Share Price and Basic Stock Data
Last Updated: November 28, 2025, 7:40 am
| PEG Ratio | 1.72 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bajaj Finance Ltd, a prominent player in the Non-Banking Financial Company (NBFC) sector, reported a share price of ₹1,011 and a market capitalization of ₹6,29,096 Cr. The company has shown impressive revenue growth, with total revenue rising from ₹31,641 Cr in FY 2022 to ₹41,411 Cr in FY 2023, and further projected to reach ₹54,974 Cr in FY 2024. Quarterly revenue figures reflect a consistent upward trajectory, climbing from ₹9,284 Cr in June 2022 to ₹14,164 Cr by December 2023. The revenue growth is underpinned by robust demand for consumer finance products and effective risk management strategies, supported by strong financing margins that stood at 39% in FY 2023. The company has also diversified its income streams, with other income reported at ₹5 Cr in June 2023, contributing to overall revenue stability. This revenue performance positions Bajaj Finance favorably within the competitive landscape of Indian NBFCs.
Profitability and Efficiency Metrics
Bajaj Finance reported a net profit of ₹18,567 Cr for the latest fiscal year, reflecting a strong growth trajectory from ₹11,508 Cr in FY 2023. The net profit margin stood at 24.05% in FY 2025, demonstrating the company’s ability to efficiently convert revenue into profit. The return on equity (ROE) was reported at 19.2%, which is competitive compared to industry averages, indicating effective use of shareholder funds. The interest coverage ratio (ICR) of 1.93x suggests that Bajaj Finance comfortably meets its interest obligations, although it has slightly declined from previous years, indicating potential pressure on profitability. Meanwhile, the gross non-performing asset (NPA) ratio was reported at 0.95% in December 2023, showcasing strong asset quality management. These profitability and efficiency metrics underscore Bajaj Finance’s operational effectiveness and robust financial health.
Balance Sheet Strength and Financial Ratios
Bajaj Finance’s balance sheet reflects solid financial health, with total assets growing from ₹275,226 Cr in FY 2023 to ₹466,127 Cr in FY 2025. The company reported reserves of ₹96,569 Cr, which bolsters its capacity for future growth and provides a cushion against potential financial adversities. The debt-to-equity ratio stood at 3.74x, indicating a leveraged position typical for NBFCs aiming for growth. The price-to-book value ratio was reported at 5.75x, suggesting that the market values the company at a premium relative to its book value, reflecting investor confidence in its growth prospects. Additionally, Bajaj Finance’s return on capital employed (ROCE) was recorded at 11.4%, highlighting efficient capital utilization. These financial ratios and balance sheet strength affirm Bajaj Finance’s stability and growth potential within a competitive market.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Bajaj Finance demonstrates a stable distribution of ownership, with promoters holding 54.67% of the equity as of March 2025. This level of promoter holding signifies strong management control, which is often viewed positively by investors. Foreign Institutional Investors (FIIs) accounted for 21.97% of the shareholding, reflecting significant international interest in the company. Domestic Institutional Investors (DIIs) held 14.39%, indicating solid domestic institutional backing. The number of shareholders increased to 9,41,999, suggesting growing retail investor participation. However, the public shareholding has gradually decreased from 11.60% in December 2022 to 8.78% in March 2025, which could raise concerns regarding liquidity. Overall, the shareholding structure reflects confidence in Bajaj Finance’s operational strategies and growth trajectory.
Outlook, Risks, and Final Insight
Bajaj Finance is well-positioned for continued growth, with a strong focus on expanding its product offerings and customer base. However, risks such as increasing competition in the NBFC sector and potential rises in interest rates could impact profitability. The company’s asset quality, while currently strong, remains a critical focus area, especially as economic conditions fluctuate. Additionally, the reliance on external borrowings to fuel growth may pose risks if financial markets tighten. In a scenario where economic conditions remain stable, Bajaj Finance could leverage its strong market position to enhance profitability. Conversely, in a tightening credit environment, the company may face challenges in maintaining its growth trajectory. Overall, Bajaj Finance’s strengths in revenue growth and profitability metrics position it favorably, but vigilance regarding market conditions and operational efficiency will be essential for sustaining its success.
