| | Price Trend | Performance | Ratios | Snapshot

Bajaj Finance | 60.31% [Reasonable Score] |Shares Pledge: [12.33%]

Is the company worth investing in (now)?: I May Wait For Correction [Price is Overvalued & Fundamentals are OK]

1,020.30

17.00 | 1.69%

Price

Financial - Consumer Financing

387.69

Overvalued

Intrinsic Value

Top | Performance | Ratios | Snapshot

Price Trend

4%
Price 14 Day

Past → Today

15%
Price 30 Day

Past → Today

10%
Price 90 Day

Past → Today

Overview
How is the Stock? Price: Looks Overvalued & Fundamentals Only Reasonable
Overall Score (Remark) 60.31% [Reasonable Score] |Shares Pledge: [12.33%]
Is It A Fundamentally Strong Company? Fundamentals Only Reasonable
Fundamental Strength Score [out of 5] 3.03
Overview
17.29%
Last 10Y Price Trend

Past → Today

1.54%
P/E

Past → Today

Quick Observations #1
  1. The operating revenue has grown consistently in the last 5 years
  2. Positive @21.14% p.a. in the last 5 years
  3. Reasonably consistent in the last 5 years
  4. Maintained a positive EBITDA Margin of 68.05% in the last 5 years
  5. EBITDA Margin has improved in the last 5 years @1.5% p.a.
Quick Observations #2
  1. Not been consistent in the last 5 years
  2. Maintained a positive PAT Margin of 23.8% in the last 5 years
  3. PAT Margin has improved in the last 5 years @0.74% p.a.
  4. Not been consistent in the last 5 years
  5. Maintained a positive ROE of 17.14% in the last 5 years
  6. ROE has improved in the last 5 years @0.74% p.a.
Quick Observations #3
  1. Total asset has grown at 21.38% p.a. in the last 5 Years
  2. The company has not been consistently solvent in the last 5 years
  3. The company has reduced it's D/E ratio in the last 5 years
  4. Maintained an average D/E ratio of 3.78 in the last 5 years
Quick Observations #4
  1. Consistently liquid in the last 5 years
  2. Improved in the last 5 years
  3. Maintained an average current ratio of 1.26 in the last 5 years
  4. Not Consistently Positive
Price Valuation
Is It An Undervalued Stock? Looks Overvalued
Price Valuation Score [out of 5] 2.40
Price ₹1,020.30
Intrinsic Value ₹387.69
P/E 3.33
EV/EBITDA 0.00
P/FCF 0.00
Current Price vs. Intrinsic Value (IV)
Current Price

₹1,020.3

Intrinsic Value

₹387.6905

Overvalued

Sample Data. Subscribe to view actual data.
Share Holding Pattern
Profitability
Is It A Profitable Company? Reasonably Profitable
Profitability Score [out of 5] 3.49
WAAC 12.00%
ROCE-5Y 46.90%
Free Cash Flow 0.0000
Operating Profit 54,158.00
Net Profit 19,015.00
Profitability
Growth
Is It A Growing Company? Growth Rate Is Fast
Growth Score [out of 5] 4.43
Reserves Growth 21.00%
Total Asset Growth 21.00%
Operating Revenue Growth 21.00%
Net Profit Growth 22.00%
Operating Cash Flow Growth 12.00%
FCF Growth (5Y) 0.00%
Sustainable Growth 15.00%
-41.64%
EPS

