BAJFINANCE
Bajaj Finance Limited (BAJFINANCE) Stock Analysis
Bajaj Finance Limited is India's largest non-banking finance company offering consumer and SME loans. It provides EMI financing, personal loans, cards, and deposits through digital platforms and partner stores. The company is known for strong retail underwriting and cross-sell. It is a large-cap listed financial services stock.
Financial Services › Credit Services
₹982.10
+2.30% 1W | -9.80% 52W
Market Cap
611.2k CR
P/E Ratio
29.4
52W High
₹1176.4
52W Low
₹787.9
Div. Yield
0.56%
Beta
0.3
50 DMA
₹1031.3
200 DMA
₹971.4
Profit Margin
43.5%
Inst. Own.
28%
✅ BOUNCE FROM SUPPORT
✅ BOUNCE FROM SUPPORT
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 12,498 | 13,382 | 14,164 | 14,926 | 16,100 | 17,091 | 18,035 | 18,294 | 19,524 | 20,179 | 21,013 | 21,606 | 23,165 |
| Interest | 4,103 | 4,537 | 4,868 | 5,217 | 5,684 | 6,149 | 6,386 | 6,551 | 6,918 | 7,011 | 7,339 | 7,398 | 7,942 |
| Expenses | 3,693 | 3,931 | 4,229 | 4,420 | 4,956 | 5,338 | 5,691 | 5,865 | 5,992 | 6,307 | 7,737 | 6,553 | 6,793 |
| Financing Profit | 4,703 | 4,914 | 5,066 | 5,289 | 5,460 | 5,604 | 5,958 | 5,879 | 6,614 | 6,861 | 5,937 | 7,654 | 8,430 |
| Financing Margin % | 38% | 37% | 36% | 35% | 34% | 33% | 33% | 32% | 34% | 34% | 28% | 35% | 36% |
| Other Income | 5 | 2 | 5 | 9 | 5 | 7 | 26 | 21 | 5 | 5 | -262 | 11 | 6 |
| Depreciation | 156 | 159 | 176 | 193 | 200 | 210 | 219 | 252 | 251 | 258 | 244 | 256 | 288 |
| Profit before tax | 4,551 | 4,758 | 4,896 | 5,105 | 5,265 | 5,401 | 5,765 | 5,647 | 6,368 | 6,608 | 5,431 | 7,410 | 8,149 |
| Tax % | 24% | 25% | 26% | 25% | 26% | 26% | 25% | 20% | 25% | 25% | 25% | 25% | 25% |
| Net Profit | 3,437 | 3,551 | 3,639 | 3,825 | 3,912 | 4,014 | 4,308 | 4,546 | 4,765 | 4,948 | 4,066 | 5,553 | 6,081 |
| EPS in Rs | 5.67 | 5.86 | 5.89 | 6.18 | 6.32 | 6.46 | 6.86 | 7.21 | 7.56 | 7.84 | 6.39 | 8.78 | 9.61 |
| Gross NPA % | 0.87% | 0.91% | 0.95% | 0.85% | 0.86% | 1.06% | 1.12% | 0.96% | 1.03% | 1.24% | 1.21% | 1.01% | 0.96% |
| Net NPA % | 0.31% | 0.31% | 0.37% | 0.37% | 0.38% | 0.46% | 0.48% | 0.44% | 0.50% | 0.60% | 0.47% | 0.41% | 0.39% |
| Metric | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5,392 | 7,299 | 9,970 | 12,746 | 18,487 | 26,375 | 26,673 | 31,633 | 41,411 | 54,972 | 68,832 | 81,985 | 85,964 |
| Interest | 2,274 | 2,959 | 3,853 | 4,696 | 6,723 | 9,608 | 9,519 | 9,848 | 12,701 | 18,886 | 24,991 | 28,899 | 29,690 |
| Expenses | 1,752 | 2,354 | 3,250 | 4,115 | 5,454 | 9,159 | 10,839 | 11,880 | 12,693 | 16,099 | 20,878 | 25,998 | 27,390 |
| Financing Profit | 1,367 | 1,986 | 2,867 | 3,935 | 6,310 | 7,609 | 6,314 | 9,905 | 16,018 | 19,987 | 22,963 | 27,088 | 28,883 |
| Financing Margin % | 25% | 27% | 29% | 31% | 34% | 29% | 24% | 31% | 39% | 36% | 33% | 33% | 34% |
| Other Income | 26 | 35 | 22 | 10 | 13 | 8 | 3 | -17 | -5 | 6 | -2 | -263 | -240 |
| Depreciation | 36 | 56 | 71 | 102 | 144 | 295 | 325 | 385 | 485 | 683 | 881 | 1,009 | 1,045 |
| Profit before tax | 1,357 | 1,965 | 2,817 | 3,843 | 6,179 | 7,322 | 5,992 | 9,504 | 15,528 | 19,310 | 22,080 | 25,817 | 27,598 |
| Tax % | 34% | 35% | 35% | 35% | 35% | 28% | 26% | 26% | 26% | 25% | 24% | 25% | |
| Net Profit | 898 | 1,279 | 1,836 | 2,496 | 3,995 | 5,264 | 4,420 | 7,028 | 11,508 | 14,451 | 16,779 | 19,332 | 20,648 |
| EPS in Rs | 1.79 | 2.37 | 3.34 | 4.32 | 6.91 | 8.75 | 7.33 | 11.61 | 19.01 | 23.35 | 26.77 | 30.56 | 32.62 |
| Dividend Payout % | 10% | 10% | 11% | 9% | 9% | 11% | 14% | 17% | 16% | 15% | 21% | 20% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 26.0% | 25.0% | 27.0% |
| Profit CAGR | 19.0% | 34.0% | 31.0% |
Shareholding Pattern
Promoters54.67%
FIIs21.97%
DIIs14.39%
Public8.78%
Promoters54.70%
FIIs21.49%
DIIs14.86%
Public8.77%
Promoters54.71%
FIIs21.33%
DIIs15.10%
Public8.73%
Promoters54.68%
FIIs20.20%
DIIs16.30%
Public8.64%
Promoters54.67%
FIIs19.78%
DIIs16.96%
Public8.46%
Promoters55.91%
FIIs19.16%
DIIs12.92%
Public11.75%
Promoters54.69%
FIIs20.55%
DIIs14.33%
Public10.19%
Promoters54.73%
FIIs21.45%
DIIs14.78%
Public8.84%
Promoters54.71%
FIIs21.33%
DIIs15.10%
Public8.73%
Promoters54.67%
FIIs19.78%
DIIs16.96%
Public8.46%
BAJFINANCE
Holdings Analysis
Key strengths & risk signals
80
Overall
89
Fundamental
71
Technical
Risks (4)
NEGLIGIBLE DIVIDEND! 0.56% yield - little to no income.
RECOVERY MODE! Current price (982.1) above 200-day but below 50-day.
WEAK YEAR! Stock declined 9.8% in the last year.
WEAK MOMENTUM! Limited price growth - 2.3% (1 week), -2.4% (1 month), -7.0% (3 months).
Strengths (4)
EXCELLENT EFFICIENCY! 43.5% profit margin - company keeps strong profits.
BULLISH TREND! 50-day average (1031.3) is above 200-day average (971.4) - positive signal.
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 7,909,414 vs down days: 6,398,596. Ratio: 1.24x
Fundamental & Technical Analysis
80Overall
89Fundamental
71Technical
Fundamental Breakdown
Growth Quality
28/30
Revenue CAGR: 22.6% (EXCELLENT, 15/15). Profit CAGR: 18.2% (VERY GOOD, 13/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 43.5% profit margin - company keeps strong profits.
PEG Valuation
8/10
FAIRLY VALUED! PEG of 1.62 indicates reasonable valuation.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0.56% yield - little to no income.
Debt to Equity
10/10
VERY LOW DEBT! D/E of 0.00 - excellent financial health.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 10.99% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
12/10
BULLISH TREND! 50-day average (1031.3) is above 200-day average (971.4) - positive signal.
Price Position
2/10
RECOVERY MODE! Current price (982.1) above 200-day but below 50-day.
Trend Pattern
16/20
TESTING SUPPORT! Stock is at key support level.
52W Performance
3/10
WEAK YEAR! Stock declined 9.8% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 7,909,414 vs down days: 6,398,596. Ratio: 1.24x
RSI
3/5
NEUTRAL! RSI at 47.4 - balanced momentum.
52W Range
3/5
MID RANGE! Trading at 50.0% of 52W range - neutral zone.
Momentum
2/5
WEAK MOMENTUM! Limited price growth - 2.3% (1 week), -2.4% (1 month), -7.0% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.30 - stable stock, less market risk.
BAJFINANCE
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-04 | Concall PDF | |
| Q4FY262026-05-04 | Concall PDF | |
| Q3FY262026-02-07 | Concall PDF | |
| Q2FY262025-11-13 | Concall PDF |
Peer Comparison
Financial Services · Credit Services · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BAJFINANCE | ₹982.10 | 29.4 | 43.5% | 22.6% | 18.2% | -9.8% | 80 | BOUNCE FROM SUPPORT | +27.4% | +9.5% | +21.2% | +7.7% |
| SHRIRAMFIN | ₹940.00 | 16.6 | 50.0% | 13.9% | 18.6% | +39.7% | 70 | APPROACHING SUPPORT | +59.9% | +14.3% | +32.1% | +11.4% |
| TATACAP | ₹322.80 | 25.3 | 39.7% | 34.5% | – | -2.8% | 61 | APPROACHING SUPPORT | – | +3.0% | +15.3% | +5.7% |
| CHOLAFIN | ₹1,574.40 | 23.3 | 40.5% | 32.8% | 25.2% | -4.9% | 70 | APPROACHING RESISTANCE | +45.6% | +0.7% | +27.4% | +2.9% |
| PFC | ₹333.20 | 4.2 | 54.5% | 16.2% | 17.7% | -13.7% | 77 | BREAKOUT | +2.1% | +0.2% | -1.0% | -7.6% |
| IRFC | ₹80.20 | 14.2 | 97.3% | 4.6% | 4.4% | -36.1% | 60 | BREAKOUT | +10.4% | +14.4% | +19.4% | +12.4% |
| MUTHOOTFIN | ₹2,598.30 | 9.2 | 55.5% | 38.0% | 43.1% | -22.6% | 65 | CONSOLIDATING DOWN | +38.8% | -16.4% | +27.4% | -14.7% |
| RECLTD | ₹307.80 | 5.1 | 68.9% | 14.4% | 13.5% | -17.4% | 68 | BREAKOUT | -6.1% | +24.2% | -14.8% | -17.4% |
Data from TradeAlone · Updated daily
BAJFINANCE News
Bajaj Finance Limited (bajfinance) Q2 FY27: AUM, PBT Surge, ROE Hits 20.6%2026-10-19Bajaj Finance Limited (BAJFINANCE) gives up ground after breakout, falls 5% intraday2026-08-07Bajaj Finance Limited (BAJFINANCE) breaks out, gains 5% intraday2026-07-31Bajaj Finance Limited (bajfinance) Q1 FY27: Stellar Performance Across All Key Metrics2026-07-30
