Bajaj Finance

Market Cap (₹ Cr.)

₹4,34,455

52 Week High

7,830.00

Book Value

₹1,234

52 Week Low

6,187.80

PE Ratio

28.26

PB Ratio

5.01

PE for Sector

34.30

PB for Sector

2.69

ROE

18.84 %

ROCE

11.14 %

Dividend Yield

0.51 %

EPS

₹241.14

Industry

Finance

Sector

Finance & Investments

Investment Returns

In Long Term

In Short Term

1 Year

0.00%

2 Years

0.00%

3 Years

0.00%

4 Years

0.00%

5 Years

0.00%

Growth Rate

Revenue Growth

32.75 %

Net Income Growth

25.58 %

Cash Flow Change

-72.78 %

ROE

-10.97 %

ROCE

0.52 %

EBITDA Margin (Avg.)

2.06 %

Financial Results

Quarterly Financials	Mar 2015	Jun 2015	Sept 2015	Dec 2015	Mar 2016	Jun 2016	Sept 2016	Dec 2016	Mar 2017	Jun 2017	Sept 2017	Dec 2017	Mar 2018	Jun 2018	Sept 2018	Dec 2018	Mar 2019	Jun 2019	Sept 2019	Dec 2019	Mar 2020	Jun 2020	Sept 2020	Dec 2020	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Revenue	1,445	1,656	1,701	2,070	1,943	2,282	2,341	2,700	2,670	2,827	3,058	3,348	3,425	3,792	4,061	4,665	4,883	5,304	5,698	6,316	6,515	5,902	5,787	5,848	6,010	5,917	6,809	7,530	7,619	8,148	8,606	9,215	9,719	10,666	11,410	12,105	12,764	13,726	17,036
Expenses	479	545	565	680	631	731	741	852	977	1,026	975	1,088	1,063	1,177	1,174	1,463	1,474	1,707	1,822	2,196	3,173	2,656	2,666	2,482	2,631	2,921	3,064	2,859	2,510	2,863	2,951	3,111	3,153	3,505	3,723	4,033	4,158	4,736	5,105
EBITDA	966	1,111	1,135	1,390	1,312	1,551	1,600	1,848	1,693	1,801	2,083	2,260	2,362	2,615	2,887	3,201	3,409	3,598	3,876	4,121	3,342	3,246	3,121	3,365	3,380	2,996	3,745	4,671	5,109	5,285	5,656	6,104	6,566	7,161	7,687	8,072	8,606	8,990	11,931
Operating Profit %	65 %	65 %	64 %	66 %	65 %	68 %	68 %	68 %	63 %	64 %	68 %	67 %	69 %	69 %	71 %	69 %	70 %	68 %	68 %	65 %	51 %	55 %	54 %	57 %	56 %	50 %	54 %	60 %	66 %	64 %	65 %	65 %	67 %	66 %	67 %	66 %	67 %	65 %	64 %
Depreciation	10	12	13	15	17	16	18	18	20	22	24	27	29	29	32	38	39	56	64	70	81	77	67	73	85	82	88	89	96	102	111	108	123	143	145	162	179	186	196
Interest	612	677	695	749	806	883	956	980	984	1,073	1,141	1,166	1,194	1,290	1,426	1,579	1,644	1,797	1,952	2,052	2,056	1,985	1,868	1,870	1,723	1,764	1,889	1,972	1,954	2,006	2,210	2,455	2,614	3,013	3,351	3,618	3,861	4,202	4,544
Profit Before Tax	345	422	428	625	489	652	626	850	690	706	918	1,067	1,139	1,296	1,429	1,585	1,726	1,744	1,860	1,999	1,205	1,184	1,186	1,422	1,572	1,149	1,768	2,610	3,059	3,176	3,335	3,540	3,830	4,005	4,191	4,291	4,566	4,602	7,191
Tax	114	147	149	217	174	254	239	289	289	332	39	742	315	414	476	557	596	778	287	535	480	707	572	35	167	555	377	559	752	813	874	925	981	1,130	1,069	1,097	1,141	1,405	1,527
Net Profit	231	276	279	408	315	424	408	556	449	456	594	692	743	834	920	1,023	1,114	1,125	1,377	1,488	892	870	877	1,049	1,161	843	1,306	1,934	2,268	2,356	2,472	2,624	2,837	2,959	3,106	3,177	3,402	3,402	5,614
EPS in ₹	46.28	54.34	5.24	76.41	58.87	7.91	7.60	10.27	8.22	8.34	10.73	12.03	12.92	14.49	15.97	17.74	19.31	19.49	23.83	25.19	14.86	14.49	14.60	17.45	19.31	14.00	21.67	32.08	37.60	39.04	40.94	43.43	46.95	48.93	51.32	51.89	55.07	55.03	90.76

