| | Price Trend | Performance | Ratios | Snapshot

Bajaj Finance | 62.12% [Reasonable Score] |Shares Pledge: [12.33%]

Is the company worth investing in (now)?: I'll Wait Longer To Build Better Margin of Safety [Price is Slightly Overvalued & Fundamentals are OK]

964.75

60.40 | 6.68%

Price

Financial - Consumer Financing

427.83

Overvalued

Intrinsic Value

Top | Performance | Ratios | Snapshot

Price Trend

1%
Price 14 Day

Past → Today

-1%
Price 30 Day

Past → Today

-7%
Price 90 Day

Past → Today

Overview
How is the Stock? Price: Slightly Overvalued & Fundamentals Only Reasonable
Overall Score (Remark) 62.12% [Reasonable Score] |Shares Pledge: [12.33%]
Is It A Fundamentally Strong Company? Fundamentals Only Reasonable
Fundamental Strength Score [out of 5] 3.10
Overview
23.16%
Last 10Y Price Trend

Past → Today

1.34%
P/E

Past → Today

Quick Observations #1
  1. The operating revenue has grown consistently in the last 5 years
  2. Positive @23.37% p.a. in the last 5 years
  3. Reasonably consistent in the last 5 years
  4. Maintained a positive EBITDA Margin of 68.3% in the last 5 years
  5. EBITDA Margin has improved in the last 5 years @2.95% p.a.
Quick Observations #2
  1. Not been consistent in the last 5 years
  2. Maintained a positive PAT Margin of 24.03% in the last 5 years
  3. PAT Margin has improved in the last 5 years @7.71% p.a.
  4. Not been consistent in the last 5 years
  5. Maintained a positive ROE of 18.09% in the last 5 years
  6. ROE has improved in the last 5 years @9.6% p.a.
Quick Observations #3
  1. Total asset has grown at 22.13% p.a. in the last 5 Years
  2. The company has not been consistently solvent in the last 5 years
  3. The D/E ratio of the company has remained stable 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. Impaired in the last 5 years
  3. Maintained an average current ratio of 3.2 in the last 5 years
  4. Not Consistently Positive
Price Valuation
Is It An Undervalued Stock? Slightly Overvalued
Price Valuation Score [out of 5] 3.11
Price ₹964.75
Intrinsic Value ₹427.83
P/E 3.28
EV/EBITDA 7.84
P/FCF 2.15
Current Price vs. Intrinsic Value (IV)
Current Price

₹964.75

Intrinsic Value

₹427.8321

Overvalued

Sample Data. Subscribe to view actual data.
Share Holding Pattern
Profitability
Is It A Profitable Company? Highly Profitable
Profitability Score [out of 5] 4.00
WAAC 9.48%
ROCE-5Y 25.36%
Free Cash Flow Positive
Operating Profit 50,945.00
Net Profit 18,299.00
Profitability
Growth
Is It A Growing Company? Growth Rate Is Fast
Growth Score [out of 5] 4.31
Reserves Growth 21.00%
Total Asset Growth 22.00%
Operating Revenue Growth 23.00%
Net Profit Growth 31.00%
Operating Cash Flow Growth 0.00%
FCF Growth (5Y) 29.00%
Sustainable Growth 16.00%
-32.39%
EPS

Past → Today

Financial Health
Is The Company Financially Healthy? Financial Health Is Weak
Financial Health Score [out of 5] 2.20
Is the company liquid? Yes. Its Liquidity is Very High
Is the ROE growing? No. The Trend is Falling
Is the ROE high? Yes. Its Very High
Company is reducing debt? Yes. D/E Ratio is Decreasing
Company's D/E ratio is low? No. D/E Ratio is High
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 Reasonably
Management Quality Score [out of 5] 3.29
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? No. Capital Use Needs Improvement
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] 2.77
Competitors
NameM.Cap (₹ Cr.)Revenue (₹ Cr.)PAT (₹ Cr.)TTM EPSTTM P/EP/BROEOverall Score (%)
Comfort Intech203.80151.277.900.2426.541.431.40Subscribe to view
Bajaj Finance59,930.4169,724.7816,761.6729.5232.680.6218.92Subscribe to view
Theme Ranks
Theme Rank Total Stocks Theme Rank Total Stocks
Best Stocks 283 1,347 Fast Growing Stocks 71 1,356
Profitable Stocks 23 1,339 Dividend Paying Stocks 104 364
Blue-Chip Stocks 0 99 Low PE Stocks 0 145
Debt Free Stocks 0 855 Buffet Type Stocks 376 1,355
Fundamentally Strong Stocks 231 1,356 High Return Stocks 1,261 1,367
Undervalued Stocks 551 1,342 Penny Stocks 0 253
Profitable & Growing Stocks 0 125
Price Summary
Today's High Today's Low 52W High 52W Low
974.55 942.15 1,102.45 788.02
Recent Results
Market Cap (Cr) Revenue (Cr) Net Profit (Cr) Net Worth (Cr)
59,930.41 69,724.78 16,761.67 96,692.87
D/E Current Ratio ROE (%) ROCE (%)
3.74 1.26 18.92 50.94
Valuation & Growth
P/E P/B Div.Yield (%) PEG (%)
3.28 0.62 0.58 -0.37
EPSG-3Y (%) EPSG-3Y (%) 3M-Return (%) 1Y-Return (%)
-42.34 -32.39 -0.77 -43.32
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.

