Bajaj Finance

Bajaj Finance Ltd.

NSE: BAJFINANCE BSE: 500034 SECTOR: Finance - NBFC  397k   4k   843

7710.20
-27.10 (-0.35%)
NSE: 22 Oct 03:59 PM

Price Summary

Today's High

₹ 7935

Today's Low

₹ 7665

52 Week High

₹ 8050

52 Week Low

₹ 3236.65

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationExpensive
The stock is at a premium valuation at this point.
EfficiencyExcellent
The company knows very well the utilization of its assets.
FinancialsVery Stable
The company possesses stable growth history and sound margins.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

₹ 465383.31 Cr.

Advances

₹ 113089.94 Cr.

No. of Shares

60.36 Cr.

P/E

118.45

P/B

12.76

Face Value

₹ 2

Div. Yield

0.13 %

Book Value (TTM)

₹  604.36

Operating Revenue

₹ 23549.72 Cr.

Net Profit

₹ 3955.51 Cr.

Promoter Holding

56.03 %

EPS (TTM)

₹  65.09

Sales Growth

-1.15

ROE

11.77 %

ROCE

9.5%

Profit Growth

-18.96 %

Add Your Ratio

* 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.

NIFTYALPHA

ALPHA
31998.25
  -530.799999999999 (-1.63177221591162%)

NIFTYSERVICE

NIFTY SERV SECTOR
25477.9
  -29.5 (-0.115652712546166%)

NIFTY100WEIGHT

NIFTY 100 EQUAL WEIGHT
21067.4
  -213 (-1.00092103531888%)

NIFTYEQWGT

NIFTY50 EQUAL WEIGHT
20119.9
  -161.799999999999 (-0.797763501087179%)

NIFTYFINANCE

NIFTY FINANCE
19302.95
  114.100000000002 (0.594616144271298%)

NIFTY100

NIFTY 100
18285.15
  -88.9499999999971 (-0.484105343935193%)

NIFTY

NIFTY 50
18114.9
  -63.1999999999971 (-0.347671098739677%)

NIFTY500

NIFTY 500
15399.7
  -87.9499999999989 (-0.567871820450483%)

NIFTYLGEMID250

NIFTY LARGE MIDCAP 250
10011.85
  -117.449999999999 (-1.15950756715666%)

NIFTY200

NIFTY 200
9546.3
  -51.4000000000015 (-0.535544974316782%)

NI15

NI15
7814.3
  -98 (-1.23857791034212%)

LIQ15

NIFTY100 LIQ 15
4654.25
  -11.4499999999998 (-0.245407977366741%)

NSEQ30

Nse Quality 30
3973.55
  -34.6499999999996 (-0.864477820468035%)

NFTALQVL30

NIFTY ALPHA QTY Low-VOLAT.30
15038.7
  -190.959999999999 (-1.25386909491084%)

NIFTYGR15

NIFTY GROWTH SECTOR 15
7956.65
  -107.200000000001 (-1.32938980759811%)

NIFTYHIGHBETA

HIGH BETA
2272.04
  -14.1599999999999 (-0.619368384218344%)

NT100ALP30

NIFTY 100 ALPHA 30
12850.06
  -188.060000000001 (-1.44238586544687%)

SENSEX

S&P Bse Sensex
60821.62
  -101.879999999997 (-0.167226111434826%)

BSE500

S&P Bse 500
24495.84
  -143.189999999999 (-0.581151124861645%)

SNSX50

S&P BSE SENSEX50
18978.85
  -71.3400000000001 (-0.374484453960833%)

BSE100

S&P Bse 100
18331.72
  -88.8400000000001 (-0.482287183451535%)

FIN

S&P BSE Finance
8980.3
  42.1099999999988 (0.471124467034145%)

BSE200

S&P Bse 200
7806.36
  -39.1300000000001 (-0.498757885103418%)

LMI250

S&P BSE 250 LargeMidCap
7386.85
  -40.9699999999993 (-0.551575024704409%)

ALLCAP

S&P Bse Allcap
7016.21
  -41.9499999999998 (-0.594347535334983%)

