Bajaj Finance Ltd 

Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flo
₹026,725  -0.69%
Aug - close price
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ABOUT
Bajaj Finance is mainly engaged in the business of lending. BFL has a diversified lending
portfolio across retail, SME and commercial customers with a significant presence in urban
and rural India. It also accepts public and corporate deposits and offers variety of financial
services products to its customers.(Source : 202003 Annual Report Page No:124)
KEY POINTS
Amongst Largest NBFCs in India [1]
Bajaj Finance (BFL) started its journey in the year 1987 as a vehicle financing company and
now is one of the largest and most diversified NBFCs in India.
READ MORE 

 Website  BSE  NSE

Market Cap ₹ 4,16,275 Cr.

Current Price ₹ 6,725
High / Low ₹ 8,192 / 6,188
Stock P/E 27.9
Book Value ₹ 1,234
Dividend Yield 0.54 %
ROCE 11.9 %
ROE 22.1 %
Face Value ₹ 2.00
Change in Prom Hold 0.01 %
Promoter holding 54.7 %
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Debt ₹ 2,93,346 Cr.
ROE 3Yr 21.3 %
Industry PE 23.2
PEG Ratio 0.95
10Yrs PE 45.8
Profit growth 20.9 %
High price all time ₹ 8,192
Free Cash Flow ₹ -73,759 Cr.
Intrinsic Value ₹ 4,378
OPM 70.1 %
Sales growth 31.3 %
Sales growth 5Years 24.4 %
EPS ₹ 242
Pledged percentage 0.00 %
Debt to equity 3.84

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eg. Promoter holding  EDIT RATIOS

1m 6m 1Yr 3Yr 5Yr 10Yr Max Price PE Ratio More   Alerts

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✓ Price on NSE ✓ 50 DMA ✓ 200 DMA ✓ Volume

PROS CONS
Company is expected to give good Stock is trading at 5.45 times its
quarter book value
Company has delivered good profit Company has low interest coverage
growth of 29.4% CAGR over last 5 ratio.
years
* The pros and cons are machine generated. 

Peer comparison EDIT COLUMNS

Sector: Finance Industry: Finance & Investments 

Div NP Qtr Qtr Sales Qtr

Mar Cap Yld
S.No. Name CMP Rs. P/ERs.Cr. % Rs.Cr. Var Profit Rs.Cr.
%
1. Bajaj Finance
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6725.00 27.89 416275.03 0.54 3911.98 13.82 16098.67
Median: 193 Co. 229.5 24.31 665.09 0.0 6.87 29.33 29.6
2. Bajaj Finserv 1623.45 31.07 259210.11 0.06 4209.28 10.04 31479.93
3. Jio Financial 326.25 130.75 207275.90 0.00 312.63 -5.81 417.82
4. Cholaman.Inv.&Fn 1385.10 31.82 116381.81 0.14 947.15 33.41 5812.31
5. Shriram Finance 2992.10 14.87 112482.36 1.50 2030.64 18.23 9604.98
6. Bajaj Holdings 9434.60 14.07 104997.66 1.39 1614.51 13.77 133.76
7. HDFC AMC 4123.80 42.50 88075.58 1.70 603.98 26.49 775.24
Median: 193 Co. 229.5 24.31 665.09 0.0 6.87 29.33 29.6

Detailed Comparison with: eg. Infosys

Quarterly Results
Consolidated Figures in Rs. Crores / View Standalone
Jun Sep Dec Mar Jun Sep Dec Mar Jun
2021 2021 2021 2022 2022 2022 2022 2023 2023 2
Revenue 6,742 7,731 8,537 8,626 9,284 9,970 10,787 11,364 12,498 13
Interest 2,254 2,398 2,535 2,568 2,645 2,972 3,351 3,592 4,103 4
Expenses + 3,035 3,236 3,040 2,691 3,026 3,129 3,308 3,382 3,693 3
Financing 1,454 2,098 2,962 3,367 3,613 3,869 4,129 4,390 4,703 4,
Profit
Financing 22% 27% 35% 39% 39% 39% 38% 39% 38%
Margin %
Other Income + 1 1 2 3 2 4 2 5 5
Depreciation 89 95 97 104 111 121 119 134 156
Profit before 1,366 2,004 2,868 3,265 3,503 3,752 4,012 4,261 4,551 4,
tax
Tax % 27% 26% 26% 26% 26% 26% 26% 26% 24%
Net Profit + 1,002 1,481 2,125 2,420 2,596 2,781 2,973 3,158 3,437 3,
EPS in Rs 16.61 24.54 35.21 39.96 42.88 45.93 49.11 52.16 56.72 5
Gross NPA % 2.96% 2.45% 1.73% 1.60% 1.25% 1.17% 1.14% 0.94% 0.87% 0.
Net NPA⌘+M
% 1.46% 1.10% 0.78% 0.68% 0.51% 0.44% 0.41% 0.34% 0.31% 0.
 Jun Sep Dec Mar Jun Sep Dec Mar Jun
2021 2021 2021 2022 2022 2022 2022 2023 2023 2
Raw PDF         

