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Bajaj Finserv Ltd. BAJAJFINSV NIFTY50NSEAIFINANCIAL

Financial Services · Financial Conglomerates · India
https://www.bajajfinserv.in
Company Profile ↓
₹1,887.10
-7.39% 1Y
Mkt Cap₹3.02 L Cr
P/E34.31
P/B3.91
Div. Yield0.07%
52W High₹2,174.74
52W Low₹1,630.41
Book Value₹486.80
EPS (TTM)₹55.00

Company Overview

Bajaj Finserv Ltd., through its subsidiaries, provides financial services in India. The company operates through Life Insurance, General Insurance, Windmill, Retail Financing, and Investments and Others segments. It offers personal, business, home, home renovation, commercial, car, and gold loans; two- and three-wheeler loans; mortgages; education loans; unsecured and secured loans to small and medium-sized enterprises and professionals, as well as micro, small and medium enterprises; loans against properties, securities, car, mutual funds, bonds, and insurance policy; financing for products, such as consumer electronics, digital, lifecare, furniture, etc.; developer financing; and lease rental discounting products. The company also provides investment products, including fixed deposits, systematic deposit plans, and mutual funds; savings products; life, health, motor, fire, engineering, liabilities, marine, crop, car, two-wheeler, pet, home, travel, and personal accident insurance products; wealth management and retirement planning services; healthcare services comprising wellness, outpatient, and inpatient services; and wallets and credit cards. In addition, it offers pocket subscription plans; bill and recharge services; digital technology services; and trading and demat account, stock broking, margin trading, and HNI and retail broking services, as well as gold loans. Further, the company owns and operates 138 windmills with total installed capacity of 65.2 megawatts. Bajaj Finserv Ltd. was incorporated in 2007 and is based in Pune, India.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 15.2% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 22.9% CAGR over the past five years.

Healthy Margins

Operating margin of 40.2% supports profitability.

Recent Developments

  • Mar 2026 Revenue of ₹1.37 L Cr (+13.6% YoY); net profit ₹9,800.97 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +13.6%, earnings +10.5%.
  • 5-Year Trend Long-term compounding — revenue CAGR 22.9%, profit CAGR 15.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:22.92%
1 Year:13.63%

Compounded Profit Growth

5 Years:15.16%
1 Year:10.47%

Stock Price Performance

1 Year:-7.39%
6 Months:-5.20%
3 Months:+3.21%
1 Month:+7.91%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

AI Exposure AI Financial Services / AI Ecosystem
Core Focus

Bajaj Finserv is the holding entity for Bajaj Finance + Bajaj Allianz (General & Life Insurance). AI is deployed across insurance underwriting (telematics-based motor insurance pricing), health insurance claim scrutiny (AI fraud detection), and Bajaj Finserv App (AI-personalised financial product marketplace for 70M+ users).

Key Initiatives
  • AI across the Bajaj financial ecosystem As the holding company for Bajaj Finance and Bajaj Allianz, Bajaj Finserv deploys AI in lending underwriting, insurance pricing and claims, and customer acquisition across a vast franchise.
  • Data-driven cross-sell engine Machine-learning models mine a large customer base to cross-sell loans, insurance and investments, raising lifetime value per customer.
  • AI in insurance underwriting & claims Bajaj Allianz uses AI for risk pricing, fraud detection and faster claims settlement, improving combined ratios.
Why Investors Should Care
  • Diversified AI exposure across lending and insurance through one holding company.
  • Operating leverage from AI-driven cross-sell on a large, growing customer base (~16% five-year revenue CAGR).
  • Holding-company structure means value depends on the underlying franchises executing on AI.
  • Strong franchise quality supports a premium P/E ~27.
AI InvestmentGroup-level digital and AI investment part of Bajaj Finance's spend + Allianz insurance AI. Bajaj Finserv Health (AI-powered preventive health) expanding. Fintech investments include Pennant (AI lending platform).
AI RevenueConsolidated revenue ~₹1.2 lakh Cr. Insurance premium growth 15%+; AI in underwriting reducing loss ratios. App marketplace driving direct-to-consumer insurance sales, cutting distribution cost.
ROI (Now)ROE ~14-16% at holdco level. Insurance combined ratio improving with AI fraud detection. BFL's AI ROI (per above) flows through as the dominant subsidiary. Digital insurance renewal rates >85%.
ROI (Expected)Bajaj Finserv App as AI super-app for financial services is the key thesis — 70M users, 30+ products, AI cross-sell engine. Analysts see 18-20% EPS CAGR as digital insurance and health AI scale.

