Stock BAJFINANCE BAJAJ FINANCE LIMITED
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Financials Bajaj Finance Limited

Equities

BAJFINANCE

INE296A01024

Consumer Lending

Market Closed - NSE India S.E.
Other stock markets
 07:43:46 2024-04-26 am EDT 		5-day change 1st Jan Change
6,731 INR -7.73% Intraday chart for Bajaj Finance Limited -5.45% -8.14%
Apr. 26 Weak March Quarter Earnings Weigh Down Indian Equities on Friday MT
Apr. 26 Bajaj Finserv's Consolidated Profit Climbs in Fiscal Q4; Shares Slide 3% MT

Valuation

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 1,739,781 1,328,463 3,089,441 4,395,117 3,388,270 4,159,800 - -
Enterprise Value (EV) 1 1,739,781 2,405,879 4,127,478 6,010,634 5,512,130 4,470,426 7,638,147 8,530,045
P/E ratio 44 x 24.9 x 70.5 x 62.7 x 29.6 x 30.7 x 24 x 18.6 x
Yield 0.2% 0.45% - 0.28% 0.53% 0.5% 0.63% 0.78%
Capitalization / Revenue 14.6 x 7.85 x 17.9 x 20.1 x 11.7 x 12.3 x 9.2 x 7.38 x
EV / Revenue 14.6 x 14.2 x 23.9 x 27.5 x 19.1 x 12.3 x 16.9 x 15.1 x
EV / EBITDA - 14,077,736 x - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 8.86 x 4.11 x 8.39 x 10 x 6.24 x 5.51 x 4.54 x 3.77 x
Nbr of stocks (in thousands) 575,134 599,541 599,909 605,392 603,244 617,988 - -
Reference price 2 3,025 2,216 5,150 7,260 5,617 6,731 6,731 6,731
Announcement Date 5/16/19 5/19/20 4/27/21 4/26/22 4/26/23 4/25/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 118,782 169,124 172,690 218,922 288,458 362,578 452,100 563,314
EBITDA - 170,900 - - - - - -
EBIT 1 - 112,516 119,608 143,072 187,175 239,403 299,419 379,071
Operating Margin - 66.53% 69.26% 65.35% 64.89% 66.03% 66.23% 67.29%
Earnings before Tax (EBT) 1 - 73,221 59,923 95,038 155,279 193,096 233,177 301,828
Net income 1 - 52,638 44,198 70,282 115,077 144,512 173,697 223,954
Net margin - 31.12% 25.59% 32.1% 39.89% 39.86% 38.42% 39.76%
EPS 2 68.75 89.07 73.00 115.8 189.6 236.0 280.7 361.8
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 6.000 10.00 - 20.00 30.00 33.38 42.56 52.41
Announcement Date 5/16/19 5/19/20 4/27/21 4/26/22 4/26/23 4/25/24 - -
1INR in Million2INR
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: March 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 S1 2024 Q3 2024 Q4 2025 Q1
Net sales 1 42,958 46,594 44,895 53,345 60,005 60,677 66,376 70,013 74,347 77,712 83,980 89,215 - 93,191 97,830 102,271
EBITDA 1 - - - - - - - - - - 57,026 - - - - -
EBIT 1 29,065 30,534 31,162 33,048 39,192 39,671 42,575 44,865 48,530 51,206 55,465 58,765 - 61,901 64,262 -
Operating Margin 67.66% 65.53% 69.41% 61.95% 65.31% 65.38% 64.14% 64.08% 65.27% 65.89% 66.05% 65.87% - 66.42% 65.69% -
Earnings before Tax (EBT) 1 15,545 18,226 13,659 20,044 28,680 32,655 35,028 37,523 40,117 42,611 45,512 48,024 93,090 50,638 50,177 -
Net income 1 11,460 13,466 10,024 14,810 21,253 24,195 25,962 27,806 29,730 31,578 34,369 35,881 69,877 37,348 37,234 -
Net margin 26.68% 28.9% 22.33% 27.76% 35.42% 39.88% 39.11% 39.72% 39.99% 40.63% 40.93% 40.22% - 40.08% 38.06% -
EPS 2 - 22.23 16.54 - 35.02 39.86 42.78 45.81 48.96 52.01 56.60 58.10 - 61.40 60.28 64.94
Dividend per Share - - - - - - - - - - - - - - 37.59 -
Announcement Date 1/20/21 4/27/21 7/20/21 10/26/21 1/18/22 4/26/22 7/27/22 10/20/22 1/27/23 4/26/23 7/26/23 - 10/17/23 - - -
1INR in Million2INR
Estimates

Balance Sheet Analysis

Fiscal Period: March 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 - 1,077,416 1,038,036 1,615,516 2,123,860 2,820,022 3,478,347 4,370,244
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) - 6.304 x - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) - 20.2% 12.8% 17.4% 23.5% 21.9% 21% 22.3%
ROA (Net income/ Total Assets) - 3.65% 2.63% 3.66% 4.72% 4.46% 4.16% 4.24%
Assets 1 - 1,443,120 1,679,901 1,919,757 2,438,690 3,218,191 4,176,085 5,283,308
Book Value Per Share 2 342.0 539.0 614.0 725.0 900.0 1,221 1,483 1,787
Cash Flow per Share - - -14.60 -610.0 - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 5/16/19 5/19/20 4/27/21 4/26/22 4/26/23 4/25/24 - -
1INR in Million2INR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Bajaj Finance Limited

Trading Rating
Investor Rating
ESG Refinitiv
C+
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
33
Last Close Price
6,731 INR
Average target price
8,404 INR
Spread / Average Target
+24.85%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

Sector Other Consumer Lending

1st Jan change Capi.
BAJAJ FINANCE LIMITED Stock Bajaj Finance Limited
-8.14% 49.88B
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Other Consumer Lending
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