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Bajaj Finance Ltd

BAJFINANCE

Bajaj Finance Ltd

BAJFINANCE
FinancialsConsumer Finance
LargecapWith a market cap of ₹4,16,980 cr, stock is ranked 14
Low RiskStock is 1.84x as volatile as Nifty
6,868.350.00% (+0.00)
6,868.350.00% (+0.00)

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1M
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FinancialsConsumer Finance
LargecapWith a market cap of ₹4,16,980 cr, stock is ranked 14
Low RiskStock is 1.84x as volatile as Nifty

How to use scorecard? Learn more

FinancialsConsumer Finance
LargecapWith a market cap of ₹4,16,980 cr, stock is ranked 14
Low RiskStock is 1.84x as volatile as Nifty

Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
27.125.440.53%
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
18.342.550.94%

Forecast & Ratings

Detailed Forecast 
76%
Analysts have suggested that investors can buy this stock

from 29 analysts

Price

Price Upside

Earnings

Earnings Growth

Revenue

Rev. Growth

See Detailed Forecast

Company Profile

Bajaj Finance Limited is a non-banking finance company (NBFC). The Company is engaged in lending and allied activities.

Investor Presentation

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Oct 22, 2024

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Forecasts

Price

Revenue

Earnings

Income

Balance Sheet

Cash Flow

Income Statement

Industry refers to the sub-sector this company belongs to.

Higher than Industry Revenue Growth

A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 24.34%, vs industry avg of 15.21%

Increasing Market Share

Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 14.82% to 23.42%

Higher than Industry Net Income

Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 29.32%, vs industry avg of 20.97%

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Financial YearFY 2016FY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024TTM
Total Revenue7,333.569,992.1912,756.8418,500.1826,385.6426,683.0531,648.0541,419.9354,990.1562,307.22
Raw Materialssubtract—————————40,861.23
Power & Fuel Costsubtract—————————
Employee Costsubtract629.63931.671,433.621,938.532,547.962,498.673,592.445,100.196,396.01
Selling & Administrative Expensessubtract682.05789.811,409.201,732.952,263.802,010.423,120.464,032.444,589.77
Operating & Other expensessubtract4,000.865,382.135,968.518,505.3913,957.1315,856.4315,046.8016,274.0624,011.48
Depreciation/Amortizationsubtract56.3471.17102.07144.15294.63325.27384.57485.38683.32778.56
Interest & Other Itemssubtract——————————
Taxes & Other Itemssubtract686.05981.031,347.072,184.172,058.371,572.442,475.554,020.174,858.405,292.24
EPS24.7033.9344.5069.3689.4673.57116.67190.57236.43248.79
DPS2.503.604.006.0010.0010.0020.0030.0036.0036.00
Payout ratio0.100.110.090.090.110.140.170.160.150.14

Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2021

Annual report

PDF

Investor Presentation

Apr 27PDF
FY 2022

Annual report

PDF

Investor Presentation

Apr 26PDF
Oct 26PDF
Jul 20PDF
FY 2023

Annual report

PDF

Investor Presentation

Apr 26PDF
Jan 27PDF
Oct 20PDF
Jul 27PDF
FY 2024

Annual report

PDF

Investor Presentation

Jul 26PDF
FY 2025

Annual Report Pending

Investor Presentation

Oct 22PDF
 

Peers & Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Bajaj Finance Ltd28.855.440.53%
Jio Financial Services Ltd136.681.58—
Shriram Finance Ltd15.992.371.44%
Bajaj Housing Finance Ltd66.579.42—

Price Comparison

Compare BAJFINANCE with any stock or ETF
Compare BAJFINANCE with any stock or ETF
BAJFINANCE
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Shareholdings

Promoter Holdings Trend

Total Promoter Holding

Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding

Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

Institutional Holdings Trend

Total Retail Holding

Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding

Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding54.70%9.50%5.60%20.81%9.40%

