Bajaj Finance Ltd
BAJFINANCE
Finance
₹ 1,003
Price
₹ 624,335
Market Cap
Large Cap
35.83
P/E Ratio
📊 Score Snapshot
10.0 / 25
Performance
21.89 / 25
Valuation
1.13 / 20
Growth
7.0 / 30
Profitability
40.03 / 100
Risky
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Adj Cash EPS | -124.79 | -121.33 | -73.89 | -71.31 | -8.42 | -48.23 | -52.92 | -37.53 |
| Adj Cash PAT | -77,418 | -75,090 | -44,728 | -43,166 | -5,080 | -29,016 | -30,595 | -21,686 |
| Adj Cash PAT To PAT | -4.62 | -5.20 | -3.89 | -6.16 | -1.15 | -5.51 | -7.65 | -8.69 |
| Adj Cash PE | - | - | - | - | - | - | - | - |
| Adj EPS | 26.73 | 23.33 | 18.99 | 11.58 | 7.32 | 8.75 | 6.91 | 4.32 |
| Adj Number Of Shares | 621.52 | 618.89 | 605.37 | 605.34 | 603.00 | 601.60 | 578.15 | 577.78 |
| Adj PE | 32.49 | 30.73 | 29.55 | 63.80 | 71.93 | 25.23 | 45.07 | 44.84 |
| Adj Peg | 2.23 | 1.34 | 0.46 | 1.10 | - | 0.95 | 0.75 | 1.53 |
| Bvps | 159.19 | 123.93 | 89.82 | 72.21 | 61.22 | 53.74 | 34.07 | 27.43 |
| Cash Revenue | 69,503 | 109,488 | 82,729 | 62,961 | 53,392 | 52,630 | 36,746 | 25,319 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 0.99 | 1.00 | 1.00 | 0.99 | 0.99 |
| Dividend Yield | 0.65 | 0.49 | 0.54 | 0.27 | 0.19 | 0.44 | 0.20 | 0.20 |
| Fcfe | -16,395 | -15,359 | -6,884 | -15,369 | -7,498 | -10,360 | -1,413 | -21,718 |
| Fcfe Margin | -23.59 | -14.03 | -8.32 | -24.41 | -14.04 | -19.68 | -3.84 | -85.78 |
| Fcfe To Adj PAT | -0.98 | -1.06 | -0.60 | -2.19 | -1.70 | -1.97 | -0.35 | -8.70 |
| Market Cap | 540,611 | 444,097 | 340,024 | 448,442 | 317,914 | 132,803 | 180,047 | 111,951 |
| PB | 5.46 | 5.79 | 6.25 | 10.26 | 8.61 | 4.11 | 9.14 | 7.06 |
| PE | 32.49 | 30.73 | 29.55 | 63.81 | 71.93 | 25.23 | 45.07 | 44.85 |
| Peg | 2.22 | 1.35 | 0.46 | 1.09 | - | 0.95 | 0.75 | 1.53 |
| PS | 7.76 | 4.04 | 4.11 | 7.09 | 5.96 | 2.52 | 4.87 | 4.39 |
| ROE | 19.08 | 22.04 | 23.45 | 17.39 | 12.75 | 20.23 | 22.49 | 19.61 |
| Share Price | 869.82 | 717.57 | 561.68 | 740.81 | 527.22 | 220.75 | 311.42 | 193.76 |
📊 Quarterly Results
| Metric | Sep 2025 | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 | Dec 2022 | Sep 2022 | Jun 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 20,179 | 19,524 | 18,457 | 36,070 | 34,182 | 32,199 | 29,852 | 28,328 | 26,764 | 24,996 | 22,728 | 21,574 | 19,940 | 18,568 |
| Interest | 7,011 | 6,918 | 6,552 | 6,386 | 6,149 | 5,684 | 5,217 | 4,868 | 4,537 | 4,103 | 3,592 | 3,351 | 2,972 | 2,645 |
| Expenses - | 6,307 | 5,992 | 6,026 | 5,691 | 5,338 | 4,956 | 4,420 | 4,229 | 3,931 | 3,693 | 3,382 | 3,308 | 3,129 | 3,026 |
| Financing Profit | 6,861 | 6,614 | 5,879 | 5,958 | 5,604 | 5,460 | 5,289 | 5,066 | 4,914 | 4,703 | 4,390 | 4,129 | 3,869 | 3,613 |
