Finance
Valuation | |
|---|---|
| Market Cap | 6.03 LCr |
| Price/Earnings (Trailing) | 22.21 |
| Price/Sales (Trailing) | 7.91 |
| EV/EBITDA | 11.51 |
| Price/Free Cashflow | -9.63 |
| MarketCap/EBT | 24.73 |
| Enterprise Value | 6.01 LCr |
Fundamentals | |
|---|---|
Growth & Returns | |
|---|---|
| Price Change 1W | -1.8% |
| Price Change 1M | -5.6% |
| Price Change 6M | 3.8% |
| Price Change 1Y | 31.7% |
| 3Y Cumulative Return | 17.4% |
| 5Y Cumulative Return | 13.8% |
| 7Y Cumulative Return | 21.2% |
| 10Y Cumulative Return | 31.4% |
| Revenue (TTM) |
| 76.24 kCr |
| Rev. Growth (Yr) | 18% |
| Earnings (TTM) | 18.57 kCr |
| Earnings Growth (Yr) | 23.3% |
Profitability | |
|---|---|
| Operating Margin | 32% |
| EBT Margin | 32% |
| Return on Equity | 17.58% |
| Return on Assets | 3.64% |
| Free Cashflow Yield | -10.38% |
Cash Flow & Liquidity |
|---|
| Cash Flow from Investing (TTM) | -2.77 kCr |
| Cash Flow from Operations (TTM) | -68.15 kCr |
| Cash Flow from Financing (TTM) | 70.53 kCr |
| Cash & Equivalents | 1.68 kCr |
| Free Cash Flow (TTM) | -68.74 kCr |
| Free Cash Flow/Share (TTM) | -110.61 |
Balance Sheet | |
|---|---|
| Total Assets | 5.1 LCr |
| Total Liabilities | 4.04 LCr |
| Shareholder Equity | 1.06 LCr |
| Net PPE | 2.67 kCr |
| Inventory | 0.00 |
| Goodwill | 3.27 Cr |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.09 |
| Interest/Cashflow Ops | -1.62 |
Dividend & Shareholder Returns | |
|---|---|
| Dividend/Share (TTM) | 11.2 |
| Dividend Yield | 1.11% |
| Shares Dilution (1Y) | 101.1% |
| Shares Dilution (3Y) | 105.6% |
Growth: Awesome revenue growth! Revenue grew 22.4% over last year and 109.3% in last three years on TTM basis.
Insider Trading: There's significant insider buying recently.
Smart Money: Smart money has been increasing their position in the stock.
Size: It is among the top 200 market size companies of india.
Past Returns: In past three years, the stock has provided 17.4% return compared to 13.5% by NIFTY 50.
Profitability: Very strong Profitability. One year profit margin are 24%.
Dilution: Company has been diluting it's stock to raise money for business.
Momentum: Stock is suffering a negative price momentum. Stock is down -5.6% in last 30 days.
Technicals: SharesGuru indicator is Bearish.
Growth: Awesome revenue growth! Revenue grew 22.4% over last year and 109.3% in last three years on TTM basis.
Insider Trading: There's significant insider buying recently.
Smart Money: Smart money has been increasing their position in the stock.
Size: It is among the top 200 market size companies of india.
Past Returns: In past three years, the stock has provided 17.4% return compared to 13.5% by NIFTY 50.
Profitability: Very strong Profitability. One year profit margin are 24%.
Dilution: Company has been diluting it's stock to raise money for business.
Momentum: Stock is suffering a negative price momentum. Stock is down -5.6% in last 30 days.
Technicals: SharesGuru indicator is Bearish.
Investor Care | |
|---|---|
| Dividend Yield | 1.11% |
| Dividend/Share (TTM) | 11.2 |
| Shares Dilution (1Y) | 101.1% |
| Earnings/Share (TTM) | 43.62 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 37.37 |
| RSI (5d) | 37.19 |
| RSI (21d) | 27.17 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Sell |
| RSI Signal | Hold |
| RSI5 Signal | Hold |
| RSI21 Signal | Buy |
| SMA 5 Signal | Sell |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Sell |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Updated Dec 3, 2025
Recent fluctuations in Bajaj Finance's stock price have raised concerns about short-term volatility.
Investors have expressed uncertainty due to the fluctuating P/E ratios in the current market.
Concerns about potential regulatory changes and their impact on financial services may affect investor sentiment.
