Share Price and Basic Stock Data
Last Updated: December 9, 2025, 8:09 pm
| PEG Ratio | 1.79 |
|---|
Analyst Insight & Comprehensive Analysis
AI Stock Ranker – Real-Time Fundamental Strength Score
Business Overview and Revenue Trends
Bajaj Finance Ltd has established itself as a formidable player in the non-banking financial company (NBFC) sector. The company reported a robust revenue of ₹41,411 Cr for fiscal year 2023, marking a significant jump from ₹31,641 Cr in the previous fiscal year. This upward trajectory continued into the first half of fiscal year 2024, with quarterly revenues climbing from ₹12,498 Cr in Q1 to ₹13,382 Cr in Q2. The trend appears sustainable, as revenues are projected to reach ₹54,974 Cr in FY 2024 and ₹69,709 Cr in FY 2025. The increasing demand for consumer financing and the company’s strategic focus on expanding its loan portfolio have contributed to this growth. However, the competition in the NBFC space is intense, and maintaining this pace will require continuous innovation and customer-centric offerings.
Profitability and Efficiency Metrics
Profitability metrics for Bajaj Finance are impressive, with a net profit of ₹17,633 Cr reported for FY 2025. The company has effectively managed to maintain a high return on equity (ROE) of 19.2%, indicating efficient utilization of shareholder funds. The financing margin, however, has shown a slight decline from 39% in FY 2023 to an anticipated 33% in FY 2025, suggesting that while revenues are growing, the pressure on margins is a concern that needs to be monitored closely. The interest coverage ratio (ICR) of 1.93x offers a comfortable buffer for meeting interest obligations, although a downward trend from previous years could signal a growing need for caution. Overall, the metrics suggest that Bajaj Finance remains a profitable entity, but its margin compression could impact future earnings if not addressed.
Balance Sheet Strength and Financial Ratios
Bajaj Finance’s balance sheet appears strong, with total assets standing at ₹466,127 Cr in FY 2025, up from ₹275,226 Cr in FY 2023. The company’s capital adequacy, reflected through its reserves of ₹102,592 Cr, presents a solid foundation for future growth and risk management. However, the debt-to-equity ratio of 3.74 indicates a heightened reliance on borrowed funds, which could pose risks in a rising interest rate environment. With net non-performing assets (NPAs) at a low 0.50% as of June 2025, the asset quality remains commendable, although vigilance is necessary as economic conditions evolve. The reported return on capital employed (ROCE) of 11.4% reflects the company’s ability to generate returns from its capital, but investors should remain cautious given the potential for market volatility affecting credit quality.
Shareholding Pattern and Investor Confidence
The shareholding pattern of Bajaj Finance underscores a healthy mix of institutional and retail investor confidence. Promoters hold 54.67% of the company, which suggests a stable control structure. Foreign institutional investors (FIIs) have increased their stake to 21.97%, while domestic institutional investors (DIIs) hold 14.39%. This diversity in ownership can be seen as a positive indicator, reflecting trust in the company’s long-term strategy. However, the public shareholding has seen a gradual decline, which may raise questions about retail participation. The number of shareholders has increased to 9,41,999, indicating sustained interest from the investing community. Such dynamics can influence stock liquidity and overall market sentiment.
Outlook, Risks, and Final Insight
Looking ahead, Bajaj Finance seems well-positioned to leverage its market leadership in the NBFC sector, but several risks warrant attention. The potential for rising interest rates could squeeze margins further and impact the affordability of loans for consumers. Additionally, economic slowdowns could lead to increased defaults, which may affect asset quality despite current low NPA levels. The company’s ambitious growth targets hinge on maintaining a balance between aggressive lending and risk management. Investors should consider these factors alongside the company’s impressive historical performance. In a rapidly changing financial landscape, Bajaj Finance’s ability to adapt will be crucial in navigating challenges while capitalizing on growth opportunities.