| Financing Margin % | 34.00 | 33.88 | 31.85 | 16.52 | 16.39 | 16.96 | 17.72 | 17.88 | 18.36 | 18.82 | 19.32 | 19.14 | 19.40 | 19.46 |
| Other Income - | 5.16 | 4.60 | 20.71 | 26.23 | 7.64 | 4.78 | 8.78 | 5.02 | 2.30 | 4.67 | 5.14 | 1.74 | 4.12 | 1.60 |
| Depreciation | 258.00 | 251.00 | 252.00 | 219.00 | 210.00 | 200.00 | 193.00 | 176.00 | 159.00 | 156.00 | 134.00 | 119.00 | 121.00 | 111.00 |
| Profit Before Tax | 6,608 | 6,368 | 5,647 | 5,765 | 5,401 | 5,265 | 5,105 | 4,896 | 4,758 | 4,551 | 4,261 | 4,012 | 3,752 | 3,503 |
| Tax % | 25.12 | 25.17 | 19.50 | 25.27 | 25.68 | 25.70 | 25.07 | 25.67 | 25.37 | 24.48 | 25.89 | 25.90 | 25.88 | 25.89 |
| Net Profit - | 4,948 | 4,765 | 4,546 | 4,308 | 4,014 | 3,912 | 3,825 | 3,639 | 3,551 | 3,437 | 3,158 | 2,973 | 2,781 | 2,596 |
| Minority Share | -72.00 | -66.00 | -66.00 | -62.00 | -14.00 | - | - | - | - | - | - | - | - | - |
| Profit Excl Exceptional | 4,948 | 4,765 | 4,546 | 4,308 | 4,014 | 3,912 | 3,825 | 3,639 | 3,551 | 3,437 | 3,158 | 2,973 | 2,781 | 2,596 |
| Profit For PE | 4,875 | 4,700 | 4,480 | 4,247 | 4,000 | 3,912 | 3,825 | 3,639 | 3,551 | 3,437 | 3,158 | 2,973 | 2,781 | 2,596 |
| Profit For EPS | 4,875 | 4,700 | 4,480 | 4,247 | 4,000 | 3,912 | 3,825 | 3,639 | 3,551 | 3,437 | 3,158 | 2,973 | 2,781 | 2,596 |
| EPS In Rs | 7.84 | 7.56 | 7.21 | 6.86 | 6.46 | 6.32 | 6.18 | 5.89 | 5.86 | 5.67 | 5.22 | 4.91 | 4.59 | 4.29 |
| PAT Margin % | 24.52 | 24.41 | 24.63 | 11.94 | 11.74 | 12.15 | 12.81 | 12.85 | 13.27 | 13.75 | 13.89 | 13.78 | 13.95 | 13.98 |
| PBT Margin | 32.75 | 32.62 | 30.60 | 15.98 | 15.80 | 16.35 | 17.10 | 17.28 | 17.78 | 18.21 | 18.75 | 18.60 | 18.82 | 18.87 |
| Tax | 1,660 | 1,603 | 1,101 | 1,457 | 1,387 | 1,353 | 1,280 | 1,257 | 1,207 | 1,114 | 1,103 | 1,039 | 971.00 | 907.00 |
| Yoy Profit Growth % | 22.00 | 20.00 | 17.00 | 17.00 | 13.00 | 14.00 | 21.00 | 22.00 | 28.00 | 32.00 | 31.00 | 40.00 | 88.00 | 159.00 |
| Adj PAT | 4,948 | 4,765 | 4,546 | 4,308 | 4,014 | 3,912 | 3,825 | 3,639 | 3,551 | 3,437 | 3,158 | 2,973 | 2,781 | 2,596 |
| Adj PAT Margin | 24.52 | 24.41 | 24.63 | 11.94 | 11.74 | 12.15 | 12.81 | 12.85 | 13.27 | 13.75 | 13.89 | 13.78 | 13.95 | 13.98 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 | Mar 2017 | Mar 2016 | Mar 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 69,709 | 109,946 | 82,822 | 63,282 | 53,346 | 52,748 | 36,974 | 25,492 | 19,940 | 14,598 | 10,784 |
| Interest | 24,992 | 18,886 | 12,701 | 9,855 | 9,519 | 9,608 | 6,723 | 4,696 | 3,853 | 2,959 | 2,274 |
| Expenses - | 21,754 | 16,099 | 12,693 | 11,880 | 10,839 | 9,159 | 5,454 | 4,115 | 3,250 | 2,354 | 1,752 |
| Financing Profit | 22,963 | 19,989 | 16,018 | 9,906 | 6,314 | 7,608 | 6,310 | 3,935 | 2,867 | 1,986 | 1,367 |
