Bajaj Finserv

Bajaj Finserv Ltd.

NSE: BAJAJFINSV BSE: 532978 SECTOR: Finance - Investment  192k   2k   456

1245.30
+22.10 (1.81%)
NSE: 29 Mar 4:00 PM

Price Summary

Today's High

₹ 1251.4

Today's Low

₹ 1225.55

52 Week High

₹ 1846

52 Week Low

₹ 1072.72

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.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 198353.31 Cr.

Advances

₹ 0 Cr.

No. of Shares

159.28 Cr.

P/E

268.07

P/B

38.22

Face Value

₹ 1

Div. Yield

0.01 %

Book Value (TTM)

₹  32.58

Operating Revenue

₹ 623.83 Cr.

Net Profit

₹ 424.23 Cr.

Promoter Holding

60.75 %

EPS (TTM)

₹  4.65

Sales Growth

92.7

ROE

10.81 %

ROCE

13.79%

Profit Growth

137.29 %

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* 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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Index Presence

The company is present in 33 Indices.

LIQ15

Nifty100 Liquid 15
4251.5
  44.6999999999998 (1.06256537035276%)

NIFTY

Nifty 50
17080.7
  129 (0.760985623860733%)

NIFTY100

Nifty 100
16918.05
  122.700000000001 (0.730559351249016%)

NIFTY100ESG

NIFTY100 ESG
3159.25
  26 (0.829809303438922%)

NIFTY100WEIGHT

Nifty100 Equal Weight
19018.9
  179.950000000001 (0.955201855729748%)

NIFTY200

Nifty 200
8875.6
  73.5500000000011 (0.835600797541503%)

NIFTY500

Nifty 500
14345.6
  133.800000000001 (0.941471171843133%)

NIFTY500VAL50

NIFTY500 Value 50
6847.87
  113.36 (1.68327020080155%)

NIFTYFINANCE

Nifty Financial Services
17793.85
  129.399999999998 (0.732544743821628%)

NIFTYHIGHBETA

Nifty High Beta 50
2030.91
  44.53 (2.2417664293841%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
9500.9
  113.4 (1.20798934753661%)

NIFTYEQWGT

NIFTY50 Equal Weight
19408.35
  232.049999999999 (1.21008745169819%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank Index
15515.36
  187.76 (1.22497977504632%)

NIFTYSERVICE

Nifty Services Sector
22672.4
  152.450000000001 (0.67695532183687%)

NIFTYTOTALMCAP

Nifty Total Market index
7984.8
  76.6999999999998 (0.969891630100772%)

NT100ALP30

NIFTY100 Alpha 30
10063.04
  115.17 (1.15773527398328%)

NTYFIN2550

Nifty Financial Services 25/50
17054
  149.099999999999 (0.881992794988418%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
9335.95
  111.550000000001 (1.20929274532762%)

SENSEX

S&P Bse Sensex
57960.09
  346.369999999995 (0.601193604578909%)

BSE100

S&P Bse 100
17320.33
  140.790000000001 (0.81952136087462%)

BSE200

S&P Bse 200
7279.41
  63.0299999999997 (0.873429614294152%)

BSE500

S&P Bse 500
22822.89
  214.5 (0.948762826543592%)

GREENEX

S&P Bse Greenex
4291.4
  50.4099999999999 (1.18863755868324%)

CARBONEX

S&P Bse Carbonex
2825.38
  23.8900000000003 (0.852760495307869%)

FIN

S&P Bse Finance
8303.84
  77.25 (0.939028200019698%)

S&P LARGEMIDCAP

S&P Bse Large MidCap
6841.84
  60.3800000000001 (0.890368740654668%)

LRGCAP

S&P Bse LargeCap
6480.35
  47.6400000000003 (0.740589891352172%)

ALLCAP

S&P Bse Allcap
6549.12
  64.6599999999999 (0.997153193943667%)

SPBSMOIP

S&P Bse Momentum
1076.32
  24.6299999999999 (2.34194486968593%)

SNSX50

S&P Bse Sensex50
17957.44
  135.66 (0.761203426369317%)

LMI250

S&P Bse 250 LargeMidCap
6882.97
  61.0100000000002 (0.8943177620508%)

BSE100LARGECAPTMC

S&P Bse 100 LargeCap TMC
6153.54
  44.8999999999996 (0.735024489902814%)

DFRGRI

S&P Bse Diversified Finl. Rev.
970.65
  12.7099999999999 (1.32680543666617%)

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.

