Bajaj Finance Limited
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, e-commerce purchases, retail spends, and two and three-wheelers; and personal, unsecured, home, and secured, gold, and car loans. It also provides secured and unsecured loans to micro, small, and medium enterprises, SMEs, and professionals; loans against property, mutual funds, insurance policies, and shares; developer finance and lease rental discounting services; 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; 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.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year net profit CAGR of 21.0%
Concerns1
- Negative free cash flow (βΉ491 Cr)
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 10 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ61.95 K Cr | β | βΉ16.66 K Cr | β | β | β | 32.0% | 31.8% |
| Mar 2024 | βΉ46.94 K Cr | β | βΉ12.64 K Cr | β | β | β | 31.5% | 22.9% |
| Mar 2023 | βΉ35.68 K Cr | β | βΉ10.29 K Cr | β | β | β | 28.0% | 62.0% |
| Mar 2022 | βΉ27.87 K Cr | β | βΉ6.35 K Cr | β | β | β | 18.4% | 60.5% |
| Mar 2021 | βΉ23.54 K Cr | β | βΉ3.96 K Cr | β | β | β | -1.2% | -19.0% |
| Mar 2020 | βΉ23.82 K Cr | β | βΉ4.88 K Cr | β | β | β | 37.0% | 25.5% |
| Mar 2019 | βΉ17.39 K Cr | β | βΉ3.89 K Cr | β | β | β | 37.6% | 56.5% |
| Mar 2018 | βΉ12.64 K Cr | β | βΉ2.48 K Cr | β | β | β | 26.8% | 35.3% |
| Mar 2017 | βΉ9.97 K Cr | β | βΉ1.84 K Cr | β | β | β | 36.6% | 43.6% |
| Mar 2016 | βΉ7.30 K Cr | β | βΉ1.28 K Cr | β | β | β | 35.3% | 42.4% |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 65,049 |
| Finance Costs | 20,157 |
| Total Expenses | 22,878 |
| Financing Profit | 22,014 |
| Financing Margin % | 34% |
| Other Income | 37 |
| Depreciation & Amortisation | 918 |
| Profit Before Tax | 21,132 |
| Tax % | - |
| Net Profit / PAT | 16,030 |
| EPS (βΉ) | 25.81 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Bajaj Finance Limitedthis co. | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | 0.00 | 32.0% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| AXIS Bank Ltd. | βΉ3.92 L Cr | βΉ1.23 L Cr | 16.10 | 2.06 | β | 12.2% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |