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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/E33.9
Book Value₹ 172
Price to Book4.89
Dividend Yield0.58 %
ROCE11.5 %
ROE18.8 %
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 35.1% 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 20.2%

CONS

  • Free cash flow has been persistently negative
  • Valuation is stretched - P/E of 33.9 is well above its own 5-year median (3.5)
  • Thin net interest margin of 0.0%
  • Recurring exceptional / one-off items are inflating headline profit
  • Operating margins have contracted to 63.4% from 66.6%

* 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

Standalone Figures in Rs. Crores / View Consolidated

Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
10,43711,16611,85012,47713,36114,14314,99015,49916,43116,89517,74418,3071,98,024
3,5053,7244,0334,1584,7365,1055,4345,5965,6935,9987,6066,2211,26,402
Operating Profit7,1607,6878,0708,6028,98814,4719,93710,04311,00311,18712,79512,2091,33,067
OPM %68.61%68.84%68.10%68.94%67.27%102.32%66.29%64.80%66.97%66.22%72.11%66.69%67.20%
Other Income112424231112017
Interest3,0133,3513,6183,8614,2024,5444,7774,9135,2225,2445,4645,48758,743
Depreciation1431451621791861962052362362422272382,702
4,0054,1914,2914,5664,6027,1914,9784,9055,5465,7035,9386,48471,629
Tax %26.11%25.89%25.96%25.50%26.09%21.93%25.56%19.66%25.48%25.47%22.86%25.37%25.37%
Net Profit2,9593,1063,1773,4023,4025,6143,7063,9404,1334,2514,5814,84053,455
49515255696677789

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026TTM
9,96312,63717,38623,82323,53227,87235,68446,93958,52469,85172,748
3,2484,0685,1898,76510,33111,26011,94115,26120,81025,54532,465
Operating Profit6,7158,57012,19715,05813,20116,61223,74431,67837,71344,30640,284
OPM %67.40%67.81%70.15%63.21%56.10%59.60%66.54%67.49%64.44%63.43%55.37%
26121312147573,4401,9561,170
Interest3,8534,6496,0377,9907,5507,6789,42414,00318,65621,64822,069
Depreciation71102137271302355444629822942977
Profit before Tax2,8183,8316,0356,8085,3638,58613,88217,05321,67623,67225,288
Tax %34.82%35.15%35.54%28.30%26.24%26.04%25.87%25.85%23.13%24.79%24.80%
Net Profit1,8372,4853,8904,8813,9566,35010,29012,64416,66217,80419,016
EPS33.6743.7166.9582.6065.33104.63169.51204.60268.3728.63—
Dividend Payout %10.72%9.26%8.90%12.29%15.21%19.00%17.62%17.60%20.87%20.95%—

COMPOUNDED SALES GROWTH

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

COMPOUNDED PROFIT GROWTH

10 Years:
30%
5 Years:
35%
3 Years:
20%

STOCK PRICE CAGR

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

RETURN ON EQUITY

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

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

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
9,49115,62019,31031,48035,51541,53850,81770,87886,9371,01,343
49,94964,48687,5051,04,5201,00,1451,23,4071,62,1142,21,2462,76,1003,24,169
Trade Payables3094395486376667519531,0011,1211,281
7,0411923613999181,2921,6012,4392,5443,358
Total Liabilities66,90080,8521,07,8391,37,1561,37,3641,67,1082,15,6062,95,6883,66,8254,30,773
3614656541,2281,2271,5982,1473,0603,5753,724
Capital Work in Progress000071315252762
4,0753,65310,37020,13920,16916,37228,73837,15341,71638,074
00000001,2451,3811,566
Cash & Bank3262292426791,3742,9012,3167,16312,45312,434
62,13876,50696,5731,15,1091,14,5871,46,2241,82,3912,47,0413,07,6733,74,913
Total Assets66,90080,8521,07,8391,37,1561,37,3641,67,1082,15,6062,95,6883,66,8254,30,773

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
-6,267-15,719-13,524-12,0035,686-21,516-23,736-52,380-50,633-40,854
Cash from Investing-3,048505-6,638-9,6334243,806-12,400-9,721-1,462-1,146
Cash from Financing12,51616,58922,34424,177-4,11321,55038,02164,77451,60440,260
-972-97134356971,501-1,6822,674-491-1,741

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
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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