) to 98.60, marking a decrease of 0.51.
For Interest Coverage Ratio (X), as of Mar 24, the value is 2.21. This value is below the healthy minimum of 3. It has decreased from 2.43 (Mar 23) to 2.21, marking a decrease of 0.22.
For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.85. This value is below the healthy minimum of 3. It has decreased from 2.00 (Mar 23) to 1.85, marking a decrease of 0.15.
For Enterprise Value (Cr.), as of Mar 24, the value is 580,673.63. It has increased from 438,933.70 (Mar 23) to 580,673.63, marking an increase of 141,739.93.
For EV / Net Operating Revenue (X), as of Mar 24, the value is 5.26. This value exceeds the healthy maximum of 3. It has decreased from 5.35 (Mar 23) to 5.26, marking a decrease of 0.09.
For EV / EBITDA (X), as of Mar 24, the value is 14.28. This value is within the healthy range. It has decreased from 14.78 (Mar 23) to 14.28, marking a decrease of 0.50.
For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 2.37. This value is within the healthy range. It has decreased from 2.46 (Mar 23) to 2.37, marking a decrease of 0.09.
For Retention Ratios (%), as of Mar 24, the value is 98.43. This value exceeds the healthy maximum of 70. It has decreased from 99.00 (Mar 23) to 98.43, marking a decrease of 0.57.
For Price / BV (X), as of Mar 24, the value is 4.34. This value exceeds the healthy maximum of 3. It has decreased from 4.35 (Mar 23) to 4.34, marking a decrease of 0.01.
For Price / Net Operating Revenue (X), as of Mar 24, the value is 2.37. This value is within the healthy range. It has decreased from 2.46 (Mar 23) to 2.37, marking a decrease of 0.09.
For EarningsYield, as of Mar 24, the value is 0.03. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 23) which recorded 0.03.
Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.
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Profitability Ratios (%)
Liquidity Ratios
Liquidity Ratios (%)
Interest Coverage Ratios (%)
Valuation Ratios
Fair Value
Fair Value of Bajaj Finserv Ltd as of June 13, 2025 is: 1,758.81
Calculation basis:
Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.
As of June 13, 2025, Bajaj Finserv Ltd is Overvalued by 12.54% compared to the current share price 2,011.00
Intrinsic Value of Bajaj Finserv Ltd as of June 13, 2025 is: 2,015.94
Calculation basis:
Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.
This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.
As of June 13, 2025, Bajaj Finserv Ltd is Undervalued by 0.25% compared to the current share price 2,011.00
Last 5 Year EPS CAGR: 14.62%
*Investments are subject to market risks
Strength and Weakness
Unable to fetch valid data for stock valuation.
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: 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 (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%: 13.5% (Industry Average ROE: 13.52%)
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: 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: 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: 36.2 (Industry average Stock P/E: 31.2)
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: 4.77
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.
The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions. Stock Rating:
About the Company - Qualitative Analysis
Bajaj Finserv Ltd. is a Public Limited Listed company incorporated on 30/04/2007 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65923PN2007PLC130075 and registration number is 130075. Currently Company is involved in the business activities of Life insurance. Company's Total Operating Revenue is Rs. 2261.68 Cr. and Equity Capital is Rs. 159.60 Cr. for the Year ended 31/03/2025.
INDUSTRY
ADDRESS
CONTACT
Holding Company
Bajaj Auto Limited Complex, Pune Maharashtra 411035
FAQ: Stock data is invalid or not in the correct format.
Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Bajaj Finserv Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
