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Bajaj Finance Limited BAJFINANCE NIFTY50NSEAIFINANCIAL

Financial Services · Credit Services · India
https://www.aboutbajajfinserv.com/finance-about-us
Company Profile ↓
₹1,060.50
+25.09% 1Y
Mkt Cap₹6.60 L Cr
P/E34.76
P/B5.88
Div. Yield0.47%
52W High₹1,158.80
52W Low₹796.65
Book Value₹183.21
EPS (TTM)₹30.51

Company Overview

Bajaj Finance Limited operates as a deposit-taking non-banking financial company in India. The company offers financing for various products, such as consumer electronics, furniture, digital products, lifestyle products, lifecare services, e-commerce purchases, retail spends, and two and three-wheelers; and personal, unsecured, home, secured, gold, and car loans. It also provides secured and unsecured loans to micro, small, and medium enterprises; loans against property, mutual funds, insurance policies, and shares; developer finance and lease rental discounting services; commercial vehicle financing; and new and used car financing, and tractor financing. In addition, the company offers commercial and rural lending; public and corporate deposits; loans against securities; micro-finance and auto financing lending; proprietary trading, ESOP financing, and broking and margin trade financing services. Further, it distributes life, health, and general insurance products. The company was formerly known as Bajaj Auto Finance Limited and changed its name to Bajaj Finance Limited in September 2010. The company was incorporated in 1987 and is based in Pune, India. Bajaj Finance Limited is a subsidiary of Bajaj Finserv Ltd.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 16.7%, reflecting efficient use of shareholder capital.

Consistent Profit Growth

Net profit has compounded at 18.2% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 22.6% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 38.3%.

Recent Developments

  • Mar 2026 Revenue of ₹49,665.45 Cr (+19.7% YoY); net profit ₹19,017.39 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +19.7%, earnings +14.3%.
  • 5-Year Trend Long-term compounding — revenue CAGR 22.6%, profit CAGR 18.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:22.58%
1 Year:19.73%

Compounded Profit Growth

5 Years:18.23%
1 Year:14.30%

Stock Price Performance

1 Year:+25.09%
6 Months:+12.29%
3 Months:+20.31%
1 Month:-7.36%

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

AI Exposure AI NBFC / AI-Driven Retail Credit
Core Focus

Bajaj Finance is the most AI-mature NBFC in India. Uses ML for alternative credit scoring (behaviour-based, e-commerce purchase data), instant loan approval (<2 minutes for existing customers), AI-powered collections optimisation, and dynamic pricing of EMI products. 'BFL AI Score' is a proprietary model for thin-file customers.

Key Initiatives
  • AI-first underwriting at scale Bajaj Finance runs one of India's most data-rich consumer-lending engines, using ML for instant credit decisions, risk-based pricing and fraud control across tens of millions of customers.
  • Bajaj app & AI cross-sell The consumer app uses AI-driven personalisation to cross-sell EMI cards, loans and insurance, deepening wallet share and lowering acquisition cost.
  • AI in collections & early-warning Predictive models flag stress early and optimise collections, a key driver of the company's best-in-class asset quality.
Why Investors Should Care
  • A data and AI compounder — scale of transactions continuously improves model accuracy and credit costs.
  • Sector-leading ~34% five-year profit CAGR and ROE ~18% reflect the AI-enabled underwriting edge.
  • Distribution + data network effects are hard for new fintechs to replicate.
  • Premium P/E ~30 reflects quality; growth must stay strong to sustain it.
AI InvestmentIT and digital spend ~₹2,500-3,000 Cr annually. In-house AI/ML team of 500+ data scientists. Bajaj Finserv app (BFL channel) uses AI recommendation engine for 30+ financial products.
AI RevenueAUM >₹3.5 lakh Cr (FY25), 98M+ customers. AI enables cross-sell of 6-8 products per customer vs industry average of 2-3. EMI card (100M+ cards) is data flywheel for AI. Revenue ~₹58,000 Cr (FY25).
ROI (Now)ROE ~22-24%, ROA ~4.5% — best in class. AI is core to this: NPA well-controlled (GNPA ~0.9%) due to AI underwriting. Collections AI reduced credit loss provisions. Opex-to-NII ratio declining due to AI automation.
ROI (Expected)BFL's data moat (98M customers, 120M+ app users) compounds AI advantage. Analysts model 20-22% EPS CAGR FY25-27. Rural expansion and new product launches (home loans, insurance) will leverage existing AI infrastructure — lower incremental cost.

