Bajaj Finserv Ltd.

NSE: BAJAJFINSV  SECTOR: Finance - Investment

8755.2
-61.95 (-0.7%)

Price Summary

Today's High

₹ 8935.15

Today's Low

₹ 8685.05

52 Week High

₹ 10297

52 Week Low

₹ 3985.6

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.

Company Essentials

Market Cap

139328.01497088 Cr.

Advances

0 Cr.

No. of Shares

15.9137444 Cr.

P/E

431.33

P/B

38.73

Face Value

₹ 5

Div. Yield

0.06%

Book Value (TTM)

₹  226.0404

Operating Revenue

779.86 Cr.

Net Profit

666.86 Cr.

Promoter Holding

60.8%

EPS (TTM)

₹  20.2982

Sales Growth

84.3422763266753 %

ROE

20.1012810851545 %

ROCE

20.4446749788996 %

Profit Growth

117.098023895563 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1w1m3m6m1Yr3Yr5Yr

* Prices are based on daily market changes.

Valuation Chart 1w1m3m6m1Yr3Yr5Yr

* The chart is based on the standalone earnings of the company.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

Income Growth (in Cr.)

1 Year84.34%
3 Year71.76%
5 Year31.25%

Profit Growth (in Cr.)

1 Year117.1%
3 Year111.97%
5 Year39.57%

ROE%

1 Year20.1%
3 Year11.78%
5 Year8.82%

ROCE %

1 Year20.44%
3 Year12.4%
5 Year9.69%

ROA%

19.6795427013261

PEG Ratio

3.68

PAT Margin (%)

85.510219783038

EPS Growth(%)

117.098023895563

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2020 60.8 0
Dec 2019 60.71 0
Sep 2019 60.71 0
Jun 2019 60.71 0
Mar 2019 58.37 0
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 12.9017810642104%.
  • Company has maintained a good ROA of 11.5620432045165% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 71.7606437971059%.
  • The company has delivered substantial profit growth of 111.968269314121% over past 3 years.
  • Promoters shareholding is 60.8%.

 Limitations

  • The company is trading at 38.7328990746787 times the book value.
  • Provision and contingencies have increased by 50.1869158878505%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2019 Dec 2019 Mar 2020 Jun 2020 Sep 2020
Operating Revenue 381.39 30.59 343.58 27.63 25.67
Other Income 9.63 8.94 9.49 10.31 13.96
Interest Expended 0 0 0 0 0
Operating Expenses 36.28 32.48 31.22 33.62 37.57
Total Provisions 0 0 0 0 0
Depreciation 0.44 0.94 1.09 1.13 1.13
Profit Before Tax 354.3 6.11 320.76 3.19 0.93
Tax 9.27 2.92 2.61 2.15 0.29
Net Profit 345.03 3.19 318.15 1.04 0.64

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Operating Income 242.32 153.9 241.9 423.05 779.86
Other Income 9.13 11.1 10.36 25.51 35.3
Interest 0 0 0 0 0
Operating Expenses 50.8 54.96 77.52 111.87 117.21
Total Provisions 5.84 6.04 7.53 10.7 16.07
Exceptional Items 0 0 0 0 0
Profit Before Tax 194.81 104 167.21 325.99 681.88
Tax 31.68 33.98 25.59 18.82 15.02
Profit After Tax 163.13 70.02 141.62 307.17 666.86
Adjusted EPS (Rs.) 10.25 4.4 8.9 19.3 41.9

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Equity and Liabilities
Share Capital 79.57 79.57 79.57 79.57 79.57
Total Reserves 2616.41 2686.45 2800.18 3055.49 3455.86
Borrowings 0 0 0 0 0
Other N/C liabilities 19.35 19 3.82 19.29 18.3
Current liabilities 31.94 29.11 34.8 30.62 38.49
Total Liabilities 2747.27 2814.13 2918.37 3184.97 3592.22
Assets
Loans 0 0 0 0 0
Net Block 75.15 68.06 67.4 67.79 152.88
Capital WIP 0.97 1.19 8.19 33.34 0
Investments 2102.88 2489.71 2735.26 2933.81 3200.72
Other Loans 30.35 32.71 20.27 32.03 26.99
Other N/C Assets 3.72 2.15 2.47 2.16 1.27
Current Assets 534.2 220.31 84.78 115.84 210.36
Total Assets 2747.27 2814.13 2918.37 3184.97 3592.22
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Ratings & Research Reports

Company Presentations

Company News

Bajaj Finserv Stock Price Analysis and Quick Research Report. Is Bajaj Finserv an attractive stock to invest in?

 

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

To understand the functions of the Bajaj Finserv better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 666.86 Cr and the compounded growth of profit in the past 3 years is 111.968269314121 %. The PAT margin of Bajaj Finserv is 85.510219783038 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Bajaj Finserv , the EPS grew by 117.098023895563 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a healthy ROE track record. The ROE of Bajaj Finserv is at 20.1012810851545 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Bajaj Finserv is worth at the current levels at Rs 8755.2. The stock is trading at a current P/E ratio of 109.530158504034 and the average historical P/E for the last 5 years was 430.243956378708.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Bajaj Finserv is trading at a P/B of 38.7328990746787 . The average historical P/B for the last 5 years was 23.758412131899. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Bajaj Finserv

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