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.
Management |
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Name | Position Held |
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Mr. Sanjiv Bajaj | Chairman |
Mr. Rajeev Jain | Managing Director |
Mr. Anup Saha | Executive Director |
Mr. Rakesh Bhatt | Executive Director |
Dr. Naushad Forbes | Director |
Mr. Anami Roy | Director |
Mr. Pramit Jhaveri | Director |
Ms. Radhika Haribhakti | Director |
Mr. Rajiv Bajaj | Director |
Mr. D J Balaji Rao | Director |
Dr. Arindam Bhattacharya | Director |
Bajaj Finance Ltd. Share Price Update |
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Share Price | Value |
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Today | ₹7,411.50 |
Previous Day | ₹7,426.50 |
Basic Stock Data of Bajaj Finance Ltd
Market Cap | 4,58,882 Cr. |
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Current Price | 7,425 |
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High / Low | 8,192/5,486 |
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Stock P/E | 35.0 |
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Book Value | 988 |
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Dividend Yield | 0.41 % |
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ROCE | 11.8 % |
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ROE | 23.5 % |
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Face Value | 2.00 |
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Bajaj Finance Ltd Quarterly Results
Month | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 |
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Revenue | 6,513 | 6,656 | 6,851 | 6,742 | 7,731 | 8,537 | 8,626 | 9,284 | 9,970 | 10,784 | 11,363 | 12,498 | 13,378 |
Interest | 2,358 | 2,363 | 2,196 | 2,254 | 2,398 | 2,535 | 2,568 | 2,645 | 2,972 | 3,351 | 3,592 | 4,103 | 4,537 |
Expenses | 2,785 | 2,662 | 2,747 | 3,035 | 3,236 | 3,040 | 2,691 | 3,026 | 3,129 | 3,305 | 3,381 | 3,694 | 3,929 |
Financing Profit | 1,370 | 1,632 | 1,908 | 1,454 | 2,098 | 2,962 | 3,367 | 3,613 | 3,869 | 4,129 | 4,390 | 4,702 | 4,913 |
Financing Margin % | 21% | 25% | 28% | 22% | 27% | 35% | 39% | 39% | 39% | 38% | 39% | 38% | 37% |
Other Income | 7 | 2 | 4 | 1 | 1 | 2 | 3 | 2 | 4 | 2 | 5 | 6 | 4 |
Depreciation | 72 | 80 | 90 | 89 | 95 | 97 | 104 | 111 | 121 | 119 | 134 | 156 | 159 |
Profit before tax | 1,305 | 1,555 | 1,823 | 1,366 | 2,004 | 2,868 | 3,265 | 3,503 | 3,752 | 4,012 | 4,261 | 4,551 | 4,758 |
Tax % | 26% | 26% | 26% | 27% | 26% | 26% | 26% | 26% | 26% | 26% | 26% | 24% | 25% |
Net Profit | 965 | 1,146 | 1,347 | 1,002 | 1,481 | 2,125 | 2,420 | 2,596 | 2,781 | 2,973 | 3,158 | 3,437 | 3,551 |
EPS in Rs | 16.01 | 19.02 | 22.35 | 16.61 | 24.54 | 35.21 | 39.96 | 42.88 | 45.93 | 49.11 | 52.16 | 56.72 | 58.60 |
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
Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | TTM |
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Revenue | 5,392 | 7,299 | 9,970 | 12,746 | 18,487 | 26,374 | 26,673 | 31,641 | 41,398 | 48,023 |
Interest | 2,274 | 2,959 | 3,853 | 4,696 | 6,723 | 9,608 | 9,519 | 9,855 | 12,701 | 15,582 |
Expenses | 1,752 | 2,354 | 3,250 | 4,115 | 5,454 | 9,159 | 10,839 | 11,880 | 12,680 | 14,308 |
Financing Profit | 1,367 | 1,986 | 2,867 | 3,935 | 6,310 | 7,608 | 6,314 | 9,906 | 16,018 | 18,133 |
Financing Margin % | 25% | 27% | 29% | 31% | 34% | 29% | 24% | 31% | 39% | 38% |
Other Income | 26 | 35 | 22 | 10 | 13 | 9 | 3 | -17 | -4 | 16 |
Depreciation | 36 | 56 | 71 | 102 | 144 | 295 | 325 | 385 | 485 | 568 |
Profit before tax | 1,357 | 1,965 | 2,817 | 3,843 | 6,179 | 7,322 | 5,992 | 9,504 | 15,528 | 17,582 |
Tax % | 34% | 35% | 35% | 35% | 35% | 28% | 26% | 26% | 26% | |
