Bajaj Finance
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Bajaj Finance share price

Bajaj Finance Ltd.

NSE: BAJFINANCE BSE: 500034 SECTOR: Finance - NBFC  838k   7k   1k

6482.00
-119.80 (-1.81%)
BSE: Today, 02:16 PM

Price Summary

Today's High

₹ 6605.05

Today's Low

₹ 6455

52 Week High

₹ 7829.95

52 Week Low

₹ 6190

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationFair
The stock’s market price justifies its intrinsic value.
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

₹ 401864.27 Cr.

Advances

₹ 243334.43 Cr.

No. of Shares

62 Cr.

P/E

25.77

P/B

5.07

Face Value

₹ 2

Div. Yield

0.55 %

Book Value (TTM)

₹  1277.64

Operating Revenue

₹ 46938.8 Cr.

Net Profit

₹ 12644.11 Cr.

Promoter Holding

54.7 %

EPS (TTM)

₹  251.54

Sales Growth

31.54

ROE

20.74 %

ROCE

12.29%

Profit Growth

22.88 %

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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 34 Indices.

NIFTYSERVICE

Nifty Services Sector
30958.65
  -178.949999999997 (-0.574707106520722%)

NIFTY100WEIGHT

Nifty100 Equal Weight
30732.95
  -534.149999999998 (-1.70834519351011%)

NIFTYEQWGT

NIFTY50 Equal Weight
29080.7
  -384.75 (-1.30576658425376%)

NTYFIN2550

Nifty Financial Services 25/50
25046.65
  -195.649999999998 (-0.775087848571632%)

NIFTY100

Nifty 100
24130.9
  -243.799999999999 (-1.0002174385736%)

NIFTY

Nifty 50
23337.4
  -181.099999999999 (-0.770032102387475%)

NIFTYFINANCE

Nifty Financial Services
23295.65
  -107.399999999998 (-0.45891454318987%)

NIFTY500

Nifty 500
21821.15
  -183.199999999997 (-0.832562652384627%)

NY500MUL50:25:25

Nifty500 Multicap 50:25:25
15271.75
  -111.4 (-0.724168977095063%)

NIFTYLGEMID250

NIFTY LargeMidcap 250
15241.45
  -99.25 (-0.646971780948713%)

NIFTY200

Nifty 200
13129.6
  -115.199999999999 (-0.869775308045417%)

NIFTYTOTALMCAP

NIFTY Total Market
12302.75
  -103.299999999999 (-0.832658259478236%)

LIQ15

Nifty100 Liquid 15
6095.2
  -108.900000000001 (-1.75529085604682%)

NIFTY100ESG

NIFTY100 ESG
4623.2
  -45.25 (-0.969272456596948%)

NFTFINSEREXBNK

Nifty Financial Services Ex-Bank
24992.45
  12.7000000000007 (0.0508411813568976%)

NFT500EQUAL

Nifty 500 Equal Weight
13723.64
  100.23 (0.735718883891767%)

NFTRURAL

Nifty Rural Index
14100.56
  5.35999999999876 (0.0380271298030532%)

SENSEX

Bse Sensex
77120.76
  -457.62000000001 (-0.589880840512536%)

BSE500

Bse 500
34377.41
  -273.419999999998 (-0.789072007798941%)

SS6535

BSE Sensex Sixty 65:35
32096.14
  -297.600000000002 (-0.918696019663068%)

SNSX60

BSE Sensex Sixty
31704.01
  -247.990000000002 (-0.776132949424146%)

BSE100

Bse 100
24662.91
  -189.299999999999 (-0.761702882761728%)

SNSX50

Bse Sensex 50
24560.86
  -182.18 (-0.736287861152063%)

200EQW

BSE 200 Equal Weight
12312.22
  -137.34 (-1.10317151770826%)

FINSER

BSE Financial Services
11200.2
  -53.2999999999993 (-0.473630426089655%)

BSE200

Bse 200
10726.33
  -89.2900000000009 (-0.825565247299742%)

