WEBSITE BSE:500034 NSE: BAJFINANCE Inc. Year: 1987 Industry: Finance - NBFC
Last updated: 15:59
Bajaj Finance Limited is an primarily India-based non-banking financial company. The Company's customer lending products consist of client electronics, furnishings, virtual merchandise, e-commerce purchases daily financing. Its small and medium companies (SME) lending consist of working capital loans and time period facilities to SME, and professionals. The Company's rural lending offers all its lending and deposits products, which encompass B2B lending, non-public loans, gold loans, and retail deposits in small towns and villages. Its mortgag...Read More
Bajaj Finance Limited is an primarily India-based non-banking financial company. The Company's customer lending products consist of client electronics, furnishings, virtual merchandise, e-commerce purchases daily financing. Its small and medium companies (SME) lending consist of working capital loans and time period facilities to SME, and professionals. The Company's rural lending offers all its lending and deposits products, which encompass B2B lending, non-public loans, gold loans, and retail deposits in small towns and villages. Its mortgage in opposition to securities enterprise gives medium-term and short-term financing against stocks, bonds, mutual funds, insurance policies and deposits to clients. Its mortgages offer domestic loans, loans against assets and developer finance. Its commercial lending is engaged in lending to auto component producers and the light engineering industry, loans to monetary institutions, loans to the speciality chemical and pharma enterprise. ...Read Less
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Market Cap ₹591291 Cr.
Stock P/E 35.2
P/B 5.7
Current Price ₹950.3
Book Value ₹ 165.9
Face Value 1
52W High ₹1102.5
Dividend Yield 0.59%
52W Low ₹ 715.5
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 12498 | 13382 | 14164 | 14927 | 16100 | 17091 | 18035 | 18457 | 19524 | 20179 |
| Other Income | 2 | 2 | 3 | 5 | 2 | 4 | 23 | 12 | 4 | 2 |
| Total Income | 12500 | 13384 | 14167 | 14932 | 16102 | 17095 | 18058 | 18469 | 19528 | 20181 |
| Total Expenditure | 3693 | 3931 | 4229 | 4420 | 4956 | 5338 | 5691 | 6026 | 5992 | 6307 |
| Operating Profit | 8807 | 9453 | 9938 | 10512 | 11147 | 11757 | 12367 | 12443 | 13536 | 13874 |
| Interest Expense | 4103 | 4537 | 4868 | 5217 | 5684 | 6149 | 6386 | 6552 | 6918 | 7011 |
| Depreciation | 156 | 159 | 176 | 193 | 200 | 210 | 219 | 252 | 251 | 258 |
| Profit Before Tax | 4548 | 4758 | 4894 | 5102 | 5263 | 5398 | 5762 | 5639 | 6367 | 6605 |
| Provision for Tax | 1114 | 1207 | 1257 | 1281 | 1353 | 1388 | 1457 | 1102 | 1602 | 1660 |
| Profit After Tax | 3434 | 3551 | 3637 | 3822 | 3909 | 4010 | 4305 | 4537 | 4765 | 4944 |
| Adjustments | 3 | 0 | 2 | 3 | 3 | -11 | -59 | -57 | -65 | -69 |
| Profit After Adjustments | 3437 | 3551 | 3639 | 3825 | 3912 | 4000 | 4247 | 4480 | 4700 | 4875 |
| Adjusted Earnings Per Share | 5.7 | 5.9 | 5.9 | 6.2 | 6.3 | 6.5 | 6.9 | 7.2 | 7.6 | 7.8 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 5382 | 7294 | 9967 | 12786 | 18487 | 26374 | 26690 | 31640 | 41410 | 54974 | 69684 | 76195 |
| Other Income | 176 | 40 | 25 | 12 | 13 | 12 | 15 | 8 | 8 | 9 | 41 | 41 |
