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Last Updated on: 23 May, 2025
Author: Getaka|Social: Getaka Financial Technology X (Earlier Twitter) Profile Getaka Financial Technology LinkedIn Logo
Stock Ticker - BSE: 500034 | NSE: BAJFINANCE

Bajaj Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: May 23, 2025, 1:47 am

Market Cap 5,67,803 Cr.
Current Price 9,139
High / Low 9,710/6,376
Stock P/E34.1
Book Value 1,556
Dividend Yield0.48 %
ROCE11.3 %
ROE19.2 %
Face Value 2.00
PEG Ratio1.15

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Bajaj Finance Ltd

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 11.5 Cr. 1.15 1.91/0.66128 1.080.00 %0.59 %0.47 % 1.00
Money Masters Leasing & Finance Ltd 10.6 Cr. 1.06 19.5/1.0613.6 1.560.00 %2.57 %4.07 % 1.00
Moneyboxx Finance Ltd 664 Cr. 203 373/15862.4 81.00.00 %11.4 %7.45 % 10.0
Moongipa Capital Finance Ltd 19.4 Cr. 21.1 41.0/18.09.98 8.690.00 %34.9 %31.6 % 10.0
Morarka Finance Ltd 52.2 Cr. 116 191/95.018.6 2125.17 %2.46 %2.17 % 10.0
Industry Average26,364.63 Cr548.5552.04535.950.26%17.94%8.92%8.49

All Competitor Stocks of Bajaj Finance Ltd

Quarterly Result

MetricDec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Revenue8,5378,6269,2849,97010,78711,36412,49813,38214,16414,92616,09917,09118,035
Interest 2,5352,5682,6452,9723,3513,5924,1034,5374,8685,2175,6846,1496,386
Expenses 3,0402,6913,0263,1293,3083,3823,6933,9314,2294,4204,9565,3385,691
Financing Profit2,9623,3673,6133,8694,1294,3904,7034,9145,0665,2895,4595,6045,958
Financing Margin %35%39%39%39%38%39%38%37%36%35%34%33%33%
Other Income 23242552596826
Depreciation 97104111121119134156159176193200210219
Profit before tax 2,8683,2653,5033,7524,0124,2614,5514,7584,8965,1055,2655,4015,765
Tax % 26%26%26%26%26%26%24%25%26%25%26%26%25%
Net Profit 2,1252,4202,5962,7812,9733,1583,4373,5513,6393,8253,9124,0144,308
EPS in Rs 35.2139.9642.8845.9349.1152.1656.7258.6058.8861.7963.2064.6268.60
Gross NPA %1.73%1.60%1.25%1.17%1.14%0.94%0.87%0.91%0.95%0.85%0.86%1.06%1.12%
Net NPA %0.78%0.68%0.51%0.44%0.41%0.34%0.31%0.31%0.37%0.37%0.38%0.46%0.48%

Last Updated: February 28, 2025, 8:32 pm

Below is a detailed analysis of the quarterly data for Bajaj Finance Ltd based on the most recent figures (Dec 2024) and their trends compared to the previous period:

  • For Interest, as of Dec 2024, the value is 6,386.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,149.00 Cr. (Sep 2024) to 6,386.00 Cr., marking an increase of 237.00 Cr..
  • For Expenses, as of Dec 2024, the value is 5,691.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 5,338.00 Cr. (Sep 2024) to 5,691.00 Cr., marking an increase of 353.00 Cr..
  • For Other Income, as of Dec 2024, the value is 26.00 Cr.. The value appears strong and on an upward trend. It has increased from 8.00 Cr. (Sep 2024) to 26.00 Cr., marking an increase of 18.00 Cr..
  • For Depreciation, as of Dec 2024, the value is 219.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 210.00 Cr. (Sep 2024) to 219.00 Cr., marking an increase of 9.00 Cr..
  • For Profit before tax, as of Dec 2024, the value is 5,765.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,401.00 Cr. (Sep 2024) to 5,765.00 Cr., marking an increase of 364.00 Cr..
  • For Tax %, as of Dec 2024, the value is 25.00%. The value appears to be improving (decreasing) as expected. It has decreased from 26.00% (Sep 2024) to 25.00%, marking a decrease of 1.00%.
  • For Net Profit, as of Dec 2024, the value is 4,308.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,014.00 Cr. (Sep 2024) to 4,308.00 Cr., marking an increase of 294.00 Cr..
  • For EPS in Rs, as of Dec 2024, the value is 68.60. The value appears strong and on an upward trend. It has increased from 64.62 (Sep 2024) to 68.60, marking an increase of 3.98.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: May 3, 2025, 3:07 pm

MetricMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Revenue5,3927,2999,97012,74618,48726,37426,67331,64141,41154,97269,684
Interest 2,2742,9593,8534,6966,7239,6089,5199,85512,70118,88624,771
Expenses 1,7522,3543,2504,1155,4549,15910,83911,88012,69316,09922,011
Financing Profit1,3671,9862,8673,9356,3107,6086,3149,90616,01819,98722,902
Financing Margin %25%27%29%31%34%29%24%31%39%36%33%
Other Income 263522101393-17-5659
Depreciation 365671102144295325385485683881
Profit before tax 1,3571,9652,8173,8436,1797,3225,9929,50415,52819,31022,080
Tax % 34%35%35%35%35%28%26%26%26%25%24%
Net Profit 8981,2791,8362,4963,9955,2644,4207,02811,50814,45116,779
EPS in Rs 17.9023.7433.4043.1969.1287.4873.35116.09190.07233.46267.73
Dividend Payout % 10%10%11%9%9%11%14%17%16%15%21%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
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:27%
Compounded Profit Growth
10 Years:34%
5 Years:26%
3 Years:33%
TTM:15%
Stock Price CAGR
10 Years:35%
5 Years:37%
3 Years:16%
1 Year:34%
Return on Equity
10 Years:20%
5 Years:20%
3 Years:21%
Last Year:19%

Last Updated: Unknown

Balance Sheet

Last Updated: May 13, 2025, 3:49 pm

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital 5054109115115120120121121124124
Reserves 4,7507,3739,49115,73319,58232,20836,79843,59254,25176,57296,569
Borrowing26,65537,02549,25066,557101,588129,806131,634165,232216,690293,346361,249
Other Liabilities 1,3252,5224,8812,3932,9482,2572,9183,5624,1645,7008,185
Total Liabilities 32,78046,97363,73184,798124,233164,391171,470212,506275,226375,742466,127
Fixed Assets 2522903664706951,3211,3161,7162,3083,2503,795
CWIP 0000005134804327
Investments 3261,0294,0703,1398,59917,54418,39712,24622,75230,88134,441
Other Assets 32,20145,65459,29581,189114,939145,526151,707198,510250,087341,568427,865
Total Assets 32,78046,97363,73184,798124,233164,391171,470212,506275,226375,742466,127

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 3,795.00 Cr.. The value appears strong and on an upward trend. It has increased from 3,250.00 Cr. (Mar 2024) to 3,795.00 Cr., marking an increase of 545.00 Cr..
  • For CWIP, as of Mar 2025, the value is 27.00 Cr.. The value appears to be declining and may need further review. It has decreased from 43.00 Cr. (Mar 2024) to 27.00 Cr., marking a decrease of 16.00 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.

Reserves and Borrowings Chart

Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity +-7,064-9,870-10,439-20,566-29,062-24,412-807-37,090-42,112-72,760-68,154
Cash from Investing Activity +-360-687-3,0471,075-5,379-8,758-4296,347-10,394-7,171-2,765
Cash from Financing Activity +6,86711,65612,51319,50334,44934,1671,74132,27550,67582,41570,527
Net Cash Flow-5571,100-9721399985051,532-1,8312,484-392

Free Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-25.00-35.00-46.00-62.00-96.00-120.00-121.00-154.00-204.00-277.00-339.00

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.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024
ROE %21%22%20%22%20%13%17%23%22%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024
Promoters55.86%55.86%55.86%55.91%55.91%55.87%55.87%54.78%54.69%54.70%54.70%54.70%
FIIs21.41%19.98%20.49%19.87%19.16%20.09%20.41%20.92%20.55%21.08%20.81%20.79%
DIIs11.22%12.03%12.09%12.37%12.92%12.83%13.05%14.01%14.33%14.23%15.01%15.08%
Government0.00%0.00%0.07%0.07%0.07%0.07%0.07%0.07%0.07%0.09%0.09%0.08%
Public11.15%11.84%11.26%11.60%11.75%10.99%10.50%10.17%10.19%9.83%9.36%9.32%
Others0.36%0.29%0.22%0.18%0.17%0.13%0.10%0.05%0.16%0.08%0.05%0.04%
No. of Shareholders7,18,6388,68,2717,67,7228,16,2928,90,7067,84,8837,26,5837,45,0407,99,1998,05,2417,81,9137,91,392

Shareholding Pattern Chart

No. of Shareholders

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
SBI Nifty 50 ETF 5,035,445 2.01 3455.785,035,4452025-04-22 15:56:100%
SBI S&P BSE Sensex ETF 3,561,680 2.33 2444.673,561,6802025-04-22 15:56:100%
SBI Equity Hybrid Fund 3,515,833 3.71 2412.883,515,8332025-04-22 15:16:470%
Axis ELSS Tax Saver Fund 3,091,472 6.33 2121.653,091,4722025-04-22 15:56:100%
Axis Bluechip Fund 3,030,245 6.36 2079.633,030,2452025-04-22 11:41:350%
SBI Blue Chip Fund 2,815,833 4.47 1932.482,815,8332025-04-22 15:56:100%
SBI Focused Equity Fund 2,100,000 4.59 1441.212,100,0002025-04-22 15:17:210%
UTI Flexi Cap Fund 1,938,041 5.29 1330.061,938,0412025-04-22 15:56:100%
Axis Focused 25 Fund 1,636,856 8.1 1123.361,636,8562025-04-22 15:56:100%
UTI Nifty 50 ETF 1,394,418 2.01 956.981,394,4182025-04-22 15:56:100%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 24Mar 23Mar 22Mar 21Mar 20
FaceValue 2.002.002.002.002.00
Basic EPS (Rs.) 236.89190.53116.6473.5889.77
Diluted EPS (Rs.) 235.98189.57115.7973.0089.07
Cash EPS (Rs.) 244.77198.39122.8778.8792.65
Book Value[Excl.RevalReserv]/Share (Rs.) 1241.03899.53724.56613.67538.84
Book Value[Incl.RevalReserv]/Share (Rs.) 1241.03899.53724.56613.67538.84
Revenue From Operations / Share (Rs.) 889.47684.88524.32443.29439.60
PBDIT / Share (Rs.) 626.37472.69325.49261.49284.86
PBIT / Share (Rs.) 615.32464.65319.11256.09279.95
PBT / Share (Rs.) 312.33256.86157.5399.61122.05
Net Profit / Share (Rs.) 233.71190.35116.5073.4787.74
NP After MI And SOA / Share (Rs.) 233.84190.38116.5073.4787.74
PBDIT Margin (%) 70.4269.0162.0758.9964.79
PBIT Margin (%) 69.1767.8460.8657.7763.68
PBT Margin (%) 35.1137.5030.0422.4627.76
Net Profit Margin (%) 26.2727.7922.2116.5719.95
NP After MI And SOA Margin (%) 26.2827.7922.2116.5719.95
Return on Networth / Equity (%) 18.8421.1616.0711.9716.28
Return on Capital Employeed (%) 14.6514.7612.3912.6315.55
Return On Assets (%) 3.844.183.302.573.20
Long Term Debt / Equity (X) 2.372.492.542.282.32
Total Debt / Equity (X) 3.823.993.783.574.02
Asset Turnover Ratio (%) 0.160.160.160.150.18
Current Ratio (X) 3.193.203.673.412.87
Quick Ratio (X) 3.193.203.673.412.87
Dividend Payout Ratio (NP) (%) 12.5610.498.570.0018.04
Dividend Payout Ratio (CP) (%) 11.9910.068.120.0017.08
Earning Retention Ratio (%) 87.4489.5191.430.0081.96
Cash Earning Retention Ratio (%) 88.0189.9491.880.0082.92
Interest Coverage Ratio (X) 2.072.272.011.671.80
Interest Coverage Ratio (Post Tax) (X) 1.771.921.721.471.56
Enterprise Value (Cr.) 730175.45551808.82599493.12439227.02261375.63
EV / Net Operating Revenue (X) 13.2813.3318.9516.479.91
EV / EBITDA (X) 18.8619.3130.5327.9215.29
MarketCap / Net Operating Revenue (X) 8.148.2013.8411.625.04
Retention Ratios (%) 87.4389.5091.420.0081.95
Price / BV (X) 5.836.2410.028.394.11
Price / Net Operating Revenue (X) 8.148.2013.8411.625.04
EarningsYield 0.030.030.010.010.03