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

  • Excellent profit margin of 38.3%.
  • Compounding revenue at 22.6% over 5 years.
  • Profit CAGR of 18.2% over 5 years.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

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

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Valuation

Stock P/E
34.76
Industry PE
19.62
Forward P/E
21.05
PEG Ratio
-
Book Value
₹183.21
Price to Book
5.88
P/S
14.37
EV/EBITDA
-
Dividend Yield
0.47%

Growth (CAGR)

Revenue 5Y
22.58%
Profit 5Y
18.23%
Revenue (YoY)
19.73%
Earnings (YoY)
14.30%

Profitability & Returns

ROCE
-
ROE
16.68%
ROA
3.40%
Profit Margin
38.29%
Op Margin
61.55%
Gross Margin
91.55%
EPS (Latest Qtr)
₹9.60
EPS (TTM)
₹30.51

Balance Sheet & Liquidity

Debt/Equity
3.10
Quick Ratio
-
Current Ratio
-
Debt
₹3.53 L Cr
Total Assets
₹5.60 L Cr
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
56.53%
Chg in Prom Hold
0.04%
FII / Inst Holding
27.04%
Chg in FII Hold
-0.02%

Financial Snapshot

Enterprise Value
₹6.60 L Cr
Total Revenue (TTM)
₹49,665.45 Cr
EBITDA
-
Free Cash Flow
₹-66,750.90 Cr
Operating Cash Flow
₹-65,789.80 Cr
Shares Outstanding
₹622.25 Cr
Gross Margin
91.55%
Payout Ratio
16.58%

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 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,060.50 34.76 ₹6.60 L Cr 0.47% - 16.68% 22.58% 18.23%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 712.10 15.57 ₹10.96 L Cr 1.77% - 8.63% 16.90% 12.47%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.20 19.03 ₹10.19 L Cr 0.82% - 14.93% 18.11% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,016.10 11.15 ₹9.38 L Cr 1.60% - 13.97% 12.19% 14.39%
5 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 415.35 9.14 ₹5.25 L Cr 2.58% - 32.53% 7.26% 16.86%
6 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 424.50 21.89 ₹4.22 L Cr 0.16% - 10.64% 13.48% 8.92%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,273.00 15.07 ₹3.96 L Cr 0.08% - 12.27% 12.16% 34.61%
8 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,970.00 32.30 ₹3.15 L Cr 0.06% - 12.58% 22.92% 15.16%
9 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 1,041.00 19.55 ₹1.96 L Cr 1.21% - 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 2026Jun 2026
Revenue 11,364.00 Cr12,498.00 Cr13,382.00 Cr14,164.00 Cr14,926.00 Cr16,100.00 Cr17,091.00 Cr-11,026.55 Cr11,692.08 Cr12,333.76 Cr12,866.54 Cr13,162.66 Cr14,170.89 Cr
Cost of Revenue --------------
Gross Profit --------------
Operating Expenses 3,382.00 Cr3,693.00 Cr3,931.00 Cr4,229.00 Cr4,420.00 Cr4,956.00 Cr5,338.00 Cr-3,221.45 Cr3,356.33 Cr3,460.18 Cr3,546.98 Cr3,755.51 Cr4,033.56 Cr
Operating Income --------------
EBITDA --------------
Interest Expense 3,592.00 Cr4,103.00 Cr4,537.00 Cr4,868.00 Cr5,217.00 Cr5,684.00 Cr6,149.00 Cr-6,550.94 Cr6,916.86 Cr7,011.28 Cr7,338.71 Cr7,398.28 Cr7,942.09 Cr
Pretax Income 4,261.00 Cr4,551.00 Cr4,758.00 Cr4,896.00 Cr5,105.00 Cr5,265.00 Cr5,401.00 Cr-5,647.38 Cr6,367.58 Cr6,608.13 Cr5,431.10 Cr7,409.84 Cr8,149.00 Cr
Tax Provision 1,107.86 Cr1,092.24 Cr1,189.50 Cr1,272.96 Cr1,276.25 Cr1,368.90 Cr1,404.26 Cr-1,101.81 Cr1,602.29 Cr1,660.37 Cr1,365.09 Cr1,856.54 Cr2,068.40 Cr
Net Income 3,158.00 Cr3,437.00 Cr3,551.00 Cr3,639.00 Cr3,825.00 Cr3,912.00 Cr4,014.00 Cr-4,479.57 Cr4,699.61 Cr4,875.36 Cr3,977.85 Cr5,464.57 Cr5,985.75 Cr
Diluted EPS 5.225.675.865.896.186.326.46-7.227.557.836.388.769.60

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue 5,392.00 Cr7,299.00 Cr9,970.00 Cr12,746.00 Cr18,487.00 Cr26,375.00 Cr26,673.00 Cr-26,966.90 Cr34,326.32 Cr41,479.57 Cr49,665.45 Cr
Cost of Revenue ------------
Gross Profit ------------
Operating Expenses 1,752.00 Cr2,354.00 Cr3,250.00 Cr4,115.00 Cr5,454.00 Cr9,159.00 Cr10,839.00 Cr-8,237.73 Cr10,381.15 Cr12,294.02 Cr14,099.85 Cr
Operating Income ------------
EBITDA ------------
Interest Expense 2,274.00 Cr2,959.00 Cr3,853.00 Cr4,696.00 Cr6,723.00 Cr9,608.00 Cr9,519.00 Cr-12,559.89 Cr18,724.69 Cr24,769.75 Cr28,665.95 Cr
Pretax Income 1,357.00 Cr1,965.00 Cr2,817.00 Cr3,843.00 Cr6,179.00 Cr7,322.00 Cr5,992.00 Cr-15,527.86 Cr19,309.57 Cr22,079.63 Cr25,816.65 Cr
Tax Provision 461.38 Cr687.75 Cr985.95 Cr1,345.05 Cr2,162.65 Cr2,050.16 Cr1,557.92 Cr-4,020.17 Cr4,858.40 Cr5,300.15 Cr6,484.29 Cr
Net Income 898.00 Cr1,279.00 Cr1,836.00 Cr2,496.00 Cr3,995.00 Cr5,264.00 Cr4,420.00 Cr-11,507.69 Cr14,451.17 Cr16,637.82 Cr19,017.39 Cr
Diluted EPS 1.792.373.344.326.918.757.3311.5818.9623.6026.8230.51

