Share Price and Basic Stock Data
Last Updated: February 14, 2026, 8:16 pm
| 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 the financial services sector, reported a share price of ₹2,028 and a market capitalization of ₹3,24,045 Cr. Over the recent quarters, the company demonstrated robust growth in sales, with quarterly revenues rising from ₹21,755 Cr in December 2022 to ₹29,038 Cr by December 2023, reflecting a consistent upward trajectory. The trailing twelve months (TTM) sales stood at ₹1,41,479 Cr, indicating a substantial increase from ₹82,072 Cr in March 2023. This growth trajectory aligns with the company’s strategic focus on expanding its financing and insurance operations. The operating profit margins (OPM) remained strong, averaging around 36% over this period, showcasing efficient cost management alongside revenue growth. Bajaj Finserv’s sales performance positions it favorably within the competitive landscape of Indian financial services, potentially outpacing sector averages, which typically hover around 25-30% for mature companies.
Profitability and Efficiency Metrics
The profitability metrics for Bajaj Finserv underline its operational efficiency and financial health. The net profit for the trailing twelve months reached ₹19,244 Cr, up from ₹12,210 Cr in March 2023, translating to an impressive year-on-year growth. The company reported a return on equity (ROE) of 13.4% and a return on capital employed (ROCE) of 11%, reflecting effective utilization of equity and capital. The interest coverage ratio, standing at 2.02x, indicates that Bajaj Finserv comfortably meets its interest obligations, a crucial factor given its borrowings of ₹3,92,202 Cr. The operating profit margin has shown resilience, averaging around 36% over the last several quarters, which is commendable in comparison to typical sector margins that range between 30-35%. However, the rising expenses, which increased from ₹13,924 Cr in December 2022 to ₹18,601 Cr in December 2023, warrant close monitoring to sustain profitability.
Balance Sheet Strength and Financial Ratios
Bajaj Finserv’s balance sheet reflects a solid financial foundation, with total assets reported at ₹7,07,515 Cr as of September 2025. The company’s equity capital has increased slightly to ₹160 Cr, while reserves have climbed to ₹76,331 Cr, demonstrating a healthy accumulation of retained earnings. The total borrowings have also risen significantly, from ₹2,12,265 Cr in March 2023 to ₹3,92,202 Cr, leading to a high debt-to-equity ratio of 4.89x. While this indicates a leveraged position, the interest coverage ratio of 2.02x provides assurance regarding the company’s ability to manage its debt. The price-to-book value ratio is noted at 4.42x, suggesting a premium valuation relative to its book value of ₹453.60 per share. These financial metrics highlight Bajaj Finserv’s growth strategy, albeit with an associated risk profile that requires careful assessment of its debt levels in a fluctuating interest rate environment.
Shareholding Pattern and Investor Confidence
The shareholding structure of Bajaj Finserv reveals a significant degree of promoter confidence, with promoters holding 58.81% of the total shares as of September 2025. This is a slight decline from 60.75% in December 2022, indicating a gradual dilution but still reflecting substantial insider ownership. Foreign institutional investors (FIIs) have increased their stake to 8.11%, while domestic institutional investors (DIIs) have also shown increased interest, holding 10.49%. The public shareholding has hovered around 22.52%, which indicates a stable retail investor base. The total number of shareholders stood at 6,39,624, suggesting a healthy interest in the stock. The gradual increase of institutional holdings is a positive sign for investor confidence, although the slight decline in promoter holdings may raise questions about the long-term commitment of insiders.
Outlook, Risks, and Final Insight
Bajaj Finserv’s outlook appears promising, supported by its strong revenue growth and profitability metrics. However, the company faces several risks, particularly related to its high leverage and rising expenses. The increasing borrowings could pose a challenge if interest rates continue to rise, impacting profitability. Additionally, the company’s reliance on debt financing necessitates vigilance in managing interest obligations. On the flip side, if Bajaj Finserv successfully navigates these challenges, it could leverage its strong market position to capture further growth opportunities in the financial services sector. The increasing institutional interest may also provide a buffer against volatility, suggesting confidence in the company’s strategic direction. Overall, while there are inherent risks, the fundamentals present a compelling case for continued monitoring and potential investment in Bajaj Finserv.