Net Profit | 898 | 1,279 | 1,836 | 2,496 | 3,995 | 5,264 | 4,420 | 7,028 | 11,508 | 13,118 |
EPS in Rs | 17.90 | 23.74 | 33.40 | 43.19 | 69.12 | 87.48 | 73.35 | 116.09 | 190.07 | 216.59 |
Dividend Payout % | 10% | 10% | 11% | 9% | 9% | 11% | 14% | 17% | 16% | |
Bajaj Finance Ltd Profit & Loss Yearly Chart
Bajaj Finance Ltd Growth
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Compounded Sales Growth |
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10 Years:: | % |
5 Years:: | 27% |
3 Years:: | 16% |
TTM:: | 32% |
Bajaj Finance Ltd Growth
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Compounded Profit Growth |
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10 Years:: | % |
5 Years:: | 36% |
3 Years:: | 30% |
TTM:: | 32% |
Bajaj Finance Ltd Growth
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Stock Price CAGR |
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10 Years:: | 48% |
5 Years:: | 25% |
3 Years:: | 15% |
1 Year:: | 12% |
Bajaj Finance Ltd Growth
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Return on Equity |
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10 Years:: | % |
5 Years:: | 19% |
3 Years:: | 19% |
Last Year:: | 23% |
Bajaj Finance Ltd Balance Sheet
Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Sep 2023 |
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Equity Capital | 50 | 54 | 109 | 115 | 115 | 120 | 120 | 121 | 121 | 121 |
Reserves | 4,750 | 7,271 | 9,491 | 15,733 | 19,582 | 32,208 | 36,798 | 43,592 | 54,251 | 59,753 |
Borrowings | 26,655 | 37,025 | 49,250 | 66,557 | 101,588 | 129,806 | 131,634 | 165,232 | 216,690 | 256,549 |
Other Liabilities | 1,325 | 2,624 | 4,881 | 2,393 | 2,948 | 2,257 | 2,918 | 3,562 | 4,166 | 5,494 |
Total Liabilities | 32,780 | 46,973 | 63,731 | 84,798 | 124,233 | 164,391 | 171,470 | 212,506 | 275,229 | 321,917 |
Fixed Assets | 252 | 290 | 366 | 470 | 695 | 1,321 | 1,316 | 1,716 | 2,308 | 2,686 |
CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 51 | 34 | 80 | 15 |
Investments | 326 | 1,029 | 4,070 | 3,139 | 8,599 | 17,544 | 18,397 | 12,246 | 22,752 | 20,722 |
Other Assets | 32,201 | 45,654 | 59,295 | 81,189 | 114,939 | 145,526 | 151,707 | 198,510 | 250,089 | 298,493 |
Total Assets | 32,780 | 46,973 | 63,731 | 84,798 | 124,233 | 164,391 | 171,470 | 212,506 | 275,229 | 321,917 |
Bajaj Finance Ltd Reserves and Borrowings Chart
Bajaj Finance Ltd Cash Flow
Month | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 |
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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 | -3,047 | 1,075 | -5,379 | -8,758 | -429 | 6,347 | -10,365 |
Cash from Financing Activity | 6,867 | 11,656 | 12,513 | 19,503 | 34,449 | 34,167 | 1,741 | 32,275 | 50,675 |
Net Cash Flow | -557 | 1,100 | -972 | 13 | 9 | 998 | 505 | 1,532 | -1,831 |
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Bajaj Finance Ltd Financial Efficiency Indicators Chart
Bajaj Finance Ltd Share Holding Pattern
Month | Mar 2021 | Jun 2021 | Sep 2021 | Dec 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Nov 2023 |
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Promoters | 56.12% | 56.03% | 56.03% | 56.03% | 55.86% | 55.86% | 55.86% | 55.91% | 55.91% | 55.87% | 55.87% | 54.78% |
FIIs | 24.06% | 24.03% | 23.64% | 22.85% | 21.41% | 19.98% | 20.49% | 19.87% | 19.16% | 20.09% | 20.41% | 21.31% |
DIIs | 9.08% | 9.33% | 9.73% | 10.11% | 11.22% | 12.03% | 12.09% | 12.37% | 12.92% | 12.83% | 13.05% | 13.65% |
Government | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | 0.07% | 0.07% | 0.07% | 0.07% | 0.07% |
Public | 10.57% | 10.40% | 10.42% | 10.91% | 11.15% | 11.84% | 11.26% | 11.60% | 11.75% | 10.99% | 10.50% | 10.13% |
Others | 0.17% | 0.21% | 0.17% | 0.10% | 0.36% | 0.29% | 0.22% | 0.18% | 0.17% | 0.13% | 0.10% | 0.09% |
No. of Shareholders | 4,64,394 | 4,88,763 | 5,25,257 | 6,36,931 | 7,18,638 | 8,68,271 | 7,67,722 | 8,16,292 | 8,90,706 | 7,84,883 | 7,26,583 | 7,26,997 |
Bajaj Finance Ltd Shareholding Pattern Chart
No. of Bajaj Finance Ltd Shareholders
Bajaj Finance Ltd Mutual Fund Holdings
Fund Name | No of Shares | AUM (%) | Amount Invested (Cr) |
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SBI Nifty 50 ETF | 4973267 | 2.42 | 3884.49 |
Axis Long Term Equity Fund | 3709177 | 9.09 | 2897.15 |
Axis Bluechip Fund | 3509576 | 8.6 | 2741.24 |
SBI S&P BSE Sensex ETF | 3477537 | 2.78 | 2715.75 |
SBI Equity Hybrid Fund | 3000000 | 3.87 | 2343.23 |
SBI Blue Chip Fund | 2300000 | 4.53 | 1796.47 |
SBI Focused Equity Fund | 2100000 | 5.51 | 1640.26 |
UTI Flexi Cap Fund | 1992331 | 6.11 | 1556.16 |
Axis Focused 25 Fund | 1727374 | 9.38 | 1349.21 |
UTI Nifty 50 ETF | 1345641 | 2.42 | 1051.05 |
Bajaj Finance Ltd ROCE Trend
Bajaj Finance Ltd EPS Trend
Bajaj Finance Ltd Key Financial Ratios
Month | Mar 23 | Mar 22 | Mar 21 | Mar 20 | Mar 19 |
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FaceValue | 2.00 | 2.00 | 2.00 | 2.00 | 2.00 |
Basic EPS (Rs.) | 190.53 | 116.64 | 73.58 | 89.77 | 69.33 |
Diluted EPS (Rs.) | 189.57 | 115.79 | 73.00 | 89.07 | 68.75 |
Cash EPS (Rs.) | 198.39 | 122.87 | 78.87 | 92.65 | 71.75 |
Book Value[Excl.RevalReserv]/Share (Rs.) | 899.53 | 724.56 | 613.67 | 538.84 | 341.46 |
Book Value[Incl.RevalReserv]/Share (Rs.) | 899.53 | 724.56 | 613.67 | 538.84 | 341.46 |
Revenue From Operations / Share (Rs.) | 684.88 | 524.32 | 443.29 | 439.60 | 320.48 |
PBDIT / Share (Rs.) | 472.69 | 325.49 | 261.49 | 284.86 | 224.44 |
PBIT / Share (Rs.) | 464.65 | 319.11 | 256.09 | 279.95 | 221.94 |
PBT / Share (Rs.) | 256.86 | 157.53 | 99.61 | 122.05 | 107.12 |
Net Profit / Share (Rs.) | 190.35 | 116.50 | 73.47 | 87.74 | 69.26 |
NP After MI And SOA / Share (Rs.) | 190.38 | 116.50 | 73.47 | 87.74 | 69.26 |
PBDIT Margin (%) | 69.01 | 62.07 | 58.99 | 64.79 | 70.03 |
PBIT Margin (%) | 67.84 | 60.86 | 57.77 | 63.68 | 69.25 |
PBT Margin (%) | 37.50 | 30.04 | 22.46 | 27.76 | 33.42 |
Net Profit Margin (%) | 27.79 | 22.21 | 16.57 | 19.95 | 21.60 |
NP After MI And SOA Margin (%) | 27.79 | 22.21 | 16.57 | 19.95 | 21.60 |
Return on Networth / Equity (%) | 21.16 | 16.07 | 11.97 | 16.28 | 20.28 |
Return on Capital Employeed (%) | 14.76 | 12.39 | 12.63 | 15.55 | 15.21 |
Return On Assets (%) | 4.18 | 3.30 | 2.57 | 3.20 | 3.21 |
Long Term Debt / Equity (X) | 2.49 | 2.54 | 2.28 | 2.32 | 3.25 |
Total Debt / Equity (X) | 3.99 | 3.78 | 3.57 | 4.02 | 5.16 |
Asset Turnover Ratio (%) | 0.16 | 0.16 | 0.15 | 0.18 | 0.17 |
Current Ratio (X) | 3.20 | 3.67 | 3.41 | 2.87 | 3.06 |
Quick Ratio (X) | 3.20 | 3.67 | 3.41 | 2.87 | 3.06 |
Dividend Payout Ratio (NP) (%) | 10.49 | 8.57 | 0.00 | 18.04 | 5.78 |
Dividend Payout Ratio (CP) (%) | 10.06 | 8.12 | 0.00 | 17.08 | 5.58 |
Earning Retention Ratio (%) | 89.51 | 91.43 | 0.00 | 81.96 | 94.22 |
Cash Earning Retention Ratio (%) | 89.94 | 91.88 | 0.00 | 82.92 | 94.42 |
Interest Coverage Ratio (%) | 2.27 | 2.01 | 1.67 | 1.80 | 1.95 |
Interest Coverage Ratio (Post Tax) (%) | 1.92 | 1.72 | 1.47 | 1.56 | 1.60 |
Enterprise Value (Cr.) | 551808.82 | 599493.12 | 439227.02 | 261375.63 | 275727.61 |
EV / Net Operating Revenue (X) | 13.33 | 18.95 | 16.47 | 9.91 | 14.91 |
EV / EBITDA (X) | 19.31 | 30.53 | 27.92 | 15.29 | 21.30 |
MarketCap / Net Operating Revenue (X) | 8.20 | 13.84 | 11.62 | 5.04 | 9.44 |
Retention Ratios (%) | 89.50 | 91.42 | 0.00 | 81.95 | 94.21 |
Price / BV (X) | 6.24 | 10.02 | 8.39 | 4.11 | 8.86 |
Price / Net Operating Revenue (X) | 8.20 | 13.84 | 11.62 | 5.04 | 9.44 |
EarningsYield | 0.03 | 0.01 | 0.01 | 0.03 | 0.02 |
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.