Bajaj Finance Ltd’s fundamental analysis highlights key financial metrics including market capitalisation of ₹407,999 crore, PE ratio of 28.23, debt-to-equity ratio of 382.48, and return on equity of 22.05%. These figures reflect the company’s financial health and current market valuation.
Content:
- Bajaj Finance Ltd Overview
- Bajaj Finance Financial Results
- Bajaj Finance Financial Analysis
- Bajaj Finance Company Metrics
- Bajaj Finance Stock Performance
- Bajaj Finance Peer Comparison
- Bajaj Finance Shareholding Pattern
- Bajaj Finance History
- How To Invest In Bajaj Finance Ltd Share?
- Bajaj Finance Limited Fundamental Analysis – FAQs
Bajaj Finance Ltd Overview
Bajaj Finance Ltd is a leading non-banking financial company (NBFC) in India. It operates in the financial services sector, offering a wide range of lending products and accepting deposits from retail, SME, and commercial customers across urban and rural India.
The company has a market capitalization of ₹407,999 crore and is listed on both the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE). Currently, the stock is trading 24.18% below its 52-week high and 6.61% above its 52-week low.
Bajaj Finance Financial Results
Bajaj Finance Ltd showed significant financial growth from FY 22 to FY 24, with sales increasing from ₹33,145 Crores to ₹44,870 Crores and net profit rising from ₹6,166 Crores to ₹7,708 Crores. The company maintained strong profitability and improved EPS over the years.
1. Revenue Trend: Sales increased from ₹33,145 Crores in FY 22 to ₹36,455 Crores in FY 23, and further to ₹44,870 Crores in FY 24, indicating robust revenue growth.
2. Equity and Liabilities: Detailed equity and liabilities aren’t provided, but the table shows an increase in interest expenses from ₹8.66 Crores in FY 22 to ₹60.36 Crores in FY 24, suggesting increased liabilities or borrowing.
3. Profitability: Operating Profit Margin (OPM) improved from 16% in FY 22 to 18% in FY 23, and further to 20% in FY 24, reflecting enhanced operational efficiency.
4. Earnings per Share (EPS): EPS slightly decreased from ₹213.2 in FY 22 to ₹212.5 in FY 23, but then significantly increased to ₹272.7 in FY 24, indicating strong profit growth per share.
5. Return on Net Worth (RoNW): While RoNW isn’t directly mentioned, the increasing net profit from ₹6,166 Crores in FY 22 to ₹7,708 Crores in FY 24 suggests a positive impact on RoNW, indicating better returns on shareholders’ equity.
6. Financial Position: The company’s financial position strengthened with EBITDA increasing from ₹6,534 Crores in FY 22 to ₹10,198 Crores in FY 24, despite rising interest and depreciation expenses, showcasing robust financial health and management.
Bajaj Finance Financial Analysis
| FY 24 | FY 23 | FY 22 | |
| Sales Insight-icon | 44870 | 36455 | 33145 |
| Expenses | 36109 | 30005 | 27895 |
| Operating Profit | 8762 | 6451 | 5250 |
| OPM % | 20 | 18 | 16 |
| Other Income | 1436 | 1188 | 2101 |
| EBITDA | 10198 | 7638 | 6534 |
| Interest | 60.36 | 39.51 | 8.66 |
| Depreciation | 364.77 | 285.85 | 269.76 |
| Profit Before Tax | 9772 | 7313 | 7072 |
| Tax % | 23.86 | 24.37 | 21.01 |
| Net Profit Insight-icon | 7708 | 6060 | 6166 |
| EPS | 272.7 | 212.5 | 213.2 |
| Dividend Payout % | 29.34 | 65.88 | 65.67 |
* Consolidated Figures in Rs. Crores
Bajaj Finance Company Metrics
Bajaj Finance Ltd’s market capitalization is ₹407,999 crore. The book value per share is ₹1234, and the face value is ₹2. It has an asset turnover ratio of 0.17 and total debt of ₹293,345.83 crore. The ROE is 22.05%, EBITDA (Q) is ₹5,465.16 crore, and the dividend yield is 0.55%.
Market Capitalization: Market Capitalization represents the total market value of Bajaj Finance’s outstanding shares, amounting to ₹407,999 crore.
Book Value: The book value per share of Bajaj Finance Ltd is ₹1234 indicating the value of the company’s net assets divided by its shares outstanding.
Face Value: The face value of Bajaj Finance’s shares is ₹2, which is the nominal value of each share as stated on the share certificate.
Asset Turnover Ratio: The Asset Turnover Ratio of 0.17 measures how efficiently Bajaj Finance uses its assets to generate sales revenue or sales income.
Total Debt: The Total Debt of Bajaj Finance Ltd stands at ₹293,345.83 crore, representing the total amount of money the company owes to creditors.
Return on Equity (ROE): The ROE of 22.05% measures Bajaj Finance Ltd’s profitability by revealing how much profit the company generates with the money shareholders have invested.
EBITDA (Q): The quarterly EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) of Bajaj Finance is ₹5,465.16 crore, indicating the company’s operating performance.
Dividend Yield: The dividend yield of 0.55% shows the annual dividend payment as a percentage of Bajaj Finance’s current share price, indicating the return on investment from dividends alone.
Bajaj Finance Stock Performance
Bajaj Finance Ltd experienced varied returns with -8.2% in one year, 1.65% over three years, and 14.4% over five years, indicating fluctuating performance. Despite the recent dip, the overall long-term returns highlight potential growth for investors willing to stay invested over extended periods.
| Period | Return on Investment (%) |
| 1 Year | -8.2 |
| 3 Years | 1.65 |
| 5 Years | 14.4 |
Example: If an investor had invested ₹1,000 in Bajaj Finance Ltd stock:
1 year ago, their investment would be worth ₹918.
