Bajaj Finance

Bajaj Finance Ltd.

NSE: BAJFINANCE BSE: 500034 SECTOR: Finance - NBFC  580k   6k   1k

5628.65
+94.20 (1.70%)
NSE: 29 Mar 4:00 PM

Price Summary

Today's High

₹ 5647

Today's Low

₹ 5550

52 Week High

₹ 7777

52 Week Low

₹ 5220

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

₹ 340774.93 Cr.

Advances

₹ 144276.25 Cr.

No. of Shares

60.54 Cr.

P/E

35.06

P/B

7.03

Face Value

₹ 2

Div. Yield

0.36 %

Book Value (TTM)

₹  800.46

Operating Revenue

₹ 27894.74 Cr.

Net Profit

₹ 6350.49 Cr.

Promoter Holding

55.91 %

EPS (TTM)

₹  160.55

Sales Growth

18.45

ROE

16.43 %

ROCE

10.81%

Profit Growth

60.55 %

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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.

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%)

NSEQ30

NIFTY100 Quality 30
3769
  39.6500000000001 (1.06318795500557%)

NIFTYTOTALMCAP

Nifty Total Market index
7984.8
  76.6999999999998 (0.969891630100772%)

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%)

SNSX50

S&P Bse Sensex50
17957.44
  135.66 (0.761203426369317%)

ESG100

S&P Bse 100 ESG Index
284.47
  1.80000000000001 (0.636784943573776%)

S&PDIVSTABLE

S&P Bse Dividend Stability
598.49
  5.99000000000001 (1.01097046413503%)

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 Year18.45%
3 Year17.07%
5 Year22.86%

Profit Growth

1 Year60.55%
3 Year17.74%
5 Year28.16%

ROE%

1 Year16.43%
3 Year15.78%
5 Year17.81%

ROCE %

1 Year10.81%
3 Year10.85%
5 Year11.57%

ROA%

4.17147690615381

PEG Ratio

0.58

PAT Margin (%)

22.7659049698975

EPS Growth(%)

60.0956961085813

Share Holding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Dec 2022 55.91 0
Sep 2022 55.86 0
Jun 2022 55.86 0
Mar 2022 55.86 0
Dec 2021 56.03 0
Investors List
* Figures given above are % of equity capital

 Strengths

  • PAT margin has surged by 5.9694844604392%.
  • Company has maintained a good ROA of 3.67930245541883% in last 3 years.
  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 17.0684935666949%.
  • The company has delivered substantial profit growth of 0% over past 3 years.
  • Promoters shareholding is 55.91%.

 Limitations

  • The company is trading at 7.03179295135418 times the book value.

Quarterly Result (All Figures in Cr.)

PARTICULARS Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022
Operating Revenue 7527.18 7617.08 8144.68 8602.63 9213.53
Other Income 2.48 3.11 1.67 3.63 1.08
Interest Expended 1972.1 1947.8 2005.99 2208.93 2455.89
Operating Expenses 2858.92 2516.83 2861.96 2951.32 3110.13
Total Provisions 0 0 0 0 0
Depreciation 88.8 96.1 102.11 110.82 108.31
Profit Before Tax 2609.84 3059.46 3176.29 3335.19 3540.28
Tax 675.99 791.51 820.37 862.95 916.06
Net Profit 1933.85 2267.95 2355.92 2472.24 2624.22

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

PARTICULARS Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Operating Income 12652.84 17386.02 23822.53 23549.72 27894.74
Other Income 12.28 13.25 11.62 14.17 7.2
Interest 4648.98 6037.3 7990.48 7550.09 7670.61
Operating Expenses 2949.91 3641.58 4921.19 4632.7 6613.44
Total Provisions 1235.01 1685.09 4114.35 6018.22 5031.5
Exceptional Items 0 0 0 0 0
Profit Before Tax 3831.22 6035.3 6808.13 5362.88 8586.39
Tax 1346.71 2144.96 1927.01 1407.37 2235.9
Profit After Tax 2484.51 3890.34 4881.12 3955.51 6350.49
Adjusted EPS (Rs.) 43.2 67.44 81.36 65.75 105.26