LRGCAP

S&P BSE LargeCap
6949.95
  -28.5200000000004 (-0.408685571479139%)

BSE100LARGECAPTMC

S&P BSE 100 LargeCap TMC
6638.57
  -31.8699999999999 (-0.477779576759552%)

GREENEX

S&P Bse Greenex
4617.64
  -49.4200000000001 (-1.05891074895116%)

CARBONEX

S&P Bse Carbonex
2970.51
  -15.9199999999996 (-0.533077955954087%)

SPBSMOIP

S&P BSE Momentum
1161.77
  -18.3099999999999 (-1.55158972273066%)

S&PDIVSTABLE

S&P BSE Dividend Stability
621.17
  -4.31000000000006 (-0.689070793630497%)

ESG100

S&P BSE 100 ESG Index
301.34
  -1.60000000000002 (-0.528157390902495%)

S&P LARGEMIDCAP

S&P BSE Large MidCap
7339.17
  -36.3099999999995 (-0.492306941378728%)

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 Year-1.15%
3 Year23.01%
5 Year26.42%

Profit Growth

1 Year-18.96%
3 Year16.77%
5 Year25.34%

ROE%

1 Year11.77%
3 Year17.68%
5 Year18.87%

ROCE %

1 Year9.5%
3 Year11.59%
5 Year11.99%

ROA%

2.88118057377559

PEG Ratio

NA

PAT Margin (%)

16.7964205094583

EPS Growth(%)

NA

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2021 56.03 0
Jun 2021 56.03 0
Mar 2021 56.12 0
Dec 2020 56.12 0
Sep 2020 56.12 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 3.66311414878086% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 17.6756086615989%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 23.0075243211543%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • Promoters shareholding is 56.03%.

 Limitations

  • The company is trading at 12.7576342366971 times the book value.
  • Provision and contingencies have increased by 46.7922694751163%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Jun 2020 Sep 2020 Dec 2020 Mar 2021 Jun 2021
Operating Revenue 5900.63 5783.17 5845.41 6006.18 5915.9
Other Income 1.1 6.65 2.26 4.16 1.06
Interest Expended 1984.77 1868.11 1870.24 1723.27 1763.9
Operating Expenses 2656.01 2669.06 2482.41 2630.56 2921.16
Total Provisions 0 0 0 0 0
Depreciation 76.98 67.11 73.25 84.91 82.43
Profit Before Tax 1183.97 1185.54 1421.77 1571.6 1149.47
Tax 314.47 308.96 373.19 410.75 306.55
Net Profit 869.5 876.58 1048.58 1160.85 842.92

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

PARTICULARS Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Operating Income 9963.02 12652.84 17386.02 23822.53 23549.72
Other Income 25.95 12.28 13.25 11.62 14.17
Interest 3852.63 4648.98 6037.3 7990.48 7550.09
Operating Expenses 2463.58 2949.91 3641.58 4921.19 4632.7
Total Provisions 855.24 1235.01 1685.09 4114.35 6018.22
Exceptional Items 0 0 0 0 0
Profit Before Tax 2817.52 3831.22 6035.3 6808.13 5362.88
Tax 980.97 1346.71 2144.96 1927.01 1407.37
Profit After Tax 1836.55 2484.51 3890.34 4881.12 3955.51
Adjusted EPS (Rs.) 33.58 43.2 67.44 81.36 65.75

