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Fundamental Analysis of Bajaj Finance Ltd

About the Company - Bajaj Finance Ltd

Bajaj Finance Ltd. is a Public Limited Listed company incorporated on 25/03/1987 and has its registered office in the State of Maharashtra, India. Company’s Corporate Identification Number(CIN) is L65910MH1987PLC042961 and registration number is 042961. Currently company belongs to the Industry of Finance & Investments. Company’s Total Operating Revenue is Rs. 27864.28 Cr. and Equity Capital is Rs. 120.66 Cr. for the Year ended 31/03/2022.
Finance & InvestmentsMumbai - Pune Road, Pune Maharashtra
NamePosition Held
Mr. Sanjiv BajajChairman
Mr. Rajeev JainManaging Director
Mr. Anup SahaExecutive Director
Mr. Rakesh BhattExecutive Director
Dr. Naushad ForbesDirector
Mr. Anami RoyDirector
Mr. Pramit JhaveriDirector
Ms. Radhika HaribhaktiDirector
Mr. Rajiv BajajDirector
Mr. D J Balaji RaoDirector
Dr. Arindam BhattacharyaDirector

Bajaj Finance Ltd. Share Price Update

Share PriceValue
Previous Day₹7,426.50

Basic Stock Data of Bajaj Finance Ltd

Market Cap 4,58,882 Cr.
Current Price 7,425
High / Low8,192/5,486
Stock P/E35.0
Book Value 988
Dividend Yield0.41 %
ROCE11.8 %
ROE23.5 %
Face Value 2.00

Bajaj Finance Ltd Quarterly Results

MonthSep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023
Financing Profit1,3701,6321,9081,4542,0982,9623,3673,6133,8694,1294,3904,7024,913
Financing Margin %21%25%28%22%27%35%39%39%39%38%39%38%37%
Other Income7241123242564
Profit before tax1,3051,5551,8231,3662,0042,8683,2653,5033,7524,0124,2614,5514,758
Tax %26%26%26%27%26%26%26%26%26%26%26%24%25%
Net Profit9651,1461,3471,0021,4812,1252,4202,5962,7812,9733,1583,4373,551
EPS in Rs16.0119.0222.3516.6124.5435.2139.9642.8845.9349.1152.1656.7258.60
Gross NPA %1.03%0.55%1.79%2.96%2.45%1.73%1.60%1.25%1.17%1.14%0.94%0.87%0.91%
Net NPA %0.37%0.19%0.75%1.46%1.10%0.78%0.68%0.51%0.44%0.41%0.34%0.31%0.31%

Bajaj Finance Ltd Quarterly Chart

Bajaj Finance Ltd Profit & Loss

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023TTM
Financing Profit1,3671,9862,8673,9356,3107,6086,3149,90616,01818,133
Financing Margin %25%27%29%31%34%29%24%31%39%38%
Other Income263522101393-17-416
Profit before tax1,3571,9652,8173,8436,1797,3225,9929,50415,52817,582
Tax %34%35%35%35%35%28%26%26%26%
Net Profit8981,2791,8362,4963,9955,2644,4207,02811,50813,118
EPS in Rs17.9023.7433.4043.1969.1287.4873.35116.09190.07216.59
Dividend Payout %10%10%11%9%9%11%14%17%16%

Bajaj Finance Ltd Profit & Loss Yearly Chart

Bajaj Finance Ltd Growth

Compounded Sales Growth
10 Years::%
5 Years::27%
3 Years::16%

Bajaj Finance Ltd Growth

Compounded Profit Growth
10 Years::%
5 Years::36%
3 Years::30%

Bajaj Finance Ltd Growth

Stock Price CAGR
10 Years::48%
5 Years::25%
3 Years::15%
1 Year::12%

Bajaj Finance Ltd Growth

Return on Equity
10 Years::%
5 Years::19%
3 Years::19%
Last Year::23%

Bajaj Finance Ltd Balance Sheet

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Sep 2023
Equity Capital5054109115115120120121121121
Other Liabilities1,3252,6244,8812,3932,9482,2572,9183,5624,1665,494
Total Liabilities32,78046,97363,73184,798124,233164,391171,470212,506275,229321,917
Fixed Assets2522903664706951,3211,3161,7162,3082,686
Other Assets32,20145,65459,29581,189114,939145,526151,707198,510250,089298,493
Total Assets32,78046,97363,73184,798124,233164,391171,470212,506275,229321,917

Bajaj Finance Ltd Reserves and Borrowings Chart

Bajaj Finance Ltd Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023
Cash from Operating Activity -7,064-9,870-10,439-20,566-29,062-24,412-807-37,090-42,140
Cash from Investing Activity -360-687-3,0471,075-5,379-8,758-4296,347-10,365
Cash from Financing Activity 6,86711,65612,51319,50334,44934,1671,74132,27550,675
Net Cash Flow-5571,100-9721399985051,532-1,831