| Financing Margin % | 32.94 | 18.18 | 19.34 | 15.65 | 11.84 | 14.42 | 17.07 | 15.44 | 14.38 | 13.60 | 12.68 |
| Other Income - | 33.15 | 16.25 | 8.72 | 7.50 | 10.18 | 11.23 | 9.65 | 10.57 | 22.15 | 34.91 | 26.01 |
| Exceptional Items | -35.50 | -12.54 | -13.33 | -24.84 | -6.85 | -2.29 | 3.39 | -0.37 | -0.26 | -0.25 | -0.26 |
| Depreciation | 881.00 | 683.00 | 485.00 | 385.00 | 325.00 | 295.00 | 144.00 | 102.00 | 71.00 | 56.00 | 36.00 |
| Profit Before Tax | 22,080 | 19,310 | 15,528 | 9,504 | 5,992 | 7,322 | 6,179 | 3,843 | 2,817 | 1,965 | 1,357 |
| Tax % | 24.01 | 25.16 | 25.89 | 26.05 | 26.23 | 28.11 | 35.35 | 35.05 | 34.82 | 34.91 | 33.82 |
| Net Profit - | 16,779 | 14,451 | 11,508 | 7,028 | 4,420 | 5,264 | 3,995 | 2,496 | 1,836 | 1,279 | 898.00 |
| Minority Share | -142.00 | - | - | - | - | - | - | - | - | - | - |
| Exceptional Items At | -26.00 | -9.00 | -10.00 | -18.00 | -5.00 | -2.00 | 2.00 | - | - | - | - |
| Profit Excl Exceptional | 16,806 | 14,460 | 11,518 | 7,047 | 4,425 | 5,265 | 3,993 | 2,497 | 1,837 | 1,279 | 898.00 |
| Profit For PE | 16,664 | 14,460 | 11,518 | 7,047 | 4,425 | 5,265 | 3,993 | 2,497 | 1,837 | 1,279 | 898.00 |
| Profit For EPS | 16,638 | 14,451 | 11,508 | 7,028 | 4,420 | 5,264 | 3,995 | 2,496 | 1,836 | 1,279 | 898.00 |
| EPS In Rs | 26.77 | 23.35 | 19.01 | 11.61 | 7.33 | 8.75 | 6.91 | 4.32 | 3.34 | 2.37 | 1.79 |
| Dividend Payout % | 21.00 | 15.00 | 16.00 | 17.00 | 14.00 | 11.00 | 9.00 | 9.00 | 11.00 | 10.00 | 10.00 |
| PAT Margin % | 24.07 | 13.14 | 13.89 | 11.11 | 8.29 | 9.98 | 10.80 | 9.79 | 9.21 | 8.76 | 8.33 |
| PBT Margin | 31.67 | 17.56 | 18.75 | 15.02 | 11.23 | 13.88 | 16.71 | 15.08 | 14.13 | 13.46 | 12.58 |
| Tax | 5,301 | 4,859 | 4,020 | 2,476 | 1,572 | 2,058 | 2,184 | 1,347 | 981.00 | 686.00 | 459.00 |
| Adj PAT | 16,752 | 14,442 | 11,498 | 7,010 | 4,415 | 5,262 | 3,997 | 2,496 | 1,836 | 1,279 | 897.83 |
| Adj PAT Margin | 24.03 | 13.14 | 13.88 | 11.08 | 8.28 | 9.98 | 10.81 | 9.79 | 9.21 | 8.76 | 8.33 |
🏦 Balance Sheet
| Metric | Sep 2025 | Mar 2025 | Sep 2024 | Mar 2024 | Sep 2023 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | - | 2,494 | - | 1,984 | - | 1,490 | 1,148 | 962.00 | 711.00 | 438.00 |
| Average Total Assets | 465,308 | 420,934 | 371,286 | 325,484 | - | 243,866 | 191,988 | 167,930 | 144,312 | 104,516 |
| Average Total Equity | 97,258 | 87,816 | 74,395 | 65,534 | - | 49,042 | 40,316 | 34,623 | 26,012 | 17,772 |
| Borrowing | 397,401 | 361,249 | - | 293,346 | - | 216,690 | 165,232 | 131,634 | 129,806 | 101,588 |
| Cwip | 33.00 | 41.00 | 29.00 | 43.00 | 15.00 | 80.00 | 34.00 | 51.00 | - | - |
| Cash Equivalents | 12,001 | 13,544 | 12,360 | 10,624 | 7,552 | 4,305 | 3,680 | 2,164 | 1,383 | 349.00 |