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021
Equity and Liabilities
Share Capital 109.37 115.03 115.37 119.99 120.32
Total Reserves 9490.94 15702.18 19448.26 31693.22 35818.42
Borrowings 33115.96 55973.17 77029.4 98771.6 93452.45
Other N/C liabilities 3150.4 -605.44 -434.45 -543.99 -380.1
Current liabilities 21032.91 9667.51 11680.46 7115.14 8408.59
Total Liabilities 66899.58 80852.45 107839.04 137155.96 137419.68
Assets
Loans 32028.1 75532.88 95181.26 113417.08 113089.94
Net Block 361.13 464.66 654.33 1228.14 1227.2
Capital WIP 0 0 0 0 7.07
Intangible WIP 0 0 0 0 43.99
Investments 1090.3 2553.43 5060.63 8076.41 8107.56
Other Loans 2008.84 86.99 184.72 276.68 256.05
Other N/C Assets 0 31.59 19.64 27.27 33.12
Current Assets 31411.21 2182.9 6738.46 14130.38 14654.75
Total Assets 66899.58 80852.45 107839.04 137155.96 137419.68
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Promoters 56.12 56.12 56.12 56.03 56.03
bajaj finserv limi... 52.74 - - - 52.65
bajaj finserv ltd - 52.74 52.74 52.65 -
maharashtra scoote... 3.15 3.15 3.15 3.14 3.14
sanjivnayan bajaj - 0.08 0.08 0.08 0.08
shri sanjivnayan b... 0.08 - - - -
bajaj allianz life... - - - - 0.04
bajaj allianz life... - 0.03 0.03 0.03 -
madhur bajaj 0.03 0.03 0.01 0.01 0.01
rajivnayan bajaj - - - - -
bajaj allianz life... 0.03 - - - -
bajaj allianz life... - - - - -
baroda industries ... - 0.02 0.02 0.02 0.02
jamnalal sons priv... 0.02 0.02 0.02 0.02 0.02
jamnalal sons priv... - - - - -
baroda industries ... 0.02 - - - -
neelima bajaj fami... - - 0.01 0.01 0.01
nimisha bajaj fami... - - 0.01 0.01 0.01
sanjali bajaj 0.01 0.01 0.01 0.01 0.01
shefali bajaj 0.01 0.01 0.01 0.01 0.01
siddhantnayan bajaj 0.01 0.01 0.01 0.01 0.01
bachharaj factorie... - - - - 0.01
bachhraj factories... 0.01 0.01 0.01 0.01 -
PARTICULARS Sep 2020% Dec 2020% Mar 2021% Jun 2021% Sep 2021%
Investors 43.88 43.88 43.88 43.97 43.97
government of sing... - - - - -
government of sing... 4.26 4.38 4.29 4.17 3.40
axis mutual funds 2.57 2.48 2.55 2.50 -
axis mutual fund t... - - - - 2.52
sbi mutual funds 1.89 1.58 1.56 1.60 -
qualified institut... 1.82 1.33 1.32 1.32 -
sbi mutual fund - - - - 1.68
life insurance cor... 1.32 - - - -
qualified institut... - - - - -
iepf 0.06 0.07 0.06 0.06 0.06

