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Bajaj Finserv Ltd.

•
bajajfinserv.inBSE: 532978NSE: BAJAJFINSV
Market Cap₹ 3,07,163 Cr.
Current Price
High / Low₹ 2,195 / 1,597
Stock P/E138.4
Book Value₹ 66
Price to Book27.45
Dividend Yield0.08 %
ROCE19.2 %
ROE16.5 %
Face Value₹ 1

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ABOUT

KEY POINTS

Revenue Breakup Mar 2012 • Insurance: 82.3% • Retail Financing: 16.1% • Investments and Others: 1.0%

AI Sector View

AI GENERATED

Financial Services

Buy

Financials remain one of the clearest macro beneficiaries. Loan growth was 18.3% (Aug/26) versus deposit growth 14.7% (Aug/26), SCB credit growth was 17.5% YoY (2026-07), UPI transactions rose 22.0% YoY (2026-07), and M3 money supply grew 15.0% YoY (2026-07). Sector flows have also turned meaningfully supportive, with INR 13171 crore net FPI inflow over 3 months to 2026-08-31 after INR -114652 crore in the prior 3 months.

Confidence
84%
View full sector analysis →

PROS

  • Company has delivered good profit growth of 51.6% CAGR over last 5 years
  • Solid return on assets for a lender - ROA of 15.2%
  • Company has a healthy return on capital (ROCE) of 24.2%
  • Company has a good return on equity (ROE) track record: 3 Years ROE 20.0%
  • Latest quarter profit grew 238.7% YoY, showing strong momentum
  • Company has delivered good sales growth of 44.2% CAGR over last 5 years

CONS

  • Recent results are weak - TTM profit is down 59.1% versus prior year
  • Stock is trading at 27.4x its book value
  • Growth is decelerating - 3Y profit CAGR (25.0%) trails the 5Y trend (51.6%)
  • Expensive relative to growth - PEG of 5.5

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

Financial ServicesFinanceFinance - Investment
Part ofNIFTY 50NIFTYLARGEMIDCAP250NIFTY100 LOWVOL30NIFTY100 EQL WGTNIFTY50 VALUE 20
S.No.Name
1.BAJAJFINSV1917.3030.28307163.220.0862966.701081.55420369.001091.2611.8840.79
2.AIIL546.6522.1346422.910.0011082.201075.1914695.401109.3713.8588.91
3.CHOLAHLDNG1525.7510.7428650.150.091788.9942.0411113.5742.9210.5257.53
4.TVSHLTD13000.0513.3526301.840.661173.5873.7717076.1840.0119.3916.25
5.CGCL266.1022.7125602.920.08353.38102.041576.4762.1211.6868.54
6.MAHSCOOTER13002.5553.3514860.051.693.32-90.615.41-81.521.0684.10
7.JSWHL11435.9592.4012693.480.0024.54-92.7434.5814.970.5892.45
8.JMFINANCIL124.7511.4811938.082.61368.57-19.661200.539.6911.9158.30
9.TSFINV437.2519.959711.492.55124.95-92.11305.57102.233.4753.35
10.RELIGARE256.95161.258857.930.00-46.98-674.862353.401051.764.71-2.08
11.KAMAHOLD2282.957.877326.121.82584.0210.804657.567.0720.8622.01
12.PILANIINVS4196.35140.834646.300.21-47.26-17.5514.44-70.701.41-9.33
Detailed Comparison with:

Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
58899945409031,20667614261,46157431,534
545249395960656164776782116
Operating Profit541959058501,157643711,396-5-351,431
OPM %92.04%96.02%0.79%11.31%94.13%95.89%8.78%6.42%87.06%95.51%-8.44%-82.43%93.28%
Other Income888119101092098238
Interest0000000000000
Depreciation11111112111213
5499677148571,16615123891,4032-131,426
Tax %26.46%21.96%40.43%45.31%26.17%22.15%26.53%35.08%15.21%22.67%71.69%218.86%21.60%
Net Profit404754486339081183301,0851161,118
2500460027001