| Fixed Assets | 3,752 | 3,780 | 3,423 | 3,250 | 2,686 | 2,308 | 1,716 | 1,316 | 1,321 | 695.00 |
| Gross Block | - | 6,275 | - | 5,234 | - | 3,797 | 2,864 | 2,278 | 2,032 | 1,133 |
| Investments | 33,751 | 34,441 | 31,036 | 30,881 | 20,722 | 22,752 | 12,246 | 18,397 | 17,544 | 8,599 |
| Loans N Advances | 452,527 | 674.00 | 367,491 | 373.00 | - | 229.00 | 265.00 | 254.00 | 304.00 | 188.00 |
| Long Term Borrowings | - | - | 324,218 | - | 256,549 | - | - | - | 123,699 | 89,085 |
| Net Debt | -45,752 | -47,985 | 280,822 | 251,841 | 228,275 | 189,633 | 149,306 | 111,073 | 110,879 | 92,640 |
| Non Controlling Interest | 2,385 | 2,244 | 2,113 | - | - | - | - | - | - | - |
| Other Asset Items | 6,266 | 411,734 | 4,861 | 328,837 | 289,292 | 244,254 | 193,299 | 148,191 | 142,887 | 113,593 |
| Other Borrowings | - | - | - | 293,346 | - | 216,690 | 165,232 | 131,634 | - | - |
| Other Liability Items | 4,907 | 4,063 | 4,672 | 3,636 | 3,580 | 2,712 | 2,404 | 2,034 | 1,495 | 2,384 |
| Reserves | 102,592 | 96,569 | 86,679 | 76,572 | 59,753 | 54,251 | 43,592 | 36,798 | 32,208 | 19,582 |
| Share Capital | 622.00 | 124.00 | 124.00 | 124.00 | 121.00 | 121.00 | 121.00 | 120.00 | 120.00 | 115.00 |
| Short Term Borrowings | - | - | - | - | - | - | - | - | 6,108 | 12,503 |
| Short Term Loans And Advances | - | - | - | - | - | - | - | - | - | - |
| Total Assets | 509,961 | 466,127 | 420,656 | 375,742 | 321,917 | 275,226 | 212,506 | 171,470 | 164,391 | 124,233 |
| Total Borrowings | - | - | 324,218 | 293,346 | 256,549 | 216,690 | 165,232 | 131,634 | 129,806 | 101,588 |
| Total Equity | 105,599 | 98,937 | 88,916 | 76,696 | 59,874 | 54,372 | 43,713 | 36,918 | 32,328 | 19,697 |
| Total Equity And Liabilities | 509,961 | 466,127 | 420,656 | 375,742 | 321,917 | 275,226 | 212,506 | 171,470 | 164,391 | 124,233 |
| Total Liabilities | 404,362 | 367,190 | 331,740 | 299,046 | 262,043 | 220,854 | 168,793 | 134,552 | 132,063 | 104,536 |
| Trade Payables | 2,054 | 1,878 | 2,850 | 2,064 | 1,913 | 1,452 | 1,157 | 884.00 | 762.00 | 564.00 |
| Trade Receivables | 1,631 | 1,913 | 1,455 | 1,733 | 1,650 | 1,300 | 1,266 | 1,097 | 953.00 | 809.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 | Mar 2018 |
|---|---|---|---|---|---|---|---|---|
| Cash From Financing Activity | 70,527 | 82,415 | 50,675 | 32,275 | 1,741 | 34,167 | 34,449 | 19,503 |
| Cash From Investing Activity | -2,765 | -10,088 | -10,394 | 6,347 | -429.00 | -8,758 | -5,379 | 1,075 |
| Cash From Operating Activity | -68,154 | -69,843 | -42,112 | -37,090 | -807.00 | -24,412 | -29,062 | -20,566 |
| Cash Paid For Investment In Subsidaries And Associates | - | -267.00 | -93.00 | - | - | - | - | - |