Source: Getaka Fundamental Analysis | Generated using proprietary financial data.
Competitors of Bajaj Finance Ltd
| Stock Name ⇩ | Market Cap ⇩ | Current Price ⇩ | High / Low ⇩ | Stock P/E ⇩ | Book Value ⇩ | Dividend Yield ⇩ | ROCE ⇩ | ROE ⇩ | Face Value ⇩ |
|---|---|---|---|---|---|---|---|---|---|
| Minolta Finance Ltd | 12.1 Cr. | 1.21 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 8.93 Cr. | 0.89 | 9.75/0.85 | 26.3 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 453 Cr. | 139 | 269/130 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 14.3 Cr. | 15.6 | 35.2/15.0 | 10.6 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 39.5 Cr. | 87.7 | 180/79.1 | 21.1 | 238 | 1.14 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 30,495.97 Cr | 464.19 | 56.17 | 522.84 | 0.22% | 15.80% | 8.84% | 8.50 |
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 9,284 | 9,970 | 10,787 | 11,364 | 12,498 | 13,382 | 14,164 | 14,926 | 16,100 | 17,091 | 18,035 | 18,457 | 19,524 |
| Interest | 2,645 | 2,972 | 3,351 | 3,592 | 4,103 | 4,537 | 4,868 | 5,217 | 5,684 | 6,149 | 6,386 | 6,552 | 6,918 |
| Expenses | 3,026 | 3,129 | 3,308 | 3,382 | 3,693 | 3,931 | 4,229 | 4,420 | 4,956 | 5,338 | 5,691 | 6,026 | 5,992 |
| Financing Profit | 3,613 | 3,869 | 4,129 | 4,390 | 4,703 | 4,914 | 5,066 | 5,289 | 5,460 | 5,604 | 5,958 | 5,879 | 6,614 |
| Financing Margin % | 39% | 39% | 38% | 39% | 38% | 37% | 36% | 35% | 34% | 33% | 33% | 32% | 34% |
| Other Income | 2 | 4 | 2 | 5 | 5 | 2 | 5 | 9 | 5 | 8 | 26 | 21 | 5 |
| Depreciation | 111 | 121 | 119 | 134 | 156 | 159 | 176 | 193 | 200 | 210 | 219 | 252 | 251 |
| Profit before tax | 3,503 | 3,752 | 4,012 | 4,261 | 4,551 | 4,758 | 4,896 | 5,105 | 5,265 | 5,401 | 5,765 | 5,647 | 6,368 |
| Tax % | 26% | 26% | 26% | 26% | 24% | 25% | 26% | 25% | 26% | 26% | 25% | 20% | 25% |
| Net Profit | 2,596 | 2,781 | 2,973 | 3,158 | 3,437 | 3,551 | 3,639 | 3,825 | 3,912 | 4,014 | 4,308 | 4,546 | 4,765 |
| EPS in Rs | 4.29 | 4.59 | 4.91 | 5.22 | 5.67 | 5.86 | 5.89 | 6.18 | 6.32 | 6.46 | 6.86 | 7.21 | 7.56 |
| Gross NPA % | 1.25% | 1.17% | 1.14% | 0.94% | 0.87% | 0.91% | 0.95% | 0.85% | 0.86% | 1.06% | 1.12% | 0.96% | 1.03% |
| Net NPA % | 0.51% | 0.44% | 0.41% | 0.34% | 0.31% | 0.31% | 0.37% | 0.37% | 0.38% | 0.46% | 0.48% | 0.44% | 0.50% |
Last Updated: August 1, 2025, 11:40 pm
Below is a detailed analysis of the quarterly data for Bajaj Finance Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:
- For Interest, as of Jun 2025, the value is 6,918.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,552.00 Cr. (Mar 2025) to 6,918.00 Cr., marking an increase of 366.00 Cr..
- For Expenses, as of Jun 2025, the value is 5,992.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 6,026.00 Cr. (Mar 2025) to 5,992.00 Cr., marking a decrease of 34.00 Cr..
