Share Price and Basic Stock Data
Last Updated: December 6, 2025, 8:16 pm
| PEG Ratio | 2.19 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bajaj Finserv Ltd has carved a significant niche in the Indian financial services sector, acting primarily as a holding company for its various subsidiaries in lending, insurance, and asset management. The company reported a remarkable revenue of ₹82,072 Cr for FY 2023, which is a significant increase from ₹68,406 Cr in FY 2022. This upward trajectory continued into FY 2024, with revenues projected to reach ₹110,382 Cr, marking a robust growth story. The quarterly sales have shown a consistent rise, with Q4 FY 2024 achieving ₹32,041 Cr, up from ₹23,625 Cr in Q4 FY 2023. This growth is reflective of strong demand across its product lines, particularly in the lending segment, where Bajaj Finserv has established a formidable presence. The company’s strategy of diversifying its offerings and enhancing customer outreach appears to have paid off, as evidenced by the steady revenue increases over the past few years.
Profitability and Efficiency Metrics
When evaluating profitability, Bajaj Finserv reported a net profit of ₹18,678 Cr for FY 2025, up from ₹17,558 Cr in FY 2024, showcasing a solid year-on-year growth. Its operating profit margin (OPM) stood at a healthy 37% for FY 2025, reflecting the company’s ability to maintain a strong cost structure while driving sales. The interest coverage ratio, at 2.02x, indicates that the company is comfortably positioned to meet its interest obligations, despite rising borrowings that reached ₹392,202 Cr. However, the return on equity (ROE) of 13.4% suggests that while Bajaj Finserv is profitable, there is room for improvement in generating higher returns for shareholders. The cash conversion cycle (CCC) of 23 days is also a point of interest; it suggests efficient management of working capital, though it has seen a slight increase, indicating a need for continuous monitoring.
Balance Sheet Strength and Financial Ratios
Bajaj Finserv’s balance sheet reflects a robust financial position, with total assets reported at ₹651,519 Cr as of FY 2025, supported by reserves of ₹76,331 Cr. The company’s debt-to-equity ratio, at 4.89x, raises eyebrows, given its high reliance on borrowings, which have surged significantly over the years. This level of leverage can be a double-edged sword; while it enables growth and expansion, it also poses risks, especially in a rising interest rate environment. The price-to-book value (P/BV) ratio of 4.42x suggests that the stock is trading at a premium, indicating investor confidence, but it also raises questions about valuation sustainability. The liquidity ratios, including a current ratio of 1.24, suggest that Bajaj Finserv maintains adequate short-term assets to cover its liabilities, contributing to a sense of financial security.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Bajaj Finserv indicates strong promoter backing, with promoters holding 58.81% as of FY 2025. This level of control can instill confidence among retail investors, as it suggests a commitment to the long-term vision of the company. Foreign institutional investors (FIIs) hold 8.11%, while domestic institutional investors (DIIs) account for 10.49%, reflecting a healthy interest from institutional players. However, the public shareholding has seen a gradual decline to 22.52%, which may raise concerns about broader market participation. The increase in DII holdings over the past year could signal a growing confidence in Bajaj Finserv’s operational and financial capabilities. Nevertheless, the fluctuation in public shares warrants attention; sustained engagement could be crucial for maintaining a balanced investor sentiment.