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 24, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 23) which recorded 2.00.
  • For Basic EPS (Rs.), as of Mar 24, the value is 236.89. This value is within the healthy range. It has increased from 190.53 (Mar 23) to 236.89, marking an increase of 46.36.
  • For Diluted EPS (Rs.), as of Mar 24, the value is 235.98. This value is within the healthy range. It has increased from 189.57 (Mar 23) to 235.98, marking an increase of 46.41.
  • For Cash EPS (Rs.), as of Mar 24, the value is 244.77. This value is within the healthy range. It has increased from 198.39 (Mar 23) to 244.77, marking an increase of 46.38.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 1,241.03. It has increased from 899.53 (Mar 23) to 1,241.03, marking an increase of 341.50.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 24, the value is 1,241.03. It has increased from 899.53 (Mar 23) to 1,241.03, marking an increase of 341.50.
  • For Revenue From Operations / Share (Rs.), as of Mar 24, the value is 889.47. It has increased from 684.88 (Mar 23) to 889.47, marking an increase of 204.59.
  • For PBDIT / Share (Rs.), as of Mar 24, the value is 626.37. This value is within the healthy range. It has increased from 472.69 (Mar 23) to 626.37, marking an increase of 153.68.
  • For PBIT / Share (Rs.), as of Mar 24, the value is 615.32. This value is within the healthy range. It has increased from 464.65 (Mar 23) to 615.32, marking an increase of 150.67.
  • For PBT / Share (Rs.), as of Mar 24, the value is 312.33. This value is within the healthy range. It has increased from 256.86 (Mar 23) to 312.33, marking an increase of 55.47.
  • For Net Profit / Share (Rs.), as of Mar 24, the value is 233.71. This value is within the healthy range. It has increased from 190.35 (Mar 23) to 233.71, marking an increase of 43.36.
  • For NP After MI And SOA / Share (Rs.), as of Mar 24, the value is 233.84. This value is within the healthy range. It has increased from 190.38 (Mar 23) to 233.84, marking an increase of 43.46.
  • For PBDIT Margin (%), as of Mar 24, the value is 70.42. This value is within the healthy range. It has increased from 69.01 (Mar 23) to 70.42, marking an increase of 1.41.
  • For PBIT Margin (%), as of Mar 24, the value is 69.17. This value exceeds the healthy maximum of 20. It has increased from 67.84 (Mar 23) to 69.17, marking an increase of 1.33.
  • For PBT Margin (%), as of Mar 24, the value is 35.11. This value is within the healthy range. It has decreased from 37.50 (Mar 23) to 35.11, marking a decrease of 2.39.
  • For Net Profit Margin (%), as of Mar 24, the value is 26.27. This value exceeds the healthy maximum of 10. It has decreased from 27.79 (Mar 23) to 26.27, marking a decrease of 1.52.
  • For NP After MI And SOA Margin (%), as of Mar 24, the value is 26.28. This value exceeds the healthy maximum of 20. It has decreased from 27.79 (Mar 23) to 26.28, marking a decrease of 1.51.
  • For Return on Networth / Equity (%), as of Mar 24, the value is 18.84. This value is within the healthy range. It has decreased from 21.16 (Mar 23) to 18.84, marking a decrease of 2.32.
  • For Return on Capital Employeed (%), as of Mar 24, the value is 14.65. This value is within the healthy range. It has decreased from 14.76 (Mar 23) to 14.65, marking a decrease of 0.11.
  • For Return On Assets (%), as of Mar 24, the value is 3.84. This value is below the healthy minimum of 5. It has decreased from 4.18 (Mar 23) to 3.84, marking a decrease of 0.34.