Bajaj Finance Ltd Financial Efficiency Indicators Chart

Bajaj Finance Ltd Share Holding Pattern

MonthMar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Nov 2023
No. of Shareholders4,64,3944,88,7635,25,2576,36,9317,18,6388,68,2717,67,7228,16,2928,90,7067,84,8837,26,5837,26,997

Bajaj Finance Ltd Shareholding Pattern Chart

No. of Bajaj Finance Ltd Shareholders

Bajaj Finance Ltd Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)
SBI Nifty 50 ETF49732672.423884.49
Axis Long Term Equity Fund37091779.092897.15
Axis Bluechip Fund35095768.62741.24
SBI S&P BSE Sensex ETF34775372.782715.75
SBI Equity Hybrid Fund30000003.872343.23
SBI Blue Chip Fund23000004.531796.47
SBI Focused Equity Fund21000005.511640.26
UTI Flexi Cap Fund19923316.111556.16
Axis Focused 25 Fund17273749.381349.21
UTI Nifty 50 ETF13456412.421051.05

Bajaj Finance Ltd ROCE Trend

Bajaj Finance Ltd EPS Trend

Bajaj Finance Ltd Key Financial Ratios

MonthMar 23Mar 22Mar 21Mar 20Mar 19
Basic EPS (Rs.)190.53116.6473.5889.7769.33
Diluted EPS (Rs.)189.57115.7973.0089.0768.75
Cash EPS (Rs.)198.39122.8778.8792.6571.75
Book Value[Excl.RevalReserv]/Share (Rs.)899.53724.56613.67538.84341.46
Book Value[Incl.RevalReserv]/Share (Rs.)899.53724.56613.67538.84341.46
Revenue From Operations / Share (Rs.)684.88524.32443.29439.60320.48
PBDIT / Share (Rs.)472.69325.49261.49284.86224.44
PBIT / Share (Rs.)464.65319.11256.09279.95221.94
PBT / Share (Rs.)256.86157.5399.61122.05107.12
Net Profit / Share (Rs.)190.35116.5073.4787.7469.26
NP After MI And SOA / Share (Rs.)190.38116.5073.4787.7469.26
PBDIT Margin (%)69.0162.0758.9964.7970.03
PBIT Margin (%)67.8460.8657.7763.6869.25
PBT Margin (%)37.5030.0422.4627.7633.42
Net Profit Margin (%)27.7922.2116.5719.9521.60
NP After MI And SOA Margin (%)27.7922.2116.5719.9521.60
Return on Networth / Equity (%)21.1616.0711.9716.2820.28
Return on Capital Employeed (%)14.7612.3912.6315.5515.21
Return On Assets (%)4.183.302.573.203.21
Long Term Debt / Equity (X)2.492.542.282.323.25
Total Debt / Equity (X)3.993.783.574.025.16
Asset Turnover Ratio (%)
Current Ratio (X)3.203.673.412.873.06
Quick Ratio (X)3.203.673.412.873.06
Dividend Payout Ratio (NP) (%)10.498.570.0018.045.78
Dividend Payout Ratio (CP) (%)
Earning Retention Ratio (%)89.5191.430.0081.9694.22
Cash Earning Retention Ratio (%)89.9491.880.0082.9294.42
Interest Coverage Ratio (%)
Interest Coverage Ratio (Post Tax) (%)1.921.721.471.561.60
Enterprise Value (Cr.)551808.82599493.12439227.02261375.63275727.61
EV / Net Operating Revenue (X)13.3318.9516.479.9114.91
EV / EBITDA (X)19.3130.5327.9215.2921.30
MarketCap / Net Operating Revenue (X)8.2013.8411.625.049.44
Retention Ratios (%)89.5091.420.0081.9594.21
Price / BV (X)6.2410.028.394.118.86
Price / Net Operating Revenue (X)8.2013.8411.625.049.44

Bajaj Finance Ltd Profitability Ratios (%)

Bajaj Finance Ltd Liquidity Ratios

Bajaj Finance Ltd Liquidity Ratios (%)

Bajaj Finance Ltd Interest Coverage Ratios (%)

Bajaj Finance Ltd Valuation Ratios

Fair Value of Bajaj Finance Ltd Stock

Fair Value: ₹8159.62

The stock is undervalued by 9.89% compared to the current price ₹7425

*Investments are subject to market risks

Strength and Weakness of Bajaj Finance Ltd Stock

Unable to fetch valid data for stock valuation.