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Bajaj Finance Ltd

Bajaj Finance

Large Cap•43,147 Employees•IPO 1995
Current Price
₹950.20
-12.2 (-1.27%)Updated
NSE :BAJFINANCE
BSE :500034
Sector :Consumer Finance
Valuation vs Sector
P/E Ratio
32.82vs 19.64
P/B Ratio
5.73vs 2.21
Div Yield
0.55%vs 0.56%
Today's Range
₹946.60
₹950.20
union icon
₹961.50
52 Week Range
52W Low₹849.00
52W High₹9788.00
₹950.20
union icon
Downside11.92%
Upside930.10%
chart iconChart

Price Chart

Compare with Peers

Historical Ratios

Track top 12 most important financial ratios

P/E Ratio: Price to Earnings - Most used valuation metric

Loading chart...

Analyzing Investment Quality

Processing 9 key metrics...

Key Metrics

Hover for details

Valuation

Market Cap
₹6,30,866.56 Cr
Market Cap
Total market value of company
P/E Ratio
34.99
P/E Ratio
Price to Earnings. Lower is generally better (<25 is good)
P/B Ratio
6.01
P/B Ratio
Price to Book Value. <3 may indicate undervaluation
EPS
₹28.97
EPS
Earnings Per Share. Higher and growing is positive

Profitability

ROE
9.36%
ROE
Return on Equity. >15% is good, >20% is excellent
ROCE
11.40%
ROCE
Return on Capital Employed. >15% is good
Net Margin
22.89%
Net Margin
Net profit as % of revenue. >10% is good
Operating Margin
-%
Operating Margin
Operating profit margin. >15% is good

Growth

EPS Growth (5Y)
-21.34%
EPS Growth (5Y)
5-year EPS growth. >15% is strong
Revenue Growth (5Y)
21.26%
Revenue Growth (5Y)
5-year revenue growth. >10% is good
Qtr Sales Growth
21.30%
Qtr Sales Growth
Quarter-over-quarter sales growth
Qtr Profit Growth
20.10%
Qtr Profit Growth
Quarter-over-quarter profit growth

Financial Health

Debt/Equity
3.01
Debt/Equity
Financial leverage. <1 is good, <0.5 is excellent
Book Value
₹155.75
Book Value
Net asset value per share
Dividend Yield
0.55%
Dividend Yield
Annual dividend as % of price. >2% is good
Promoter Holding
54.70%
Promoter Holding
Promoter stake. >50% shows confidence
Good
Average
Needs Attention

SWOT Analysis

Strengths

5 points
  • •High OPM (68.50%) and robust ROE (19.20%) indicate strong profitability.
  • •Impressive quarterly sales (21.30%) and profit (20.10%) growth.

Weaknesses

5 points
  • •Substantial debt burden with a high debt-to-equity ratio of 3.74.
  • •Significant negative EPS growth over 3Y (-38.59%) and 5Y (-21.34%).

Opportunities

5 points
  • •Expanding into diverse financial products and services for growth.
  • •Leveraging significant market share in India's growing NBFC sector.

Threats

4 points
  • •Intense competition from strong NBFC peers like Shriram Finance.
  • •Rising interest rates could significantly increase borrowing costs.

Segment-wise Financial Analysis

Financial Results

Balance Sheet

Standalone • Annual • All amounts in ₹ Crores • CA Schedule III Format

No Balance Sheet Data Available

Standalone annual data is not available for this symbol.
Try switching to Consolidated view.

Shareholding Pattern

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Company Insider Trading Activity

Recent Insider Transactions

Insider NameTransaction DateFiling DateTotal SharesChangePriceAction
BFL EMPLOYEE WELFARE TRUST
05 Feb 202505 Feb 202510.52 L
8.82 L
₹4,053.74BUY
RAJEEV JAIN
10 Feb 202510 Feb 20253.91 L
2.21 L
₹1,832.15BUY
RAJEEV JAIN
10 Feb 202510 Feb 20251.70 L
2.21 L
₹8,266.78SELL
Amisha Jain
19 Mar 202520 Mar 202513,700
4,000
₹8,845SELL
Amisha Jain
24 Mar 202525 Mar 20257,000
6,700
₹9,090.86SELL
Bajaj Allianz General Insurance Co. Ltd.
23 May 202526 May 202510,000
10,000
₹1,01,063.04BUY

Corporate Action

Company Announcements

Technical Analysis & Indicators

Standard pivot points - most widely used

Pivot Points (CLASSIC)