- For Other Income, as of Jun 2025, the value is 5.00 Cr.. The value appears to be declining and may need further review. It has decreased from 21.00 Cr. (Mar 2025) to 5.00 Cr., marking a decrease of 16.00 Cr..
- For Depreciation, as of Jun 2025, the value is 251.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 252.00 Cr. (Mar 2025) to 251.00 Cr., marking a decrease of 1.00 Cr..
- For Profit before tax, as of Jun 2025, the value is 6,368.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,647.00 Cr. (Mar 2025) to 6,368.00 Cr., marking an increase of 721.00 Cr..
- For Tax %, as of Jun 2025, the value is 25.00%. The value appears to be increasing, which may not be favorable. It has increased from 20.00% (Mar 2025) to 25.00%, marking an increase of 5.00%.
- For Net Profit, as of Jun 2025, the value is 4,765.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,546.00 Cr. (Mar 2025) to 4,765.00 Cr., marking an increase of 219.00 Cr..
- For EPS in Rs, as of Jun 2025, the value is 7.56. The value appears strong and on an upward trend. It has increased from 7.21 (Mar 2025) to 7.56, marking an increase of 0.35.
Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.
Profit & Loss - Annual Report
Last Updated: November 15, 2025, 5:41 am
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,392 | 7,299 | 9,970 | 12,746 | 18,487 | 26,374 | 26,673 | 31,641 | 41,411 | 54,974 | 69,709 | 76,195 |
| Interest | 2,274 | 2,959 | 3,853 | 4,696 | 6,723 | 9,608 | 9,519 | 9,855 | 12,701 | 18,886 | 24,992 | 26,867 |
| Expenses | 1,752 | 2,354 | 3,250 | 4,115 | 5,454 | 9,159 | 10,839 | 11,880 | 12,693 | 16,099 | 21,754 | 24,016 |
| Financing Profit | 1,367 | 1,986 | 2,867 | 3,935 | 6,310 | 7,608 | 6,314 | 9,906 | 16,018 | 19,989 | 22,963 | 25,312 |
| Financing Margin % | 25% | 27% | 29% | 31% | 34% | 29% | 24% | 31% | 39% | 36% | 33% | 33% |
| Other Income | 26 | 35 | 22 | 10 | 13 | 9 | 3 | -17 | -5 | 4 | -2 | 57 |
| Depreciation | 36 | 56 | 71 | 102 | 144 | 295 | 325 | 385 | 485 | 683 | 881 | 981 |
| Profit before tax | 1,357 | 1,965 | 2,817 | 3,843 | 6,179 | 7,322 | 5,992 | 9,504 | 15,528 | 19,310 | 22,080 | 24,389 |
| Tax % | 34% | 35% | 35% | 35% | 35% | 28% | 26% | 26% | 26% | 25% | 24% | |
| Net Profit | 898 | 1,279 | 1,836 | 2,496 | 3,995 | 5,264 | 4,420 | 7,028 | 11,508 | 14,451 | 16,779 | 18,567 |
| EPS in Rs | 1.79 | 2.37 | 3.34 | 4.32 | 6.91 | 8.75 | 7.33 | 11.61 | 19.01 | 23.35 | 26.77 | 29.47 |
| Dividend Payout % | 10% | 10% | 11% | 9% | 9% | 11% | 14% | 17% | 16% | 15% | 21% |
YoY Net Profit Growth
| Year | 2015-2016 | 2016-2017 | 2017-2018 | 2018-2019 | 2019-2020 | 2020-2021 | 2021-2022 | 2022-2023 | 2023-2024 | 2024-2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| YoY Net Profit Growth (%) | 42.43% | 43.55% | 35.95% | 60.06% | 31.76% | -16.03% | 59.00% | 63.75% | 25.57% | 16.11% |
| Change in YoY Net Profit Growth (%) | 0.00% | 1.12% | -7.60% | 24.11% | -28.29% | -47.80% | 75.04% | 4.74% | -38.17% | -9.46% |
Bajaj Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 10 years from 2015-2016 to 2024-2025.
Growth
| Compounded Sales Growth | |
|---|---|
| 10 Years: | 29% |
| 5 Years: | 21% |
| 3 Years: | 30% |
| TTM: | 25% |
| Compounded Profit Growth | |
|---|---|
| 10 Years: | 34% |
| 5 Years: | 26% |
| 3 Years: | 33% |
| TTM: | 17% |
| Stock Price CAGR | |
|---|---|
| 10 Years: | 34% |
| 5 Years: | 21% |
| 3 Years: | 9% |
| 1 Year: | 28% |
| Return on Equity | |
|---|---|
| 10 Years: | 20% |
| 5 Years: | 20% |
| 3 Years: | 21% |
| Last Year: | 19% |
Last Updated: September 5, 2025, 12:20 am
Balance Sheet
Last Updated: July 25, 2025, 3:32 pm
| Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 50 | 54 | 109 | 115 | 115 | 120 | 120 | 121 | 121 | 124 | 124 |
| Reserves | 4,750 | 7,373 | 9,491 | 15,733 | 19,582 | 32,208 | 36,798 | 43,592 | 54,251 | 76,572 | 96,569 |
| Borrowing | 26,655 | 37,025 | 49,250 | 66,557 | 101,588 | 129,806 | 131,634 | 165,232 | 216,690 | 293,346 | 361,249 |
| Other Liabilities | 1,325 | 2,522 | 4,881 | 2,393 | 2,948 | 2,257 | 2,918 | 3,562 | 4,164 | 5,700 | 8,185 |
| Total Liabilities | 32,780 | 46,973 | 63,731 | 84,798 | 124,233 | 164,391 | 171,470 | 212,506 | 275,226 | 375,742 | 466,127 |
| Fixed Assets | 252 | 290 | 366 | 470 | 695 | 1,321 | 1,316 | 1,716 | 2,308 | 3,250 | 3,780 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 51 | 34 | 80 | 43 | 41 |
| Investments | 326 | 1,029 | 4,070 | 3,139 | 8,599 | 17,544 | 18,397 | 12,246 | 22,752 | 30,881 | 34,441 |
| Other Assets | 32,201 | 45,654 | 59,295 | 81,189 | 114,939 | 145,526 | 151,707 | 198,510 | 250,087 | 341,568 | 427,865 |
| Total Assets | 32,780 | 46,973 | 63,731 | 84,798 | 124,233 | 164,391 | 171,470 | 212,506 | 275,226 | 375,742 | 466,127 |
Below is a detailed analysis of the balance sheet data for Bajaj Finance Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:
- For Equity Capital, as of Mar 2025, the value is 124.00 Cr.. The value remains steady. There is no change compared to the previous period (Mar 2024) which recorded 124.00 Cr..
- For Reserves, as of Mar 2025, the value is 96,569.00 Cr.. The value appears strong and on an upward trend. It has increased from 76,572.00 Cr. (Mar 2024) to 96,569.00 Cr., marking an increase of 19,997.00 Cr..
- For Other Liabilities, as of Mar 2025, the value is 8,185.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5,700.00 Cr. (Mar 2024) to 8,185.00 Cr., marking an increase of 2,485.00 Cr..
- For Total Liabilities, as of Mar 2025, the value is 466,127.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 375,742.00 Cr. (Mar 2024) to 466,127.00 Cr., marking an increase of 90,385.00 Cr..
- For Fixed Assets, as of Mar 2025, the value is 3,780.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,250.00 Cr. (Mar 2024) to 3,780.00 Cr., marking an increase of 530.00 Cr..
- For CWIP, as of Mar 2025, the value is 41.00 Cr.. The value appears to be declining and may need further review. It has decreased from 43.00 Cr. (Mar 2024) to 41.00 Cr., marking a decrease of 2.00 Cr..
- For Investments, as of Mar 2025, the value is 34,441.00 Cr.. The value appears strong and on an upward trend. It has increased from 30,881.00 Cr. (Mar 2024) to 34,441.00 Cr., marking an increase of 3,560.00 Cr..
- For Other Assets, as of Mar 2025, the value is 427,865.00 Cr.. The value appears strong and on an upward trend. It has increased from 341,568.00 Cr. (Mar 2024) to 427,865.00 Cr., marking an increase of 86,297.00 Cr..
