Bajaj Finserv Ltd.

NSE: BAJAJFINSV BSE: 532978 SECTOR: Finance - Investment

11999.35
+180.8 (1.53%)
NSE: 18 Jun 03:59 PM

Price Summary

Today's High

₹ 12100

Today's Low

₹ 11720.85

52 Week High

₹ 12208

52 Week Low

₹ 5400

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.
FinancialsVery Stable
The company possesses stable growth history and sound margins.

Company Essentials

Market Cap

190954.59 Cr.

Advances

0 Cr.

No. of Shares

15.91 Cr.

P/E

1068.1

P/B

50.24

Face Value

₹ 5

Div. Yield

0.03%

Book Value (TTM)

₹  238.85

Operating Revenue

779.86 Cr.

Net Profit

666.86 Cr.

Promoter Holding

60.8%

EPS (TTM)

₹  11.23

Sales Growth

84.34 %

ROE

20.1 %

ROCE

20.44 %

Profit Growth

117.1 %

* 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 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* 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.

 Group Companies

Ratios

Income Growth

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

Profit Growth

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

9.12

PAT Margin (%)

85.510219783038

EPS Growth(%)

117.098023895563

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2021 60.8 0
Dec 2020 60.8 0.01
Sep 2020 60.8 0.01
Jun 2020 60.8 0
Mar 2020 60.8 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 0% over past 3 years.
  • Promoters shareholding is 60.8%.

 Limitations

  • The company is trading at 50.2390671774582 times the book value.
  • Provision and contingencies have increased by 50.1869158878505%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
Operating Revenue 343.58 27.63 25.67 19.73 250.7
Other Income 9.49 10.31 13.96 26.94 17.09
Interest Expended 0 0 0 0 0
Operating Expenses 31.22 33.62 37.57 35.42 35.64
Total Provisions 0 0 0 0 0
Depreciation 1.09 1.13 1.13 1.17 1.25
Profit Before Tax 320.76 3.19 0.93 10.08 230.9
Tax 2.61 2.15 0.29 1.68 62.2
Net Profit 318.15 1.04 0.64 8.4 168.7

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

PARTICULARS Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020
Operating Income 242.65 153.9 241.9 423.05 779.86
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 6.17 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 2.01 1.88 0.89
Current liabilities 31.94 29.11 36.61 48.03 55.9
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
Intangible WIP 0 0 0 0 0
Investments 2102.88 2489.71 2735.26 2933.81 3200.72
Other Loans 30.35 32.71 20.28 32.03 26.99
Other N/C Assets 3.72 2.15 2.09 1.42 0.88
Current Assets 534.2 220.31 85.15 116.58 210.75
Total Assets 2747.27 2814.13 2918.37 3184.97 3592.22
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
Promoters 60.8 60.8 60.8 60.8 60.8
BACHHRAJ AND COMPANY PRIV... 1.27 1.27 1.27 1.27 0
BACHHRAJ FACTORIES PRIVA... 0.68 0.68 0.68 0.68 0
BAJAJ AUTO HOLDINGS LIMIT... 0.13 0.13 0.13 0.13 0
BAJAJ HOLDINGS AND INVEST... 39.16 39.16 39.16 39.16 0
BAJAJ SEVASHRAM PRIVATE L... 1.5 1.5 1.5 1.5 0
BARODA INDUSTRIES PRIVATE... 0.58 0.58 0.58 0.58 0
DEEPA BAJAJ 0.02 0.02 0.02 0.02 0
GEETIKA BAJAJ 0.12 0.12 0.12 0 0
HERCULES HOISTS LIMITED 0.06 0.06 0.06 0.06 0
JAMNALAL SONS PRIVATE LIM... 9.64 9.64 9.64 9.64 0
KAMALNAYAN INVESTMENT & T... 0.04 0.04 0.04 0.04 0
KRITI BAJAJ 0.02 0.02 0.02 0.02 0
KUMUD BAJAJ 0.25 0.25 0.25 0.25 0
MADHUR SECURITIES PVT LTD... 0.03 0.03 0.03 0.03 0
MINAL BAJAJ 0.1 0.1 0.1 0.1 0
NEELIMA BAJAJ SWAMI 0.18 0.18 0.18 0.18 0
NIMISHA JAIPURIA 0.18 0.18 0.18 0.18 0
NIRAJ HOLDINGS PVT LTD 0.01 0.01 0.01 0.01 0
NIRAVNAYAN BAJAJ 0.13 0.13 0.13 0.13 0
RAHUL SECURITIES PVT LTD 0.09 0.09 0.09 0.09 0
RAHULKUMAR BAJAJ 0.17 0.17 0.17 0.03 0
RISHABNAYAN BAJAJ 0.01 0 0 0 0
RUPA EQUITIES PVT LTD 0.09 0.09 0.09 0.09 0
SANJALI BAJAJ 0.03 0.03 0.03 0.03 0
SHEFALI BAJAJ 0.03 0.03 0.03 0.03 0
SHEKHAR HOLDINGS PVT LTD 0.02 0.02 0.02 0.02 0
SIDDHANTNAYAN BAJAJ 0.01 0.01 0.01 0.03 0
SUMAN JAIN 0.36 0.36 0.36 0.36 0
THE HINDUSTAN HOUSING COM... 0.01 0.01 0.01 0.01 0
KIRAN BAJAJ 0.62 0.62 0.62 0.62 0
LATE ANANT BAJAJ 0.02 0.02 0.01 0 0
MADHUR BAJAJ 0.61 0.61 0.61 0.61 0
NIRAJ BAJAJ 0.57 0.57 0.57 0.57 0
SANJIVNAYAN BAJAJ 0.26 0.26 0.26 0.26 0
SHEKHAR BAJAJ 0.02 0.02 0.02 0.14 0
SUNAINA KEJRIWAL 0.44 0.44 0.44 0.44 0
LATE ANANT BAJAJ NOTE 1 0 0 0 0 0
GEETIKA TRUST NO 2 (KIRAN... 0.16 0.16 0.16 0.16 0
KRITI TRUST (NIRAJ BAJAJ)... 0.02 0.02 0.02 0.02 0
MAHARASHTRA SCOOTERS LTD 2.34 2.34 2.34 2.34 0
NIRAVNAYAN TRUST (NIRAJ B... 0.27 0.27 0.27 0.27 0
SHEETAL BAJAJ 0.02 0.02 0.02 0.02 0
Aryaman Family Trust (Man... 0.05 0.05 0.05 0.08 0
Nirvaan Family Trust (Sun... 0.05 0.05 0.05 0.08 0
RAJIVNAYAN BAJAJ 0.04 0.04 0.04 0.07 0
Rishab Family Trust (Raji... 0.38 0.38 0.38 0.38 0
SIDDHANT FAMILY TRUST (Sa... 0.02 0.02 0.02 0.03 0
VANRAJ BAJAJ 0 0.01 0.01 0.01 0
POOJA BAJAJ 0 0 0 0.01 0
SANJALI FAMILY TRUST (San... 0 0 0 0.03 0
PARTICULARS Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
Public 24.34 24.87 24.67 24.17 24.05
IEPF 0.06 0.06 0.06 0.06 0.06
JAYA HIND INDUSTRIES LIMI... 3.85 3.85 3.85 3.85 3.85
NIRAJ BAJAJ 1.15 1.15 1.15 0 0
NIRAJ BAJAJ AS A TRUSTEE ... 0 0 0 0 0
NIRAJ BAJAJ (TRUSTEE- YAM... 0 0 0 1.15 1.15
PARTICULARS Mar 2020 Jun 2020 Sep 2020 Dec 2020 Mar 2021
FII/DII 14.86 14.33 14.54 14.85 15.16
LIFE INSURANCE CORPORATIO... 0 0 1.42 1.42 1.5
QUALIFIED INSTITUTIONAL B... 0.42 0.45 0.93 1.04 1.02
LICI NEW ENDOWMENT PLUS-B... 1.42 1.42 0 0 0
AXIS MUTUAL FUND TRUSTEE ... 1.15 0 0 0 0
AXIS MUTUAL FUND TRUSTEE ... 0 1 0 0 0
AXIS EQUITY ADVANTAGE FUN... 0 0 1.17 0 0
EUROPACIFIC GROWTH FUND 0 0 0 0 1.1