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022
Equity and Liabilities
Share Capital 115.03 115.37 119.99 120.32 120.66
Total Reserves 15702.18 19448.26 31693.22 35818.42 41935.22
Borrowings 55973.17 77029.4 98771.6 93452.45 113574.34
Other N/C liabilities -605.44 -434.45 -543.99 -426.72 -485.63
Current liabilities 9667.51 11680.46 7115.14 8399.87 11963.09
Total Liabilities 80852.45 107839.04 137155.96 137364.34 167107.68
Assets
Loans 75532.88 95181.26 113417.08 113089.94 144276.25
Net Block 464.66 654.33 1228.14 1227.2 1598.44
Capital WIP 0 0 0 7.07 13.27
Intangible WIP 0 0 0 43.99 19.41
Investments 2553.43 5060.63 8076.41 8107.56 9390.74
Other Loans 86.99 184.72 276.68 256.27 324.31
Other N/C Assets 31.59 19.64 27.27 0 0
Current Assets 2182.9 6738.46 14130.38 14632.31 11485.26
Total Assets 80852.45 107839.04 137155.96 137364.34 167107.68
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Promoters 56.03 55.86 55.86 55.86 55.91
bajaj finserv limi... - 52.49 52.49 52.49 52.49
bajaj finserv ltd 52.65 - - - -
maharashtra scoote... 3.14 3.13 3.13 3.13 3.13
sanjivnayan bajaj - 0.08 0.08 0.08 0.08
shri sanjivnayan b... 0.08 - - - -
bajaj sevashram pr... - - - - 0.05
bajaj allianz life... - 0.04 0.04 0.04 0.04
bajaj allianz life... 0.04 - - - -
bajaj allianz life... - - - - -
madhur bajaj 0.01 - - - -
baroda industries ... 0.02 0.02 0.02 0.02 0.02
jamnalal sons priv... 0.02 0.02 0.02 0.02 0.02
neelima bajaj fami... 0.01 0.01 0.01 0.01 0.01
nimisha bajaj fami... 0.01 0.01 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
bachhraj factories... 0.01 0.01 0.01 0.01 0.01
bachharaj factorie... - - - - -
PARTICULARS Dec 2021% Mar 2022% Jun 2022% Sep 2022% Dec 2022%
Investors 43.97 44.14 44.14 44.14 44.09
government of sing... - - - 3.42 6.98
government of sing... 3.22 3.26 3.35 - -
axis mutual fund t... - 2.79 - - -
axis mutual fund t... - - 2.76 - -
axis mutual fund t... - - - 2.67 -
axis mutual fund t... 2.64 - - - -
axis nifty 50 etf - - - - 2.64
axis mutual funds - - - - -
sbi arbitrage oppo... - 1.79 - - 2.55
axis mutual fund t... - - - - -
sbi long term adva... - - - 2.29 -
sbi mutual funds - - - - -
sbi equity hybrid ... - - 1.88 - -
qualified institut... - - - - -
sbi equity minimum... 1.71 - - - -
sbi mutual fund - - - - -
iepf 0.06 0.06 0.05 - -
investor education... - - - 0.05 -
investor education... - - - - 0.05