LMI250

Bse 250 LargeMidCap Index
10174.21
  -82.6000000000004 (-0.805318612707073%)

LRGCAP

Bse LargeCap
9052.71
  -87.2800000000007 (-0.954924458341866%)

BSE100LARGECAPTMC

Bse 100 LargeCap TMC Index
8697.31
  -83.5300000000007 (-0.951275732162304%)

DFRGRI

BSE Diversified Financials Revenue Growth Index
1398.59
  -5.43000000000006 (-0.386746627540924%)

S&PDIVSTABLE

Bse Dividend Stability Index
984.24
  -10.63 (-1.06848130911577%)

ALLCAP

Bse Allcap
10471.31
  71.0699999999997 (0.683349615008888%)

S&P LARGEMIDCAP

Bse LargeMidCap
10145.52
  39.9300000000003 (0.395127845083754%)

CARBONEX

Bse Carbonex
4344.48
  15.7799999999997 (0.364543627417002%)

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

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* 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 Year31.54%
3 Year25.85%
5 Year21.97%

Profit Growth

1 Year22.88%
3 Year47.31%
5 Year26.58%

ROE%

1 Year20.74%
3 Year19.8%
5 Year18.06%

ROCE %

1 Year12.29%
3 Year11.81%
5 Year11.43%

ROA%

4.9459

PEG Ratio

1.28

PAT Margin (%)

26.9374

EPS Growth(%)

20.1865

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Sep 2024 54.70 0.00
Jun 2024 54.70 0.00
Mar 2024 54.69 0.00
Dec 2023 54.78 0.00
Sep 2023 55.87 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Company has maintained a good ROA of 4.83152335193994% in last 3 years.
  • Company has a healthy Return on Equity (ROE) track record of 19.7984597006022%.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 25.8484139083421%.
  • The company has delivered substantial profit growth of 47.3087664791641% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 29.1000854378817%.
  • Promoters shareholding is 54.7%.

 Limitations

  • Provision and contingencies have increased by 47.8305443582021%.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
Operating Revenue 11410.28 12100.23 12760.49 13723.11 14487.43
Other Income 0.74 3.39 3.94 2.63 4.36
Interest Expended 3351.26 3618.32 3860.8 4201.59 4544.31
Operating Expenses 3723.74 4032.09 4158.48 4735.94 5105.21
Total Provisions 0 0 0 0 2544.11
Depreciation 145.21 161.91 178.69 185.77 195.66
Profit Before Tax 4190.81 4291.3 4566.46 4602.44 2102.5
Tax 1085.06 1113.91 1164.55 1200.9 1577.01
Net Profit 3105.75 3177.39 3401.91 3401.54 5613.71
Adjusted EPS (RS) 51.31 51.44 55.05 55 90.74

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

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 23822.53 23549.72 27872.31 35684.44 46938.8
Other Income 11.62 14.17 6.81 5.37 7.18
Interest 7990.48 7550.09 7677.54 9423.86 14002.67
Operating Expenses 4921.19 4632.7 6717.82 9100.18 11028.15
Total Provisions 4114.35 6018.22 4897.37 3284.26 4862.08
Exceptional Items 0 0 0 0 0
Profit Before Tax 6808.13 5362.88 8586.39 13881.51 17053.08
Tax 1927.01 1407.37 2235.9 3591.77 4408.97
Profit After Tax 4881.12 3955.51 6350.49 10289.74 12644.11
Adjusted EPS (Rs.) 81.36 65.75 105.26 170.23 204.6