LevelPriceDistance% Change
R4₹988.73+₹38.53+4.06%
R3₹973.83+₹23.63+2.49%
R2₹967.67+₹17.47+1.84%
R1₹958.93+₹8.73+0.92%
PIVOT₹952.772.570.27%
CURRENT₹950.20--
S1₹914.23-₹35.97-3.79%
S2₹929.13-₹21.07-2.22%
S3₹937.87-₹12.33-1.30%
S4₹944.03-₹6.17-0.65%
CPR Levels
Support
Resistance
S4
S3
S2
S1
| CPR |
BC: N/AP: N/ATC: N/A
R1
R2
R3
R4
indicator
LTP: N/A
PDH: N/A
PDL: N/A
● Market Sentiment

is trading CPR, indicating

● CPR Width

CPR is

● Opening Range

Day's range: ~

● Price Position

Trading Inside opening range

Delivery Volume Analysis & Trading Activity

Latest Volume
6.56M
(06 Mar 2026)
-13.3% vs avg
Delivery %
68.9%
(06 Mar 2026)
+7.4% vs avg
Avg Volume (20D)
7.57M
(06 Feb - 06 Mar)
20-day average
Avg Delivery %
61.5%
(06 Feb - 06 Mar)
Trend ↓
Delivery % indicates the percentage of traded volume that resulted in actual delivery. Higher delivery % (>50%) suggests genuine buying interest and stronger hands.

Peer Comparison & Industry Benchmarking

Quick Compare

Largest by Market Cap
Shriram Finance Ltd
2.02L ₹ Cr
Best Profit Growth
Poonawalla Fincorp Ltd
116.00 %
Highest Dividend Yield
Mahindra & Mahindra Financial Services Ltd
2.18 %

Peer Comparison

Company Name
CHOLAFIN
Cholamandalam Investment & Finance Company Ltd
CHOLAHLDNG
Cholamandalam Financial Holdings Ltd
HDBFS
HDB Financial Services Ltd
LTF
L&T Finance Ltd
MANAPPURAM
Manappuram Finance Ltd
M&MFIN
Mahindra & Mahindra Financial Services Ltd
MUTHOOTFIN
Muthoot Finance Ltd
POONAWALLA
Poonawalla Fincorp Ltd
SBICARD
SBI Cards & Payment Services Ltd
SHRIRAMFIN
Shriram Finance Ltd
SUNDARMFIN
Sundaram Finance Ltd
TATACAP

About

BAJFINANCE

Bajaj Finance Ltd

Bajaj Finance Limited (BFL) is a prominent non-banking financial company (NBFC) in India, operating primarily as a deposit-taking institution. Its core business revolves around providing a wide array of financial products and services to both individuals and businesses. The company holds a significant market share and plays a vital role in India's financial landscape.

A major portion of BFL's business focuses on consumer finance. This segment encompasses a diverse range of offerings, including loans for durable goods (like electronics and furniture), lifestyle products, and digital purchases. They also offer EMI (Equated Monthly Installment) cards, personal loans, two-wheeler and three-wheeler vehicle financing, loans against fixed deposits, home loans, and gold loans. Complementing these are extended warranties, retail EMIs, and co-branded credit cards and wallets in partnerships with various e-commerce platforms.

BFL's activities extend significantly to the corporate sector, particularly serving the Micro, Small, and Medium Enterprises (MSME) market. They provide both secured and unsecured loans to MSMEs, catering to their working capital and term loan needs. Further corporate offerings include loans against property, mutual funds, insurance policies, and shares. Other services in this segment include lease rental discounting, business and professional loans, developer finance, and financing for new and used cars and tractors. In addition, BFL engages in commercial and rural lending.

Beyond lending, Bajaj Finance also participates in the broader financial services market. This includes accepting public and corporate deposits, offering loans against securities, and providing a range of investment services. These investment services encompass demat (dematerialized) services for holding securities electronically, broking services for facilitating the buying and selling of securities, and margin trade financing for leveraged investing. The company further diversifies its revenue streams by distributing life, health, and general insurance products.

COMPANY FACTS - BAJFINANCE

Registered Address

6th Floor Bajaj Finserv Corporate Office, Off Pune-Ahmednagar Road, Viman Nagar

Pune

MAHARASHTRA

IN

Tel: 912071576403

Website:https://www.bajajfinserv.in/

Investor Relations:http://www.bajajfinserv.in/finance-investor-relation-annual-reports
Company Details

Group: Financial Services

Sector: Financials

Industry: Consumer Finance

Exchange: NATIONAL STOCK EXCHANGE OF INDIA

Employees: 43,147

IPO Date: 09/02/1995

MANAGEMENT - BAJFINANCE

Shri. Sanjivnayan Bajaj

Non-Executive Chairman of the Board

Shri. Sandeep Jain

Chief Financial Officer, Chief Operating Officer

Mr. Nitish Asthana

President - Payments

Mr. Sidhaant Dadwa

President - SME and Consumer Finance B2C

Mr. Kurush Irani

President - Corporate Social Responsibility

Mr. Manish Jain

Managing Director of Bajaj Financial Securities Limited, President - Consumer Finance B2B Credit Cards, Fixed Deposits and Rewards

Mr. Anand Kumar

President - Microfinance

Mr. Vivek Likhite

President - Corporate Audit Services

Mr. Manav Mianwal

President - Digital Platforms

Mr. Amit Raghuvanshi

President - Sales Finance, Urban Two Wheeler and Cars

Mr. Deepak Reddy

President - Rural Lending, Gold Loans and Insurance

Mr. Harjeet Toor

President - Bharat Lending and Strategic Partnerships

Investor Questions Answered

Bajaj Finance Ltd (BAJFINANCE) Stock FAQs

Get answers to the most common questions about Bajaj Finance Ltd stock price, fundamentals, financial metrics, and investment analysis

The current share price of Bajaj Finance Ltd (BAJFINANCE) is ₹950.2. Today, the stock has declined by ₹12.20 (1.27%), trading in a range of ₹946.6 to ₹961.5. The stock opened at ₹960 with a trading volume of 65,60,051 shares.
Bajaj Finance Ltd can be considered for long-term investment based on several factors. The company has a market capitalization of ₹6,30,866.56 crores, P/E ratio of 34.99, ROE of 9.36%, and ROCE of 11.40%. The dividend yield stands at 0.55%. However, investment decisions should be based on your financial goals, risk appetite, and thorough research. It's recommended to consult with a SEBI-registered financial advisor before making investment decisions.
The 52-week high price of Bajaj Finance Ltd (BAJFINANCE) is ₹9,788, while the 52-week low is ₹849. Currently trading at ₹950.2, the stock is 1.1% away from its 52-week low and 90.3% below its 52-week high. These levels help investors understand the stock's price volatility and trading range over the past year.
Whether to buy Bajaj Finance Ltd stock at ₹950.2 depends on multiple factors. The stock is currently trading with a P/E ratio of 34.99 and P/B ratio of N/A. Today's performance shows a loss of 1.27%. Consider analyzing the company's fundamentals, technical indicators, industry trends, and your investment horizon. Compare these metrics with industry peers and consult a financial advisor for personalized advice.
Bajaj Finance Ltd offers a dividend yield of 0.55%, which means for every ₹100 invested at the current price of ₹950.2, you can expect to receive approximately ₹0.55 annually as dividends. The face value of the stock is ₹1.00. For information about the next dividend announcement and ex-dividend date, please check the company's official announcements or visit the BSE/NSE websites.
Bajaj Finance Ltd's key financial metrics include: P/E Ratio: 34.99, P/B Ratio: N/A, ROE: 9.36%, ROCE: 11.40%, Dividend Yield: 0.55%, EPS: ₹28.97, Book Value: ₹155.75, Debt-to-Equity: 3.01, and Current Ratio: N/A. The company's market cap stands at ₹6,30,866.56 crores. These metrics help evaluate the company's valuation, profitability, and financial health.
Bajaj Finance Ltd stock opened at ₹960 and is currently trading at ₹950.2, showing a decline of ₹12.20 (1.27%). The intraday high is ₹961.5 and low is ₹946.6. The trading volume stands at 65,60,051 shares, indicating strong market participation today.
Bajaj Finance Ltd has a Price-to-Earnings (P/E) ratio of 34.99, which means investors are willing to pay ₹34.99 for every ₹1 of earnings. With an EPS of ₹28.97, this P/E ratio suggests the stock may be trading at a premium, possibly due to high growth expectations. Compare this with industry peers and historical P/E ratios for better context.
Bajaj Finance Ltd has a market capitalization of ₹6,30,866.56 crores, making it a large-cap company. Market cap is calculated by multiplying the current stock price (₹950.2) by the total number of outstanding shares. This metric helps investors understand the company's size, stability, and investment risk profile.
Bajaj Finance Ltd has a book value of ₹155.75 per share and a Price-to-Book (P/B) ratio of N/A. The current market price is ₹950.2, which is 510.1% above the book value. A P/B ratio below 1 may indicate undervaluation or asset quality concerns.
Bajaj Finance Ltd has a Return on Equity (ROE) of 9.36% and Return on Capital Employed (ROCE) of 11.40%. ROE measures how efficiently the company generates profits from shareholders' equity, while ROCE indicates how well the company uses its capital to generate profits. These returns may need improvement for better profitability. Higher percentages generally indicate better financial performance.
Bajaj Finance Ltd operates in the diversified sector and belongs to the general industry. The company competes with other players in this space and its performance is influenced by sector-specific trends, regulatory changes, and market dynamics. Understanding the sector helps investors assess growth potential, cyclical patterns, and industry-specific risks that may impact the stock's performance.