PE Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

PB Chart 1w 1m 3m 6m 1Yr 3Yr 5Yr

* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

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

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year92.7%
3 Year13.82%
5 Year32.3%

Profit Growth

1 Year137.29%
3 Year11.36%
5 Year43.38%

ROE%

1 Year10.81%
3 Year11.96%
5 Year10.22%

ROCE %

1 Year13.79%
3 Year13.64%
5 Year11.54%

ROA%

10.2138570714883

PEG Ratio

1.95

PAT Margin (%)

68.0041036820929

EPS Growth(%)

137.29270702593

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2022 60.75 0.01
Sep 2022 60.75 0.01
Jun 2022 60.8 0.01
Mar 2022 60.77 0.01
Dec 2021 60.8 0.01
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 12.7790704754083%.
  • Company has maintained a good ROA of 11.5619824796446% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 13.8214961565929%.
  • Promoters shareholding is 60.75%.

 Limitations

  • The company is trading at 38.2229534160633 times the book value.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
Operating Revenue 222.03 29.83 341.24 671.33 32.84
Other Income 49.6 19.32 15.6 18.09 17
Interest Expended 0 0 0 0 0
Operating Expenses 45.35 27.93 43.9 46.1 42.91
Total Provisions 0 0 0 0 0
Depreciation 1.07 0.71 0.78 0.79 0.8
Profit Before Tax 225.21 20.51 312.16 642.53 6.13
Tax 56.71 3.64 79.11 157.45 1.2
Net Profit 168.5 16.87 233.05 485.08 4.93

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 241.9 423.05 779.86 323.73 623.83
Other Income 10.36 25.51 35.3 68.3 105.17
Interest 0 0 0 0 0
Operating Expenses 77.52 111.87 117.21 137.14 155.71
Total Provisions 7.53 10.7 16.07 9.79 10.07
Exceptional Items 0 0 0 0 0
Profit Before Tax 167.21 325.99 681.88 245.1 563.22
Tax 25.59 18.82 15.02 66.32 138.99
Profit After Tax 141.62 307.17 666.86 178.78 424.23
Adjusted EPS (Rs.) 0.89 1.93 4.19 1.12 2.67