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 119.99 120.32 120.66 120.89 123.6
Total Reserves 31693.22 35818.42 41935.22 51372.24 71886.93
Borrowings 98771.6 93452.45 113573.95 141259.19 183453.51
Other N/C liabilities -543.99 -426.72 -485.63 -364.38 -289.29
Current liabilities 7115.14 8399.87 11963.98 23217.81 40512.99
Total Liabilities 137155.96 137364.34 167108.18 215605.75 295687.74
Assets
Loans 113417.08 113089.94 144276.25 179097.12 243334.43
Net Block 1228.14 1227.2 1598.44 2146.91 3059.93
Capital WIP 0 7.07 13.27 14.6 25.35
Intangible WIP 0 43.99 19.41 64.93 17.24
Investments 8076.41 8107.56 9390.74 12758.99 14345.84
Other Loans 276.68 256.27 324.31 292.48 392.51
Other N/C Assets 27.27 0 0 0 0
Current Assets 14130.38 14632.31 11485.76 21230.72 34512.44
Total Assets 137155.96 137364.34 167108.18 215605.75 295687.74
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
promoters 55.87 54.78 54.69 54.70 54.70
bachhraj factories privat... 0.01 0.01 0.01 0.01 0.01
bajaj allianz general ins... - - - 0.01 0.01
bajaj allianz life insura... 0.04 0.04 0.04 0.04 0.04
bajaj finserv limited 52.45 51.42 51.34 51.34 51.34
bajaj sevashram private l... 0.05 0.05 0.05 0.05 0.05
baroda industries private... 0.02 0.02 0.02 0.02 0.02
jamnalal sons private lim... 0.02 0.02 0.02 0.02 0.02
maharashtra scooters limi... 3.13 3.07 3.07 3.07 3.07
neelima bajaj family trus... 0.01 0.01 0.01 0.01 0.01
nimisha bajaj family trus... 0.01 0.01 0.01 0.01 0.01
sanjali bajaj 0.01 0.01 0.01 0.01 0.01
sanjivnayan bajaj 0.08 0.08 0.08 0.08 0.08
shefali bajaj 0.01 0.01 0.01 0.01 0.01
siddhantnayan bajaj 0.01 0.01 0.01 0.01 0.01
PARTICULARS Sep 2023% Dec 2023% Mar 2024% Jun 2024% Sep 2024%
investors 44.13 45.22 45.31 45.30 45.30
axis mutual fund 2.23 2.00 1.64 1.40 1.32
government of singapore - 3.36 3.41 3.31 3.08
investor education and pr... - 0.05 0.05 - 0.05
life insurance corporatio... - - 1.51 1.93 2.49
sbi mutual fund 2.96 3.21 3.06 2.76 2.61
uti mutual fund - 1.03 1.05 1.05 1.06
investor education and pr... 0.05 - - 0.05 -
government of singapore -... 3.40 - - - -