Annual Reports

Ratings & Research Reports

Company Presentations

Company News

Bajaj Finance offers secure investment options to customers through FD, SDP 23 Feb 2023, 12:58PM Bajaj Finance informs about update on conference call 28 Jan 2023, 2:17PM Bajaj Finance reports 40% rise in Q3 consolidated net profit 28 Jan 2023, 12:45PM Bajaj Finance - Quaterly Results27 Jan 2023, 4:02PM Bajaj Finance - Quaterly Results27 Jan 2023, 4:02PM Bajaj Finance - Quaterly Results27 Jan 2023, 4:02PM Bajaj Finance increases FD rates for multiple tenures21 Jan 2023, 12:47PM Bajaj Finance reports 41% growth in deposit book in Q3FY235 Jan 2023, 10:30AM Bajaj Finance inks pact to acquire 40% stake in Snapwork Technologies26 Nov 2022, 12:30PM Bajaj Finance informs about issue of securities17 Nov 2022, 4:16PM Bajaj Finance informs about transcript of investors conference call25 Oct 2022, 12:39PM Bajaj Finance reports 88% rise in Q2 consolidated net profit21 Oct 2022, 10:04AM Bajaj Finance - Quaterly Results20 Oct 2022, 3:55PM Bajaj Finance - Quaterly Results20 Oct 2022, 3:55PM Bajaj Finance - Quaterly Results20 Oct 2022, 3:55PM Bajaj Finance extends lucrative benefits to customers ahead of festival season12 Oct 2022, 10:59AM Bajaj Finance hikes interest rate on fixed deposit 7 Oct 2022, 12:27PM Bajaj Finance reports 37% growth in deposit book in Q2FY236 Oct 2022, 4:11PM Bajaj Finance hikes FD Rates 26 Aug 2022, 2:13PM Bajaj Finance’s arm hikes lending rate by 0.50% 23 Aug 2022, 12:07PM Bajaj Finance reports 2-fold jump in Q1 consolidated net profit 27 Jul 2022, 3:50PM Bajaj Finance - Quaterly Results27 Jul 2022, 3:02PM Bajaj Finance - Quaterly Results27 Jul 2022, 3:02PM Bajaj Finance - Quaterly Results27 Jul 2022, 3:02PM Bajaj Finance reports 22% growth in deposit book in Q1FY236 Jul 2022, 11:28AM Bajaj Finance’s arm revises interest rate on home loan22 Jun 2022, 5:33PM Bajaj Finance partners with Worldline to develop POS payments acquiring solutions 21 Jun 2022, 3:13PM Bajaj Finance raises deposit rates up to 20 bps on various tenors 14 Jun 2022, 10:41AM Bajaj Finance inks pact with DBS Bank 7 Jun 2022, 10:30AM Bajaj Finance launches public awareness initiative ‘Har Time EMI On Time’4 Jun 2022, 10:19AM Bajaj Finance increases interest rates on fixed deposit11 May 2022, 5:31PM Bajaj Finance informs about compliance report7 May 2022, 3:47PM Bajaj Finance informs about resignation of director29 Apr 2022, 2:47PM Bajaj Finance collaborates with FinMapp27 Apr 2022, 12:36PM Bajaj Finance reports 80% jump in Q4 consolidated net profit 27 Apr 2022, 9:46AM Bajaj Finance - Quaterly Results26 Apr 2022, 6:13PM Bajaj Finance - Quaterly Results26 Apr 2022, 6:13PM Bajaj Finance - Quaterly Results26 Apr 2022, 6:13PM Bajaj Finance’s deposit book rises 19% at Rs 30,800 crore in Q4FY225 Apr 2022, 9:28AM Bajaj Finance’s arm surpasses Rs 50,000 crore worth of assets under management19 Mar 2022, 11:28AM Bajaj Finance gets nod to raise funds 19 Jan 2022, 4:28PM Bajaj Finance gets nod to invest funds in subsidiaries company19 Jan 2022, 12:15PM Bajaj Finance reports 85% rise in Q3 consolidated net profit19 Jan 2022, 9:51AM Bajaj Finance - Quaterly Results18 Jan 2022, 5:44PM Bajaj Finance - Quaterly Results18 Jan 2022, 5:44PM Bajaj Finance - Quaterly Results18 Jan 2022, 5:44PM Bajaj Finance planning to raise funds via NCDs12 Jan 2022, 11:27AM Bajaj Finance’s deposit book stands at Rs 30,000 crore in Q3FY225 Jan 2022, 11:44AM Bajaj Finance raises Rs 180.50 crore via NCDs31 Dec 2021, 2:26PM Bajaj Finance inks pact with CARS24 30 Dec 2021, 2:40PM

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 6350.49 Cr and the compounded growth of profit in the past 3 years is 17.7441078115325 %. The PAT margin of Bajaj Finance is 22.7659049698975 %.

  • 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 60.0956961085813 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): The Company has a average ROE track record. The ROE of Bajaj Finance is at 16.4320791018065 % 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 5625.2. The stock is trading at a current P/E ratio of 68.9618154976221 and the average historical P/E for the last 5 years was 52.0661497492642.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Bajaj Finance is trading at a P/B of 7.0318 . The average historical P/B for the last 5 years was 7.77270075759249. 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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