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Bajaj Finance Ltd.

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bajajfinserv.in/financeBSE: 500034NSE: BAJFINANCE
Market Cap₹ 6,43,888 Cr.
Current Price
High / Low₹ 1,176 / 788
Stock P/E31.7
Book Value₹ 191
Price to Book4.42
Dividend Yield0.58 %
ROCE10.9 %
ROE18.5 %
Face Value₹ 1

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ABOUT

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 34.3% CAGR over last 5 years
  • Comfortable capital adequacy - CAR of 21.6%
  • Solid return on assets for a lender - ROA of 4.5%
  • Asset quality is healthy - gross NPA of just 1.0%
  • Company has a good return on equity (ROE) track record: 3 Years ROE 20.1%

CONS

  • Company has a low return on capital employed of 11.4%
  • Free cash flow has been persistently negative
  • Valuation is stretched - P/E of 31.7 is well above its own 5-year median (3.3)
  • Thin net interest margin of 0.0%
  • Growth is decelerating - 3Y profit CAGR (18.9%) trails the 5Y trend (34.3%)

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

Peer comparison

Financial ServicesFinanceFinance - NBFC
Part ofNIFTY 50NIFTYLARGEMIDCAP250NIFTY100 EQL WGTNIFTY FIN SERVICENIFTY TOTAL MKT
S.No.Name
1.BAJFINANCE1034.2031.71643888.190.586080.6027.6023165.4520.3710.8770.70
2.SHRIRAMFIN1028.0021.37241893.031.053452.7759.9013400.4317.4611.4974.63
3.CHOLAFIN1845.0027.40157575.180.111656.2245.568856.2921.899.7070.07
4.TATACAP362.8028.50154003.850.1616281.801464.1688219.301051.008.6675.72
5.JIOFIN230.0073.49151872.260.26830.25155.732004.47227.282.1169.71
6.BAJAJHLDNG11120.7013.97123766.171.752708.08-92.27394.3323.3414.81684.72
7.MUTHOOTFIN2794.409.86112186.351.072824.8443.088671.6036.2515.8783.76
8.ABCAPITAL398.6026.59109118.680.001223.8543.8512179.54137.848.8241.91
9.LTF309.5024.3777571.610.89915.9930.705212.9222.388.5462.13
10.SBICARD656.0527.4462432.550.38664.4419.515040.557.6011.7529.83
11.HDBFS668.6525.5355549.100.60785.2038.314937.9018.719.0957.98
12.SUNDARMFIN4714.6523.6052381.580.85636.1933.882644.1323.379.3580.61
Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
12,25313,11413,89514,63315,72116,72717,63018,16019,24519,86420,88221,4762,31,654
3,6933,9314,2294,4204,9565,3385,6915,8655,9926,3077,9386,5531,50,225
Operating Profit8,8059,4519,93410,50711,14411,75312,34412,43013,53213,87212,74615,0531,63,777
OPM %71.86%72.07%71.50%71.81%70.89%70.26%70.02%68.45%70.31%69.84%61.04%70.09%70.70%
Other Income2235242312421110
Interest4,1034,5374,8685,2175,6846,1496,3866,5516,9187,0117,3397,39879,421
Depreciation1561591761932002102192522512582442562,876
4,5484,7584,8945,1025,2635,3985,7625,6396,3676,6055,4297,40081,490
Tax %24.50%25.37%25.68%25.10%25.72%25.71%25.29%19.54%25.17%25.14%25.14%25.09%25.38%
Net Profit00003,9124,0144,3084,5464,7654,9484,0665,55360,806
575959626677886910

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
9,96712,74418,48726,37426,66831,64041,41054,97468,80681,98285,387
3,2514,1155,4549,16110,84611,90512,70616,11121,79126,81635,820
Operating Profit6,7168,62913,03317,21315,82219,73528,70438,86347,01555,16649,567
OPM %67.39%67.71%70.50%65.26%59.33%62.37%69.32%70.69%68.33%67.29%58.05%
2512131215889919542-261
Interest3,8534,6966,7239,6089,5199,85512,70118,88624,99128,89929,690
Depreciation711021442953253854856838811,0091,045
Profit before Tax2,8173,8436,1797,3225,9929,50415,52819,31022,08025,81727,582
Tax %34.82%35.05%35.35%28.11%26.24%26.05%25.89%25.16%24.00%25.12%25.20%
Net Profit1,8362,4963,9955,2644,4207,02811,50814,45116,77919,33220,632
EPS33.6743.9268.7589.0773.00115.79189.57233.84267.9830.58—
Dividend Payout %10.72%9.22%8.66%11.40%13.61%17.17%15.76%15.40%20.90%19.62%—