Dec 2023

Mar 2024

Jun 2024

Sep 2024

Shareholding History

SepNovDec '23MarJunSep20.41%21.30%20.92%20.56%21.09%20.81%

Mutual Funds Holding Trend

Mutual Fund Holding

Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 5 Mutual Funds holding Bajaj Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
Mirae Asset Large Cap Fund - Growth - Direct Plan

Growth
0.1237%1.31%0.08%17/89 (0)
HDFC Large and Mid Cap Fund - Growth - Direct Plan

Growth
0.0422%0.75%-0.01%43/208 (+56)
HDFC Multi Cap Fund - Growth - Direct Plan

Growth
0.0404%1.01%0.42%20/218 (+38)

Compare 3-month MF holding change on Screener

Insider Trades & Bulk Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have Bajaj Finance Ltd

Events

Dividend Trend

No Dividend Cuts

Dividends are the portion of earnings that a company distributes to all its shareholders every year

BAJFINANCE has increased or maintained dividend levels over the last 5 years

Dividend Yield

Dividend return is one of the most important things to be considered while investing for long term. It is the additional return on top of what investors earn through price appreciation

Current dividend yield is 0.53%. An investment of ₹1,000 in the stock is expected to generate dividend of ₹5.34 every year

Dividends

Corp. Actions

Announcements

Legal Orders

Upcoming Dividends

No upcoming dividends are available

Past Dividends

Cash Dividend

Ex DateEx DateJun 21, 2024

Final
Final | Div/Share: ₹36.00

Dividend/Share

₹36.00

Ex DateEx Date

Jun 21, 2024

Cash Dividend

Ex DateEx DateJun 30, 2023

Final
Final | Div/Share: ₹30.00

Dividend/Share

₹30.00

Ex DateEx Date

Jun 30, 2023

Cash Dividend

Ex DateEx DateJun 30, 2022

Final
Final | Div/Share: ₹20.00

Dividend/Share

₹20.00

Ex DateEx Date

Jun 30, 2022

Cash Dividend

Ex DateEx DateJul 8, 2021

Final
Final | Div/Share: ₹10.00

Dividend/Share

₹10.00

Ex DateEx Date

Jul 8, 2021

Cash Dividend

Ex DateEx DateMar 3, 2020

Interim
Interim | Div/Share: ₹10.00

Dividend/Share

₹10.00

Ex DateEx Date

Mar 3, 2020

News & Opinions
Spotlight
Bajaj Finance Ltd up for five straight sessions

Bajaj Finance Ltd is up for a fifth straight session in a row. The stock is quoting at Rs 6797.7, up 0.86% on the day as on 12:44 IST on the NSE. The benchmark NIFTY is up around 0.53% on the day, quoting at 24596.05. The Sensex is at 81427.54, up 0.58%. Bajaj Finance Ltd has dropped around 2.98% in last one month. Meanwhile, Nifty Financial Services index of which Bajaj Finance Ltd is a constituent, has dropped around 2% in last one month and is currently quoting at 24562.6, up 0.41% on the day. The volume in the stock stood at 5.12 lakh shares today, compared to the daily average of 8.61 lakh shares in last one month. The benchmark December futures contract for the stock is quoting at Rs 6807.1, up 0.79% on the day. Bajaj Finance Ltd is down 8.47% in last one year as compared to a 17.47% gain in NIFTY and a 17.3% gain in the Nifty Financial Services index.The PE of the stock is 30.62 based on TTM earnings ending September 24.Powered by Capital Market - Live

4 days agoCapital Market - Live
Spotlight
Bajaj Finance Ltd slips for fifth straight session