- For Total Assets, as of Mar 2025, the value is 466,127.00 Cr.. The value appears strong and on an upward trend. It has increased from 375,742.00 Cr. (Mar 2024) to 466,127.00 Cr., marking an increase of 90,385.00 Cr..
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 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 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Free Cash Flow | -25.00 | -35.00 | -46.00 | -62.00 | -96.00 | -120.00 | -121.00 | -154.00 | -204.00 | -277.00 | -340.00 |
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 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 21% | 22% | 20% | 22% | 20% | 13% | 17% | 23% | 22% | 19% |
Mutual Fund Holdings
| Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) | Previous Number of Shares | Previous Date | Percentage Change |
|---|---|---|---|---|---|---|
| SBI Nifty 50 ETF | 5,035,445 | 2.01 | 3455.78 | 5,035,445 | 2025-04-22 15:56:10 | 0% |
| SBI S&P BSE Sensex ETF | 3,561,680 | 2.33 | 2444.67 | 3,561,680 | 2025-04-22 15:56:10 | 0% |
| SBI Equity Hybrid Fund | 3,515,833 | 3.71 | 2412.88 | 3,515,833 | 2025-04-22 15:16:47 | 0% |
| Axis ELSS Tax Saver Fund | 3,091,472 | 6.33 | 2121.65 | 3,091,472 | 2025-04-22 15:56:10 | 0% |
| Axis Bluechip Fund | 3,030,245 | 6.36 | 2079.63 | 3,030,245 | 2025-04-22 11:41:35 | 0% |
| SBI Blue Chip Fund | 2,815,833 | 4.47 | 1932.48 | 2,815,833 | 2025-04-22 15:56:10 | 0% |
| SBI Focused Equity Fund | 2,100,000 | 4.59 | 1441.21 | 2,100,000 | 2025-04-22 15:17:21 | 0% |
| UTI Flexi Cap Fund | 1,938,041 | 5.29 | 1330.06 | 1,938,041 | 2025-04-22 15:56:10 | 0% |
| Axis Focused 25 Fund | 1,636,856 | 8.1 | 1123.36 | 1,636,856 | 2025-04-22 15:56:10 | 0% |
| UTI Nifty 50 ETF | 1,394,418 | 2.01 | 956.98 | 1,394,418 | 2025-04-22 15:56:10 | 0% |
Key Financial Ratios
| Month | Mar 25 | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|---|
| FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
| Basic EPS (Rs.) | 268.94 | 236.89 | 190.53 | 116.64 | 73.58 |
| Diluted EPS (Rs.) | 268.94 | 235.98 | 189.57 | 115.79 | 73.00 |
| Cash EPS (Rs.) | 284.17 | 244.77 | 198.39 | 122.87 | 78.87 |
| Book Value[Excl.RevalReserv]/Share (Rs.) | 1557.43 | 1241.03 | 899.53 | 724.56 | 613.67 |
| Book Value[Incl.RevalReserv]/Share (Rs.) | 1557.43 | 1241.03 | 899.53 | 724.56 | 613.67 |
| Revenue From Operations / Share (Rs.) | 1122.39 | 889.47 | 684.88 | 524.32 | 443.29 |
| PBDIT / Share (Rs.) | 768.52 | 626.37 | 472.69 | 325.49 | 261.49 |
| PBIT / Share (Rs.) | 754.33 | 615.32 | 464.65 | 319.11 | 256.09 |
| PBT / Share (Rs.) | 355.35 | 312.33 | 256.86 | 157.53 | 99.61 |
| Net Profit / Share (Rs.) | 269.98 | 233.71 | 190.35 | 116.50 | 73.47 |
| NP After MI And SOA / Share (Rs.) | 267.98 | 233.84 | 190.38 | 116.50 | 73.47 |
| PBDIT Margin (%) | 68.47 | 70.42 | 69.01 | 62.07 | 58.99 |
| PBIT Margin (%) | 67.20 | 69.17 | 67.84 | 60.86 | 57.77 |
| PBT Margin (%) | 31.66 | 35.11 | 37.50 | 30.04 | 22.46 |
| Net Profit Margin (%) | 24.05 | 26.27 | 27.79 | 22.21 | 16.57 |
| NP After MI And SOA Margin (%) | 23.87 | 26.28 | 27.79 | 22.21 | 16.57 |