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Bajaj Finance reports 21% growth in FD book as on September-end 18 Nov, 5:53 PM Bajaj Finance raises Rs 1,384.17 crore via NCDs 28 Oct, 2:09 PM Bajaj Finance informs about analyst meet outcome 25 Oct, 4:42 PM Bajaj Finance’s Q2 consolidated net profit rises 13% to Rs 4,013.74 crore 23 Oct, 10:30 AM Bajaj Finance - Quaterly Results 22 Oct, 5:31 PM Bajaj Finance - Quaterly Results 22 Oct, 5:31 PM Bajaj Finance - Quaterly Results 22 Oct, 5:31 PM Bajaj Finance raises Rs 500 crore via NCDs 9 Oct, 12:39 PM Bajaj Finance reports 21% growth in deposits during Q2FY25 4 Oct, 11:52 AM Bajaj Finance raises Rs 3,181.54 crore through NCDs 20 Sep, 3:29 PM Bajaj Finance raises Rs 1,011.53 crore through NCDs 9 Aug, 2:10 PM Bajaj Finance, Daimler India enter into partnership 30 Jul, 5:43 PM Bajaj Finance reports 14% rise in Q1 consolidated net profit 24 Jul, 11:14 AM Bajaj Finance informs about update on conference call 24 Jul, 10:04 AM Bajaj Finance informs about presentation 23 Jul, 5:17 PM Bajaj Finance - Quaterly Results 23 Jul, 3:41 PM Bajaj Finance - Quaterly Results 23 Jul, 3:41 PM Bajaj Finance - Quaterly Results 23 Jul, 3:41 PM IRDAI imposes penalty on Bajaj Finance worth Rs 2 crore for violation of provisions 17 Jul, 10:14 AM Bajaj Finance raises Rs 3,442.58 crore through NCDs 10 Jul, 3:42 PM Bajaj Finance reports 10% growth in new loans during Q1FY25 4 Jul, 9:39 AM Bajaj Finance signs MoU with Tata Motors 26 Jun, 2:19 PM Bajaj Finance raises Rs 1,742 crore through NCDs 18 Jun, 2:57 PM Bajaj Finance informs about details of loss of certificate 15 Jun, 1:13 PM Bajaj Finance informs about outcome of board meeting 7 Jun, 2:42 PM Bajaj Finance raises Rs 1000 crore through NCDs 22 May, 3:51 PM Bajaj Finance raises Rs 1,305 crore through NCDs 15 May, 12:30 PM Bajaj Finance raises Rs 7,673.61 crore through NCDs 8 May, 4:51 PM Bajaj Finance gets RBI’s nod to resume disbursal of loans via eCOM, Insta EMI Card 3 May, 9:30 AM Bajaj Finance informs about allotment of NCD on private placement basis 2 May, 3:25 PM Bajaj Finance reports 21% rise in Q4 consolidated net profit 26 Apr, 11:43 AM Bajaj Finance - Quaterly Results 25 Apr, 5:32 PM Bajaj Finance - Quaterly Results 25 Apr, 5:32 PM Bajaj Finance - Quaterly Results 25 Apr, 5:32 PM Bajaj Finance informs about disclosure 6 Apr, 2:44 PM Bajaj Finance reports 4% growth in new loans during Q4FY24 5 Apr, 11:43 AM Bajaj Finance raises Rs 395.01 crore via NCDs 22 Mar, 3:27 PM Bajaj Finance informs about issue of securities 18 Mar, 5:04 PM Bajaj Finance raises Rs 504.49 crore via NCDs 18 Mar, 12:59 PM Bajaj Finance informs about analyst meet 2 Mar, 12:08 PM Bajaj Finance raises Rs 4,280.04 crore via NCDs 20 Feb, 2:05 PM Bajaj Finance’s arm launches DIY application for home loans 14 Feb, 5:18 PM Bajaj Finance to acquire 7% stake in RMBS Development Company 5 Feb, 11:27 AM RBI imposes Rs 5 lakh penalty on Bajaj Finance’s arm 3 Feb, 10:43 AM Bajaj Finance reports 22% rise in Q3 consolidated net profit 30 Jan, 12:00 PM Bajaj Finance to make investment up to Rs 400 crore in Bajaj Financial Securities 30 Jan, 11:42 AM Bajaj Finance - Quaterly Results 29 Jan, 4:50 PM Bajaj Finance - Quaterly Results 29 Jan, 4:50 PM Bajaj Finance - Quaterly Results 29 Jan, 4:50 PM Bajaj Finance informs about allotment of NCDs 15 Jan, 5:23 PM

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 mutual fund industry's penetration in India is close to 7% (Based on the number of PAN cardholders). This under penetration 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.

Bajaj Finance stock price today is Rs 6480.95. 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 Bajaj Finance is Rs 12644.11 Cr and the compounded growth of profit in the past 3 years is 47.3081958640737 %. The PAT margin of Bajaj Finance is 26.9374 %.

  • 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 grew by 20.1865 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Bajaj Finance has a healthy ROE track record. The ROE of Bajaj Finance is at 20.7383 % 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 6480.95. The stock is trading at a current P/E ratio of 35.3883 and the average historical P/E for the last 5 years was 48.5770215283546.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Bajaj Finance is trading at a P/B of 5.0791 . The average historical P/B of Bajaj Finance for the last 5 years was 7.27558656336443. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Bajaj Finance is Rs 6480.95. One can use valuation calculators of ticker to know if Bajaj Finance share price is undervalued or overvalued.