Outlook, Risks, and Final Insight
Looking ahead, Bajaj Finserv appears well-positioned to capitalize on the growing demand for financial services in India, thanks to its diversified portfolio. However, potential risks loom, particularly around its high leverage and the economic conditions that could affect borrowing costs and consumer demand. The rising interest rates may squeeze margins, which could impact profitability despite the company’s strong revenue growth. Additionally, regulatory changes in the financial services sector could pose challenges. Investors should weigh these risks against the solid fundamentals displayed by Bajaj Finserv. The company’s ability to navigate these challenges while continuing to grow its market presence will be crucial. For retail investors, Bajaj Finserv presents an intriguing blend of growth potential and risk, making it essential to stay informed and consider both sides of the equation before making investment decisions.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Bajaj Finserv Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Choice International Ltd | 16,453 Cr. | 766 | 841/438 | 90.7 | 59.5 | 0.00 % | 20.0 % | 19.6 % | 10.0 |
| Abans Holdings Ltd | 1,018 Cr. | 201 | 370/165 | 8.32 | 233 | 0.00 % | 9.71 % | 10.2 % | 2.00 |
| Max India Ltd | 1,009 Cr. | 193 | 312/160 | 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 | 1,586 Cr. | 421 | 765/398 | 19.3 | 1,880 | 0.00 % | 4.62 % | 3.39 % | 5.00 |
| Industry Average | 70,947.14 Cr | 2,137.86 | 31.72 | 1,274.21 | 0.26% | 12.46% | 13.71% | 6.86 |
Quarterly Result
| Metric | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 15,888 | 20,803 | 21,755 | 23,625 | 23,280 | 26,023 | 29,038 | 32,041 | 31,480 | 33,704 | 32,042 | 36,595 | 35,439 |
| Expenses | 9,573 | 13,416 | 13,924 | 15,470 | 13,935 | 16,073 | 18,601 | 21,108 | 19,655 | 21,420 | 19,669 | 23,868 | 21,124 |
| Operating Profit | 6,315 | 7,387 | 7,831 | 8,154 | 9,345 | 9,950 | 10,438 | 10,933 | 11,825 | 12,283 | 12,373 | 12,728 | 14,315 |
| OPM % | 40% | 36% | 36% | 35% | 40% | 38% | 36% | 34% | 38% | 36% | 39% | 35% | 40% |
| Other Income | 0 | 0 | 0 | 2 | 3 | 0 | 2 | 4 | 3 | 3 | 3 | 10 | 13 |
| Interest | 2,564 | 2,961 | 3,241 | 3,436 | 4,020 | 4,449 | 4,777 | 5,154 | 5,592 | 6,046 | 6,276 | 6,396 | 6,807 |
| Depreciation | 157 | 168 | 172 | 181 | 202 | 209 | 232 | 257 | 267 | 275 | 288 | 339 | 317 |
| Profit before tax | 3,594 | 4,258 | 4,419 | 4,540 | 5,125 | 5,292 | 5,431 | 5,527 | 5,968 | 5,966 | 5,812 | 6,002 | 7,204 |
| Tax % | 28% | 30% | 25% | 27% | 28% | 29% | 26% | 26% | 29% | 30% | 24% | 21% | 26% |
| Net Profit | 2,578 | 2,997 | 3,300 | 3,335 | 3,709 | 3,756 | 4,045 | 4,085 | 4,209 | 4,180 | 4,412 | 4,756 | 5,329 |
| EPS in Rs | 8.23 | 9.77 | 11.19 | 11.11 | 12.20 | 12.09 | 13.52 | 13.28 | 13.39 | 13.07 | 13.97 | 15.14 | 17.46 |
Last Updated: August 2, 2025, 1:15 am
Below is a detailed analysis of the quarterly data for Bajaj Finserv Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Sales, as of Jun 2025, the value is 35,439.00 Cr.. The value appears to be declining and may need further review. It has decreased from 36,595.00 Cr. (Mar 2025) to 35,439.00 Cr., marking a decrease of 1,156.00 Cr..
- For Expenses, as of Jun 2025, the value is 21,124.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 23,868.00 Cr. (Mar 2025) to 21,124.00 Cr., marking a decrease of 2,744.00 Cr..
- For Operating Profit, as of Jun 2025, the value is 14,315.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,728.00 Cr. (Mar 2025) to 14,315.00 Cr., marking an increase of 1,587.00 Cr..
- For OPM %, as of Jun 2025, the value is 40.00%. The value appears strong and on an upward trend. It has increased from 35.00% (Mar 2025) to 40.00%, marking an increase of 5.00%.
- For Other Income, as of Jun 2025, the value is 13.00 Cr.. The value appears strong and on an upward trend. It has increased from 10.00 Cr. (Mar 2025) to 13.00 Cr., marking an increase of 3.00 Cr..
- For Interest, as of Jun 2025, the value is 6,807.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,396.00 Cr. (Mar 2025) to 6,807.00 Cr., marking an increase of 411.00 Cr..
- For Depreciation, as of Jun 2025, the value is 317.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 339.00 Cr. (Mar 2025) to 317.00 Cr., marking a decrease of 22.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 7,204.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,002.00 Cr. (Mar 2025) to 7,204.00 Cr., marking an increase of 1,202.00 Cr..