Bajaj Finance Ltd dropped for a fifth straight session today. The stock is quoting at Rs 6587.05, down 0.77% on the day as on 12:59 IST on the NSE. The benchmark NIFTY is down around 0.94% on the day, quoting at 23659.1. The Sensex is at 78018.99, down 0.83%.Bajaj Finance Ltd has lost around 8.62% in last one month.Meanwhile, Nifty Financial Services index of which Bajaj Finance Ltd is a constituent, has eased around 2.01% in last one month and is currently quoting at 23563.65, down 0.79% on the day. The volume in the stock stood at 4.38 lakh shares today, compared to the daily average of 9.89 lakh shares in last one month. The benchmark November futures contract for the stock is quoting at Rs 6591.75, down 0.89% on the day. Bajaj Finance Ltd tumbled 8.82% in last one year as compared to a 20.25% rally in NIFTY and a 18.53% spurt in the Nifty Financial Services index.The PE of the stock is 30.23 based on TTM earnings ending September 24.Powered by Capital Market - Live

3 weeks agoCapital Market - Live
Corporate
Bajaj Finance allots NCDs

The Debenture Allotment Committee of Bajaj Finance at the meeting held on 28 October 2024 has allotted 6,020 NCDs at face value of Rs.10 Lakh each and 75,000 NCDs at face value of Rs.1 Lakh each, aggregating to ₹ 1,384.17 crore on private placement basis.Powered by Capital Market - Live

1 month agoCapital Market - Live
Earnings
Bajaj Finance consolidated net profit rises 12.64% in the September 2024 quarter

Net profit of Bajaj Finance rose 12.64% to Rs 3999.73 crore in the quarter ended September 2024 as against Rs 3550.80 crore during the previous quarter ended September 2023. Sales rose 27.49% to Rs 16736.58 crore in the quarter ended September 2024 as against Rs 13127.97 crore during the previous quarter ended September 2023. ParticularsQuarter EndedSep. 2024Sep. 2023% Var. Sales16736.5813127.97 27 OPM %70.2271.99 - PBDT5611.524916.28 14 PBT5401.484757.76 14 NP3999.733550.80 13 Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Moody's Ratings assigns 'Baa3 ' LT issuer rating to Bajaj Finance

Moody's Ratings stated that BFL's ratings consider its strong and entrenched franchise as the largest retail oriented non-bank finance company (NBFC) in India with a sizable customer base and distribution network; its diversified loan book, which supports its high risk-adjusted profitability; its capitalization; and its competitive funding costs. These strengths are counterbalanced by the company's focus on riskier unsecured consumer and small business loans, which are susceptible to higher credit costs during economic duress, and its reliance on wholesale funding. BFL will likely continue gaining market share and further augmenting its already sizable franchise with consolidated assets under management of INR3.5 trillion (US$42 billion) as of June 2024. Moody's expects the company to maintain its two-pronged strategy of having a mix of secured lending and unsecured lending. BFL's strong loan diversification gives it flexibility to calibrate loan growth depending on the prevailing asset quality trends in the respective segments. The diversification also helps in asset-liability management via a judicious mix of short- and long-term loan assets. Apart from product diversification, the company has substantial geographical and customer diversification. Although BFL's sizable unsecured lending exposes it to economic shocks, the company has employed various risk management processes to ensure adequate risk-adjusted returns. BFL's secured loans have experienced low charge-offs over the years. Like its industry peers, BFL relies on wholesale sources for its funding needs to a large extent. As of June 2024, its funding mix comprised domestic bonds (35%), bank loans (28%), term deposits (21%) and others. The company's cost of funds is among the lowest compared with all privately owned Indian NBFCs. BFL's funding and liquidity access also benefit from the company being a part of the large and well-known Bajaj Group. Bajaj Finance is one of India's leading and most diversified financial services companies. The company is mainly engaged in the business of lending. BFL has a diversified lending portfolio across retail, SME and commercial customers with a significant presence. The non-banking financial company (NBFC) reported 13.82% increase in consolidated net profit to Rs 3,911.98 crore on a 24% jump in total income to Rs 10,418 crore in Q1 FY25 as compared with Q1 FY24. The scrip shed 0.03% to currently trade at Rs 6902 on the BSE. Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Auto shares fall