Past → Today

Financial Health
Is The Company Financially Healthy? Financial Health Is Average
Financial Health Score [out of 5] 3.22
Is the company liquid? Yes. Its Liquidity is Good
Is the ROE growing? No. The Trend is Falling
Is the ROE high? Yes. Its Very High
Company is reducing debt? No. D/E Ratio is Growing V.Fast
Company's D/E ratio is low? #N/A
Is the ROCE growing? No. It is Falling
Is the ROCE High? Yes. It is Very High
Financial Health
Quality of Management
How Is The Quality Of The Management? Management Quality Is Average
Management Quality Score [out of 5] 2.97
Operating profit is Growing? Yes. The Operating Profit has grown
Operating profit Consistently Growing? Yes. The Operating Profit has Consistently Grown
EPS is Growing? No. The EPS has decreased
EPS Consistently Growing? No. The EPS Growth in not Consistent
Capital Utilization is Proper? #N/A
Reinvested Capital Meets The Purpose? Yes. It is Excellent
Is It Overpaying The Dividends? Yes. It can Comfortably Afford
Operating Profit Margin
Competitive Moat
Does The Company Has Competitive Moat? Moat Is Average
Moat Score [out of 5] 2.96
Competitors
NameM.Cap (₹ Cr.)Revenue (₹ Cr.)PAT (₹ Cr.)TTM EPSTTM P/EP/BROEOverall Score (%)
Bajaj Finance63,381.1881,989.5019,315.9030.6133.330.5616.68Subscribe to view
Theme Ranks
Theme Rank Total Stocks Theme Rank Total Stocks
Best Stocks 300 995 Fast Growing Stocks 58 1,001
Profitable Stocks 332 984 Dividend Paying Stocks 94 389
Blue-Chip Stocks 0 79 Low PE Stocks 0 116
Debt Free Stocks 91 644 Buffet Type Stocks 340 1,001
Fundamentally Strong Stocks 240 1,001 High Return Stocks 1,120 1,367
Undervalued Stocks 481 1,000 Penny Stocks 0 102
Profitable & Growing Stocks 0 122
Price Summary
Today's High Today's Low 52W High 52W Low
1,023.6 1,004.3 1,102.45 788.4
Recent Results
Market Cap (Cr) Revenue (Cr) Net Profit (Cr) Net Worth (Cr)
63,381.18 81,989.50 19,315.90 113,999.02
D/E Current Ratio ROE (%) ROCE (%)
0.00 1.26 16.68 45.63
Valuation & Growth
P/E P/B Div.Yield (%) PEG (%)
3.33 0.56 0.65 -0.42
EPSG-3Y (%) EPSG-3Y (%) 3M-Return (%) 1Y-Return (%)
-47.70 -41.64 15.05 11.03
About Company

Bajaj Finance Ltd (Formerly Known as Bajaj Auto Finance Ltd) is one of the leading Non Banking Financial Corporation in India. Headquartered in Pune the company's product offering includes Consumer Durable Loans Lifestyle Finance Digital Product Finance Personal Loans Loan against Property Small Business Loans Home loans Credit Cards Two-wheeler and Three-wheeler Loans Construction Equipment Loans Loan against Securities and Rural Finance which includes Gold Loans and Vehicle Refinancing Loans along with Fixed Deposits and Advisory Services. The Reserve Bank of India classified the company as an Asset Finance Company.Bajaj Auto Finance Ltd was incorporated on March 25 1987 as a private limited company. On 20 October 1987 it became a deemed public company u/s 43A(1) of the Companies Act 1956. On 24 September 1988 it was registered as a Public Limited Company.

