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.
Bajaj Finance Total Revenue Break up for Q2 FY25
Standalone Quarterly Results of Bajaj Finance for Q2 FY25 reveals a depictably high operating revenues of Rs 14,487.43 crore for September 2024 compared to Rs 11,410.28 crore for September 2023. This growth can be attributed to growth in the geographical location of the company and also the constant demand for the financial services from the clients.
Bajaj Finance Profit & Margins – Sales Growth and Operating Margins
Net profit of Bajaj Finance Group in Q2 FY25 increased to Rs 5,613.71 crore from Rs 3,105.75 crore during the same period previous year. As shown above, this means that the company has been delivering an impressive growth of 81% which underlines the work done in improving the profitability profile. EPS at Rs 90.74 was arrived at by computing the adjusted EPS and the same proved good shareholder fund returns.
Bajaj Finance Operating Profit Analysis for Q2 FY25
It reduces the profit before tax in Q2 FY25 at Rs 2,102.50 crore and September 2023 at Rs 4,190.81 crore. This was mainly due to provisions taken during the quarter to the tune of Rs 2,544.11 crore indicating the organization's conservative overhead in prudent high-risk management.
On that note, expenses such as tax are factored into Bajaj Finance through general and administrative
Gross tax for Bajaj Finance was up at Rs 1,577.01 crore in Q2 FY25 from Rs 1,085.06 crore in September 2023, in synergy with the improvement in the position. Selling expenses also increased to Rs 5,105.21 crore, from Rs 3,723.74 crore in the same Q1 of the last fiscal, giving a sign of the company’s continuous spending on growth.
Bajaj Finance Provisions for Q2 FY25
There was no provision made in the first three quarters of September 2024 but in September 2024 alone Bajaj Finance reported provisions of Rs 2,544.11 crore. This strategic decision remains in line with many of the company’s principles, especially the ones that aim at preserving asset quality, and contingency plans for future market conditions.
The following analysis relates to the Standalone Quarterly Results within Bajaj Finance. The second area of concern was focusing on other trends that may affect the client in the financial services sector and potential changes in performance and position.