Ratings & Research Reports

Company Presentations

Company News

Bajaj Finserv’s EMI Store offers Carrier ACs on no cost EMIs19 Jun 2021, 11:20AM Bajaj Finserv’s EMI Store offers customers gift vouchers up to Rs 1,000 on select items16 Jun 2021, 12:52PM Bajaj Finserv informs about newspaper publication16 Jun 2021, 10:31AM Bajaj Finserv’s EMI Store offers great deals, discounts on Vivo mobiles14 Jun 2021, 1:11PM Bajaj Finserv’s EMI Store offers cashback up to Rs 750 on range of premium mattresses11 Jun 2021, 1:27PM Bajaj Finserv’s arm declares bonus of Rs 1,156 crore for policyholders10 Jun 2021, 11:41AM Bajaj Finserv informs about analyst meet7 Jun 2021, 4:17PM Bajaj Finserv’s EMI Store unveils exciting EMI deals on wide variety of Samsung refrigerators28 May 2021, 2:48PM Bajaj Finserv’s EMI Store offers no cost EMI deals across wide range of Sony LED TVs26 May 2021, 1:15PM Bajaj Finserv’s arm to offer financial support of Rs 1 crore to covid impacted employees' families 20 May 2021, 10:58AM Bajaj Finserv launches new comprehensive family assistance programme for employees18 May 2021, 11:45AM Bajaj Finserv launches public awareness campaign on financial fraud risks7 May 2021, 2:56PM Bajaj Finserv’s EMI Store offering customers chance to shop for Haier AC on no cost EMIs7 May 2021, 12:56PM Bajaj Finserv informs about outcome of board meeting28 Apr 2021, 4:19PM Bajaj Finserv reports 5- fold jump in Q4 consolidated net profit28 Apr 2021, 3:40PM Bajaj Finserv informs abut outcome of board meeting28 Apr 2021, 1:36PM Bajaj Finserv’s EMI Store offering air conditioners on discounts26 Apr 2021, 1:37PM Bajaj Finserv’s EMI Store unveils exclusive offer on OPPO F19 series23 Apr 2021, 1:56PM Bajaj Finserv’s EMI Store launches summer sale20 Apr 2021, 1:55PM Bajaj Finserv’s EMI Store offers cashback benefits on Vivo Mobiles16 Apr 2021, 12:49PM Bajaj Finserv submits schedule of analyst meeting10 Mar 2021, 1:31PM Bajaj Finserv’s arm launches post-retirement fund guarantee plan 25 Feb 2021, 11:30AM Bajaj Finserv reports 15% rise in Q3 consolidated net profit21 Jan 2021, 9:57AM Bajaj Finserv informs about conference call11 Jan 2021, 10:44AM Bajaj Finserv’s arm partners with Jammu & Kashmir Government30 Dec 2020, 12:56PM Bajaj Finserv offers instant personal loans to customers29 Dec 2020, 3:45PM Bajaj Finserv offers customers hassle-free shopping experience via EMI Store22 Dec 2020, 2:35PM Bajaj Finserv offers pre-approved personal loans15 Dec 2020, 12:27PM Bajaj Finserv offers personal loans to customers with simplified borrowing experience19 Nov 2020, 2:11PM Bajaj Finserv informs about outcome of analyst meet11 Nov 2020, 10:39AM Bajaj Finserv partners with Reliance Digital5 Nov 2020, 2:49PM Bajaj Finserv reports 18% fall in Q2 consolidated net profit22 Oct 2020, 10:34AM Bajaj Finserv informs about issuance of duplicate share certificate19 Oct 2020, 10:58AM Bajaj Finserv submits compliance certificate12 Oct 2020, 10:29AM Bajaj Finserv informs about certificate12 Oct 2020, 10:27AM Bajaj Finserv informs about analyst meet24 Sep 2020, 10:29AM Bajaj Finserv’s arm launches first core offering ‘Aarogya Care’22 Sep 2020, 11:17AM Bajaj Finserv reports 44% rise in Q1 consolidated net profit22 Jul 2020, 12:04PM Bajaj Finserv submits newspaper publication24 Jun 2020, 10:25AM Bajaj Finserv informs about conference call7 May 2020, 3:04PM

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 111.966676873707 %. 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 11818.05. 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 49.48 . 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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