Curated from public filings and analyst commentary; figures are illustrative.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Compounding revenue at 22.9% over 5 years.
  • Profit CAGR of 15.2% over 5 years.

CONS

  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
34.31
Industry PE
19.87
Forward P/E
20.39
PEG Ratio
-
Book Value
₹486.80
Price to Book
3.91
P/S
2.04
EV/EBITDA
12.53
Dividend Yield
0.07%

Growth (CAGR)

Revenue 5Y
22.92%
Profit 5Y
15.16%
Revenue (YoY)
13.63%
Earnings (YoY)
10.47%

Profitability & Returns

ROCE
-
ROE
12.58%
ROA
1.29%
Profit Margin
7.15%
Op Margin
40.19%
Gross Margin
51.75%
EPS (Latest Qtr)
₹15.80
EPS (TTM)
₹55.00

Balance Sheet & Liquidity

Debt/Equity
4.64
Quick Ratio
2.44
Current Ratio
2.65
Debt
₹3.61 L Cr
Total Assets
₹7.58 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
63.93%
Chg in Prom Hold
5.21%
FII / Inst Holding
15.53%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
₹3.02 L Cr
Total Revenue (TTM)
₹1.37 L Cr
EBITDA
₹19,641.00 Cr
Free Cash Flow
₹-56,749.59 Cr
Operating Cash Flow
₹-55,301.41 Cr
Shares Outstanding
₹160.05 Cr
Gross Margin
51.75%
Payout Ratio
1.64%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 1,044.20 19.61 ₹1.96 L Cr 1.32% - 15.21% 13.92% 18.59%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Revenue 23,625.00 Cr23,280.00 Cr26,023.00 Cr29,038.00 Cr32,041.00 Cr31,480.00 Cr33,704.00 Cr-31,120.31 Cr30,230.91 Cr31,564.28 Cr32,619.45 Cr33,482.55 Cr
Cost of Revenue -------------
Gross Profit -------------
Operating Expenses 15,470.00 Cr13,935.00 Cr16,073.00 Cr18,601.00 Cr21,108.00 Cr19,655.00 Cr21,420.00 Cr------
Operating Income 7,973.00 Cr9,143.00 Cr9,741.00 Cr10,206.00 Cr10,676.00 Cr11,558.00 Cr12,008.00 Cr-12,398.11 Cr14,010.14 Cr13,726.46 Cr13,158.73 Cr14,219.00 Cr
EBITDA 8,154.00 Cr9,345.00 Cr9,950.00 Cr10,438.00 Cr10,933.00 Cr11,825.00 Cr12,283.00 Cr------
Interest Expense 3,436.00 Cr4,020.00 Cr4,449.00 Cr4,777.00 Cr5,154.00 Cr5,592.00 Cr6,046.00 Cr-6,395.79 Cr6,807.10 Cr6,901.33 Cr7,232.45 Cr7,290.90 Cr
Pretax Income 4,540.00 Cr5,125.00 Cr5,292.00 Cr5,431.00 Cr5,527.00 Cr5,968.00 Cr5,966.00 Cr-6,002.32 Cr7,203.04 Cr6,825.13 Cr5,926.28 Cr6,928.10 Cr
Tax Provision 1,225.80 Cr1,435.00 Cr1,534.68 Cr1,412.06 Cr1,437.02 Cr1,730.72 Cr1,789.80 Cr-1,246.00 Cr1,874.47 Cr2,078.66 Cr1,558.71 Cr1,701.84 Cr
Net Income 3,335.00 Cr3,709.00 Cr3,756.00 Cr4,045.00 Cr4,085.00 Cr4,209.00 Cr4,180.00 Cr-2,415.64 Cr2,789.05 Cr2,244.10 Cr2,229.15 Cr2,538.67 Cr
Diluted EPS 11.1112.2012.0913.5213.2813.3913.07-15.0017.3013.9013.8015.80