Summary of Bajaj Finance's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Understand Bajaj Finance ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| BAJAJ FINSERV LIMITED | 51.32% |
| MAHARASHTRA SCOOTERS LIMITED | 3.05% |
| GOVERNMENT OF SINGAPORE - E | 2.5% |
| UTI Mutual Fund | 1.14% |
| NPS TRUST | 1.07% |
| AXIS Mutual Fund | 1.05% |
| SANJIVNAYAN BAJAJ | 0.08% |
Detailed comparison of Bajaj Finance against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|---|
| BAJAJFINSV | Bajaj Finserv | 3.25 LCr | 1.41 LCr | -1.30% | +20.80% | 33.47 | 2.29 | - | - |
| SHRIRAMFIN | Shriram Finance | 1.87 LCr |
Bajaj Finance is a prominent Non-Banking Financial Company (NBFC) based in India, with the stock ticker BAJFINANCE.
With a market capitalization of Rs. 562,853.1 Crores, it specializes in a range of financial services:
Bajaj Finance also engages in investment services, offering fixed deposit and mutual fund options, and provides various partnership and service solutions, including insurance services.
Originally known as Bajaj Auto Finance Limited, the company was incorporated in 1987 and is a subsidiary of Bajaj Finserv Ltd.. Headquartered in Pune, India, it has demonstrated strong financial performance, with a trailing 12-month revenue of Rs. 66,188 Crores and a profit of Rs. 16,058.4 Crores in the past year.
Bajaj Finance returns value to its investors through dividends, boasting a dividend yield of 0.9% per year and a recent payout of Rs. 66 per share. However, it has a history of diluting shareholder holdings, with a 2.6% reduction over the past three years. Remarkably, the company has achieved a revenue growth of 121.6% in the same period, highlighting its robust business trajectory.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
Bajaj Finance has maintained a strong market presence with considerable market capitalization and consistent investor interest.
General • 06 Jan 2026 Intimation under Regulation 30 of SEBI Listing Regulations - ESG Rating |
General • 03 Jan 2026 Information under Regulation 30 of SEBI Listing Regulation, 2015 and Regulation 8 of SEBI PIT Regulations, 2015. |
Analyst / Investor Meet • 05 Dec 2025 Intimation of Audio Recording of Analyst/Investor Group Meet |
Investor Presentation • 05 Dec 2025 Submission of investor / analyst Group Meet presentation |
General • 02 Dec 2025 The Company today sold 166,600,000 equity shares representing 1.9994% of Bajaj Housing Finance Limited paid-up equity share capital at Rs. 95.3074 per equity shares in open market by executing .... |
Analyst / Investor Meet • 01 Dec 2025 |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
| BAJAJ SEVASHRAM PRIVATE LIMITED | 0.05% |
| BAJAJ ALLIANZ LIFE INSURANCE COMPANY LTD | 0.04% |
| BARODA INDUSTRIES PRIVATE LIMITED | 0.02% |
| JAMNALAL SONS PRIVATE LIMITED | 0.02% |
| Nimisha Bajaj Family Trust (Kumud Bajaj) | 0.01% |
| Neelima Bajaj Family Trust (Kumud Bajaj) | 0.01% |
| SHEFALI BAJAJ | 0.01% |
| SIDDHANTNAYAN BAJAJ | 0.01% |
| SANJALI BAJAJ | 0.01% |
| BACHHRAJ FACTORIES PRIVATE LIMITED | 0.01% |
| BAJAJ ALLIANZ GENERAL INSURANCE COMPANY LIMITED | 0.01% |
| SHEKHAR BAJAJ | 0% |
| NIRAJ BAJAJ | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
| 45.63 kCr |
| +19.40% |
| +68.30% |
| 25.78 |
| 4.11 |
| - |
| - |
| CHOLAFIN | Cholamandalam Investment and Finance Co. | 1.5 LCr | 28.94 kCr | +3.60% | +40.00% | 32.34 | 5.19 | - | - |