- For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 21.00% (Mar 2025) to 26.00%, marking an increase of 5.00%.
- For Net Profit, as of Jun 2025, the value is 5,329.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,756.00 Cr. (Mar 2025) to 5,329.00 Cr., marking an increase of 573.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 17.46. The value appears strong and on an upward trend. It has increased from 15.14 (Mar 2025) to 17.46, marking an increase of 2.32.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: August 22, 2025, 4:15 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 | 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 | 137,780 |
| 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 | 86,081 |
| 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 | 51,699 |
| 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 | 30 |
| 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 | 25,525 |
| Depreciation | 31 | 38 | 58 | 73 | 160 | 226 | 457 | 498 | 563 | 678 | 900 | 1,170 | 1,221 |
| 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 | 24,983 |
| 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 | 18,678 |
| 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 | 59.64 |
| 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 - No data available for this post.
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 Nifty 50 ETF | 9,821,839 | 0.93 | 1598.31 | 9,821,839 | 2025-04-22 17:25:45 | 0% |
| SBI S&P BSE Sensex ETF | 6,947,282 | 1.08 | 1130.43 | 6,947,282 | 2025-04-22 17:25:45 | 0% |
| Axis ELSS Tax Saver Fund | 6,083,354 | 2.95 | 989.94 | 6,083,354 | 2025-04-22 17:25:45 | 0% |
| Axis Focused 25 Fund | 3,894,424 | 4.57 | 633.74 | 3,894,424 | 2025-04-22 17:25:45 | 0% |
| Axis Bluechip Fund | 3,809,216 | 1.9 | 619.87 | 3,809,216 | 2025-04-22 11:41:35 | 0% |
| UTI Nifty 50 ETF | 2,719,873 | 0.93 | 442.6 | 2,719,873 | 2025-04-22 17:25:45 | 0% |
| UTI S&P BSE Sensex ETF | 2,396,346 | 1.08 | 389.92 | 2,396,346 | 2025-04-22 05:07:38 | 0% |
| HDFC Balanced Advantage Fund - Regular Plan | 1,869,000 | 0.39 | 304.14 | 1,869,000 | 2025-04-22 17:25:45 | 0% |
| Nippon India ETF Nifty 50 BeES | 1,159,782 | 0.93 | 188.73 | 1,159,782 | 2025-04-22 09:14:30 | 0% |
| UTI Nifty 50 Index Fund | 873,716 | 0.93 | 142.18 | 873,716 | 2025-04-22 17:25:45 | 0% |
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: 34.6 (Industry average Stock P/E: 27.19)
- 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%
Fundamental Analysis of Bajaj Finserv Ltd
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Holding Company | Bajaj Auto Limited Complex, Pune Maharashtra 411035 | investors@bajajfinserv.in http://www.bajajfinserv.in |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Sanjiv Bajaj | Chairman & Managing Director |
| Mrs. Radhika Haribhakti | Director |
| Mr. Madhur Bajaj | Director |
| Mr. Rajiv Bajaj | Director |
| Mr. D J Balaji Rao | Director |
| Mr. Pramit Jhaveri | Director |
| Dr. Naushad Forbes | Director |
| Mr. Anami N Roy | Director |
| Mr. Manish Kejriwal | Director |
Bajaj Finserv Ltd. Share Price Update | |
|---|---|
| Share Price | Value |
| Today | ₹1,585.60 |
| Previous Day | ₹1,586.30 |
FAQ
What is the intrinsic value of Bajaj Finserv Ltd?
Bajaj Finserv Ltd's intrinsic value (as of 06 December 2025) is 1777.56 which is 15.19% lower the current market price of 2,096.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 3,34,982 Cr. market cap, FY2025-2026 high/low of 2,195/1,552, 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 3,34,982 Cr..
What is the current Stock Price of Bajaj Finserv Ltd as on 06 December 2025?
The current stock price of Bajaj Finserv Ltd as on 06 December 2025 is 2,096.
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 2,195/1,552.
What is the Stock P/E of Bajaj Finserv Ltd?
The Stock P/E of Bajaj Finserv Ltd is 34.6.
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.