| Return on Networth / Equity (%) | 17.20 | 18.84 | 21.16 | 16.07 | 11.97 |
| Return on Capital Employeed (%) | 46.79 | 48.92 | 50.94 | 43.25 | 40.81 |
| Return On Assets (%) | 3.56 | 3.84 | 4.18 | 3.30 | 2.57 |
| Total Debt / Equity (X) | 3.74 | 3.82 | 3.99 | 3.78 | 3.57 |
| Asset Turnover Ratio (%) | 0.16 | 0.16 | 0.16 | 0.16 | 0.15 |
| Current Ratio (X) | 1.26 | 1.24 | 1.23 | 1.25 | 1.26 |
| Quick Ratio (X) | 1.26 | 1.24 | 1.23 | 1.25 | 1.26 |
| Dividend Payout Ratio (NP) (%) | 13.38 | 12.56 | 10.49 | 8.57 | 0.00 |
| Dividend Payout Ratio (CP) (%) | 12.70 | 11.99 | 10.06 | 8.12 | 0.00 |
| Earning Retention Ratio (%) | 86.62 | 87.44 | 89.51 | 91.43 | 0.00 |
| Cash Earning Retention Ratio (%) | 87.30 | 88.01 | 89.94 | 91.88 | 0.00 |
| Interest Coverage Ratio (X) | 1.93 | 2.07 | 2.27 | 2.01 | 1.67 |
| Interest Coverage Ratio (Post Tax) (X) | 1.68 | 1.77 | 1.92 | 1.72 | 1.47 |
| Enterprise Value (Cr.) | 905532.27 | 730175.45 | 551808.82 | 599493.12 | 439227.02 |
| EV / Net Operating Revenue (X) | 12.99 | 13.28 | 13.33 | 18.95 | 16.47 |
| EV / EBITDA (X) | 18.98 | 18.86 | 19.31 | 30.53 | 27.92 |
| MarketCap / Net Operating Revenue (X) | 7.97 | 8.14 | 8.20 | 13.84 | 11.62 |
| Retention Ratios (%) | 86.61 | 87.43 | 89.50 | 91.42 | 0.00 |
| Price / BV (X) | 5.75 | 5.83 | 6.24 | 10.02 | 8.39 |
| Price / Net Operating Revenue (X) | 7.97 | 8.14 | 8.20 | 13.84 | 11.62 |
| EarningsYield | 0.02 | 0.03 | 0.03 | 0.01 | 0.01 |
After reviewing the key financial ratios for Bajaj Finance Ltd, here is a detailed analysis based on the latest available data and recent trends:
- For FaceValue, as of Mar 25, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
- For Basic EPS (Rs.), as of Mar 25, the value is 268.94. This value is within the healthy range. It has increased from 236.89 (Mar 24) to 268.94, marking an increase of 32.05.
- For Diluted EPS (Rs.), as of Mar 25, the value is 268.94. This value is within the healthy range. It has increased from 235.98 (Mar 24) to 268.94, marking an increase of 32.96.
- For Cash EPS (Rs.), as of Mar 25, the value is 284.17. This value is within the healthy range. It has increased from 244.77 (Mar 24) to 284.17, marking an increase of 39.40.
- For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1,557.43. It has increased from 1,241.03 (Mar 24) to 1,557.43, marking an increase of 316.40.
- For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1,557.43. It has increased from 1,241.03 (Mar 24) to 1,557.43, marking an increase of 316.40.
- For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 1,122.39. It has increased from 889.47 (Mar 24) to 1,122.39, marking an increase of 232.92.
- For PBDIT / Share (Rs.), as of Mar 25, the value is 768.52. This value is within the healthy range. It has increased from 626.37 (Mar 24) to 768.52, marking an increase of 142.15.
- For PBIT / Share (Rs.), as of Mar 25, the value is 754.33. This value is within the healthy range. It has increased from 615.32 (Mar 24) to 754.33, marking an increase of 139.01.