COMPOUNDED SALES GROWTH

10 Years:
27%
5 Years:
25%
3 Years:
26%

COMPOUNDED PROFIT GROWTH

10 Years:
31%
5 Years:
34%
3 Years:
18%

STOCK PRICE CAGR

10 Years:
25%
5 Years:
7%
3 Years:
12%
1 Year:
7%

RETURN ON EQUITY

10 Years:
20%
5 Years:
20%
3 Years:
20%
Last Year:
19%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

Corporate actions

2025

Jun 16

4:1

Stock Split & Bonus issue & Audited Results & Special Dividend

2016

Sep 8

1:1

With reference to the earlier letter dated June 27, 2016, intimating the date of meeting of the Board of Directors, i.e. July 26, 2016, scheduled to consider and take on record the unaudited financial results for the quarter ended June 30. 2016, Bajaj Finance Ltd has now informed BSE that at the said meeting, the Board may also consider: a. Sub-division of equity shares of the Company of face value of Rs. 10 each, and/or b. Issue of fully-paid bonus equity shares to the members of the Company. The aforesaid proposal(s), if approved by the Board, will be subject to the approval of the shareholders. As intimated vide letter dated June 27, 2016, trading window for dealing in securities of the Company in terms of the Code of Conduct under the SEBI (Prohibition of Insider Trading) Regulations, 2015, shall remain closed from July 01, 2016 to July 28, 2016 (both days inclusive) for directors, designated employees and connected persons of the Company. The period of closure of trading window will remain unchanged.

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital109115115120120121121124124622
Minority Interest000000002,2442,987
9,49115,65119,44431,99436,49543,19453,69675,56395,6181,12,176
49,94967,5841,02,9901,30,1521,31,9961,65,5982,17,1212,94,2763,62,1984,36,595
Trade Payables3094465647628841,1571,4522,0641,8782,105
7,0412364515121,0291,4841,9002,6972,9233,908
Total Liabilities66,90084,0311,23,5631,63,5411,70,5242,11,5552,74,2893,74,7244,64,9865,58,392
3664706951,3211,3161,7162,3083,2503,7803,947
Capital Work in Progress000071315252762
4,0703,1398,59917,54418,39712,24622,75230,88134,44130,578
00000001,6241,7921,839
Cash & Bank3263403491,3832,1413,5463,0328,29713,44815,018
62,13880,0811,13,9211,43,2931,48,6641,94,0332,46,1833,30,6474,11,4985,06,949
Total Assets66,90084,0311,23,5631,63,5411,70,5242,11,5552,74,2893,74,7244,64,9865,58,392

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-6,266-19,082-26,846-22,176675-34,504-38,140-69,843-67,792-65,790
Cash from Investing-3,0471,075-5,379-8,758-4296,347-10,394-10,088-2,765-3,389
Cash from Financing12,51319,50334,44934,1671,74132,27550,67582,41570,16567,433
-9721399985051,532-1,8312,484-392-1,746

Ratios

Consolidated Figures in Rs. Crores / View Standalone

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
54.7054.7054.7054.7354.7354.6654.7054.7054.67
21.0820.8120.7921.4521.7121.9721.4921.3320.20
14.2315.0115.0814.7814.5214.3914.8615.1016.30
Government0.000.000.000.000.000.000.000.000.00
9.919.409.348.948.968.898.868.788.72

Documents

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

2026-09-08
Allotment of Securities

2026-09-08 - Bajaj Finance Limited has informed the Exchange regarding allotment of 205000 Non Convertible Securities at its meeting held on September 08, 2026

2026-09-01
Address Change

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

2026-08-27
Allotment of Securities

2026-08-27 - Bajaj Finance Limited has informed the Exchange regarding allotment of 500000 Non Convertible Securities at its meeting held on August 27, 2026.

2026-08-26
Analysts/Institutional Investor Meet/Con. Call Updates

2026-08-26 - Bajaj Finance Limited has informed the Exchange about Schedule of meet

2026-08-18
Allotment of Securities

2026-08-18 - Bajaj Finance Limited has informed the Exchange regarding allotment of 50000 Non Convertible Securities at its meeting held on August 18, 2026

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

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

2026-08-12
Resignation of Director/KMP/SMP

2026-08-12 - Bajaj Finance Limited has informed the Exchange about Resignation of Director/KMP/SMP

2026-08-11
Resignation

2026-08-11 - Bajaj Finance Limited has informed the Exchange regarding Resignation of Mr. Amit Raghuvanshi as President - Cars, Two-Wheeler & Sales Finance w.e.f. close of business hours on August 11, 2026.

2026-08-10
Allotment of Securities

2026-08-10 - Bajaj Finance Limited has informed the Exchange regarding allotment of 111500 Non Convertible Securities at its meeting held on August 10, 2026

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