Show % Change

Above figures are in Rs. Crores

Balance Sheet

Balance Sheet	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Total Assets	32,780	46,973	63,730	81,615	1,08,500	1,38,004	1,38,284	1,68,017	2,16,525	2,96,614
Fixed Assets	249	287	361	465	654	1,228	1,227	1,598	2,147	3,060
Current Assets	13,935	21,043	29,822	1,201	1,633	2,372	2,827	4,829	5,544	12,097
Capital Work in Progress	0	0	0	0	0	0	51	33	80	43
Investments	157	549	2,984	3,653	10,370	20,139	20,169	16,372	28,738	37,153
Other Assets	32,373	46,137	60,385	77,497	97,475	1,16,637	1,16,837	1,50,014	1,85,561	2,56,358
Total Liabilities	27,980	39,546	54,130	65,798	88,936	1,06,191	1,02,345	1,25,961	1,65,032	2,24,604
Current Liabilities	9,419	13,569	19,444	8,766	11,492	6,579	8,592	10,388	15,627	25,391
Non Current Liabilities	18,562	25,977	34,686	57,033	77,444	99,612	93,752	1,15,573	1,49,405	1,99,212
Total Equity	4,800	7,427	9,600	15,817	19,564	31,813	35,939	42,056	51,493	72,011
Reserve & Surplus	4,750	7,373	9,491	15,702	19,448	31,693	35,818	41,935	51,372	71,887
Share Capital	50	54	109	115	115	120	120	121	121	124

Show % Change

Above figures are in Rs. Crores

Cash Flow

Cash Flow	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Net Cash Flow	-559	1,099	-972	-97	13	435	697	1,501	-1,682	2,674
Investing Activities	-365	-686	-3,048	505	-6,638	-9,633	424	3,806	-12,400	-7,763
Operating Activities	-7,147	-9,871	-10,440	-17,191	-15,694	-14,110	4,386	-23,856	-27,302	-54,338
Financing Activities	6,953	11,656	12,516	16,589	22,344	24,177	-4,113	21,550	38,021	64,774

Show % Change

Above figures are in Rs. Crores

Share Holding

% Holding	Mar 2021	Jun 2021	Sept 2021	Dec 2021	Mar 2022	Jun 2022	Sept 2022	Dec 2022	Mar 2023	Jun 2023	Sept 2023	Nov 2023	Dec 2023	Mar 2024	Jun 2024	Sept 2024
Promoter	56.12 %	56.03 %	56.03 %	56.03 %	55.86 %	55.86 %	55.86 %	55.91 %	55.91 %	55.87 %	55.87 %	54.78 %	54.78 %	54.69 %	54.70 %	54.70 %
FIIs	24.06 %	24.03 %	23.64 %	22.85 %	21.41 %	19.98 %	17.07 %	16.37 %	15.70 %	16.68 %	17.01 %	17.97 %	17.56 %	17.14 %	17.77 %	17.73 %
DIIs	9.08 %	9.34 %	9.73 %	10.11 %	11.22 %	12.03 %	15.58 %	15.93 %	16.45 %	16.31 %	16.52 %	17.04 %	17.44 %	17.82 %	17.62 %	18.17 %
Government	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %	0.00 %
Public / Retail	10.57 %	10.40 %	10.42 %	10.91 %	11.15 %	11.84 %	11.26 %	11.60 %	11.76 %	11.01 %	10.51 %	10.13 %	10.17 %	10.19 %	9.83 %	9.35 %

Show % Change

Dividend History

Peer Comparison Compare Peers on Screener

Competitors	LTP	Market Cap (₹ Cr.)	P/E Ratio	Revenue (₹ Cr.)	YoY Revenue Growth %	Net Profit (₹ Cr.)	YoY Profit Growth %	RSI
Bajaj Finance	7,022.50	4,34,454.94	28.26	54,982.51	32.75	14,451	13.04	46.36
Bajaj Finserv	1,766.70	2,82,265.91	33.21	1,10,383.00	34.50	15,595	11.30	43.13
Jio Financial Services	326.20	2,07,212.36	128.91	1,854.68	4,036.22	1,605	3.13	45.15
Shriram Finance	3,265.80	1,22,759.43	15.66	36,412.99	19.35	7,391	20.17	47.05
Bajaj Holdings & Investments	10,355.25	1,14,976.48	15.52	1,713.46	224.92	7,365	-4.89	48.75
Cholamandalam Investment	1,292.40	1,08,589.35	28.19	19,419.87	48.18	3,411	25.22	24.64
HDFC AMC	4,419.05	94,444.04	42.75	3,163.39	27.42	1,943	32.09	48.51
Muthoot Finance	1,960.35	78,586.56	17.60	15,162.74	26.62	4,468	14.45	52.52
SBI Cards	685.20	65,342.58	27.13	17,483.48	22.39	2,408	-32.93	32.74
Aditya Birla Capital	204.51	53,303.42	15.48	34,560.58	14.43	3,439	17.06	34.56