Bajaj Finance is mainly engaged in the business of lending. BFL has a diversified lending portfolio across retail, SME and commercial customers with a significant presence in urban and rural India. It also accepts public and corporate deposits and offers variety of financial services products to its customers.(Source : 202003 Annual Report Page No:124)
Price from Yahoo Finance, delayed · Fundamentals as reportedData as published. No model runs on this page.
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| 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 |
Generated on demand from the fundamentals above plus a live web scan. Takes one to two minutes.
The business narrative, written down and turned into explicit assumptions.
A valuation from those assumptions, under bull, base and bear cases.
Where today's price sits relative to that range.
| 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% |
| 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% |
| Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Equity Capital | 50 | 54 | 109 | 115 | 115 | 120 | 120 | 121 | 121 | 124 | 124 | 622 |
| Reserves | 4,750 |
| 7,373 |
| 9,491 |
| 15,733 |
| 19,582 |
| 32,208 |
| 36,798 |
| 43,592 |
| 54,251 |
| 76,572 |
| 96,569 |
| 113,377 |
| Borrowing | 26,655 | 37,025 | 49,250 | 66,557 | 101,588 | 129,806 | 131,634 | 165,232 | 216,690 | 293,346 | 361,249 | 435,112 |
| Other Liabilities + | 1,325 | 2,522 | 4,881 | 2,393 | 2,948 | 2,257 | 2,918 | 3,561 | 4,164 | 5,700 | 8,185 | 10,841 |
| Total Liabilities | 32,780 | 46,973 | 63,731 | 84,798 | 124,233 | 164,391 | 171,470 | 212,505 | 275,226 | 375,742 | 466,127 | 559,952 |
| Fixed Assets + | 252 | 290 | 366 | 470 | 695 | 1,321 | 1,316 | 1,716 | 2,308 | 3,250 | 3,780 | 3,947 |
| CWIP | 0 | 0 | 0 | 0 | 0 | 0 | 51 | 34 | 80 | 43 | 41 | 119 |
| Investments | 326 | 1,029 | 4,070 | 3,139 | 8,599 | 17,544 | 18,397 | 12,246 | 22,752 | 30,881 | 34,441 | 30,578 |
| Other Assets + | 32,201 | 45,654 | 59,295 | 81,189 | 114,939 | 145,526 | 151,707 | 198,509 | 250,087 | 341,568 | 427,865 | 525,309 |
| Total Assets | 32,780 | 46,973 | 63,731 | 84,798 | 124,233 | 164,391 | 171,470 | 212,505 | 275,226 | 375,742 | 466,127 | 559,952 |