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 | 16,794 Cr. | 754 | 860/438 | 80.3 | 54.9 | 0.00 % | 20.0 % | 19.6 % | 10.0 |
| Abans Holdings Ltd | 1,019 Cr. | 201 | 270/171 | 7.92 | 233 | 0.00 % | 9.71 % | 10.2 % | 2.00 |
| Max India Ltd | 893 Cr. | 170 | 242/141 | 89.1 | 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 | 1,522 Cr. | 404 | 562/360 | 9.25 | 1,880 | 0.00 % | 4.62 % | 3.39 % | 5.00 |
| Industry Average | 68,838.29 Cr | 2,077.29 | 27.81 | 1,273.51 | 0.26% | 12.46% | 13.71% | 6.86 |
Quarterly Result
| Metric | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 21,755 | 23,625 | 23,280 | 26,023 | 29,038 | 32,041 | 31,480 | 33,704 | 32,042 | 36,595 | 35,439 | 37,403 | 39,708 |
| Expenses | 13,924 | 15,470 | 13,935 | 16,073 | 18,601 | 21,108 | 19,655 | 21,420 | 19,669 | 23,868 | 21,124 | 23,352 | 25,842 |
| Operating Profit | 7,831 | 8,154 | 9,345 | 9,950 | 10,438 | 10,933 | 11,825 | 12,283 | 12,373 | 12,728 | 14,315 | 14,050 | 13,866 |
| OPM % | 36% | 35% | 40% | 38% | 36% | 34% | 38% | 36% | 39% | 35% | 40% | 38% | 35% |
| Other Income | 0 | 2 | 3 | 0 | 2 | 4 | 3 | 3 | 3 | 10 | 13 | 3 | -378 |
| Interest | 3,241 | 3,436 | 4,020 | 4,449 | 4,777 | 5,154 | 5,592 | 6,046 | 6,276 | 6,396 | 6,807 | 6,901 | 7,232 |
| Depreciation | 172 | 181 | 202 | 209 | 232 | 257 | 267 | 275 | 288 | 339 | 317 | 327 | 330 |
| Profit before tax | 4,419 | 4,540 | 5,125 | 5,292 | 5,431 | 5,527 | 5,968 | 5,966 | 5,812 | 6,002 | 7,204 | 6,825 | 5,926 |
| Tax % | 25% | 27% | 28% | 29% | 26% | 26% | 29% | 30% | 24% | 21% | 26% | 30% | 26% |
| Net Profit | 3,300 | 3,335 | 3,709 | 3,756 | 4,045 | 4,085 | 4,209 | 4,180 | 4,412 | 4,756 | 5,329 | 4,746 | 4,368 |
| EPS in Rs | 11.19 | 11.11 | 12.20 | 12.09 | 13.52 | 13.28 | 13.39 | 13.07 | 13.97 | 15.14 | 17.46 | 14.04 | 13.95 |
Last Updated: February 7, 2026, 12:03 am
Below is a detailed analysis of the quarterly data for Bajaj Finserv Ltd based on the most recent figures (Dec 2025) and their trends compared to the previous period:
- For Sales, as of Dec 2025, the value is 39,708.00 Cr.. The value appears strong and on an upward trend. It has increased from 37,403.00 Cr. (Sep 2025) to 39,708.00 Cr., marking an increase of 2,305.00 Cr..
- For Expenses, as of Dec 2025, the value is 25,842.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 23,352.00 Cr. (Sep 2025) to 25,842.00 Cr., marking an increase of 2,490.00 Cr..
- For Operating Profit, as of Dec 2025, the value is 13,866.00 Cr.. The value appears to be declining and may need further review. It has decreased from 14,050.00 Cr. (Sep 2025) to 13,866.00 Cr., marking a decrease of 184.00 Cr..
- For OPM %, as of Dec 2025, the value is 35.00%. The value appears to be declining and may need further review. It has decreased from 38.00% (Sep 2025) to 35.00%, marking a decrease of 3.00%.
- For Other Income, as of Dec 2025, the value is -378.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3.00 Cr. (Sep 2025) to -378.00 Cr., marking a decrease of 381.00 Cr..
- For Interest, as of Dec 2025, the value is 7,232.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,901.00 Cr. (Sep 2025) to 7,232.00 Cr., marking an increase of 331.00 Cr..
- For Depreciation, as of Dec 2025, the value is 330.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 327.00 Cr. (Sep 2025) to 330.00 Cr., marking an increase of 3.00 Cr..
- For Profit before tax, as of Dec 2025, the value is 5,926.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,825.00 Cr. (Sep 2025) to 5,926.00 Cr., marking a decrease of 899.00 Cr..
- For Tax %, as of Dec 2025, the value is 26.00%. The value appears to be improving (decreasing) as expected. It has decreased from 30.00% (Sep 2025) to 26.00%, marking a decrease of 4.00%.
- For Net Profit, as of Dec 2025, the value is 4,368.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4,746.00 Cr. (Sep 2025) to 4,368.00 Cr., marking a decrease of 378.00 Cr..
- For EPS in Rs, as of Dec 2025, the value is 13.95. The value appears to be declining and may need further review. It has decreased from 14.04 (Sep 2025) to 13.95, marking a decrease of 0.09.
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 | 4.72 | 2039.9 | N/A | N/A | N/A |
| ICICI Prudential Multi Asset Fund | 5,301,470 | 1.38 | 1081.45 | 3,035,315 | 2026-01-26 02:47:41 | 74.66% |
| HDFC Large Cap Fund | 4,165,247 | 2.09 | 849.67 | 4,065,247 | 2025-12-15 01:16:55 | 2.46% |
| SBI Multicap Fund | 3,740,000 | 3.22 | 762.92 | N/A | N/A | N/A |
| SBI Banking & Financial Services Fund | 3,411,808 | 6.89 | 695.97 | 2,802,018 | 2025-12-15 01:16:55 | 21.76% |
| ICICI Prudential Value Fund | 3,295,776 | 1.1 | 672.31 | 2,535,285 | 2026-01-26 02:47:41 | 30% |
| ICICI Prudential Large & Mid Cap Fund | 2,731,308 | 2.01 | 557.16 | N/A | N/A | N/A |
| HDFC Balanced Advantage Fund | 2,518,500 | 0.47 | 513.75 | N/A | N/A | N/A |
| ICICI Prudential Balanced Advantage Fund | 2,445,936 | 0.71 | 498.95 | N/A | N/A | N/A |
| Aditya Birla Sun Life Flexi Cap Fund | 2,014,387 | 1.64 | 410.91 | 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: 27.81)
- 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 14 February 2026) is ₹1969.73 which is 2.63% lower the current market price of ₹2,023.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's ₹3,23,270 Cr. market cap, FY2025-2026 high/low of ₹2,195/1,733, 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 3,23,270 Cr..
What is the current Stock Price of Bajaj Finserv Ltd as on 14 February 2026?
The current stock price of Bajaj Finserv Ltd as on 14 February 2026 is ₹2,023.
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 ₹2,195/1,733.
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.