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 11,335.00 Cr20,533.00 Cr24,507.00 Cr32,862.00 Cr42,605.00 Cr54,351.00 Cr60,592.00 Cr-73,845.92 Cr99,880.07 Cr1.21 L Cr1.37 L Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 5,823.00 Cr13,795.00 Cr15,794.00 Cr22,074.00 Cr27,569.00 Cr36,094.00 Cr40,950.00 Cr-----
Operating Income 5,473.00 Cr6,681.00 Cr8,640.00 Cr10,628.00 Cr14,811.00 Cr17,801.00 Cr19,143.00 Cr-29,012.55 Cr39,774.54 Cr48,057.91 Cr55,114.93 Cr
EBITDA 5,511.00 Cr6,739.00 Cr8,713.00 Cr10,788.00 Cr15,037.00 Cr18,258.00 Cr19,641.00 Cr-----
Interest Expense 2,230.00 Cr2,877.00 Cr3,716.00 Cr4,531.00 Cr6,657.00 Cr9,500.00 Cr9,274.00 Cr-12,201.42 Cr18,399.51 Cr24,309.70 Cr28,231.78 Cr
Pretax Income 3,251.00 Cr3,804.00 Cr4,925.00 Cr6,099.00 Cr8,155.00 Cr8,302.00 Cr9,862.00 Cr-16,811.13 Cr21,375.03 Cr23,748.21 Cr26,883.15 Cr
Tax Provision 845.26 Cr1,027.08 Cr1,477.50 Cr1,951.68 Cr2,772.70 Cr2,324.56 Cr2,465.50 Cr-4,601.59 Cr5,779.67 Cr6,190.57 Cr7,213.68 Cr
Net Income 2,409.00 Cr2,775.00 Cr3,450.00 Cr4,176.00 Cr5,374.00 Cr5,994.00 Cr7,367.00 Cr-6,417.28 Cr8,147.79 Cr8,872.31 Cr9,800.97 Cr
Diluted EPS 10.6211.7114.2116.6520.2321.1728.0928.6040.0050.7055.00-

