Bajaj Finserv is a leading Indian company in the Financial Services space, listed on the NSE. The company is a key player in the Financial Services segment with a strong market position and diversified operations.
Bajaj Finserv Ltd makes money through Core Business, Other Segments, Exports in Financial Services. Revenue quality depends on demand growth, margin discipline, balance-sheet strength, and the company's ability to defend its position within Financial Services.
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| Metric | 1 Year | 3 Years | 5 Years | 10 Years |
|---|---|---|---|---|
| Sales | — | — | — | — |
| Profit | — | — | — | — |
| Stock Price | — | — | — | — |
| ROE | — | — | — | — |
| Period | FY25 | FY24 | FY23 | FY22 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | ₹1,21,192 Cr | ₹99,880 Cr | ₹73,846 Cr |
| Quarter | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | ₹23,625 Cr | ₹23,280 Cr | ₹26,023 Cr | ₹29,038 Cr | ||||||||
| Expenses | ₹15,470 Cr | ₹13,935 Cr | ₹16,073 Cr | ₹18,601 Cr | ||||||||
| Operating Profit | ₹8,154 Cr | ₹9,345 Cr | ₹9,950 Cr | ₹10,438 Cr |
| Period | FY25 | FY24 | FY23 | FY22 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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| Liabilities | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Equity Capital | ₹160 Cr | ₹159 Cr | ₹159 Cr | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Period | Operating | Investing | Financing | Net Cash Flow |
|---|---|---|---|---|
| FY25 | ₹-62,113 Cr | ₹-7,987 Cr | ₹70,191 Cr | ₹92 Cr |
| FY24 | ₹-65,502 Cr | ₹-14,132 Cr | ₹82,709 Cr | ₹3,075 Cr |
| FY23 | ₹-39,480 Cr | ₹-13,945 Cr | ₹51,016 Cr | ₹-2,409 Cr |
| FY22 | ||||
| Mar 2016 | ||||
| Mar 2017 | ||||
| Mar 2018 |
| Ratio | FY24 | FY23 | FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | FY16 | FY15 | FY14 | FY13 | FY12 | FY11 | FY10 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE % | 14.8% | 14.5% | 14.6% | — | — | — | — | — | — | — | — | — | — | — | — |
| ROCE % | 16.3% | 16.0% | 16.2% | — | — | — | — | — | — | — | — | — | — | — | — |
| Debt/Equity | 0.6 | 0.4 | 0.6 | — | — | — | — | — | — | — | — | — | — | — | — |
| Interest Coverage | 12.8 | 13.4 | 13.1 | — | — | — | — | — | — | — | — | — | — |
| Year | Type | Amount (₹) |
|---|---|---|
| FY24 | Final | ₹3.72 |
| FY23 | Final | ₹15.81 |
| FY22 | Final | ₹13.78 |
| FY21 | Final | |
| FY20 | Interim | |
| FY19 | Interim |
No corporate actions recorded.
| Company | M.Cap | P/E | ROE | 1Y Return |
|---|---|---|---|---|
| Aadhar Housing Finance Ltd | ₹20,025 Cr | 18.5 | +15.75% | -6.53% |
| AAVAS Financiers Ltd | ₹10,618 Cr | 16.3 | +13.92% | -18.74% |
| Aditya Birla Capital Ltd | ₹93,616 Cr | 25.1 | +11.18% | +8.36% |
| Aptus Value Housing Finance India Ltd | ₹12,874 Cr | 13.7 | 0.00% | -6.54% |
| Anand Rathi Share And Stock Brokers Ltd | ₹3,260 Cr | 22.2 | +13.96% | -14.86% |
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Deep-dive analysis of Bajaj Finserv's competitive moat, management quality, and growth runway available with Premium.
Premium| Expenses | ₹97,444 Cr | ₹78,505 Cr | ₹57,035 Cr |
| Operating Profit | ₹48,058 Cr | ₹39,775 Cr | ₹29,013 Cr |
| OPM % | 39.7% | 39.8% | 39.3% |
| Other Income | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Depreciation | ₹1,170 Cr | ₹900 Cr | ₹678 Cr |
| Interest | ₹24,310 Cr | ₹18,400 Cr | ₹12,201 Cr |
| Profit Before Tax | ₹23,748 Cr | ₹21,375 Cr | ₹16,811 Cr |
| Tax | ₹6,191 Cr | ₹5,780 Cr | ₹4,602 Cr |
| Net Profit | ₹8,872 Cr | ₹8,148 Cr | ₹6,417 Cr |
| EPS (₹) | 55.0 | 50.7 | 40.0 |
| Dividend Payout % | 0% | 0% | 0% |
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| OPM % | 35.0% | 40.0% | 38.0% | 36.0% |
| Depreciation | ₹181 Cr | ₹202 Cr | ₹209 Cr | ₹232 Cr |
| Interest | ₹3,436 Cr | ₹4,020 Cr | ₹4,449 Cr | ₹4,777 Cr |
| Net Profit | ₹3,335 Cr | ₹3,709 Cr | ₹3,756 Cr | ₹4,045 Cr |
| EPS (₹) | 11.1 | 12.2 | 12.1 | 13.5 |
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| Reserves |
| ₹45,570 Cr |
| ₹36,205 Cr |
| ₹30,078 Cr |
| Borrowings | ₹2,84,452 Cr | ₹2,28,782 Cr | ₹1,67,599 Cr |
| Other Liabilities | ₹2,39,346 Cr | ₹2,05,372 Cr | ₹1,60,312 Cr |
| Total Liabilities | ₹5,23,797 Cr | ₹4,34,154 Cr | ₹3,27,911 Cr |
| Assets |
| Fixed Assets | ₹4,885 Cr | ₹3,852 Cr | ₹2,981 Cr |
| Investments | ₹1,92,734 Cr | ₹1,71,635 Cr | ₹1,37,011 Cr |
| Receivables | ₹8,319 Cr | ₹5,974 Cr | ₹3,459 Cr |
| Inventory | ₹0 Cr | ₹0 Cr | ₹0 Cr |
| Cash & Equivalents | ₹5,817 Cr | ₹5,765 Cr | ₹2,594 Cr |
| Other Assets | ₹4,40,476 Cr | ₹3,50,704 Cr | ₹2,59,465 Cr |
| Total Assets | ₹6,52,232 Cr | ₹5,37,930 Cr | ₹4,05,509 Cr |
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| Mar 2019 |
| Mar 2020 |
| Mar 2021 |
| Mar 2022 |
| Mar 2023 |
| Mar 2024 |
| Mar 2025 |
| Mar 2026 |
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| — |
| — |
| Current Ratio | 1.7 | 1.7 | 1.8 | — | — | — | — | — | — | — | — | — | — | — | — |
| Quick Ratio | 1.2 | 1.3 | 1.3 | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | 15.5% | 15.3% | 16.0% | — | — | — | — | — | — | — | — | — | — | — | — |
| NPM % | 9.3% | 9.2% | 9.6% | — | — | — | — | — | — | — | — | — | — | — | — |
| EV/EBITDA | 13.5 | 14.2 | 14.1 | — | — | — | — | — | — | — | — | — | — | — | — |
| PEG Ratio | 1.7 | 2.0 | 2.0 | — | — | — | — | — | — | — | — | — | — | — | — |
| Asset Turnover | 0.9 | 1.5 | 1.3 | — | — | — | — | — | — | — | — | — | — | — | — |
| Inventory Turnover | 5.5 | 9.0 | 8.2 | — | — | — | — | — | — | — | — | — | — | — | — |
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