| ABCAPITAL | Aditya Birla Capital | 94.34 kCr | 41.78 kCr | +1.10% | +100.80% | 28.86 | 2.26 | - | - |
| IDFCFIRSTB | IDFC FIRST BANK | 72.49 kCr | 44.98 kCr | +6.70% | +35.20% | 35.91 | 1.61 | - | - |
| M&MFIN | Mahindra & Mahindra Financial Services | 50.04 kCr | 19.76 kCr | +2.40% | +29.90% | 18.7 | 2.53 | - | - |
| Finance costs | 1.3% | 7,011 | 6,918 | 6,552 | 6,386 | 6,149 | 5,684 |
| Depreciation and Amortization | 2.8% | 258 | 251 | 252 | 219 | 210 | 200 |
| Fees and commission expenses | 9% | 836 | 767 | 729 | 685 | 629 | 554 |
| Impairment on financial instruments | 7% | 2,269 | 2,120 | 2,329 | 2,043 | 1,909 | 1,685 |
| Other expenses | 4.7% | 1,048 | 1,001 | 1,025 | 1,007 | 965 | 942 |
| Profit Before exceptional items and Tax | 3.7% | 6,605 | 6,367 | 5,639 | 5,762 | 5,398 | 5,263 |
| Total profit before tax | 3.7% | 6,605 | 6,367 | 5,639 | 5,762 | 5,398 | 5,263 |
| Current tax | -16.5% | 1,551 | 1,858 | 1,029 | 1,470 | 1,330 | 1,561 |
| Deferred tax | 142.5% | 110 | -255.48 | 73 | -12.83 | 58 | -207.22 |
| Tax expense | 3.6% | 1,660 | 1,602 | 1,102 | 1,457 | 1,388 | 1,353 |
| Total profit (loss) for period | 3.8% | 4,948 | 4,765 | 4,546 | 4,308 | 4,014 | 3,912 |
| Other comp. income net of taxes | -322.9% | -195.13 | 89 | -187.34 | 86 | -9.3 | 43 |
| Total Comprehensive Income | -2.1% | 4,753 | 4,854 | 4,358 | 4,394 | 4,004 | 3,955 |
| Reserve excluding revaluation reserves | - | - | - | - | - | - | - |
| Earnings Per Share, Basic | 4.3% | 7.85 | 7.57 | 14.47 | 13.726 | 12.932 | 12.656 |
| Earnings Per Share, Diluted | 4.3% | 7.83 | 7.55 | 14.436 | 13.694 | 12.9 | 12.622 |
| Other revenue from operations |
| 85.5% |
| 1,828 |
| 986 |
| 1,098 |
| 892 |
| 163 |
| 151 |
| Other income | 531.1% | 40 | 7.18 | 5.37 | 7.2 | 14 | 12 |
| Total Expenses | 34.8% | 40,288 | 29,893 | 21,805 | 19,285 | 18,183 | 17,026 |
| Employee Expense | 18.1% | 6,907 | 5,849 | 4,573 | 3,222 | 2,242 | 2,295 |
| Finance costs | 33.2% | 18,437 | 13,843 | 9,285 | 7,573 | 7,446 | 7,858 |
| Depreciation and Amortization | 30.7% | 822 | 629 | 444 | 355 | 302 | 271 |
| Fees and commission expenses | 32.7% | 2,600 | 1,959 | 1,934 | 1,766 | 1,302 | 1,105 |
| Impairment on financial instruments | 72.4% | 7,883 | 4,572 | 3,066 | 4,622 | 5,721 | 3,805 |
| Other expenses | 19.7% | 3,639 | 3,040 | 2,502 | 1,747 | 1,170 | 1,693 |
| Profit Before exceptional items and Tax | 12.2% | 19,132 | 17,053 | 13,882 | 8,586 | 5,363 | 6,808 |
| Exceptional items before tax | - | 2,544 | 0 | 0 | 0 | 0 | 0 |
| Total profit before tax | 27.1% | 21,676 | 17,053 | 13,882 | 8,586 | 5,363 | 6,808 |
| Current tax | 15.1% | 5,104 | 4,436 | 3,593 | 2,242 | 1,471 | 2,080 |
| Deferred tax | -222.7% | -89.44 | -27.03 | -1.23 | -6.1 | -63.33 | -152.95 |
| Tax expense | 13.7% | 5,015 | 4,409 | 3,592 | 2,236 | 1,407 | 1,927 |
| Total profit (loss) for period | 31.8% | 16,662 | 12,644 | 10,290 | 6,350 | 3,956 | 4,881 |
| Other comp. income net of taxes | -188.1% | -78.27 | 91 | -27.05 | 35 | -57.95 | -113.66 |
| Total Comprehensive Income | 30.2% | 16,583 | 12,735 | 10,263 | 6,385 | 3,898 | 4,767 |
| Reserve excluding revaluation reserves | 22.2% | 87,872 | 71,887 | 51,372 | 41,935 | 35,818 | 31,693 |
| Earnings Per Share, Basic | 30.7% | 53.866 | 41.454 | 34.074 | 21.078 | 13.17 | 16.65 |