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 79.57 79.57 79.57 79.57 79.57
Total Reserves 2800.18 3055.49 3455.86 3721.35 4288.63
Borrowings 0 0 0 0 0
Other N/C liabilities 2.01 1.88 0.89 12.47 8.78
Current liabilities 36.61 48.03 55.9 55.14 61.44
Total Liabilities 2918.37 3184.97 3592.22 3868.53 4438.42
Assets
Loans 0 0 0 0 0
Net Block 67.4 67.79 152.88 153.19 105.06
Capital WIP 8.19 33.34 0 2.29 4.08
Intangible WIP 0 0 0 0 0
Investments 2729.5 2928.18 3195.22 3074.14 4074.76
Other Loans 20.28 32.03 26.99 48.78 53.19
Other N/C Assets 7.85 7.05 6.38 6.25 6.04
Current Assets 85.15 116.58 210.75 583.88 195.29
Total Assets 2918.37 3184.97 3592.22 3868.53 4438.42
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Promoters 60.80 60.77 60.80 60.75 60.75
bajaj holdings and... 39.16 39.16 39.16 39.12 39.12
jamnalal sons priv... 9.64 9.64 9.66 9.65 9.69
bachhraj and compa... 1.27 1.27 2.54 1.27 1.27
maharashtra scoote... 2.34 2.34 2.34 2.34 2.34
bajaj sevashram pr... 1.50 1.50 1.50 1.50 1.53
bachhraj factories... 0.68 0.68 1.36 0.68 0.68
rahulkumar bajaj 0.03 - - - -
niravnayan bajaj f... 0.70 0.35 0.35 0.35 0.35
madhur bajaj 0.37 0.03 0.06 0.03 0.03
kiran bajaj 0.27 0.27 0.50 0.25 0.25
niraj bajaj 0.23 0.23 0.23 0.23 0.23
baroda industries ... 0.58 0.58 0.58 0.58 0.58
kumud bajaj 0.03 0.03 0.06 0.03 0.03
sunaina kejriwal 0.44 0.44 0.44 0.44 0.44
rishab family trus... 0.38 0.38 0.38 0.38 0.31
suman jain 0.36 0.36 0.36 0.36 0.36
geetika shekhar ba... 0.36 0.36 0.36 0.35 0.35
geetika bajaj 0.16 0.16 0.32 0.16 0.16
niravnayan trust (... 0.27 0.27 0.27 0.27 0.27
sanjivnayan bajaj 0.26 0.23 0.23 0.23 0.23
neelima bajaj fami... 0.23 0.23 0.23 0.23 0.23
nimisha bajaj fami... 0.22 0.22 0.22 0.22 0.22
neelima bajaj swami - - - - -
nimisha jaipuria 0.03 0.03 0.03 0.03 0.03
rupa equities pvt ... 0.09 0.09 0.18 0.09 0.09
geetika trust no 2... - - - - -
neelima bajaj swam... 0.15 0.15 0.15 0.15 0.15
nimisha jaipuria f... 0.15 0.15 0.15 0.15 0.15
shekhar bajaj 0.14 0.14 0.12 0.12 0.12
niravnayan bajaj 0.13 0.13 0.13 0.13 0.13
bajaj auto holding... 0.13 0.13 0.13 0.13 0.13
minal bajaj 0.04 0.04 0.04 0.04 0.04
kriti bajaj 0.05 0.05 0.10 0.05 0.05
kumud neelima fami... - 0.09 0.09 0.09 0.09
kumud nimisha fami... - 0.09 0.09 0.09 0.09
madhur neelima fam... - 0.09 0.09 0.09 0.09
madhur nimisha fam... - 0.09 0.09 0.09 0.09
rahul securities p... 0.09 0.09 0.09 0.09 0.09
nirvaan family tru... 0.08 0.08 0.08 0.07 0.07
aryaman family tru... 0.08 0.08 0.08 0.07 0.07
rajivnayan bajaj 0.07 0.07 0.07 0.07 0.07
hercules hoists li... 0.06 0.06 0.06 0.06 0.06
kriti bajaj family... 0.06 0.06 0.06 0.06 0.06
sanjali bajaj 0.03 0.03 0.05 0.05 0.05
siddhantnayan bajaj 0.03 0.03 0.05 0.05 0.05
kamalnayan investm... 0.04 0.04 0.04 0.04 0.04
shekhar holdings p... 0.02 0.02 0.04 0.02 0.02
deepa bajaj 0.02 0.02 0.04 0.02 0.02
madhur securities ... 0.03 0.03 0.03 0.03 0.03
siddhant family tr... 0.03 0.03 0.03 0.03 0.03
shefali bajaj 0.03 0.03 0.03 0.03 0.03
sanjali family tru... 0.03 0.03 0.03 0.03 0.03
neelima bajaj swamy 0.03 0.03 0.03 0.03 0.03
estate of rahulkum... - 0.03 0.03 0.03 0.03
pooja bajaj 0.01 0.01 0.03 0.03 0.03
kriti trust (niraj... - - - - -
sheetal bajaj 0.02 0.02 0.02 0.02 0.02
vanraj bajaj 0.01 0.01 0.02 0.02 0.02
the hindustan hous... 0.01 0.01 0.02 0.01 0.01
niraj holdings pvt... 0.01 0.01 0.01 0.01 0.01
PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Investors 39.20 39.23 39.20 39.25 39.25
jaya hind industri... - - - - -
jaya hind industri... 3.85 3.85 3.85 3.85 3.85
life insurance cor... - - - - -
life insurance cor... - - - 1.62 1.24
lici new endowment... - - 1.62 - -
lici asm non par - 1.56 - - -
lici ulip-growth f... 1.53 1.56 - - -
life insurance cor... - - - - -
europacific growth... 1.46 1.34 - - -
axis mutual fund t... - - 1.37 - -
axis mutual fund t... - 1.33 - - -
axis mutual fund t... - - - 1.28 -
sbi nifty index fu... - - - 1.15 1.25
axis mutual fund t... - - - - 1.22
axis nifty etf 1.18 - - - -
niraj bajaj - 1.15 1.15 1.15 1.15
niraj bajaj (trust... 1.15 - - - -
sbi arbitrage oppo... - 1.05 1.13 - -
qualified institut... - - 0.99 - -
iepf 0.06 0.06 0.06 - -
investor education... - - - 0.06 0.06

