Bajaj Finance Limited

Bajaj Finance Limited

939.95
INR
+14.85
(+1.61%)
33.12EPS
30.76P/E
6.25TMarket Cap
Jan 20Next Earn
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
5.6
7.11
8.89
12.16
13.53
19.37
27.04
26.67
33.41
44.65
56.27
67.05
79.92
84.51
Basic EPS, GAAP
1.45
1.8
2.42
3.4
4.44
6.93
8.98
7.36
11.66
19.05
23.69
26.89
30.6
32.66
Free Cash Flow per Basic Share
-12.26
-14.16
-18.7
-19.33
-36.93
-51.13
-42.5
-1.86
-62.6
-71.18
-116.19
-111.33
-107.42
- -
Dividend per Share
0.15
0.16
0.36
0.07
0.35
0.4
1.61
- -
1
2
2.97
3.6
5.59
- -
Book Value per Share
8.02
9.57
13.79
16.46
27.42
34.08
53.73
61.27
72.46
89.96
124.1
155.75
183.34
- -
Tangible Book Value per Share
7.98
9.5
13.7
16.32
27.21
33.79
53.36
60.74
71.7
88.81
122.63
153.97
181.49
- -
Basic Weighted Avg Shares
4,966
4,990
5,277
5,400
5,626
5,762
5,863
6,007
6,026
6,040
6,100
6,186
6,214
6,216
Sales/Revenue/Turnover
27,794
35,456
46,930
65,639
76,095
111,600
158,561
160,226
201,322
269,669
343,263
414,796
496,655
525,339
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
293
357
563
712
1,021
1,442
2,946
3,253
3,846
4,854
6,833
8,810
10,090
10,450
Net Income, GAAP
7,190
8,979
12,786
18,364
24,964
39,950
52,638
44,198
70,282
115,077
144,512
166,378
190,174
203,035
Effective Tax Rate (%)
34.11
33.83
34.92
34.82
35.05
35.35
28.11
26.24
26.05
25.89
25.16
24
25.12
25.18
Profit Margin (%)
25.87
25.32
27.25
27.98
32.81
35.8
33.2
27.58
34.91
42.67
42.1
40.11
38.29
38.65
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
195,405
256,712
347,814
466,210
587,644
883,948
1,087,303
1,058,740
1,328,883
1,644,669
2,184,371
2,753,602
3,528,467
- -
Total Equity
39,916
48,000
74,268
90,528
158,478
196,975
323,276
369,184
437,127
543,720
766,954
989,369
1,169,855
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.54
3.33
3.52
3.75
3.83
4.37
4.23
3.11
4.4
5.82
5.62
4.93
4.43
- -
Return on Common Equity (%)
19.58
20.43
20.92
22.29
20.05
22.48
20.24
12.77
17.43
23.46
22.05
19.19
18.05
- -

Capital Structure

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
6,222
6,218
6,221
Market Capitalization
6,138,804
4,983,006
6,250,900

Working Capital

INR

•

in mil. unless spec.
Dec'26
Mar'26
Jun'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
40,162
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

INR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
33.06%
26.22%
18.24%
Free Cash Flow
338.66%
670.18%
-3.08%
Net Income, GAAP
33.31%
35.55%
14.3%
Sales/Revenue/Turnover
27.3%
25.49%
19.73%
Total Cash Common Dividend
2,268.59%
4,424.66%
56.24%

Quarterly Revenue

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
98,642
103,169
109,874
110,266
414,796
2026
116,921
123,338
128,665
131,627
496,655
2027
141,709
- -
- -
- -
- -

Quarterly Earnings Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
6.33
6.47
6.86
7.24
26.89
2026
7.57
7.85
6.4
8.79
30.6
2027
9.62
- -
- -
- -
- -

Quarterly Dividends Per Share

INR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
3.6
2026
- -
- -
- -
- -
5.59
2027
- -
- -
- -
- -
- -

Company Description

CEO
Rajeev Paraschandra Jain
Full Time Employees
155,369
Sector
Finance
Industry
Finance/Rental/Leasing
Address
Bajaj Finserv Corporate Office Pune MA India 411014
IPO Date
Jul 1, 2002
Business
Bajaj Finance Limited operates as a leading non-banking financial company (NBFC) in India, offering a diversified portfolio of financial products and services. Its core offerings encompass a wide range of consumer finance products including personal loans, consumer durable loans for electronics and appliances, two-wheeler loans, used car loans, home loans, and loan against property. The company also provides business finance such as small and medium enterprise (SME) loans, working capital loans, and equipment financing. Additional services include loans against securities (mutual funds, insurance policies, shares), developer finance, lease rental discounting, commercial and rural lending, micro-finance, auto financing, broking, and margin trade financing. Bajaj Finance also offers fixed deposits and digital financial products via its Bajaj Finserv app for loan and investment management. Founded in 1987 and headquartered in Pune, India, Bajaj Finance has expanded its operations across various regions in India, serving a broad customer base including retail consumers, small businesses, and corporates. The company forms a part of the Bajaj Finserv financial services group. Major recent developments include the strategic acquisition in March 2025 by Bajaj Finserv of Allianz SE’s 26% stake in Bajaj Allianz Life Insurance and Bajaj Allianz General Insurance for ₹24,180 crore, ending a 24-year partnership and making these ventures wholly owned subsidiaries. In 2025, Bajaj Finance implemented shareholder-friendly initiatives such as a 4:1 stock split, a bonus issue, and a substantial dividend payout to enhance stock liquidity and affordability. Additionally, the company entered a significant partnership with Bharti Airtel in 2025 to distribute its financial products through Airtel’s extensive digital and retail networks, aiming to boost digital inclusion and customer reach. Bajaj Finance has also announced plans to reduce its promoter holding in Bajaj Housing Finance by up to 2% via public share sales to comply with regulatory requirements, reflecting strategic portfolio adjustments. These strategic alliances, acquisitions, and operational expansions reinforce Bajaj Finance Limited’s position as a diversified and integrated financial services provider in India, focusing on digital innovation, consumer finance, and comprehensive lending solutions across multiple sectors.