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets 32,780.00 Cr46,973.00 Cr63,731.00 Cr84,798.00 Cr1.24 L Cr1.64 L Cr1.71 L Cr-2.75 L Cr3.76 L Cr4.66 L Cr5.60 L Cr
Current Assets ------------
Cash & Equivalents --------2,733.25 Cr7,368.37 Cr6,541.48 Cr4,016.18 Cr
Inventory ------------
Receivables --------1,614.11 Cr2,288.13 Cr3,942.31 Cr5,847.36 Cr
Total Liabilities --------2.21 L Cr2.99 L Cr3.67 L Cr4.43 L Cr
Current Liabilities ------------
Long Term Debt ------------
Total Debt --------1.64 L Cr2.18 L Cr2.75 L Cr3.53 L Cr
Total Equity 4,800.00 Cr7,427.00 Cr9,600.00 Cr15,848.00 Cr19,697.00 Cr32,328.00 Cr36,918.00 Cr-54,371.98 Cr76,695.35 Cr96,692.87 Cr1.14 L Cr
Shares Outstanding --------605.43 Cr619.00 Cr621.43 Cr622.25 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow -7,064.00 Cr-9,870.00 Cr-10,439.00 Cr-20,566.00 Cr-29,062.00 Cr-24,412.00 Cr-807.00 Cr--42,111.79 Cr-69,843.31 Cr-67,791.64 Cr-65,789.80 Cr
Investing Cash Flow -360.00 Cr-687.00 Cr-3,047.00 Cr1,075.00 Cr-5,379.00 Cr-8,758.00 Cr-429.00 Cr--10,393.91 Cr-10,088.01 Cr-2,765.02 Cr-3,388.63 Cr
Financing Cash Flow 6,867.00 Cr11,656.00 Cr12,513.00 Cr19,503.00 Cr34,449.00 Cr34,167.00 Cr1,741.00 Cr-50,675.01 Cr82,415.08 Cr70,164.61 Cr67,432.87 Cr
Capital Expenditure -65.00 Cr-94.00 Cr-148.00 Cr-134.00 Cr-366.00 Cr-500.00 Cr-298.00 Cr--878.32 Cr-1,037.78 Cr-1,081.82 Cr-961.10 Cr
Free Cash Flow -7,129.00 Cr-9,964.00 Cr-10,587.00 Cr-20,700.00 Cr-29,428.00 Cr-24,912.00 Cr-1,105.00 Cr--42,990.11 Cr-70,881.09 Cr-68,873.46 Cr-66,750.90 Cr
Net Change in Cash -557.00 Cr1,100.00 Cr-972.00 Cr13.00 Cr9.00 Cr998.00 Cr505.00 Cr--1,830.69 Cr2,483.76 Cr-392.05 Cr-1,745.56 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % ------------
Operating Margin % ------------
Net Margin % 16.7%17.5%18.4%19.6%21.6%20.0%16.6%-42.7%42.1%40.1%38.3%
ROE % 18.7%17.2%19.1%15.7%20.3%16.3%12.0%-21.2%18.8%17.2%16.7%
ROCE % ------------

Shareholding Pattern

Insiders
56.53%
Institutions
27.04%
Public Float
62.19%

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for BAJFINANCE

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BAJFINANCE — Frequently Asked Questions

What is the current share price of Bajaj Finance Limited (BAJFINANCE)?

As of 2026-09-08 04:53 IST, Bajaj Finance Limited (BAJFINANCE) trades at ₹1,060.50 on NSE. Its 52-week range is ₹796.65 to ₹1,158.80.

What is the market capitalisation of BAJFINANCE?

Bajaj Finance Limited (BAJFINANCE) has a market capitalisation of ₹6.60 L Cr on NSE.

What is the P/E ratio of BAJFINANCE?

BAJFINANCE trades at a trailing price-to-earnings (P/E) ratio of 34.76. The industry average P/E is 19.62. Its price-to-book (P/B) ratio is 5.88.

Does BAJFINANCE pay a dividend?

Bajaj Finance Limited (BAJFINANCE) currently offers a dividend yield of 0.47%.

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

BAJFINANCE has a return on equity (ROE) of 16.68%.

Is BAJFINANCE a good stock to buy?

This page provides a data-driven analysis of Bajaj Finance Limited (BAJFINANCE), 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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