AFM Project
Asmeet Kaur - H22130
Abhishek Barry - H22121
Ishita Kotian - H22139
Mansi Agarwal - H22145
Prafulla Srivalsan - H22153
Net Profit Ratio
Net Profit ratio of Bajaj Finance is lower than Year Bajaj Tata Inv Muthoot Industry
the industry average for last 3 consecutive Finance Corp Finance average
years
2019-20 0.1995 0.7933 0.3233 0.4387
2020-21 0.1656 0.7765 0.3289 0.4237
2021-22 0.2221 0.7943 0.3282 0.4482
Return on Assets
Return on Asset ratio of Bajaj Finance has Year Bajaj Tata Inv Muthoot Industry
been slightly lower than the industry average Finance Corp Finance average
for years 2019-20 and 2020-21 but it increased
significantly during the last year and 2019-20 0.0381 0.0147 0.0622 0.0383
performed better than the average.
2020-21 0.0319 0.0074 0.0599 0.0331
2021-22 0.0418 0.0097 0.0569 0.0361
Return on Equity
Return on Equity of Bajaj Finance has been Year Bajaj Tata Inv Muthoot Industry
slightly better, close to the industry average Finance Corp Finance average
for last 3 consecutive years
2019-20 0.1655 0.0149 0.0381 0.1321
2020-21 0.1230 0.0077 0.0149 0.1268
2021-22 0.1671 0.0103 0.2712 0.1505
Return on capital employed
Return on capital employed for Bajaj Finance Year Bajaj Tata Inv Muthoot Industry
is lower than the industry average for last 3 Finance Corp Finance average
consecutive years
2019-20 0.0735 0.016 0.1910 0.0935
2020-21 0.0547 0.081 0.1723 0.0784
2021-22 0.0699 0.011 0.1713 0.0841
Debt to Equity
Debt to Equity has been double the industry Year Bajaj Tata Inv Muthoot Industry
average for last 3 consecutive years for Bajaj Finance Corp Finance average
Finance
2019-20 2.130582547 0.013961713 0.927861761 1.02413534
2020-21 2.046776543 0.044950461 0.954118705 1.015281903
2021-22 2.233294607 0.066080475 0.721192702 1.006855928
Liabilities to Equity
Liabilities to Equity ratio of Bajaj Finance is Year Bajaj Tata Inv Muthoot Industry
higher than the industry average for last 3 Finance Corp Finance average
consecutive years
2019-20 4.34 1.02 4.36 3.24
2020-21 3.85 1.05 4.16 3.02
2021-22 4.00 1.07 3.85 2.97
Current Ratio
Current Ratio for Bajaj Finance has been far Year Bajaj Tata Inv Muthoot Industry
lesser compared to industry average Finance Corp Finance average
2019-20 3.530980594 825.7599591 1.781063416 277.0240011
2020-21 4.71029153 1538.737996 1.872339314 515.1068756
2021-22 5.155042462 980.1995294 1.799192358 329.0512547
Receivable turnover ratio
Receivable turnover Ratio for Bajaj Finance Year Bajaj Tata Inv Muthoot Industry
has been far lesser compared to industry Finance Corp Finance average
average
2019-20 30.239 147.990 2047.353 741.861
2020-21 33.396 277.347 2812.388 1041.043
2021-22 35.389 12.685 4343.996 1464.023
Debtor Days
Debtor Days for Bajaj Finance has shown a Year Bajaj Tata Inv Muthoot Industry
decrease during the last year compared to Finance Corp Finance average
what it was in the years prior
2019-20 12.07031442 2.466381214 0.178278972 4.904991536
2020-21 10.92940374 1.316043124 0.129782955 4.125076606
2021-22 10.31390995 28.77446918 0.08402401 13.05746771
Asset Turnover Ratio
Asset turnover ratio of Bajaj Finance is higher Year Bajaj Tata Inv Muthoot Industry
than the industry average for last 3 Finance Corp Finance average
consecutive years
2019-20 0.206560448 0.018475442 0.192376879 0.134015889
2020-21 0.206560448 0.012268306 0.203054003 0.136146042
2021-22 0.206560448 0.014243141 0.182621931 0.134475173
Price to earnings Ratio
Price to earnings ratio of Bajaj Finance is Year Bajaj Tata Inv Muthoot Industry
higher than the industry average for last 3 Finance Corp Finance average
consecutive years
2019-20 24.897 31.689 7.859 21.481
2020-21 70.546 47.692 12.695 43.644
2021-22 61.940 34.083 13.310 36.444