| Cash Paid For Loan Advances | -89,988 | -88,194 | -54,412 | -50,348 | -9,574 | -32,881 | -34,827 | -24,643 |
| Cash Paid For Purchase Of Fixed Assets | -1,082 | -1,038 | -878.00 | -634.00 | -309.00 | -508.00 | -398.00 | -135.00 |
| Cash Paid For Purchase Of Investments | -47,899 | -30,255 | -318,410 | -241,181 | -241,586 | -445,355 | -475,921 | -226,086 |
| Cash Paid For Repayment Of Borrowings | -39,027 | -34,376 | -36,474 | -18,436 | -5,594 | - | - | - |
| Cash Paid Towards Cwip | - | - | - | - | - | - | - | - |
| Cash Received From Borrowings | 100,215 | 94,690 | 74,784 | 46,463 | 3,149 | 16,906 | 16,564 | - |
| Cash Received From Issue Of Debentures | - | - | - | - | - | 1,956 | 12,841 | - |
| Cash Received From Issue Of Shares | 1,251 | 9,067 | 158.00 | 173.00 | 103.00 | 8,568 | 57.00 | 4,538 |
| Cash Received From Sale Of Fixed Assets | 36.00 | 39.00 | 20.00 | 19.00 | 11.00 | 7.00 | 31.00 | 1.00 |
| Cash Received From Sale Of Investments | 46,179 | 21,433 | 308,361 | 247,742 | 241,229 | 436,962 | 470,792 | 227,417 |
| Change In Other Working Capital Items | -3,790 | -1,492 | -2,299 | 79.00 | -105.00 | -1,428 | 273.00 | 361.00 |
| Change In Payables | -186.00 | 612.00 | 579.00 | 414.00 | 138.00 | 148.00 | 190.00 | 273.00 |
| Change In Receivables | -206.00 | -458.00 | -93.00 | -321.00 | 46.00 | -118.00 | -228.00 | -173.00 |
| Change In Working Capital | -94,170 | -89,532 | -56,226 | -50,176 | -9,495 | -34,278 | -34,592 | -24,182 |
| Direct Taxes Paid | -5,948 | -5,098 | -3,972 | -2,586 | -1,482 | -2,235 | -2,215 | -1,484 |
| Dividends Paid | -2,225 | -1,815 | -1,207 | -603.00 | -3.00 | -943.00 | -230.00 | -197.00 |
| Dividends Received | 1.00 | - | - | - | - | 1.00 | - | - |
| Interest Paid | - | - | - | - | - | - | - | - |
| Interest Received | - | - | 607.00 | 401.00 | 227.00 | 135.00 | 117.00 | - |
| Net Cash Flow | -392.00 | 2,484 | -1,831 | 1,532 | 505.00 | 998.00 | 9.00 | 13.00 |
| Other Cash Financing Items Paid | -215.00 | 89.00 | -143.00 | -106.00 | -87.00 | -308.00 | -48.00 | 11,721 |
| Other Cash Investing Items Paid | 10,527 | 14,760 | 13,557 | 4,784 | 4,173 | 7,988 | 5,264 | 3,320 |
| Other Cash Operating Items Paid | - | - | - | - | - | - | - | - |
| Profit From Operations | 31,963 | 24,786 | 18,087 | 15,672 | 10,170 | 12,102 | 7,746 | 5,100 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Bajfinance | 2025-09-30 | - | 21.97 | 14.39 | 8.78 | 0.12 |
| Bajfinance | 2025-06-30 | - | 21.71 | 14.52 | 8.92 | 0.03 |
| Bajfinance | 2025-03-31 | - | 21.45 | 14.78 | 8.84 | 0.10 |
| Bajfinance | 2024-12-31 | - | 20.79 | 15.08 | 9.32 | 0.04 |
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