Last Updated on:
Brief about Bajaj Finance

Bajaj Finance Financials: Check Share Price, Balance Sheet, Annual Report and Quarterly Results for Company Analysis

Bajaj Finance Ltd. is a non-banking financial company that provides a wide range of financial services to its customers. In this article, we will analyze Bajaj Finance Ltd. from a stock market perspective. We will cover various topics such as share price, balance sheet, annual report, dividend, quarterly result, stock price, price chart, news, concall, transcripts, investor presentations, promoters, and shareholders.

Bajaj Finance Share Price:

The share price of Bajaj Finance Ltd. is an important indicator of investor sentiment towards the company. The share price is influenced by various factors, such as the company's financial performance, global economic conditions, and market sentiment. Investors can use our pre-built screening tools to analyze Bajaj Finance Ltd.'s share price and identify any trends or patterns. Bajaj Finance Ltd.'s share price has been on an upward trend over the past few years, reflecting the company's strong financial performance and growth prospects.

Bajaj Finance Share Price Overview

Bajaj Finance Limited is a company that provides loans and other financial services to consumers, businesses, and industries across India. The share price of Bajaj Finance can change with market conditions, news about the company, or changes in the economy. People who keep an eye on this company can find the share price section above the page with regular updates. The section includes a summary of Bajaj Finance’s share price, the 52-week high and low, and the day’s high and low price, providing a snapshot of current and historical price performance.

Bajaj Finance Share Price Movement

To understand how Bajaj Finance's shares have been performing, the share price chart on the web page above can be very helpful. This chart shows the rise and fall of the company's share price over time. You won't need to deal with complicated terms or financial jargon—it's a simple graph that plots the share price history. Additionally, it shows the returns Bajaj Finance shares have generated over various periods, such as one week, one month, six months, one year, three years, and five years, which is useful for getting a feel for how the shares have been doing over time given different market conditions.

Bajaj Finance 52-Week Price Range

If you're interested in seeing the highest and lowest prices at which Bajaj Finance shares have traded in the past year, look at the 52-week high and low. This range can give you a sense of how much the share price has fluctuated and may offer an idea about the stability or volatility of Bajaj Finance shares. Often, investors use this information to compare the current share price with past performance. The share price section above the page is where you will find this 52-week high and low data, offering insight into the broader movement of Bajaj Finance’s share price over the year.

Bajaj Finance Daily Share Price Changes

Day traders or those interested in short-term share price movements might look closely at the daily high and low prices of Bajaj Finance's shares. These figures show how much the share price can change from the opening to the closing of the market on a single day. It helps in understanding the daily level of trading activity and the immediate impact of market events on Bajaj Finance’s share price. To get the latest details on Bajaj Finance's daily price movements, you can refer to the regularly updated share price section mentioned above the page, which helps you stay informed about the company's share price activity within each trading day.

Bajaj Finance Balance Sheet:

Bajaj Finance Ltd.'s balance sheet provides crucial information about its financial health. The company's assets include loans, investments, and other assets. Liabilities include borrowings and other liabilities. Equity includes share capital, reserves, and surplus. Investors can use our pre-built screening tools to analyze Bajaj Finance Ltd.'s balance sheet and identify any red flags. The company's balance sheet has remained strong over the years, with a healthy mix of assets and liabilities.

The table depicting the Bajaj Finance Balance Sheet from March 2020 to March 2024 further evidences that equity, assets, as well as liabilities, are growing in terms of size displaying its increasing financial dominance in India.

Bajaj Finance Reserves Growth

The total reserves of Bajaj Finance has increased from ?31,693.22 crore in March 2020 to ?71,886.93 crore in March 2024 showing better position of company’s retained earnings.

Bajaj Finance – Outstanding Payable

The borrowings of Bajaj Finance also rose progressively from ?98,771.60 crore in the period ending March 2020 to ?1,83,453.51 crore in the period ending March 2024. This huge increase in debts has implications that Bajaj Finance used external borrowings to finance its growth, especially in loan deliveries.

