Bajaj Finserv Ltd.

NSE: BAJAJFINSV BSE: 532978 SECTOR: Finance - Investment

17018.95
+178.75 (1.06%)
NSE: 20 Sep 04:12 PM

Price Summary

Today's High

₹ 17334

Today's Low

₹ 16700.1

52 Week High

₹ 17499

52 Week Low

₹ 5400

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
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

270835.22 Cr.

Advances

0 Cr.

No. of Shares

15.91 Cr.

P/E

1520.61

P/B

71.25

Face Value

₹ 5

Div. Yield

0.02%

Book Value (TTM)

₹  238.87

Operating Revenue

323.73 Cr.

Net Profit

178.78 Cr.

Promoter Holding

60.8%

EPS (TTM)

₹  11.19

Sales Growth

-58.49 %

ROE

4.87 %

ROCE

6.68 %

Profit Growth

-73.19 %

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

Your Added Ratios

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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 Year-58.49%
3 Year10.2%
5 Year5.94%

Profit Growth

1 Year-73.19%
3 Year8.08%
5 Year1.85%

ROE%

1 Year4.87%
3 Year11.7%
5 Year8.54%

ROCE %

1 Year6.68%
3 Year12.66%
5 Year9.54%

ROA%

4.79254766611936

PEG Ratio

NA

PAT Margin (%)

55.2250332066846

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Jun 2021 60.8 0
Mar 2021 60.8 0
Dec 2020 60.8 0.01
Sep 2020 60.8 0.01
Jun 2020 60.8 0
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 11.5125755200292% in last 3 years.
  • Promoters shareholding is 60.8%.

 Limitations

  • The company is trading at 71.2482568846515 times the book value.
  • PAT margin has shrunk by 30.2851865763534%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Operating Revenue 27.63 25.67 19.73 250.7 22.89
Other Income 10.31 13.96 26.94 17.09 17.93
Interest Expended 0 0 0 0 0
Operating Expenses 33.62 37.57 35.42 35.64 39.09
Total Provisions 0 0 0 0 0
Depreciation 1.13 1.13 1.17 1.25 1.2
Profit Before Tax 3.19 0.93 10.08 230.9 0.53
Tax 2.15 0.29 1.68 62.2 0.16
Net Profit 1.04 0.64 8.4 168.7 0.37

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 153.9 241.9 423.05 779.86 323.73
Other Income 11.1 10.36 25.51 35.3 68.3
Interest 0 0 0 0 0
Operating Expenses 54.96 77.52 111.87 117.21 137.14
Total Provisions 6.04 7.53 10.7 16.07 9.79
Exceptional Items 0 0 0 0 0
Profit Before Tax 104 167.21 325.99 681.88 245.1
Tax 33.98 25.59 18.82 15.02 66.32
Profit After Tax 70.02 141.62 307.17 666.86 178.78
Adjusted EPS (Rs.) 4.4 8.9 19.3 41.9 11.23