- For PBT / Share (Rs.), as of Mar 25, the value is 355.35. This value is within the healthy range. It has increased from 312.33 (Mar 24) to 355.35, marking an increase of 43.02.
- For Net Profit / Share (Rs.), as of Mar 25, the value is 269.98. This value is within the healthy range. It has increased from 233.71 (Mar 24) to 269.98, marking an increase of 36.27.
- For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 267.98. This value is within the healthy range. It has increased from 233.84 (Mar 24) to 267.98, marking an increase of 34.14.
- For PBDIT Margin (%), as of Mar 25, the value is 68.47. This value is within the healthy range. It has decreased from 70.42 (Mar 24) to 68.47, marking a decrease of 1.95.
- For PBIT Margin (%), as of Mar 25, the value is 67.20. This value exceeds the healthy maximum of 20. It has decreased from 69.17 (Mar 24) to 67.20, marking a decrease of 1.97.
- For PBT Margin (%), as of Mar 25, the value is 31.66. This value is within the healthy range. It has decreased from 35.11 (Mar 24) to 31.66, marking a decrease of 3.45.
- For Net Profit Margin (%), as of Mar 25, the value is 24.05. This value exceeds the healthy maximum of 10. It has decreased from 26.27 (Mar 24) to 24.05, marking a decrease of 2.22.
- For NP After MI And SOA Margin (%), as of Mar 25, the value is 23.87. This value exceeds the healthy maximum of 20. It has decreased from 26.28 (Mar 24) to 23.87, marking a decrease of 2.41.
- For Return on Networth / Equity (%), as of Mar 25, the value is 17.20. This value is within the healthy range. It has decreased from 18.84 (Mar 24) to 17.20, marking a decrease of 1.64.
- For Return on Capital Employeed (%), as of Mar 25, the value is 46.79. This value is within the healthy range. It has decreased from 48.92 (Mar 24) to 46.79, marking a decrease of 2.13.
- For Return On Assets (%), as of Mar 25, the value is 3.56. This value is below the healthy minimum of 5. It has decreased from 3.84 (Mar 24) to 3.56, marking a decrease of 0.28.
- For Total Debt / Equity (X), as of Mar 25, the value is 3.74. This value exceeds the healthy maximum of 1. It has decreased from 3.82 (Mar 24) to 3.74, marking a decrease of 0.08.
- For Asset Turnover Ratio (%), as of Mar 25, the value is 0.16. There is no change compared to the previous period (Mar 24) which recorded 0.16.
- For Current Ratio (X), as of Mar 25, the value is 1.26. This value is below the healthy minimum of 1.5. It has increased from 1.24 (Mar 24) to 1.26, marking an increase of 0.02.
- For Quick Ratio (X), as of Mar 25, the value is 1.26. This value is within the healthy range. It has increased from 1.24 (Mar 24) to 1.26, marking an increase of 0.02.
- For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 13.38. This value is below the healthy minimum of 20. It has increased from 12.56 (Mar 24) to 13.38, marking an increase of 0.82.
- For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 12.70. This value is below the healthy minimum of 20. It has increased from 11.99 (Mar 24) to 12.70, marking an increase of 0.71.
- For Earning Retention Ratio (%), as of Mar 25, the value is 86.62. This value exceeds the healthy maximum of 70. It has decreased from 87.44 (Mar 24) to 86.62, marking a decrease of 0.82.
- For Cash Earning Retention Ratio (%), as of Mar 25, the value is 87.30. This value exceeds the healthy maximum of 70. It has decreased from 88.01 (Mar 24) to 87.30, marking a decrease of 0.71.
- For Interest Coverage Ratio (X), as of Mar 25, the value is 1.93. This value is below the healthy minimum of 3. It has decreased from 2.07 (Mar 24) to 1.93, marking a decrease of 0.14.
- For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.68. This value is below the healthy minimum of 3. It has decreased from 1.77 (Mar 24) to 1.68, marking a decrease of 0.09.
- For Enterprise Value (Cr.), as of Mar 25, the value is 905,532.27. It has increased from 730,175.45 (Mar 24) to 905,532.27, marking an increase of 175,356.82.