Bajaj Finance Assets Analysis

The loan portfolio of Bajaj Finance increased from ?1,13,417.08 crore during the period ended 31 March 2020 to ?2,43,334.43 crore as on 31 March 2024, thus showcasing companies’ active lending in the years. Also, there is an increase in the company’s current assets as in the year 2020 the current assets value reach to ? 14,130.38 crore while in the year 2024 it reached to ?34,512.44 crore which shows an enhancement of its liquidity position and the management of assets.

Bajaj Finance Current Liabilities

More than, the current liability increased from ?7,115.14 crores from March-2020 to ?40,512.99 crores from March-2024 for Bajaj Finance. This increase can be accounted for by the increasing liabilities the company is likely to meet in the near future and this may be the result of the increasing loan portfolio and funding activities of the company.

This analysis is made using Bajaj Finance’s standalone Balance sheet data and has been forecasted from March 2020 to March 2024.Due to the current theme in the concentration of Investors towards financial companies, Bajaj Finance’s stock performance may be easily monitored through stock screening with relation to its effect on NSE and BSE Indices.

Bajaj Finance Annual Report:

Bajaj Finance Ltd. releases an annual report every year, which provides detailed information about the company's financial performance, strategic initiatives, and future plans. The annual report includes a letter from the Chairman, financial statements, and management discussion and analysis. Investors can download Bajaj Finance Ltd.'s annual report from our website and use it to make informed investment decisions. The annual report provides valuable insights into the company's operations and financial performance.

Bajaj Finance Dividend:

Bajaj Finance regularly pays dividends to its shareholders. Dividends are a portion of the company's profits distributed to shareholders. Investors can use our pre-built screening tools to track Bajaj Finance Ltd.'s dividend history and dividend yield. The company has a consistent track record of paying dividends to its shareholders, which is a positive sign for long-term investors.

Bajaj Finance Quarterly Results:

Bajaj Finance Ltd. releases its quarterly results every three months. These provide information about the company's revenue, earnings, and expenses. Investors can use our pre-built screening tools to analyze Bajaj Finance Ltd.'s quarterly results and identify any trends or patterns. The quarterly results are an important indicator of the company's financial health and performance.

Bajaj Finance Q1 FY25 Earnings Conference Call

The Q1 FY25 earnings conference call for Bajaj Finance was hosted by Morgan Stanley. Key participants included:

  • Rajeev Jain, Managing Director of Bajaj Finance
  • Anup Saha, Deputy Managing Director of Bajaj Finance
  • Sandeep Jain, CFO and COO of Bajaj Finance

Bajaj Finance Financial Results Q1 FY25

In Q1 FY25, Bajaj Finance reported significant growth across various financial metrics:

  • Bajaj Finance AUM grew by 31%, amounting to Rs 23,600 crore.
  • Operating expenses (OpEx) to net total income stood at 33.33%.
  • Bajaj Finance Profit Before Tax (PBT) grew by 16%, while Profit After Tax (PAT) increased by 14%.
  • The customer franchise of Bajaj Finance expanded to 88.11 million, while the cross-sell franchise reached 55 million.
  • Bajaj Finance booked 11 million loans and added 4.47 million new customers in Q1 FY25.
  • The Bajaj Finance cost of capital was 7.94% in this quarter.
  • Bajaj Finance NIM grew by 25%, though it saw a compression of 23 basis points due to cost of funds and AUM composition changes.
  • Gross loan losses and provisions were Rs 1,790 crore, with Bajaj Finance gross loan loss to average AUF at 2.12% and net loan losses at 1.99%.

Bajaj Housing Finance (BHFL) Q1 FY25 Performance

Bajaj Housing Finance Limited (BHFL), a wholly-owned subsidiary of Bajaj Finance, showed robust growth in Q1 FY25:

  • Bajaj Housing Finance AUM grew by 31%, reaching Rs 97,000 crore.
  • Home loans increased by 25%, loans against property by 21%, Lease Rental Discounting (LRD) by 41%, and developer finance by 75%.
  • Bajaj Housing Finance NIM grew by 10%, with operating expenses improving as OpEx to net total income reduced from 24% to 21%.