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
1542424237803246241,0761,6992,2622,0163,095
6084121130142162170194246290343
Operating Profit941583026491814629071,5062,0161,7262,753
OPM %61.31%65.40%71.39%83.28%56.06%74.10%84.23%88.61%89.14%85.61%88.93%
11102635681057135386149
Interest00000000000
Depreciation112354334618
Profit before Tax1041673266822455639751,5372,0491,7812,817
Tax %32.67%15.30%5.77%2.20%27.06%24.68%24.84%23.87%23.94%19.61%21.23%
Net Profit701423076671794247331,1701,5591,4322,219
EPS4.408.9019.3041.9011.2026.664.607.349.778.96—
Dividend Payout %39.77%19.66%12.95%11.93%26.70%15.01%17.39%13.62%10.24%16.75%—

COMPOUNDED SALES GROWTH

10 Years:
24%
5 Years:
44%
3 Years:
23%

COMPOUNDED PROFIT GROWTH

10 Years:
24%
5 Years:
52%
3 Years:
25%

STOCK PRICE CAGR

10 Years:
21%
5 Years:
3%
3 Years:
7%
1 Year:
-6%

RETURN ON EQUITY

10 Years:
13%
5 Years:
17%
3 Years:
20%
Last Year:
17%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Corporate actions

2022

Sep 13

1:1

Bonus issue & Stock Split & Quarterly Results

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital808080808080159159160160
2,6862,8003,0523,4233,6184,0704,7755,9737,6429,343
2223200223
Trade Payables2352222383
45344684166287381513713841
Total Liabilities2,8142,9183,1853,5923,8694,4385,3186,6518,52510,350
686768153153105110108122122
Capital Work in Progress183302444513
2,6722,7582,9373,3403,4954,1915,0786,4017,8849,654
0000000111
Cash & Bank21260412422721187
7173869594116118115495553
Total Assets2,8142,9183,1853,5923,8694,4385,3186,6518,52510,350

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
801743366572447531,0291,3441,7241,610
Cash from Investing-264-104-237-575-149-565-805-1,304-1,723-1,721
Cash from Financing-1-28-28-119-0-483-25-4100
-2231148-5620-3-1414-3-11

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026

Shareholding Pattern

Numbers in percentages

Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
60.6460.6460.6460.6458.8158.8158.8158.7158.71
8.398.247.407.538.418.118.067.236.90
7.608.138.918.9910.0910.5010.7311.7612.11
Government0.000.000.000.000.000.000.000.000.00
23.3722.9923.0422.8322.7022.5922.3922.2922.28

Documents

Corporate disclosures, annual reports, credit ratings, and concall transcripts

2026-09-07
Updates

2026-09-07 - Bajaj Finserv Limited has informed the Exchange regarding 'information pertaining to the unlisted insurance subsidiaries of the Company'.

2026-09-01
Address Change

2026-09-01 - Bajaj Finserv Limited has informed the Exchange regarding change in Registered Office of the company.

2026-08-17
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-17 - Bajaj Finserv Limited has informed the Exchange about Schedule of meet

2026-08-07
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-07 - Bajaj Finserv Limited has informed the Exchange about Schedule of meet

2026-08-07
Updates

2026-08-07 - Bajaj Finserv Limited has informed the Exchange regarding 'information pertaining to the unlisted insurance subsidiaries of the Company'.

2026-08-05
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-05 - Bajaj Finserv Limited has informed the Exchange about Transcript of earnings call held on 31 July 2026.

2026-08-03
Shareholders meeting

2026-08-03 - Bajaj Finserv Limited has submitted the Exchange a copy Srutinizers report of Annual General Meeting held on July 31, 2026. Further, the company has informed the Exchange regarding voting results.

2026-07-31
Analysts/Institutional Investor Meet/Con. Call Updates

2026-07-31 - Bajaj Finserv Limited has informed the Exchange about Link of Recording

2026-07-31
Shareholders meeting

2026-07-31 - Bajaj Finserv Limited has informed the Exchange regarding Proceedings of 19th Annual General Meeting held on July 31, 2026

News

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