| Earnings Per Share, Diluted | 30.8% | 53.716 | 41.294 | 33.902 | 20.926 | 13.066 | 16.52 |
| Current tax assets (Net) |
| -45.8% |
| 220 |
| 405 |
| 528 |
| 255 |
| 181 |
| 176 |
| Property, plant and equipment | -1.1% | 2,504 | 2,532 | 2,290 | 2,212 | 1,777 | 1,552 |
| Capital work-in-progress | 23.1% | 33 | 27 | 29 | 25 | 15 | 15 |
| Total non-financial assets | 1.9% | 5,397 | 5,294 | 5,206 | - | - | - |
| Total assets | 7.6% | 395,664 | 367,870 | 329,411 | 296,614 | 252,497 | 216,525 |
| Equity share capital | 404.9% | 622 | 124 | 124 | 124 | 121 | 121 |
| Total equity | 6.1% | 93,321 | 87,996 | 79,210 | 72,011 | 56,073 | 51,493 |
| Derivative financial instruments | -60% | 11 | 26 | 40 | 0.85 | 0 | - |
| Debt securities | 17.2% | 130,053 | 111,011 | 99,470 | 87,596 | 79,625 | 65,670 |
| Borrowings | 4.8% | 94,026 | 89,738 | 76,120 | 69,238 | 54,282 | 47,895 |
| Deposits | -2.3% | 69,718 | 71,366 | 66,106 | 59,967 | 54,640 | 44,490 |
| Subordinated liabilities | -2.9% | 3,013 | 3,104 | 3,012 | 3,578 | 3,463 | 3,630 |
| Total financial liabilities | 7.8% | 300,607 | 278,861 | 248,213 | - | - | - |
| Current tax liabilities | 1414.8% | 819 | 55 | 1,168 | 83 | 546 | 123 |
| Provisions | 13.6% | 527 | 464 | 495 | 385 | 352 | 254 |
| Total non financial liabilities | 71.6% | 1,736 | 1,012 | 1,988 | - | - | - |
| Total liabilities | 8% | 302,343 | 279,874 | - | 224,604 | 196,423 | 165,032 |
| Total equity and liabilities | 7.6% | 395,664 | 367,870 | 329,411 | 296,614 | 252,497 | 216,525 |
| 33.7% |
| 16,616 |
| 12,425 |
| 9,953 |
| 6,442 |
| - |
| - |
| Interest received | 32% | 51,140 | 38,733 | 29,885 | 24,088 | - | - |
| Income taxes paid (refund) | 16% | 5,282 | 4,555 | 3,566 | 2,339 | - | - |
| Other inflows/outflows of cash | -32.7% | 34 | 50 | 61 | 44 | - | - |
| Net Cashflows From Operating Activities | 6.2% | -50,995.46 | -54,337.69 | -27,331.01 | -23,794.56 | - | - |
| Proceeds from sales of PPE | -14.3% | 31 | 36 | 16 | 17 | - | - |
| Purchase of property, plant and equipment | -3% | 551 | 568 | 449 | 350 | - | - |
| Purchase of intangible assets | 15.7% | 479 | 414 | 376 | 247 | - | - |
| Dividends received | - | 11 | 0 | 0 | 0 | - | - |
| Interest received | -100.1% | 0 | 808 | 576 | 367 | - | - |
| Other inflows/outflows of cash | - | 2,951 | 0 | 0 | 4,419 | - | - |
| Net Cashflows From Investing Activities | 85.8% | -1,099.3 | -7,762.87 | -12,371.55 | 3,806 | - | - |
| Proceeds from issuing shares | -86.2% | 1,251 | 9,033 | 158 | 173 | - | - |
| Proceeds from exercise of stock options | -26.7% | 23 | 31 | 27 | 19 | - | - |
| Proceeds from borrowings | -2.6% | 77,903 | 79,942 | 64,906 | 28,711 | - | - |
| Repayments of borrowings | 11.5% | 25,153 | 22,558 | 25,736 | 10,966 | - | - |
| Payments of finance lease liabilities | - | - | 0 | 127 | 0 | - | - |
| Payments of lease liabilities | 26% | 195 | 155 | 0 | 94 | - | - |
| Dividends paid | 22.6% | 2,225 | 1,815 | 1,207 | 603 | - | - |
| Other inflows (outflows) of cash | - | 0 | 0 | 0 | 4,274 | - | - |
| Net Cashflows From Financing Activities | -20.3% | 51,604 | 64,774 | 38,021 | 21,515 | - | - |
| Net change in cash and cash eq. | -118.4% | -490.74 | 2,674 | -1,681.58 | 1,527 | - | - |
Analyst / Investor Meet • 13 Nov 2025 Transcript of Conference Call held in respect of the Financial Results for the quarter and half year ended 30 September 2025. |