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Performance Summary

14.79%

Net Sales

Past → Today

14.79%

Total Income

Past → Today

14.04%

Operating Profit

Past → Today

10.57%

PAT

Past → Today

15.96%

Net Worth

Past → Today

-30.66%

EPS

Past → Today

4%

Last 14D Price Trend

Past → Today

15%

Last 30D Price Trend

Past → Today

10%

Last 90D Price Trend

Past → Today

6%

Last 180D Price Trend

Past → Today

11%

Last 1Y Price Trend

Past → Today

-12.19%

Last 3Y Price Trend

Past → Today

-3.42%

Last 5Y Price Trend

Past → Today

0%

EV/EBIDTA

Past → Today

Top | Price Trend | Performance | Snapshot

Ratios

Liquidity Ratios
IndicatorUnitTTMMar 26Mar 25Mar 24Mar 23Mar 22
Current Ratio-1.261.261.261.241.231.25
Quick Ratio-0.000.001.261.241.231.25
Cash Ratio-0.040.040.040.040.020.02
Solvency Ratios
IndicatorUnitTTMMar 26Mar 25Mar 24Mar 23Mar 22
Current Debt to Inventory-0.000.000.000.000.000.00
Current Debt to Equity-0.000.003.743.823.993.78
D / E-0.000.003.743.823.993.78
Interest Coverage Ratio-1.891.901.892.032.241.97
Efficiency Ratios
IndicatorUnitTTMMar 26Mar 25Mar 24Mar 23Mar 22
Fixed Asset Turnover Ratio-20.3120.1818.2516.7117.3618.10
Gross Margin%0.000.00100.00100.00100.00100.00
Operating Margin%65.6366.4367.1569.1567.8360.84
EBITDA Margin%66.8567.6668.4370.4069.0062.06
PAT Margin%23.0423.5624.0426.2727.7922.21
Op.Cash Flow Margin%-79.73-80.25-97.81-132.36-101.79-117.06
ROA%3.403.453.603.844.183.31
ROE%16.6816.9417.3418.8321.1616.08
ROCE%45.6345.8846.7948.9350.9443.25
ROIC%2.622.672.822.983.172.50
Price Valuation Ratios
IndicatorUnitTTMMar 26Mar 25Mar 24Mar 23Mar 22
P/E-33.3333.3030.5429.4662.2469.97
PEG--0.42-0.650.400.200.1269.97
EV/EBITDA-0.000.009.189.0710.4911.38
Price to Sales-7.6813.601.291.252.111.96
P/B-5.569.780.930.891.611.42
Dividend Yield%0.000.002.472.651.380.97
P/FCF-0.000.001.070.771.40-8.53
FCF/Sales-0.000.000.000.000.00-0.01
Earnings Yield%0.000.0010.6910.839.378.62
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Snapshot

Quarterly Report
IndicatorUnitTTMMar '26Dec '25Sep '25Jun '25Mar '25
SalesRs. Cr.82,519.0021,605.0021,213.0020,178.0019,523.0018,456.00
Other IncomeRs. Cr.4.000.000.001.003.0011.00
Op. ProfitRs. Cr.54,723.0014,797.0013,032.0013,614.0013,280.0012,178.00
EBITDARs. Cr.55,169.0055,475.1247,713.6038,709.9428,571.4619,636.59
PBTRs. Cr.25,797.007,399.005,428.006,604.006,366.005,638.00
PATRs. Cr.19,015.005,464.003,977.004,875.004,699.004,479.00
EPSRs. Cr.30.618.796.407.857.5772.35
Profit & Loss Account
IndicatorUnitTTMMar 26Mar 25Mar 24Mar 23Mar 22
IncomeRs. Cr.82,523.0081,989.5069,724.7854,982.5141,405.6931,640.41
ExpenseRs. Cr.55,924.0955,924.0947,662.9635,680.5825,879.5022,136.63
Op.ProfitRs. Cr.54,158.0054,459.0246,791.3438,013.6028,077.7719,244.03
EBITDARs. Cr.55,169.0055,475.1247,713.6038,709.9428,571.4619,636.59
PBTRs. Cr.25,797.007,399.005,428.006,604.006,366.005,638.00
PATRs. Cr.19,015.005,464.003,977.004,875.004,699.004,479.00
EPSRs. Cr.30.618.796.407.857.5772.35
DividendRs. Cr.0.000.002,226.461,815.401,207.32602.34
Balance Sheet
IndicatorUnitTTMMar 26Mar 25Mar 24Mar 23Mar 22
Share CapitalRs. Cr.621.79621.79124.17123.60120.89120.66
ReservesRs. Cr.113,377.23113,377.2396,568.7076,274.5553,695.6343,194.47
Net WorthRs. Cr.113,999.02113,999.0296,692.8776,398.1553,816.5243,315.13
ST BorrowingsRs. Cr.435,112.49435,112.49361,248.65293,345.83216,690.49165,231.92
LT BorrowingsRs. Cr.0.000.000.000.000.000.00
Fixed AssetsRs. Cr.4,062.704,062.703,818.193,290.092,384.191,747.17
Current LiabilitiesRs. Cr.441,248.56441,248.56366,042.93298,020.96220,095.23167,993.47
CashRs. Cr.15,755.3215,755.3213,543.5410,624.014,304.523,680.30
Current AssetsRs. Cr.553,877.01553,877.01460,437.18370,991.19271,593.53209,458.37
Total AssetsRs. Cr.559,952.36559,952.36466,126.83375,741.62275,228.67212,505.36
Cash Flow Report
IndicatorUnitTTMMar 26Mar 25Mar 24Mar 23Mar 22
Net Cash From Oprn.Rs. Cr.-65,789.80-65,789.80-68,154.47-72,760.14-42,140.40-37,028.62
Net Cash From InvestingRs. Cr.-3,388.63-3,388.63-2,765.02-7,171.18-10,365.256,346.84
Net Cash From FinancingRs. Cr.67,432.8767,432.8770,527.4482,415.0850,674.9632,239.62