Bajaj Finance Securities Limited (BFSL) Q1 FY25 Performance

Bajaj Finance Securities Limited (BFSL) reported strong growth in Q1 FY25:

  • BFSL’s margin trade financing AUM rose by 65%, reaching Rs 4,400 crore.
  • Bajaj Finance Securities PAT grew by 500%, adding Rs 30 crore to the company's profits.

Bajaj Finance Market Insights and Future Outlook for FY25

  • Bajaj Finance liquidity buffer stood at Rs 16,235 crore, maintained across both Bajaj Finance Limited (BFL) and Bajaj Housing Finance Limited (BHFL).
  • Bajaj Finance expects the net loan loss to average AUF to be between 1.75% and 1.85% for the full fiscal year.
  • Bajaj Housing Finance has filed a Draft Red Herring Prospectus (DRHP) with SEBI for a potential IPO of equity shares, pending market conditions.
  • Bajaj Finance aims to generate Rs 140 to 160 crore PAT for the rest of the fiscal year.
  • Bajaj Finance expects improvements in collection efficiency on loan losses starting from Q3 FY25, with no significant compression in Net Interest Margin (NIM) in the medium term.

Bajaj Finance Stock Price:

Bajaj Finance Ltd.'s stock price is affected by various factors, such as the company's financial performance, global economic conditions, and market sentiment. Investors can use our pre-built screening tools to track Bajaj Finance Ltd.'s stock price and identify potential buying opportunities. The stock price of Bajaj Finance Ltd. has been on an upward trend over the past few years, reflecting the company's strong financial performance and growth prospects.

Bajaj Finance Price Chart:

A price chart provides a visual representation of a company's stock price over a period of time. Investors can use our pre-built screening tools to analyze Bajaj Finance Ltd.'s price chart and identify any trends or patterns. The price chart shows that the stock price of Bajaj Finance Ltd. has been on an upward trend over the past few years, reflecting the company's strong financial performance and growth prospects.

Bajaj Finance News:

Keeping up to date with the latest news about Bajaj Finance Ltd. is important for investors. Our website provides the latest news about Bajaj Finance Ltd. from various sources, such as financial news websites and social media. Investors can use this information to make informed investment decisions.

Bajaj Finance Concall:

Bajaj Finance Ltd. holds conference calls with analysts and investors to discuss its financial performance and future plans. Investors can listen to Bajaj Finance Ltd.'s concall and use the information provided to make informed investment decisions. Our website provides information about upcoming concalls and links to listen to past concalls.

Bajaj Finance Transcripts:

Ticker provides transcripts of Bajaj Finance Ltd.'s concalls. Investors can download the transcripts and analyze the company's financial performance and future plans. The transcripts provide valuable insights into the company's operations and financial performance.

Bajaj Finance Investor Presentations:

Bajaj Finance Ltd. provides investor presentations on its website. These presentations provide information about the company's financial performance, strategic initiatives, and future plans. Investors can download Bajaj Finance Ltd.'s investor presentations from our website and use them to make informed investment decisions. The investor presentations provide valuable insights into the company's operations and financial performance.

Bajaj Finance Promoters:

Promoters are individuals or entities that have a significant stake in a company. Bajaj Finance Ltd.'s promoters include Bajaj Finserv Ltd., which holds a significant stake in the company. Investors can use our pre-built screening tools to analyze Bajaj Finance Ltd.'s promoter holdings and identify any potential conflicts of interest. Bajaj Finance Ltd.'s promoter holdings are relatively stable, which is a positive sign for long-term investors.

Bajaj Finance Shareholders:

Bajaj Finance Ltd. has a large number of shareholders, including institutional and individual investors. Investors can use our pre-built screening tools to analyze Bajaj Finance Ltd.'s shareholder base and identify any potential risks or opportunities. Bajaj Finance Ltd.'s shareholder base is diverse, which is a positive sign for long-term investors.

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