- For EV / Net Operating Revenue (X), as of Mar 25, the value is 12.99. This value exceeds the healthy maximum of 3. It has decreased from 13.28 (Mar 24) to 12.99, marking a decrease of 0.29.
- For EV / EBITDA (X), as of Mar 25, the value is 18.98. This value exceeds the healthy maximum of 15. It has increased from 18.86 (Mar 24) to 18.98, marking an increase of 0.12.
- For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 7.97. This value exceeds the healthy maximum of 3. It has decreased from 8.14 (Mar 24) to 7.97, marking a decrease of 0.17.
- For Retention Ratios (%), as of Mar 25, the value is 86.61. This value exceeds the healthy maximum of 70. It has decreased from 87.43 (Mar 24) to 86.61, marking a decrease of 0.82.
- For Price / BV (X), as of Mar 25, the value is 5.75. This value exceeds the healthy maximum of 3. It has decreased from 5.83 (Mar 24) to 5.75, marking a decrease of 0.08.
- For Price / Net Operating Revenue (X), as of Mar 25, the value is 7.97. This value exceeds the healthy maximum of 3. It has decreased from 8.14 (Mar 24) to 7.97, marking a decrease of 0.17.
- 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
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 Finance Ltd:
- Net Profit Margin: 24.05%
- 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: 46.79% (Industry Average ROCE: 15.8%)
- 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%: 17.2% (Industry Average ROE: 8.84%)
- 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): 1.68
- 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: 1.26
- 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: 35.2 (Industry average Stock P/E: 56.17)
- 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: 3.74
- 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: 24.05%
About the Company - Qualitative Analysis
| INDUSTRY | ADDRESS | CONTACT |
|---|---|---|
| Non-Banking Financial Company (NBFC) | C/o Bajaj Auto Ltd., Akurdi, Pune Maharashtra 411035 | investor.service@bajajfinserv.in http://www.bajajfinserv.com/finance-about-us |
| Management | |
|---|---|
| Name | Position Held |
| Mr. Sanjiv Bajaj | Chairman |
| Mr. Rajeev Jain | Vice Chairman |
| Mr. Anup Saha | Managing Director |
| Dr. Naushad Forbes | Independent Director |
| Mr. Anami Roy | Independent Director |
| Mr. Pramit Jhaveri | Independent Director |
| Dr. Arindam Bhattacharya | Independent Director |
| Ms. Radhika Haribhakti | Independent Director |
| Mr. Rajiv Bajaj | Non Exe.Non Ind.Director |
| Mr. Tarun Bajaj | Independent Director |
| Mr. Ajay Kumar Choudhary | Independent Director |
FAQ
What is the intrinsic value of Bajaj Finance Ltd?
Bajaj Finance Ltd's intrinsic value (as of 02 December 2025) is 901.37 which is 12.83% lower the current market price of 1,034.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 6,43,217 Cr. market cap, FY2025-2026 high/low of 1,102/649, reserves of ₹96,569 Cr, and liabilities of 466,127 Cr.
What is the Market Cap of Bajaj Finance Ltd?
The Market Cap of Bajaj Finance Ltd is 6,43,217 Cr..
What is the current Stock Price of Bajaj Finance Ltd as on 02 December 2025?
The current stock price of Bajaj Finance Ltd as on 02 December 2025 is 1,034.
What is the High / Low of Bajaj Finance Ltd stocks in FY 2025-2026?
In FY 2025-2026, the High / Low of Bajaj Finance Ltd stocks is 1,102/649.
What is the Stock P/E of Bajaj Finance Ltd?
The Stock P/E of Bajaj Finance Ltd is 35.2.
What is the Book Value of Bajaj Finance Ltd?
The Book Value of Bajaj Finance Ltd is 166.
What is the Dividend Yield of Bajaj Finance Ltd?
The Dividend Yield of Bajaj Finance Ltd is 0.43 %.
What is the ROCE of Bajaj Finance Ltd?
The ROCE of Bajaj Finance Ltd is 11.4 %.
What is the ROE of Bajaj Finance Ltd?
The ROE of Bajaj Finance Ltd is 19.2 %.
What is the Face Value of Bajaj Finance Ltd?
The Face Value of Bajaj Finance Ltd is 1.00.