Top | Price Trend | Ratios | Snapshot

Performance Summary

19.22%

Net Sales

Past → Today

19.23%

Total Income

Past → Today

21.5%

Operating Profit

Past → Today

21.09%

PAT

Past → Today

17.21%

Net Worth

Past → Today

-24.08%

EPS

Past → Today

1%

Last 14D Price Trend

Past → Today

-1%

Last 30D Price Trend

Past → Today

-7%

Last 90D Price Trend

Past → Today

9%

Last 180D Price Trend

Past → Today

-43%

Last 1Y Price Trend

Past → Today

-6.05%

Last 3Y Price Trend

Past → Today

-0.09%

Last 5Y Price Trend

Past → Today

0%

EV/EBIDTA

Past → Today

Top | Price Trend | Performance | Snapshot

Ratios

Liquidity Ratios
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
Current Ratio-1.261.263.193.203.673.41
Quick Ratio-1.261.263.193.203.673.41
Cash Ratio-0.040.040.090.050.060.04
Solvency Ratios
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
Current Debt to Inventory-0.000.000.000.000.000.00
Current Debt to Equity-3.743.743.823.993.783.57
D / E-3.743.743.823.993.783.57
Interest Coverage Ratio-1.901.892.032.241.971.64
Efficiency Ratios
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
Fixed Asset Turnover Ratio-19.9518.2516.7117.3618.1019.56
Gross Margin%100.00100.00100.00100.00100.00100.00
Operating Margin%66.8667.1569.1567.8360.8457.71
EBITDA Margin%68.1768.4370.4069.0062.0658.96
PAT Margin%24.0024.0426.2727.7922.2116.56
Op.Cash Flow Margin%-89.45-97.81-132.36-101.79-117.06-3.30
ROA%3.933.603.844.183.312.58
ROE%18.9217.3418.8321.1616.0811.97
ROCE%50.9446.7914.6614.7612.3912.63
ROIC%3.082.822.983.172.501.93
Price Valuation Ratios
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
P/E-30.6133.3030.5429.4662.2469.97
PEG--0.350.400.200.120.1569.97
EV/EBITDA-7.779.189.0710.4911.389.91
Price to Sales-7.351.291.252.111.960.99
P/B-5.790.930.891.611.420.72
Dividend Yield%3.972.472.651.380.970.00
P/FCF-5.440.881.612.303.87-0.29
FCF/Sales-0.010.000.000.000.00-0.00
Earnings Yield%12.6210.6910.839.378.629.88
Top | Price Trend | Performance | Ratios

Snapshot

Quarterly Report
IndicatorUnitTTMSep '25Jun '25Mar '25Dec '24Sep '24
SalesRs. Cr.76,192.0020,178.0019,523.0018,456.0018,035.0017,090.00
Other IncomeRs. Cr.38.001.003.0011.0023.005.00
Op. ProfitRs. Cr.51,196.0013,614.0013,280.0012,178.0012,124.0011,542.00
EBITDARs. Cr.51,963.0047,713.6038,709.9428,571.4619,636.5915,731.53
PBTRs. Cr.24,370.006,604.006,366.005,638.005,762.005,398.00
PATRs. Cr.18,299.004,875.004,699.004,479.004,246.003,999.00
EPSRs. Cr.29.527.857.577.246.8664.66
Profit & Loss Account
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
IncomeRs. Cr.76,230.0069,724.7854,982.5141,405.6931,640.4126,683.05
ExpenseRs. Cr.47,662.9647,662.9635,680.5825,879.5022,136.6320,690.79
Op.ProfitRs. Cr.50,945.0046,791.3438,013.6028,077.7719,244.0315,391.31
EBITDARs. Cr.51,963.0047,713.6038,709.9428,571.4619,636.5915,731.53
PBTRs. Cr.24,370.006,604.006,366.005,638.005,762.005,398.00
PATRs. Cr.18,299.004,875.004,699.004,479.004,246.003,999.00
EPSRs. Cr.29.527.857.577.246.8664.66
DividendRs. Cr.2,226.462,226.461,815.401,207.32602.340.00
Balance Sheet
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
Share CapitalRs. Cr.124.17124.17123.60120.89120.66120.32
ReservesRs. Cr.96,568.7096,568.7076,274.5553,695.6343,194.4736,494.84
Net WorthRs. Cr.96,692.8796,692.8776,398.1553,816.5243,315.1336,615.16
ST BorrowingsRs. Cr.361,248.65361,248.65111,617.4781,549.4054,363.5647,441.20
LT BorrowingsRs. Cr.0.000.00181,728.36135,141.09110,868.3684,204.18
Fixed AssetsRs. Cr.3,818.193,818.193,290.092,384.191,747.171,363.49
Current LiabilitiesRs. Cr.366,042.93366,042.93116,292.6084,954.1457,125.1149,579.53
CashRs. Cr.13,543.5413,543.5410,624.014,304.523,680.302,176.18
Current AssetsRs. Cr.460,437.18460,437.18370,991.19271,593.53209,458.37168,904.38
Total AssetsRs. Cr.466,126.83466,126.83375,741.62275,228.67212,505.36171,526.87
Cash Flow Report
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
Net Cash From Oprn.Rs. Cr.-68,154.47-68,154.47-72,760.14-42,140.40-37,028.62-880.95
Net Cash From InvestingRs. Cr.-2,765.02-2,765.02-7,171.18-10,365.256,346.84-428.54
Net Cash From FinancingRs. Cr.70,527.4470,527.4482,415.0850,674.9632,239.621,826.14