3 years ago, their investment would have grown to ₹1,016.50.
5 years ago, their investment would have increased to approximately ₹1,144.
Bajaj Finance Peer Comparison
Bajaj Finance Ltd, with a CMP of ₹6538.35 and a P/E ratio of 27.12, has a market cap of ₹404,816.57 Cr and a one-year return of -8.2%. In contrast, Shriram Finance delivered a 52.94% return, while HDFC AMC achieved 62.56%, showcasing varying performances among peers.
| Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | 1Yr return % | Vol 1d | 1mth return % | From 52w high | Down % | 6mth return % |
| Bajaj Finance | 6538.35 | 27.12 | 404816.6 | -8.2 | 949601 | -8.4 | 0.8 | 20.19 | -0.57 |
| Bajaj Finserv | 1564.1 | 29.94 | 249797.7 | 3.69 | 1976743 | -0.98 | 0.9 | 10.2 | -41.00% |
| Jio Financial | 311.35 | 124.8 | 197840.7 | 13625337 | -11.74 | 0.79 | 21.12 | 1847.00% | |
| Cholaman.Inv.&Fn | 1335.35 | 30.7 | 112280.8 | 25.04 | 1047718 | -6.72 | 0.9 | 9.59 | 1781.00% |
| Shriram Finance | 2836.8 | 14.1 | 106673.7 | 52.94 | 1196092 | -1.01 | 0.93 | 7.28 | 2082.00% |
| Bajaj Holdings | 9189.95 | 13.71 | 102271.6 | 23.15 | 30647 | -4.94 | 0.91 | 8.83 | 595% |
| HDFC AMC | 3984.1 | 41.05 | 85060.23 | 62.56 | 755772 | -5.92 | 0.93 | 7.27 | 9.35 |
Bajaj Finance Shareholding Pattern
Bajaj Finance Ltd’s shareholding pattern saw minor changes from December 2023 to June 2024. Promoter holdings remained stable at 54.7%. FII holdings slightly increased from 17.56% to 17.77%, while DII holdings slightly decreased from 17.44% to 17.63%. Retail and others’ shares decreased from 10.22% to 9.91%.
| Jun-24 | Mar-24 | Dec-23 | |
| Promoters | 54.7 | 54.69 | 55 |
| FII | 17.77 | 17.14 | 17.56 |
| DII | 17.63 | 17.81 | 17.44 |
| Retail & others | 9.91 | 10.35 | 10.22 |
Bajaj Finance History
Bajaj Finance Ltd. is a prominent non-banking financial company (NBFC) in India, specializing in lending and accepting deposits. The company has established a diversified lending portfolio catering to retail, small and medium enterprises (SMEs), and commercial customers. With a strong presence in both urban and rural India, Bajaj Finance offers a wide range of financial products and services.
The company’s product categories span across various segments, including consumer finance, personal loans, public and corporate deposits, rural lending, and SME lending. In the consumer finance sector, Bajaj Finance offers products such as durable finance, lifestyle finance, digital product finance, EMI cards, and two and three-wheeler finance. Additionally, they provide personal loans, loans against fixed deposits, gold loans, and home loans.
Bajaj Finance has also ventured into commercial lending, offering short-term credit to established businesses. Their rural lending products include gold loans and loans against vehicles. The company’s diverse product portfolio, coupled with its partnerships and services, positions it as a comprehensive financial solutions provider catering to a wide range of customer needs across different market segments.
How To Invest In Bajaj Finance Ltd Share?
To invest in Bajaj Finance Ltd shares, begin by opening a demat account with Alice Blue. Complete the necessary KYC process and fund your account with the desired investment amount.
Research the company’s fundamentals, financial performance, and market trends before making an investment decision. Use the trading platform provided by the broker to place a buy order for Bajaj Finance shares at your preferred price.
Monitor your investment regularly and stay informed about company news and market developments. Consider setting up a systematic investment plan (SIP) for long-term investing in the stock if it aligns with your financial goals.
Bajaj Finance Limited Fundamental Analysis – FAQs
Fundamental analysis of Bajaj Finance examines key financial metrics: Market Cap (₹407,999 crore), PE Ratio (28.23), Debt to Equity (382.48), and Return on Equity (22.05%). These indicators provide insights into the company’s financial health, market valuation, and overall performance in the NBFC sector.
The market capitalization of Bajaj Finance Ltd is ₹407,999 crore. This figure represents the total value of the company’s outstanding shares in the stock market, calculated by multiplying the current share price by the total number of shares outstanding.
Bajaj Finance Limited is a leading non-banking financial company (NBFC) in India. It specializes in lending and accepting deposits, offering a diverse range of financial products and services to retail, SME, and commercial customers. The company operates across urban and rural India.
Bajaj Finance is a public limited company and doesn’t have a single owner. It is part of the Bajaj Group, with the Bajaj family being significant promoters. However, as a listed company, it has multiple shareholders including institutional investors, public shareholders, and promoter entities.
The main shareholders of Bajaj Finance typically include the Bajaj Group (promoter entities), institutional investors (both domestic and foreign), mutual funds, and public shareholders. For the most current and accurate information on major shareholders, refer to the latest shareholding pattern disclosed by the company.
Bajaj Finance operates in the financial services industry, specifically as a non-banking financial company (NBFC). It focuses on providing a wide range of lending products, accepting deposits, and offering financial services to retail, SME, and commercial customers across India.
To invest in Bajaj Finance shares, open a demat account with Alice Blue. Complete the KYC process and fund your account. Research the company thoroughly, then use the trading platform to place a buy order for the desired number of shares at your preferred price.
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