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 88,228.00 Cr1.04 L Cr1.29 L Cr1.62 L Cr2.08 L Cr2.51 L Cr2.80 L Cr-4.06 L Cr5.38 L Cr6.52 L Cr7.58 L Cr
Current Assets ------------
Cash & Equivalents --------2,593.62 Cr5,765.02 Cr5,762.45 Cr3,598.59 Cr
Inventory ------------
Receivables --------3,458.64 Cr5,973.86 Cr8,319.35 Cr9,332.08 Cr
Total Liabilities --------3.28 L Cr4.34 L Cr5.24 L Cr6.18 L Cr
Current Liabilities ------------
Long Term Debt --------1.54 L Cr2.02 L Cr2.52 L Cr3.21 L Cr
Total Debt 26,312.00 Cr36,062.00 Cr48,282.00 Cr65,695.00 Cr99,754.00 Cr1.27 L Cr1.28 L Cr-1.68 L Cr2.29 L Cr2.84 L Cr3.61 L Cr
Total Equity 11,089.00 Cr13,599.00 Cr16,151.00 Cr20,483.00 Cr23,740.00 Cr31,302.00 Cr35,830.00 Cr-46,407.34 Cr60,328.62 Cr72,395.31 Cr77,915.07 Cr
Shares Outstanding --------159.28 Cr159.55 Cr159.67 Cr160.05 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -10,731.00 Cr-9,795.00 Cr-10,922.00 Cr-19,580.00 Cr-27,076.00 Cr-23,369.00 Cr4,547.00 Cr--39,479.54 Cr-65,502.04 Cr-61,750.42 Cr-55,301.41 Cr
Investing Cash Flow 3,709.00 Cr-886.00 Cr151.00 Cr-922.00 Cr-6,903.00 Cr-9,948.00 Cr-3,684.00 Cr--13,945.21 Cr-14,131.71 Cr-7,986.54 Cr-12,634.87 Cr
Financing Cash Flow 6,839.00 Cr11,602.00 Cr12,513.00 Cr19,590.00 Cr34,535.00 Cr34,479.00 Cr1,687.00 Cr-51,016.06 Cr82,708.61 Cr69,828.48 Cr66,610.32 Cr
Capital Expenditure 000-303.00 Cr-570.00 Cr-870.00 Cr-451.00 Cr--1,220.49 Cr-1,435.46 Cr-1,863.57 Cr-1,448.18 Cr
Free Cash Flow -10,731.00 Cr-9,795.00 Cr-10,922.00 Cr-19,883.00 Cr-27,646.00 Cr-24,239.00 Cr4,096.00 Cr--40,700.03 Cr-66,937.50 Cr-63,613.99 Cr-56,749.59 Cr
Net Change in Cash -183.00 Cr921.00 Cr1,742.00 Cr-911.00 Cr555.00 Cr1,162.00 Cr2,551.00 Cr--2,408.69 Cr3,074.86 Cr91.52 Cr-1,325.96 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % 48.3%32.5%35.3%32.3%34.8%32.8%31.6%-39.3%39.8%39.8%40.2%
Net Margin % 21.3%13.5%14.1%12.7%12.6%11.0%12.2%-8.7%8.2%7.4%7.1%
ROE % 21.7%20.4%21.4%20.4%22.6%19.1%20.6%-13.8%13.5%12.3%12.6%
ROCE % ------------

Shareholding Pattern

Insiders
63.93%
Institutions
15.53%
Public Float
43.06%

Analyst View

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Latest News

Recent headlines for BAJAJFINSV

Google News hu, 25 Jun 2026

BAJAJFINSV Forecast — Price Target — Prediction for 2027 - TradingView

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Google News ue, 06 Jan 2026

Investor Optimism Abounds Bajaj Finserv Ltd. (NSE:BAJAJFINSV) But Growth Is Lacking - simplywall.st

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Google News Fri, 03 Jul 2026

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Google News Sat, 03 Jan 2026

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Google News Wed, 10 Dec 2025

Public companies account for 41% of Bajaj Finserv Ltd.'s (NSE:BAJAJFINSV) ownership, while private companies account for 20% - simplywall.st

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BAJAJFINSV — Frequently Asked Questions

What is the current share price of Bajaj Finserv Ltd. (BAJAJFINSV)?

As of 2026-07-16 05:21 IST, Bajaj Finserv Ltd. (BAJAJFINSV) trades at ₹1,887.10 on NSE. Its 52-week range is ₹1,630.41 to ₹2,174.74.

What is the market capitalisation of BAJAJFINSV?

Bajaj Finserv Ltd. (BAJAJFINSV) has a market capitalisation of ₹3.02 L Cr on NSE.

What is the P/E ratio of BAJAJFINSV?

BAJAJFINSV trades at a trailing price-to-earnings (P/E) ratio of 34.31. The industry average P/E is 19.87. Its price-to-book (P/B) ratio is 3.91.

Does BAJAJFINSV pay a dividend?

Bajaj Finserv Ltd. (BAJAJFINSV) currently offers a dividend yield of 0.07%.

What is the return on equity (ROE) of BAJAJFINSV?

BAJAJFINSV has a return on equity (ROE) of 12.58%.

Is BAJAJFINSV a good stock to buy?

This page provides a data-driven analysis of Bajaj Finserv Ltd. (BAJAJFINSV), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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