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 | 11.1 Cr. | 1.11 | 1.91/1.00 | 1.07 | 0.00 % | 0.40 % | 0.09 % | 1.00 | |
| Money Masters Leasing & Finance Ltd | 9.44 Cr. | 0.94 | 9.18/0.85 | 27.8 | 1.57 | 0.00 % | 4.42 % | 3.94 % | 1.00 |
| Moneyboxx Finance Ltd | 438 Cr. | 134 | 269/130 | 80.1 | 0.00 % | 8.65 % | 0.58 % | 10.0 | |
| Moongipa Capital Finance Ltd | 15.2 Cr. | 16.6 | 35.2/15.0 | 11.4 | 26.6 | 0.00 % | 12.1 % | 9.43 % | 10.0 |
| Morarka Finance Ltd | 36.1 Cr. | 80.3 | 176/74.8 | 19.3 | 238 | 1.25 % | 2.46 % | 2.17 % | 10.0 |
| Industry Average | 29,986.10 Cr | 440.67 | 52.20 | 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: August 22, 2025, 5:26 pm
| 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 | 73,107 |
| Interest | 2,274 | 2,959 | 3,853 | 4,696 | 6,723 | 9,608 | 9,519 | 9,855 | 12,701 | 18,886 | 24,992 | 26,005 |
| Expenses | 1,752 | 2,354 | 3,250 | 4,115 | 5,454 | 9,159 | 10,839 | 11,880 | 12,693 | 16,099 | 21,754 | 23,047 |
| Financing Profit | 1,367 | 1,986 | 2,867 | 3,935 | 6,310 | 7,608 | 6,314 | 9,906 | 16,018 | 19,989 | 22,963 | 24,055 |
| 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 | 59 |
| Depreciation | 36 | 56 | 71 | 102 | 144 | 295 | 325 | 385 | 485 | 683 | 881 | 933 |
| 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 | 23,182 |
| 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 | 17,633 |
| 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 | 28.09 |
| 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: December 4, 2025, 1:00 am
| Month | 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 | 50 | 54 | 109 | 115 | 115 | 120 | 120 | 121 | 121 | 124 | 124 | 622 |
| Reserves | 4,750 | 7,373 | 9,491 | 15,733 | 19,582 | 32,208 | 36,798 | 43,592 | 54,251 | 76,572 | 96,569 | 102,592 |
| Borrowing | 26,655 | 37,025 | 49,250 | 66,557 | 101,588 | 129,806 | 131,634 | 165,232 | 216,690 | 293,346 | 361,249 | 397,401 |
| Other Liabilities | 1,325 | 2,522 | 4,881 | 2,393 | 2,948 | 2,257 | 2,918 | 3,562 | 4,164 | 5,700 | 8,185 | 9,346 |
| Total Liabilities | 32,780 | 46,973 | 63,731 | 84,798 | 124,233 | 164,391 | 171,470 | 212,506 | 275,226 | 375,742 | 466,127 | 509,961 |
| Fixed Assets | 252 | 290 | 366 | 470 | 695 | 1,321 | 1,316 | 1,716 | 2,308 | 3,250 | 3,780 | 3,752 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 51 | 34 | 80 | 43 | 41 | 33 |
| Investments | 326 | 1,029 | 4,070 | 3,139 | 8,599 | 17,544 | 18,397 | 12,246 | 22,752 | 30,881 | 34,441 | 33,751 |
| Other Assets | 32,201 | 45,654 | 59,295 | 81,189 | 114,939 | 145,526 | 151,707 | 198,510 | 250,087 | 341,568 | 427,865 | 472,425 |
| Total Assets | 32,780 | 46,973 | 63,731 | 84,798 | 124,233 | 164,391 | 171,470 | 212,506 | 275,226 | 375,742 | 466,127 | 509,961 |
Below is a detailed analysis of the balance sheet data for Bajaj Finance 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 622.00 Cr.. The value appears strong and on an upward trend. It has increased from 124.00 Cr. (Mar 2025) to 622.00 Cr., marking an increase of 498.00 Cr..
