Bajaj Finserv

₹1573.3 10.2 | 0.6%

WEBSITE BSE:532978 NSE : BAJAJ FINSE 10 May, 16:01

Market Cap ₹251010 Cr.

Stock P/E 30.8

P/B 4.2

Current Price ₹1573.3

Book Value ₹ 378.1

Face Value 1

52W High ₹1741.9

Dividend Yield 0.06%

52W Low ₹ 1397.2

Edit Ratio

Bajaj Finserv Research see more...

Overview Inc. Year: 2007Industry: Finance - Investment

Bajaj Finserv Limited is a holding company for numerous financial services companies. The Company is in the business of promoting financial services, which include finance, coverage and wealth control, via its investments in subsidiaries and joint ventures. The Company is likewise engaged in the commercial enterprise of power generation thru wind turbines, a renewable source of energy. Its segments consist of Insurance, Windmill, Retail financing, and Investments and others. The Company is likewise involved in wind-farm activities. The Company makes a speciality of six classes: consumer lending, small and medium size company (SME) lending, commercial lending, rural lending, fixed deposits and fee introduced offerings. It serves diverse customers in the financial services area by means of presenting solutions for asset acquisition thru financing, asset protection thru general coverage, family and income safety in the form of life and health insurance, and retirement and savings solutions.

Bajaj Finserv Share Price

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Peer Comparison

Bajaj Finserv Quarterly Results

#(Fig in Cr.)	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Operating Revenue	17587	18862	15888	20803	21755	23625	23280	26023	29038	32041
Other Income	33	0	0	0	0	0	0	0	0	1
Total Income	17620	18862	15888	20803	21755	23625	23280	26023	29038	32042
Total Expenditure	11783	12769	9573	13416	13924	15470	13935	16073	18601	21108
Operating Profit	5837	6093	6315	7388	7831	8155	9345	9950	10438	10934
Interest Expense	2445	2481	2564	2961	3241	3436	4020	4449	4777	5154
Depreciation	143	149	157	168	172	181	202	209	232	257
Profit Before Tax	3249	3462	3594	4258	4419	4539	5123	5292	5429	5523
Provision for Tax	900	929	1016	1261	1119	1205	1416	1536	1386	1442
Profit After Tax	2350	2534	2578	2997	3300	3333	3707	3756	4044	4082
Adjustments	-1094	-1187	-1269	-1440	-1518	-1564	-1764	-1827	-1886	-1963
Profit After Adjustments	1256	1346	1309	1557	1782	1769	1943	1929	2158	2119
Adjusted Earnings Per Share	7.9	8.5	8.2	9.8	11.2	11.1	12.2	12.1	13.5	13.3

Bajaj Finserv Profit & Loss

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	TTM
Operating Revenue	5071	6022	7587	20533	24507	32862	42604	54833	60591	68406	82071	110382
Other Income	78	66	143	0	1	0	2	5	0	33	1	1
Total Income	5148	6088	7730	20534	24508	32863	42606	54837	60592	68439	82072	110383
Total Expenditure	1215	1592	2216	13795	15794	22074	27569	36580	40957	46976	52204	69717
Operating Profit	3933	4496	5514	6739	8713	10788	15037	18257	19635	21463	29868	40667
Interest Expense	1204	1563	2230	2877	3716	4531	6657	9500	9274	9629	12380	18400
Depreciation	22	31	38	58	73	160	226	457	498	563	678	900
Profit Before Tax	2708	2902	3246	3804	4925	6099	8155	8302	9862	11271	16811	21367
Provision for Tax	494	711	837	1029	1475	1922	2781	2308	2495	2957	4602	5780
Profit After Tax	2214	2191	2409	2775	3450	4176	5374	5994	7367	8314	12210	15589
Adjustments	-641	-647	-719	-911	-1188	-1526	-2155	-2624	-2897	-3757	-5792	-7440
Profit After Adjustments	1574	1544	1690	1863	2262	2650	3219	3369	4470	4557	6417	8149
Adjusted Earnings Per Share	9.9	9.7	10.6	11.7	14.2	16.7	20.2	21.2	28.1	28.6	40.3	51.1

Growth Rates

#	1 Year	3 Year	5 Year	10 Year
Sales CAGR	20%	14%	20%	32%
Operating Profit CAGR	39%	18%	23%	22%
PAT CAGR	47%	27%	24%	19%

#	1 Year	3 Year	5 Year	10 Year
Share Price CAGR	11%	12%	16%	34%
ROE Average	28%	24%	24%	24%
ROCE Average	13%	12%	13%	15%

Bajaj Finserv Balance Sheet

#(Fig in Cr.)	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Shareholder's Funds	7976	9495	11089	13599	16150	20483	23740	31301	35830	40247	46407
Minority's Interest	2899	3542	4226	5877	7201	10774	12808	19560	22464	26073	31191
Borrowings	7361	10300	17931	24549	32388	53479	46133	60264	64818	85413	101622
Current Liability	37208	38112	38111	40140	49812	76619	125553	139931	156422	181368	225753
Other Liabilities & Provisions	9805	12771	16625	19454	22638	-609	-490	-558	-316	-333	-488
Total Liabilities	65248	74220	87982	103618	128190	160746	207743	250499	279218	332768	404486
Loans	9548	13852	18120	24779	32028	79372	112848	141743	147100	191853	242750
Investments	17411	21831	25712	28426	31410	64569	71376	73013	94950	111620	125307
Fixed Assets	1208	1262	1261	1274	1640	1754	2059	3178	3142	3550	4301
Other Loans	215	300	326	425	407	209	305	441	382	525	700
Other Non Current Assets	4170	3770	3707	4433	5055	28	66	45	129	113	191
Current Assets	32695	33205	38857	44282	57650	14776	21051	32042	33476	25072	31202
Total Assets	65248	74220	87982	103618	128190	160746	207743	250499	279218	332768	404486