Bajaj Finance Ltd has a debt-to-equity ratio of 3.01, which measures the company's financial leverage by comparing total debt to shareholders' equity. A ratio above 2 indicates high leverage and potentially higher financial risk. Lower ratios generally indicate lower financial risk, but optimal levels vary by industry.
Bajaj Finance Ltd has an Earnings Per Share (EPS) of ₹28.97, which represents the company's profit allocated to each outstanding share. With a current stock price of ₹950.2 and P/E ratio of 34.99, investors are paying 34.99 times the annual earnings per share. This moderate EPS suggests decent earnings generation. Track EPS growth over quarters to assess earnings momentum.
Bajaj Finance Ltd has reported a sales growth of N/A% and profit growth of N/A%. The company may be facing growth challenges or operating in a mature market. Consistent growth over multiple quarters is a positive indicator for long-term investors. Compare these growth rates with industry peers for better perspective.
Bajaj Finance Ltd has a current ratio of N/A, which measures the company's ability to pay short-term obligations with current assets. A ratio below 1 may indicate potential liquidity concerns. This metric is crucial for assessing the company's working capital management and financial safety.
To analyze Bajaj Finance Ltd stock, consider: 1) Fundamental Analysis - Review P/E (34.99), ROE (9.36%), debt-to-equity (3.01), and growth rates. 2) Technical Analysis - Check 52-week range (₹849.00 - ₹9788.00), moving averages, and chart patterns. 3) Valuation - Compare current price (₹950.20) with book value (₹155.75) and industry peers. 4) Financial Health - Assess current ratio (N/A) and cash flows. 5) Growth Prospects - Evaluate sales growth (N/A%) and profit growth (N/A%). Always diversify and consult a financial advisor.
The face value (or par value) of Bajaj Finance Ltd share is ₹1.00. Face value is the nominal value of a share as stated in the company's charter and is used for accounting purposes and calculating dividends. The current market price of ₹950.2 is 94920x the face value. Face value remains constant unless the company undergoes a stock split or bonus issue, while market price fluctuates based on demand and supply.
Investing in Bajaj Finance Ltd carries several risks: 1) Market Risk - Stock price volatility (52-week range: ₹849.00 - ₹9788.00). 2) Business Risk - Industry-specific challenges in the sector. 3) Financial Risk - Debt-to-equity ratio of 3.01 indicates leverage. 4) Liquidity Risk - Based on trading volume of 65,60,051 shares. 5) Valuation Risk - P/E of 34.99 may indicate over/undervaluation. 6) Economic Risk - Macroeconomic factors affecting the industry. Diversify your portfolio and invest only what you can afford to lose.
Bajaj Finance Ltd operates in the industry with key metrics: P/E ratio of 34.99, ROE of 9.36%, market cap of ₹6,30,866.56 crores, and dividend yield of 0.55%. To make an informed comparison, analyze these metrics against industry peers considering factors like revenue growth (N/A%), profit margins, debt levels (D/E: 3.01), and market position. Use our peer comparison tool on this page to see detailed side-by-side analysis with competitors.
Target prices for Bajaj Finance Ltd vary among analysts and depend on multiple factors including earnings projections, industry trends, and market conditions. The stock is currently trading at ₹950.2, with a 52-week range of ₹849.00 to ₹9788.00. Based on fundamentals like P/E (34.99), ROE (9.36%), and growth rates, analysts may have different target prices. Always refer to recent research reports from reputed brokerages and make decisions based on your own analysis and risk appetite.
Consider selling Bajaj Finance Ltd stock when: 1) Target Price Achieved - If the stock reaches your predetermined target from current ₹950.20. 2) Fundamental Deterioration - Declining ROE (currently 9.36%), increasing debt (D/E: 3.01), or falling growth rates. 3) Better Opportunities - Finding stocks with superior risk-reward ratios. 4) Portfolio Rebalancing - When the stock becomes overweight in your portfolio. 5) Changed Investment Thesis - If reasons for buying no longer hold. 6) Stop Loss - If price falls below your risk threshold. Always base decisions on thorough analysis rather than emotions.
Tax implications for Bajaj Finance Ltd stock investments: 1) Short-term Capital Gains (STCG) - If sold within 1 year, gains taxed at 15% plus cess. 2) Long-term Capital Gains (LTCG) - If held over 1 year, gains above ₹1 lakh taxed at 10% without indexation. 3) Dividend Income - Dividends (current yield: 0.55%) are taxable as per your income tax slab. 4) Securities Transaction Tax (STT) - Applicable on both buy and sell transactions. 5) Intraday Trading - Treated as speculative income, taxed as per slab. Tax laws change periodically, so consult a tax advisor for personalized guidance and latest regulations.