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 79.57 79.57 79.57 79.57 79.57
Total Reserves 2686.45 2800.18 3055.49 3455.86 3721.35
Borrowings 0 0 0 0 0
Other N/C liabilities 19 2.01 1.88 0.89 12.47
Current liabilities 29.11 36.61 48.03 55.9 55.14
Total Liabilities 2814.13 2918.37 3184.97 3592.22 3868.53
Assets
Loans 0 0 0 0 0
Net Block 68.06 67.4 67.79 152.88 153.19
Capital WIP 1.19 8.19 33.34 0 2.29
Intangible WIP 0 0 0 0 0
Investments 2489.71 2735.26 2933.81 3200.72 3079.51
Other Loans 32.71 20.28 32.03 26.99 48.78
Other N/C Assets 2.15 2.09 1.42 0.88 0.88
Current Assets 220.31 85.15 116.58 210.75 583.88
Total Assets 2814.13 2918.37 3184.97 3592.22 3868.53
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 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 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 0.03 0
madhur securities pvt ltd... 0.03 0.03 0.03 0.03 0
minal bajaj 0.1 0.1 0.1 0.04 0
neelima bajaj swami 0.18 0.18 0.18 0.03 0
nimisha jaipuria 0.18 0.18 0.18 0.03 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 0.03 0.03 0
rishabnayan bajaj 0 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 0.03 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 0.27 0
late anant bajaj 0.02 0.01 0 0 0
madhur bajaj 0.61 0.61 0.61 0.37 0
niraj bajaj 0.57 0.57 0.57 0.23 0
sanjivnayan bajaj 0.26 0.26 0.26 0.26 0
shekhar bajaj 0.02 0.02 0.14 0.14 0
sunaina kejriwal 0.44 0.44 0.44 0.44 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 0.08 0.08 0
nirvaan family trust (sun... 0.05 0.05 0.08 0.08 0
rajivnayan bajaj 0.04 0.04 0.07 0.07 0
rishab family trust (raji... 0.38 0.38 0.38 0.38 0
siddhant family trust (sa... 0.02 0.02 0.03 0.03 0
vanraj bajaj 0.01 0.01 0.01 0.01 0
pooja bajaj 0 0 0.01 0.01 0
sanjali family trust (san... 0 0 0.03 0.03 0
geetika shekhar bajaj tru... 0 0 0 0.36 0
kriti bajaj family trust ... 0 0 0 0.06 0
neelima bajaj family trus... 0 0 0 0.23 0
neelima bajaj swamy famil... 0 0 0 0.15 0
nimisha bajaj family trus... 0 0 0 0.22 0
nimisha jaipuria family t... 0 0 0 0.15 0
niravnayan bajaj family t... 0 0 0 0.35 0
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Public 24.87 24.67 24.34 24.05 23.65
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 0 0 0
niraj bajaj (trustee- yam... 0 0 1.15 1.15 1.15
PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
FII/DII 14.33 14.54 14.85 15.16 15.55
life insurance corporatio... 0 1.42 1.42 0 1.5
qualified institutional b... 0.45 0.93 1.04 0.93 1.02
lici new endowment plus-b... 1.42 0 0 0 0
axis mutual fund trustee ... 0 0 0 0 0
axis mutual fund trustee ... 1 0 0 0 0
axis equity advantage fun... 0 1.17 0 0 0
europacific growth fund 0 0 0 1.38 1.1
life insurance corporatio... 0 0 0 1.53 0

Ratings & Research Reports

Company Presentations

Company News

Bajaj Finserv offers 33% discount on smartwatches across brands13 Sep 2021, 4:57PM Bajaj Finserv informs about analyst meet13 Sep 2021, 10:44AM Bajaj Finserv offers pre-approved loans facility8 Sep 2021, 12:08PM Bajaj Finserv gets SEBI approval for setting up mutual fund25 Aug 2021, 4:22PM Bajaj Finserv’s EMI Store offers 1 EMI as cashback on purchase of Peps mattress17 Aug 2021, 12:51PM Bajaj Finserv’s EMI Store offering cashback up to Rs 3,000 on wide range of washing machines12 Aug 2021, 2:47PM Bajaj Finserv’s EMI Store offers cashback up to Rs 750 on wide range of treadmills10 Aug 2021, 1:36PM Bajaj Finserv’s EMI Store hosting site-wide sale on bicycles7 Aug 2021, 12:27PM Bajaj Finserv’s EMI Store offering cashback up to Rs 750 on wide range of memory foam mattresses7 Aug 2021, 11:51AM Bajaj Finserv informs about schedule of the analyst meet3 Aug 2021, 5:09PM Bajaj Finserv reports 31% fall in Q1 consolidated net profit22 Jul 2021, 4:18PM Bajaj Finserv gets nod to invest Rs 342 crore in Bajaj Finserv Direct 22 Jul 2021, 11:29AM Bajaj Finserv’s EMI Store unveils cashback offer of up to Rs 3,000 on Sony home theatre systems, sound bars21 Jul 2021, 1:33PM Bajaj Finserv’s EMI Store offers No Cost EMI deals on wide range of Sony TVs19 Jul 2021, 2:30PM Bajaj Finserv’s EMI Store offers cashback vouchers worth Rs 1,000 on latest 5G mobiles29 Jun 2021, 12:41PM Bajaj Finserv’s EMI Store offers No Cost EMI deals on wide range of Mi TVs25 Jun 2021, 2:15PM 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 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 178.78 Cr and the compounded growth of profit in the past 3 years is 8.07645980242309 %. The PAT margin of Bajaj Finserv is 55.2250332066846 %.

  • 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 #if( -73.1908648339061 > 0) then "grew" else "declined";# by -73.1908648339061 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a #if( 4.87381327226754 >= 20) then "healthy" elseif( 4.87381327226754 < 20 and 4.87381327226754 >=10) then "average" else "poor";# ROE track record. The ROE of Bajaj Finserv is at 4.87381327226754 % 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 $$PRICE_Y_1$$. The stock is trading at a current P/E ratio of 860.576281144017 and the average historical P/E for the last 5 years was 569.117645318616.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Bajaj Finserv is trading at a P/B of 71.4902 . The average historical P/B for the last 5 years was 29.8043208180282. 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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