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Bajaj Finserv offers gold loans at interest rates starting from 0.83% per month9 Mar 2023, 4:44PM Bajaj Finserv’s arm reports individual non-single premium of Rs 451.39 crore in February8 Mar 2023, 10:29AM Bajaj Finserv’s arm reports gross direct premium underwritten of Rs 935 crore in February6 Mar 2023, 11:59AM Bajaj Finserv gets SEBI license to commence mutual fund business2 Mar 2023, 10:08AM Bajaj Finserv partners with TransUnion CIBIL to launch Credit Pass20 Feb 2023, 2:40PM Bajaj Finserv’s arm reports individual non-single premium of Rs 408.81 crore in January 7 Feb 2023, 12:40PM Bajaj Finserv reports 42% rise in Q3 consolidated net profit30 Jan 2023, 3:19PM Bajaj Finserv - Quaterly Results30 Jan 2023, 1:00PM Bajaj Finserv - Quaterly Results30 Jan 2023, 1:00PM Bajaj Finserv - Quaterly Results30 Jan 2023, 1:00PM Bajaj Finserv’s arm reports 8% rise in gross direct premium underwritten during December 2022 6 Jan 2023, 11:42AM Bajaj Finserv’s arm reports 34% growth in disbursement during November29 Dec 2022, 3:39PM Bajaj Finserv’s arm reports individual non-single premium of Rs 368 crore in November8 Dec 2022, 11:41AM Bajaj Finserv’s arm reports gross direct premium underwritten of Rs 1,338.10 crore in November7 Dec 2022, 4:10PM Bajaj Finserv reports 39% rise in Q2 consolidated net profit25 Oct 2022, 4:24PM Bajaj Finserv - Quaterly Results21 Oct 2022, 1:18PM Bajaj Finserv - Quaterly Results21 Oct 2022, 1:18PM Bajaj Finserv - Quaterly Results21 Oct 2022, 1:18PM Bajaj Finserv informs about analyst meet18 Oct 2022, 4:32PM Bajaj Finserv’s arm reports gross direct premium underwritten of Rs 1214.32 crore in September10 Oct 2022, 3:51PM Bajaj Finserv’s arm reports individual single premium of Rs 46.45 crore in August6 Sep 2022, 4:45PM Bajaj Finserv’s arm reports gross direct premium underwritten of Rs 1021.40 crore in August6 Sep 2022, 2:37PM Bajaj Finserv reports 57% rise in Q1 consolidated net profit28 Jul 2022, 2:58PM Bajaj Finserv board recommends bonus issue28 Jul 2022, 2:50PM Bajaj Finserv - Quaterly Results28 Jul 2022, 11:54AM Bajaj Finserv - Quaterly Results28 Jul 2022, 11:54AM Bajaj Finserv - Quaterly Results28 Jul 2022, 11:54AM Bajaj Finserv informs about board meeting26 Jul 2022, 10:44AM Bajaj Finserv’s arm enters into strategic partnership with DBS Bank India20 Jul 2022, 12:00PM Bajaj Finserv’s arm enters into strategic partnership with City Union Bank 12 Jul 2022, 4:13PM Bajaj Finserv’s arm inks agreement with Perfios for financial investment29 Jun 2022, 12:46PM Bajaj Finserv’s arm launches Global Health Care product29 Jun 2022, 11:31AM Bajaj Finserv’s arm declares bonus worth Rs 1,070 crore in FY2220 May 2022, 3:26PM Bajaj Finserv informs about annual secretarial compliance report7 May 2022, 3:48PM Bajaj Finserv reports 37% rise in Q4 consolidated net profit28 Apr 2022, 2:57PM Bajaj Finserv - Quaterly Results28 Apr 2022, 1:48PM Bajaj Finserv - Quaterly Results28 Apr 2022, 1:48PM Bajaj Finserv - Quaterly Results28 Apr 2022, 1:48PM Bajaj Finserv offering pre-approved loans to existing customers up to Rs 10 lakh26 Apr 2022, 4:54PM Bajaj Finserv informs about compliance certificate13 Apr 2022, 12:15PM Bajaj Finserv’s Pocket Insurance and Subscriptions crosses one-million milestone22 Jan 2022, 11:06AM Bajaj Finserv reports marginal fall in Q3 consolidated net profit20 Jan 2022, 5:21PM Bajaj Finserv - Quaterly Results20 Jan 2022, 1:22PM Bajaj Finserv’s arm reports gross direct premium underwritten to Rs 1,123.59 crore in December6 Jan 2022, 5:35PM Bajaj Finserv’s arm launches new product in health insurance 20 Dec 2021, 10:34AM Bajaj Finserv’s arm offering insurance cover for drones26 Nov 2021, 11:26AM Bajaj Finserv informs about analyst meet15 Nov 2021, 3:42PM Bajaj Finserv’s arm enters into tripartite partnership with IPPB, DoP11 Nov 2021, 4:47PM Bajaj Finserv reports 14% rise in Q2 consolidated net profit28 Oct 2021, 4:40PM Bajaj Finserv informs about press release20 Oct 2021, 11:48AM

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 424.23 Cr and the compounded growth of profit in the past 3 years is 11.362864223261 %. The PAT margin of Bajaj Finserv is 68.0041036820929 %.

  • 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 137.297489763219 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Bajaj Finserv is at 10.8122918041895 % 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 1246.05. The stock is trading at a current P/E ratio of 63.9670714277676 and the average historical P/E for the last 5 years was 511.239165169165.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Bajaj Finserv is trading at a P/B of 38.269 . The average historical P/B for the last 5 years was 38.4447382599483. 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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