  • For Long Term Debt / Equity (X), as of Mar 24, the value is 2.37. This value exceeds the healthy maximum of 1. It has decreased from 2.49 (Mar 23) to 2.37, marking a decrease of 0.12.
  • For Total Debt / Equity (X), as of Mar 24, the value is 3.82. This value exceeds the healthy maximum of 1. It has decreased from 3.99 (Mar 23) to 3.82, marking a decrease of 0.17.
  • For Asset Turnover Ratio (%), as of Mar 24, the value is 0.16. There is no change compared to the previous period (Mar 23) which recorded 0.16.
  • For Current Ratio (X), as of Mar 24, the value is 3.19. This value exceeds the healthy maximum of 3. It has decreased from 3.20 (Mar 23) to 3.19, marking a decrease of 0.01.
  • For Quick Ratio (X), as of Mar 24, the value is 3.19. This value exceeds the healthy maximum of 2. It has decreased from 3.20 (Mar 23) to 3.19, marking a decrease of 0.01.
  • For Dividend Payout Ratio (NP) (%), as of Mar 24, the value is 12.56. This value is below the healthy minimum of 20. It has increased from 10.49 (Mar 23) to 12.56, marking an increase of 2.07.
  • For Dividend Payout Ratio (CP) (%), as of Mar 24, the value is 11.99. This value is below the healthy minimum of 20. It has increased from 10.06 (Mar 23) to 11.99, marking an increase of 1.93.
  • For Earning Retention Ratio (%), as of Mar 24, the value is 87.44. This value exceeds the healthy maximum of 70. It has decreased from 89.51 (Mar 23) to 87.44, marking a decrease of 2.07.
  • For Cash Earning Retention Ratio (%), as of Mar 24, the value is 88.01. This value exceeds the healthy maximum of 70. It has decreased from 89.94 (Mar 23) to 88.01, marking a decrease of 1.93.
  • For Interest Coverage Ratio (X), as of Mar 24, the value is 2.07. This value is below the healthy minimum of 3. It has decreased from 2.27 (Mar 23) to 2.07, marking a decrease of 0.20.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 24, the value is 1.77. This value is below the healthy minimum of 3. It has decreased from 1.92 (Mar 23) to 1.77, marking a decrease of 0.15.
  • For Enterprise Value (Cr.), as of Mar 24, the value is 730,175.45. It has increased from 551,808.82 (Mar 23) to 730,175.45, marking an increase of 178,366.63.
  • For EV / Net Operating Revenue (X), as of Mar 24, the value is 13.28. This value exceeds the healthy maximum of 3. It has decreased from 13.33 (Mar 23) to 13.28, marking a decrease of 0.05.
  • For EV / EBITDA (X), as of Mar 24, the value is 18.86. This value exceeds the healthy maximum of 15. It has decreased from 19.31 (Mar 23) to 18.86, marking a decrease of 0.45.
  • For MarketCap / Net Operating Revenue (X), as of Mar 24, the value is 8.14. This value exceeds the healthy maximum of 3. It has decreased from 8.20 (Mar 23) to 8.14, marking a decrease of 0.06.
  • For Retention Ratios (%), as of Mar 24, the value is 87.43. This value exceeds the healthy maximum of 70. It has decreased from 89.50 (Mar 23) to 87.43, marking a decrease of 2.07.
  • For Price / BV (X), as of Mar 24, the value is 5.83. This value exceeds the healthy maximum of 3. It has decreased from 6.24 (Mar 23) to 5.83, marking a decrease of 0.41.
  • For Price / Net Operating Revenue (X), as of Mar 24, the value is 8.14. This value exceeds the healthy maximum of 3. It has decreased from 8.20 (Mar 23) to 8.14, marking a decrease of 0.06.
  • For EarningsYield, as of Mar 24, the value is 0.03. This value is below the healthy minimum of 5. There is no change compared to the previous period (Mar 23) which recorded 0.03.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Bajaj Finance Ltd as of May 23, 2025 is: 8,189.07