Among the components of the BSE Auto index, Bajaj Auto Ltd (down 11.69%), Bosch Ltd (down 3.8%),Hero MotoCorp Ltd (down 3.29%),Mahindra & Mahindra Ltd (down 3.04%),Exide Industries Ltd (down 2.87%), were the top losers. Among the other losers were TVS Motor Company Ltd (down 2.41%), Sundram Fasteners Ltd (down 2.25%), Ashok Leyland Ltd (down 2.18%), Cummins India Ltd (down 2.13%), and Apollo Tyres Ltd (down 2.08%).At 13:47 IST, the BSE SmallCap was down 596.5 or 1.04% at 56806.57.The BSE 150 MidCap Index index was down 220.58 points or 1.32% at 16532.95.The Nifty 50 index was down 198.05 points or 0.79% at 24773.25.The BSE Sensex index was down 488.92 points or 0.6% at 81012.44.On BSE,1259 shares were trading in green, 2622 were trading in red and 130 were unchanged.Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Real Estate stocks slide

Among the components of the BSE Realty index, Oberoi Realty Ltd (down 6.23%), Macrotech Developers Ltd (down 3.75%),Prestige Estates Projects Ltd (down 3.62%),Godrej Properties Ltd (down 3.44%),Phoenix Mills Ltd (down 3.02%), were the top losers. Among the other losers were DLF Ltd (down 2.76%), Brigade Enterprises Ltd (down 2.58%), Sobha Ltd (down 2.44%), Sunteck Realty Ltd (down 1.89%), and Mahindra Lifespace Developers Ltd (down 1.75%).At 13:47 IST, the BSE SmallCap was down 596.5 or 1.04% at 56806.57.The BSE 150 MidCap Index index was down 220.58 points or 1.32% at 16532.95.The Nifty 50 index was down 198.05 points or 0.79% at 24773.25.The BSE Sensex index was down 488.92 points or 0.6% at 81012.44.On BSE,1259 shares were trading in green, 2622 were trading in red and 130 were unchanged.Powered by Capital Market - Live

1 month agoCapital Market - Live
Spotlight
Consumer goods shares fall

Among the components of the BSE Consumer Discretionary index, Bajaj Auto Ltd (down 11.69%), Oberoi Realty Ltd (down 6.23%),Indo Rama Synthetics (India) Ltd (down 5.23%),V2 Retail Ltd (down 4.42%),Divgi Torqtransfer Systems Ltd (down 4.21%), were the top losers. Among the other losers were HLV Ltd (down 4.2%), Sandhar Technologies Limited (down 3.93%), Kitex Garments Ltd (down 3.9%), Jamna Auto Industries Ltd (down 3.88%), and Bosch Ltd (down 3.8%). On the other hand, Kolte Patil Developers Ltd (up 8.85%), Peninsula Land Ltd (up 5.59%), and Hardwyn India Ltd (up 5.39%) moved up.At 13:47 IST, the BSE SmallCap was down 596.5 or 1.04% at 56806.57.The BSE 150 MidCap Index index was down 220.58 points or 1.32% at 16532.95.The Nifty 50 index was down 198.05 points or 0.79% at 24773.25.The BSE Sensex index was down 488.92 points or 0.6% at 81012.44.On BSE,1259 shares were trading in green, 2622 were trading in red and 130 were unchanged.Powered by Capital Market - Live

1 month agoCapital Market - Live
Corporate
Bajaj Finance allots NCDs aggregating Rs 500 cr

Bajaj Finance has allotted 50,000 NCDs of face value of Rs 1 lakh each, aggregating to Rs 500 crore on private placement basis on 09 October 2024. Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Bajaj Finance to announce Quarterly Result

Bajaj Finance will hold a meeting of the Board of Directors of the Company on 22 October 2024Powered by Capital Market - Live

2 months agoCapital Market - Live