- For Reserves, as of Sep 2025, the value is 102,592.00 Cr.. The value appears strong and on an upward trend. It has increased from 96,569.00 Cr. (Mar 2025) to 102,592.00 Cr., marking an increase of 6,023.00 Cr..
- For Other Liabilities, as of Sep 2025, the value is 9,346.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 8,185.00 Cr. (Mar 2025) to 9,346.00 Cr., marking an increase of 1,161.00 Cr..
- For Total Liabilities, as of Sep 2025, the value is 509,961.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 466,127.00 Cr. (Mar 2025) to 509,961.00 Cr., marking an increase of 43,834.00 Cr..
- For Fixed Assets, as of Sep 2025, the value is 3,752.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,780.00 Cr. (Mar 2025) to 3,752.00 Cr., marking a decrease of 28.00 Cr..
- For CWIP, as of Sep 2025, the value is 33.00 Cr.. The value appears to be declining and may need further review. It has decreased from 41.00 Cr. (Mar 2025) to 33.00 Cr., marking a decrease of 8.00 Cr..
- For Investments, as of Sep 2025, the value is 33,751.00 Cr.. The value appears to be declining and may need further review. It has decreased from 34,441.00 Cr. (Mar 2025) to 33,751.00 Cr., marking a decrease of 690.00 Cr..
- For Other Assets, as of Sep 2025, the value is 472,425.00 Cr.. The value appears strong and on an upward trend. It has increased from 427,865.00 Cr. (Mar 2025) to 472,425.00 Cr., marking an increase of 44,560.00 Cr..
- For Total Assets, as of Sep 2025, the value is 509,961.00 Cr.. The value appears strong and on an upward trend. It has increased from 466,127.00 Cr. (Mar 2025) to 509,961.00 Cr., marking an increase of 43,834.00 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 - No data available for this post.
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 Equity Hybrid Fund | 21,000,000 | 2.67 | 2189.88 | 3,515,833 | 2025-12-08 00:46:22 | 497.3% |
| SBI Focused Fund | 17,900,000 | 4.57 | 1866.61 | N/A | N/A | N/A |
| Axis Large Cap Fund | 16,512,940 | 5.09 | 1721.97 | N/A | N/A | N/A |
| UTI Flexi Cap Fund | 15,777,000 | 6.39 | 1645.23 | 1,938,041 | 2025-12-08 00:46:22 | 714.07% |
| Axis ELSS Tax Saver Fund | 14,928,715 | 4.43 | 1556.77 | 3,091,472 | 2025-12-08 00:46:22 | 382.9% |
| Nippon India Large Cap Fund | 14,648,655 | 3.13 | 1527.56 | N/A | N/A | N/A |
| Kotak Flexicap Fund | 9,000,000 | 1.67 | 938.52 | N/A | N/A | N/A |
| Axis Focused Fund | 8,783,359 | 7.28 | 915.93 | N/A | N/A | N/A |
| Nippon India Multi Cap Fund | 8,381,970 | 1.77 | 874.07 | N/A | N/A | N/A |
| SBI Flexicap Fund | 8,215,850 | 3.7 | 856.75 | N/A | N/A | N/A |
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: 34.6 (Industry average Stock P/E: 52.2)
- Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
- Total Debt / Equity: 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 09 December 2025) is 886.01 which is 12.88% lower the current market price of 1,017.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 6,32,732 Cr. market cap, FY2025-2026 high/low of 1,102/678, reserves of ₹102,592 Cr, and liabilities of 509,961 Cr.
What is the Market Cap of Bajaj Finance Ltd?
The Market Cap of Bajaj Finance Ltd is 6,32,732 Cr..
What is the current Stock Price of Bajaj Finance Ltd as on 09 December 2025?
The current stock price of Bajaj Finance Ltd as on 09 December 2025 is 1,017.
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 1,102/678.
What is the Stock P/E of Bajaj Finance Ltd?
The Stock P/E of Bajaj Finance Ltd is 34.6.
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.