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Bajaj Finance informs about conference call22 Oct 2021, 4:45PM Bajaj Finance informs about press release20 Oct 2021, 11:53AM Bajaj Finance offers professional loan for medical professionals19 Oct 2021, 11:02AM Bajaj Finance’s deposit book stands at Rs 28,700 crore in Q2FY227 Oct 2021, 11:40AM Bajaj Finance invests Rs 195.54 crore in Bajaj Finserv Direct17 Sep 2021, 3:54PM Bajaj Finance informs about analyst meet17 Sep 2021, 9:44AM Bajaj Finance informs about analyst meet13 Sep 2021, 5:32PM Bajaj Finance cautions customers against fraudsters offering mandatory insurance policies for availing loan31 Aug 2021, 12:47PM Bajaj Finance reports 4% rise in Q1 consolidated net profit21 Jul 2021, 10:17AM Bajaj Finance’s arm offering Amazon gift vouchers 20 Jul 2021, 12:43PM Bajaj Finance’s deposit book stands at Rs 28,000 crore in Q1FY226 Jul 2021, 3:42PM Bajaj Finance’s arm offering customers home loan loaded with features6 Jul 2021, 1:10PM Bajaj Finance informs about allotment of secured redeemable NCDs 17 Jun 2021, 11:19AM Bajaj Finance informs about updates5 May 2021, 3:33PM Bajaj Finance reports 42% rise in Q4 consolidated net profit28 Apr 2021, 9:37AM Bajaj Finance informs about conference call22 Apr 2021, 3:50PM Bajaj Finance raises Rs 116 crore through NCDs20 Apr 2021, 11:45AM Bajaj Finance informs about payment of annual interest on NCDs8 Apr 2021, 10:08AM Bajaj Finance adds 100 plus health plans under pocket insurance & subscriptions category7 Apr 2021, 1:11PM Bajaj Finance’s consolidated deposit book rises by 20% in March6 Apr 2021, 11:06AM Bajaj Finance submits compliance certificate6 Apr 2021, 9:55AM Bajaj Finance informs about newspaper publication22 Mar 2021, 1:15PM Bajaj Finance informs about record date of CP19 Mar 2021, 10:29AM Bajaj Finance informs about disclosure17 Mar 2021, 5:11PM Bajaj Finance raises Rs 30 crore via NCDs13 Mar 2021, 9:27AM Bajaj Finance informs about annual interest payment2 Mar 2021, 11:12AM Bajaj Finance informs about interest payment of NCDs27 Feb 2021, 10:46AM Bajaj Finance’s arm revises approval time for home loans16 Feb 2021, 4:57PM Bajaj Finance increases FD interest rates 3 Feb 2021, 12:36PM Bajaj Finance reports 29% fall in Q3 consolidated net profit21 Jan 2021, 10:39AM Bajaj Finance informs about outcome of board meeting 20 Jan 2021, 4:56PM Bajaj Finance raises Rs 222 crore through NCDs15 Jan 2021, 10:47AM Bajaj Finance informs about conference call14 Jan 2021, 3:23PM RBI imposes Rs 2.5 crore penalty on Bajaj Finance 6 Jan 2021, 11:26AM Bajaj Finance’s consolidated deposit book rises by 18% in December5 Jan 2021, 10:57AM Bajaj Finance, Vodafone Idea enter into strategic partnership for financing offers17 Dec 2020, 11:29AM Bajaj Finance informs about redemption of CP8 Dec 2020, 3:07PM Bajaj Finance raises Rs 755 crore via bonds 4 Dec 2020, 9:42AM Bajaj Finance’s arm reduces home loan acquisition rates for new customers23 Nov 2020, 12:27PM Bajaj Finance informs about disclosure18 Nov 2020, 4:38PM Bajaj Finance reports 36% fall in Q2 consolidated net profit21 Oct 2020, 4:11PM Bajaj Finance, IDFC First, Vivo enter into partnership 14 Oct 2020, 11:29AM Bajaj Finance’s consolidated deposit book rises by 22.5% in September7 Oct 2020, 9:44AM Bajaj Finance informs about board meeting22 Sep 2020, 3:28PM Bajaj Finance informs about interest payment 19 Sep 2020, 2:31PM Bajaj Finance planning to waive EMI bounce charges for auto loan customers in Maharashtra11 Sep 2020, 11:55AM Bajaj Finance raises Rs 400 crore through NCDs11 Sep 2020, 10:34AM Bajaj Finance raises Rs 135 crore through NCDs28 Aug 2020, 10:21AM Bajaj Finance reports 19% fall in Q1 consolidated net profit23 Jul 2020, 2:18PM Bajaj Finance informs about proceedings of 33rd AGM22 Jul 2020, 4:03PM

Bajaj Finance Stock Price Analysis and Quick Research Report. Is Bajaj Finance 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 Finance 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 3955.51 Cr and the compounded growth of profit in the past 3 years is 16.7669418320029 %. The PAT margin of Bajaj Finance is 16.7964205094583 %.

  • 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 Finance , the EPS #if( -19.1853862151359 > 0) then "grew" else "declined";# by -19.1853862151359 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a #if( 11.7661301993158 >= 20) then "healthy" elseif( 11.7661301993158 < 20 and 11.7661301993158 >=10) then "average" else "poor";# ROE track record. The ROE of Bajaj Finance is at 11.7661301993158 % 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 Finance is worth at the current levels at Rs $$PRICE_Y_1$$. The stock is trading at a current P/E ratio of 78.3105043665532 and the average historical P/E for the last 5 years was 45.2657650205213.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Bajaj Finance is trading at a P/B of 12.802 . The average historical P/B for the last 5 years was 7.00773505520105. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

Brief about Bajaj Finance

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