Profit & Loss RELATED PARTY

Consolidated Figures in Rs. Crores / View Standalone
📥

Mar Mar Mar Mar Mar Mar Mar Mar Mar

2015 2016 2017 2018 2019 2020 2021 2022 2023
Revenue 5,392 7,299 9,970 12,746 18,487 26,374 26,673 31,641 41,411
Interest 2,274 2,959 3,853 4,696 6,723 9,608 9,519 9,855 12,701
Expenses + 1,752 2,354 3,250 4,115 5,454 9,159 10,839 11,880 12,693
Financing 1,367 1,986 2,867 3,935 6,310 7,608 6,314 9,906 16,018
Profit
Financing 25% 27% 29% 31% 34% 29% 24% 31% 39%
Margin %
Other Income + 26 35 22 10 13 9 3 -17 -5
Depreciation 36 56 71 102 144 295 325 385 485
Profit before 1,357 1,965 2,817 3,843 6,179 7,322 5,992 9,504 15,528
tax
Tax % 34% 35% 35% 35% 35% 28% 26% 26% 26%
Net Profit + 898 1,279 1,836 2,496 3,995 5,264 4,420 7,028 11,508
EPS in Rs 17.90 23.74 33.40 43.19 69.12 87.48 73.35 116.09 190.07
Dividend 10% 10% 11% 9% 9% 11% 14% 17% 16%
Payout %

Compounded
Sales Growth Compounded
Profit Growth Stock
CAGR Price Return
Equity on
10 Years: % 10 Years: % 10 Years: 41% 10 Years: %
5 Years: 24% 5 Years: 29% 5 Years: 16% 5 Years: 20%
3 Years: 27% 3 Years: 48% 3 Years: 2% 3 Years: 21%
TTM: 31% TTM: 21% 1 Year: -6% Last Year: 22%
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Balance Sheet CORPORATE ACTIONS
Consolidated Figures in Rs. Crores / View Standalone
Mar Mar Mar Mar Mar Mar Mar Mar
2015 2016 2017 2018 2019 2020 2021 2022
Equity Capital 50 54 109 115 115 120 120 121
Reserves 4,750 7,271 9,491 15,733 19,582 32,208 36,798 43,592
Borrowings + 26,655 37,025 49,250 66,557 101,588 129,806 131,634 165,232
Other Liabilities + 1,325 2,624 4,881 2,393 2,948 2,257 2,918 3,562
Total Liabilities 32,780 46,973 63,731 84,798 124,233 164,391 171,470 212,506
Fixed Assets + 252 290 366 470 695 1,321 1,316 1,716
CWIP 0 0 0 0 0 0 51 34
Investments 326 1,029 4,070 3,139 8,599 17,544 18,397 12,246
Other Assets + 32,201 45,654 59,295 81,189 114,939 145,526 151,707 198,510
Total Assets 32,780 46,973 63,731 84,798 124,233 164,391 171,470 212,506

Cash Flows
Consolidated Figures in Rs. Crores / View Standalone
Mar Mar Mar Mar Mar Mar Mar
2015 2016 2017 2018 2019 2020 2021
Cash from Operating Activity + -7,064 -9,870 -10,439 -20,566 -29,062 -24,412 -807
Cash from Investing Activity + -360 -687 -3,047 1,075 -5,379 -8,758 -429
Cash from Financing Activity + 6,867 11,656 12,513 19,503 34,449 34,167 1,741
Net Cash Flow -557 1,100 -972 13 9 998 505

Ratios
Consolidated Figures in Rs. Crores / View Standalone
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 Mar Mar Mar Mar Mar Mar Mar Mar Mar Mar
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
ROE 21% 22% 20% 22% 20% 13% 17% 23% 22%
%

Shareholding Pattern Quarterly Yearly TRADES

Numbers in percentages 3 Recently

Sep Dec Mar Jun Sep Dec Mar

2021 2021 2022 2022 2022 2022 2023 2
Promoters + 56.03% 56.03% 55.86% 55.86% 55.86% 55.91% 55.91% 55.
FIIs + 23.64% 22.85% 21.41% 19.98% 20.49% 19.87% 19.16% 20.
DIIs + 9.73% 10.11% 11.22% 12.03% 12.09% 12.37% 12.92% 12.
Government + 0.00% 0.00% 0.00% 0.00% 0.07% 0.07% 0.07% 0.
Public + 10.42% 10.91% 11.15% 11.84% 11.26% 11.60% 11.75% 10.
Others + 0.17% 0.10% 0.36% 0.29% 0.22% 0.18% 0.17% 0.
No. of
Shareholders 5,25,257 6,36,931 7,18,638 8,68,271 7,67,722 8,16,292 8,90,706 7,84

* The classifications might have changed from Sep'2022 onwards. 

Documents
Announcements Annual reports
Recent Important Search All  Financial Year 2024
Announcement under Regulation 30 (LODR)-Issue of from bse
Securities Financial Year 2023
31 Jul - Of allotment of secured redeemable non- from bse
convertible debentures on private placement basis
Announcement under Regulation 30 (LODR)-Analyst Financial Year 2022
from bse
/ Investor
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27 Jul - Transcript of Conference Call held in respect of the Fi i l Y 2021

Financial Results for the quarter ended 30 June 2024. RIGHT ISSUE 


Credit ratings Concalls  Add Missing

Rating update Jul 2024 Transcript Notes PPT REC
21 Jun from care
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27 May from crisil
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Rating update
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