| Total Income | 5558 | 7334 | 9992 | 12798 | 18500 | 26386 | 26705 | 31648 | 41418 | 54983 | 69725 | 76236 |
| Total Expenditure | 1891 | 2354 | 3251 | 4157 | 5454 | 9161 | 10868 | 11905 | 12706 | 16111 | 21790 | 24016 |
| Operating Profit | 3666 | 4980 | 6742 | 8642 | 13046 | 17224 | 15837 | 19743 | 28712 | 38871 | 47935 | 52220 |
| Interest Expense | 2274 | 2959 | 3853 | 4696 | 6723 | 9608 | 9519 | 9855 | 12701 | 18886 | 24992 | 26867 |
| Depreciation | 36 | 56 | 71 | 102 | 144 | 295 | 325 | 385 | 485 | 683 | 881 | 980 |
| Profit Before Tax | 1357 | 1965 | 2817 | 3843 | 6179 | 7322 | 5992 | 9504 | 15528 | 19310 | 22080 | 24373 |
| Provision for Tax | 459 | 686 | 981 | 1347 | 2184 | 2058 | 1572 | 2476 | 4020 | 4858 | 5300 | 5821 |
| Profit After Tax | 898 | 1279 | 1836 | 2496 | 3995 | 5264 | 4420 | 7028 | 11508 | 14451 | 16779 | 18551 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -142 | -250 |
| Profit After Adjustments | 898 | 1279 | 1836 | 2496 | 3995 | 5264 | 4420 | 7028 | 11508 | 14451 | 16638 | 18302 |
| Adjusted Earnings Per Share | 1.8 | 2.4 | 3.4 | 4.3 | 6.9 | 8.8 | 7.3 | 11.6 | 19 | 23.4 | 26.8 | 29.5 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 27% | 30% | 21% | 29% |
| Operating Profit CAGR | 23% | 34% | 23% | 29% |
| PAT CAGR | 16% | 34% | 26% | 34% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | 31% | 16% | 15% | 33% |
| ROE Average | 20% | 22% | 19% | 20% |
| ROCE Average | 11% | 12% | 11% | 12% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 4800 | 7427 | 9600 | 15848 | 19697 | 32328 | 36918 | 43713 | 54372 | 76695 | 96693 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2244 |
| Borrowings | 18274 | 25287 | 33116 | 58715 | 88670 | 122859 | 122110 | 151069 | 194422 | 182581 | 230377 |
| Current Liability | 9910 | 14261 | 21033 | 10073 | 15630 | 8868 | 12074 | 17272 | 25847 | 115239 | 135403 |
| Other Liabilities & Provisions | 1338 | 2204 | 3150 | -606 | -434 | -513 | -578 | -499 | -352 | 209 | 269 |
| Total Liabilities | 34321 | 49179 | 66900 | 84031 | 123563 | 163541 | 170525 | 211555 | 274289 | 374724 | 464986 |
| Loans | 18120 | 24779 | 32028 | 79103 | 112513 | 141376 | 146687 | 191423 | 242269 | 326293 | 407844 |
| Investments | 147 | 457 | 762 | 1025 | 1512 | 3089 | 4596 | 10670 | 16331 | 26077 | 27911 |
| Fixed Assets | 252 | 290 | 366 | 470 | 695 | 1321 | 1316 | 1716 | 2308 | 3250 | 3780 |
| Other Loans | 1352 | 1894 | 2009 | 88 | 209 | 295 | 276 | 345 | 311 | 439 | 608 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 28 | 51 | 34 | 80 | 2591 | 449 |
| Current Assets | 14450 | 21759 | 31734 | 3344 | 8634 | 17432 | 17599 | 7365 | 12991 | 16073 | 24394 |
| Total Assets | 34321 | 49179 | 66900 | 84031 | 123563 | 163541 | 170525 | 211555 | 274289 | 374724 | 464986 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 228 | 1297 | 325 | 338 | 347 | 1345 | 1849 | 3381 | 1551 | 4035 |
| Cash Flow from Operating Activities | 0 | -9870 | -10439 | -20566 | -29062 | -24412 | -807 | -37090 | -42112 | -69843 | -68154 |
| Cash Flow from Investing Activities | 0 | -687 | -3047 | 1075 | -5379 | -8758 | -429 | 6347 | -10394 | -10088 | -2765 |
| Cash Flow from Financing Activities | 0 | 11656 | 12513 | 19503 | 34449 | 34167 | 1741 | 32275 | 50675 | 82415 | 70527 |
| Net Cash Inflow / Outflow | 0 | 1100 | -972 | 13 | 9 | 998 | 505 | 1532 | -1831 | 2484 | -392 |
| Closing Cash & Cash Equivalent | 0 | 1328 | 325 | 338 | 347 | 1345 | 1849 | 3381 | 1551 | 4035 | 3642 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 1.8 | 2.39 | 3.36 | 4.34 | 6.93 | 8.77 | 7.35 | 11.65 | 19.04 | 23.38 | 26.8 |
| CEPS(Rs) | 1.87 | 2.49 | 3.49 | 4.52 | 7.18 | 9.26 | 7.89 | 12.29 | 19.84 | 24.49 | 28.45 |
| DPS(Rs) | 0.18 | 0.25 | 0.36 | 0.4 | 0.6 | 1 | 1 | 2 | 3 | 3.6 | 5.6 |
| Book NAV/Share(Rs) | 9.6 | 13.68 | 17.56 | 27.41 | 33.91 | 53.53 | 60.86 | 71.8 | 89.03 | 122.47 | 154.21 |
| Net Profit Margin | 16.68 | 17.53 | 18.43 | 19.52 | 21.61 | 19.96 | 16.56 | 22.21 | 27.79 | 26.29 | 24.08 |
| Operating Margin | 67.46 | 67.5 | 66.93 | 66.79 | 69.79 | 64.19 | 58.12 | 61.18 | 68.17 | 69.48 | 67.55 |
| PBT Margin | 25.21 | 26.94 | 28.27 | 30.06 | 33.42 | 27.76 | 22.45 | 30.04 | 37.5 | 35.13 | 31.69 |
| ROA(%) | 2.62 | 3.06 | 3.16 | 3.31 | 3.85 | 3.67 | 2.65 | 3.68 | 4.74 | 4.45 | 4 |
| ROE(%) | 18.71 | 21.09 | 21.7 | 19.68 | 22.62 | 20.37 | 12.86 | 17.59 | 23.7 | 22.32 | 19.58 |
| ROCE(%) | 11.54 | 12.97 | 12.91 | 12.09 | 12.67 | 11.95 | 9.38 | 10.26 | 11.76 | 11.92 | 11.37 |
| Price/Earnings(x) | 22.81 | 29.02 | 34.96 | 40.77 | 43.68 | 25.26 | 70.08 | 62.31 | 29.5 | 30.96 | 33.39 |
| Price/Book(x) | 4.27 | 5.07 | 6.69 | 6.46 | 8.92 | 4.14 | 8.46 | 10.11 | 6.31 | 5.91 | 5.8 |
| Dividend Yield(%) | 0.44 | 0.36 | 0.31 | 0.23 | 0.2 | 0.45 | 0.19 | 0.28 | 0.53 | 0.5 | 0.63 |
| EV/Net Sales(x) | 8.72 | 9.98 | 11.35 | 13.14 | 14.91 | 9.91 | 16.46 | 18.95 | 13.33 | 13.32 | 12.96 |
| EV/Core EBITDA(x) | 12.79 | 14.62 | 16.78 | 19.44 | 21.14 | 15.17 | 27.73 | 30.36 | 19.22 | 18.84 | 18.85 |
| Interest Earned Growth(%) | 0 | 35.52 | 36.65 | 28.29 | 44.59 | 42.66 | 1.2 | 18.55 | 30.88 | 32.75 | 26.76 |
| Net Profit Growth | 0 | 42.41 | 43.62 | 35.94 | 60.03 | 31.76 | -16.03 | 59.02 | 63.74 | 25.58 | 16.11 |
| EPS Growth(%) | 0 | 32.96 | 40.64 | 29.25 | 59.56 | 26.69 | -16.26 | 58.57 | 63.42 | 22.83 | 14.6 |
| Interest Coverage(x) % | 1.6 | 1.66 | 1.73 | 1.82 | 1.92 | 1.76 | 1.63 | 1.96 | 2.22 | 2.02 | 1.88 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 55.87 | 55.87 | 54.78 | 54.69 | 54.7 | 54.7 | 54.7 | 54.73 | 54.73 | 54.66 |
| FII | 20.09 | 20.41 | 20.92 | 20.56 | 21.09 | 20.81 | 20.79 | 21.46 | 21.71 | 21.97 |
| DII | 12.9 | 13.12 | 14.08 | 14.4 | 14.31 | 15.09 | 15.17 | 14.86 | 14.59 | 14.47 |
| Public | 11.14 | 10.6 | 10.22 | 10.35 | 9.91 | 9.4 | 9.34 | 8.94 | 8.96 | 8.89 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Promoter | 33.85 | 33.85 | 33.85 | 33.85 | 33.86 | 33.86 | 33.86 | 34.01 | 340.12 | 340.15 |
| FII | 12.18 | 12.37 | 12.93 | 12.73 | 13.05 | 12.88 | 12.87 | 13.33 | 134.94 | 136.73 |
| DII | 7.82 | 7.95 | 8.7 | 8.92 | 8.86 | 9.34 | 9.39 | 9.24 | 90.68 | 90.03 |
| Public | 6.75 | 6.43 | 6.32 | 6.41 | 6.13 | 5.82 | 5.78 | 5.56 | 55.68 | 55.35 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 60.59 | 60.59 | 61.8 | 61.9 | 61.9 | 61.9 | 61.9 | 62.14 | 621.43 | 622.25 |
* The pros and cons are machine generated.
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