Bajaj Finserv Cash Flow

#(Fig in Cr.)	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Opening Cash & Cash Equivalents	4455	3544	4099	5261	7812	7913
Cash Flow from Operating Activities	-19580	-27076	-23369	4547	-33670	-39480
Cash Flow from Investing Activities	-922	-6903	-9948	-3684	1445	-13945
Cash Flow from Financing Activities	19590	34535	34479	1687	32326	51016
Net Cash Inflow / Outflow	-911	555	1162	2551	101	-2409
Closing Cash & Cash Equivalent	3544	4099	5261	7812	7913	5504

Bajaj Finserv Ratios

#	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023
Earnings Per Share (Rs)	9.89	9.7	10.62	11.71	14.21	16.65	20.23	21.17	28.09	28.63	40.29
CEPS(Rs)	14.05	13.96	15.38	17.8	22.13	27.25	35.19	40.53	49.43	55.78	80.92
DPS(Rs)	0.3	0.35	0.35	0.35	0.35	0.35	0.5	1	0.3	0.8	0.8
Book NAV/Share(Rs)	50.12	59.67	69.67	85.41	101.41	128.42	148.67	195.79	223.65	250.53	288.44
Net Profit Margin	43.67	36.38	31.75	13.51	14.08	12.71	12.61	10.93	12.16	12.15	14.88
Operating Margin	77.14	74.14	72.17	32.54	35.26	32.35	34.77	32.46	31.58	30.55	35.57
PBT Margin	53.41	48.18	42.79	18.53	20.09	18.56	19.14	15.14	16.28	16.48	20.48
ROA(%)	3.55	3.14	2.97	2.9	2.98	2.89	2.92	2.62	2.78	2.72	3.31
ROE(%)	33.29	25.08	23.41	22.49	23.21	22.84	24.37	21.87	22.07	22.03	28.46
ROCE(%)	21.44	17.87	16.49	15.35	15.15	14.12	14.13	12.65	11.9	11.47	12.73
Price/Earnings(x)	7.78	8.14	13.08	14.55	28.76	31.1	34.78	21.68	34.42	59.55	31.43
Price/Book(x)	1.53	1.32	1.99	1.99	4.03	4.03	4.73	2.34	4.32	6.81	4.39
Dividend Yield(%)	0.2	0.22	0.13	0.1	0.04	0.03	0.04	0.11	0.03	0.02	0.06
EV/Net Sales(x)	4.66	4.98	6.2	2.97	4.56	4.46	4.93	3.59	4.59	6.25	4.97
EV/Core EBITDA(x)	6.01	6.68	8.53	9.05	12.83	13.58	13.97	10.8	14.18	19.92	13.65
Interest Earned Growth(%)	29.92	18.76	25.99	170.64	19.35	34.09	29.64	28.7	10.5	12.9	19.98
Net Profit Growth	17.17	-1.05	9.96	15.17	24.33	21.06	28.67	11.53	22.92	12.84	46.86
EPS Growth(%)	8.85	-1.88	9.44	10.25	21.39	17.17	21.46	4.66	32.69	1.93	40.72
Interest Coverage(x) %	3.25	2.86	2.46	2.32	2.33	2.35	2.22	1.87	2.06	2.17	2.36

Bajaj Finserv Shareholding Pattern

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	60.8	60.77	60.8	60.75	60.75	60.78	60.79	60.69	60.69	60.69
FII	8.78	8.5	7.38	7.48	7.81	7.03	7.16	7.65	7.91	8.43
DII	6.75	6.97	7.7	7.01	6.91	7.1	7.3	7.1	7.49	7.32
Public	23.67	23.76	24.12	24.76	24.54	25.09	24.75	24.56	23.91	23.57
Others	0	0	0	0	0	0	0	0	0	0
Total	100	100	100	100	100	100	100	100	100	100

#	Dec 2021	Mar 2022	Jun 2022	Sep 2022	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024
Promoter	9.68	9.67	9.68	96.76	96.76	96.81	96.83	96.83	96.83	96.82
FII	1.4	1.35	1.17	11.91	12.44	11.2	11.41	12.21	12.63	13.45
DII	1.07	1.11	1.23	11.17	11	11.31	11.62	11.33	11.94	11.68
Public	3.77	3.78	3.84	39.45	39.08	39.96	39.42	39.19	38.15	37.6
Others	0	0	0	0	0	0	0	0	0	0
Total	15.91	15.91	15.91	159.28	159.28	159.28	159.28	159.55	159.55	159.55

Pros

Company has delivered good profit growth of 23% CAGR over last 5 years
Company has a good return on equity (ROE) track record: 3 Years ROE 24%

Cons

Stock is trading at 4.2 times its book value.

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

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Bajaj Finserv

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Bajaj Finserv Research see more...

Overview Inc. Year: 2007Industry: Finance - Investment

Bajaj Finserv Share Price

Alert Data

Quarterly Price

Peer Comparison

Bajaj Finserv Quarterly Results

Bajaj Finserv Profit & Loss

Growth Rates

Bajaj Finserv Balance Sheet

Bajaj Finserv Cash Flow

Bajaj Finserv Ratios

Bajaj Finserv Shareholding Pattern

Bajaj Finserv News

Top Unlisted Companies & InstaBuy Companies

SBI Mutual Fund

Orbis Financial

Orbis Financial

IPO

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