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of May 23, 2025, Bajaj Finance Ltd is Overvalued by 10.39% compared to the current share price 9,139.00

Intrinsic Value of Bajaj Finance Ltd as of May 23, 2025 is: 10,609.48

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of May 23, 2025, Bajaj Finance Ltd is Undervalued by 16.09% compared to the current share price 9,139.00

Last 5 Year EPS CAGR: 29.56%

*Investments are subject to market risks

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:
    1. Net Profit Margin: 26.27%
      • 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.
    2. ROCE: 14.65% (Industry Average ROCE: 17.94%)
      • 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.
    3. ROE%: 18.84% (Industry Average ROE: 8.92%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 1.77
      • 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.
    5. Quick Ratio: 3.19
      • 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.
    6. Stock P/E: 34.1 (Industry average Stock P/E: 52.04)
      • 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.
    7. Total Debt / Equity: 3.82
      • 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.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

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 is involved in the business activities of Financial service activities, except insurance and pension funding. Company's Total Operating Revenue is Rs. 59379.74 Cr. and Equity Capital is Rs. 124.17 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)Mumbai - Pune Road, Pune Maharashtra 411035investor.service@bajajfinserv.in
http://www.bajajfinserv.in/finance
Management
NamePosition Held
Mr. Sanjiv BajajChairman
Mr. Rajeev JainManaging Director
Mr. Anup SahaDeputy Managing Director
Dr. Naushad ForbesDirector
Mr. Anami RoyDirector
Mr. Pramit JhaveriDirector
Dr. Arindam BhattacharyaDirector
Ms. Radhika HaribhaktiDirector
Mr. Rajiv BajajDirector

FAQ

What is the intrinsic value of Bajaj Finance Ltd?

Bajaj Finance Ltd's intrinsic value (as of 22 May 2025) is ₹8189.07 — 10.39% lower the current market price of 9,139.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 5,67,803 Cr. market cap, FY2025-2026 high/low of ₹9,710/6,376, 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 5,67,803 Cr..

What is the current Stock Price of Bajaj Finance Ltd as on 22 May 2025?

The current stock price of Bajaj Finance Ltd as on 22 May 2025 is 9,139.

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 ₹9,710/6,376.

What is the Stock P/E of Bajaj Finance Ltd?

The Stock P/E of Bajaj Finance Ltd is 34.1.

What is the Book Value of Bajaj Finance Ltd?

The Book Value of Bajaj Finance Ltd is 1,556.

What is the Dividend Yield of Bajaj Finance Ltd?

The Dividend Yield of Bajaj Finance Ltd is 0.48 %.

What is the ROCE of Bajaj Finance Ltd?

The ROCE of Bajaj Finance Ltd is 11.3 %.

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 2.00.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Bajaj Finance Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE