Bajaj Finserv Ltd. Logo

Bajaj Finserv Ltd.

BAJAJFINSV.NS

(3.0)
Stock Price

1.691,75 INR

0% ROA

11.13% ROE

35.12x PER

Market Cap.

2.932.399.849.451,00 INR

0% DER

0.05% Yield

7.31% NPM

Bajaj Finserv Ltd. Stock Analysis

Bajaj Finserv Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Bajaj Finserv Ltd. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (17.26%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Net Profit Growth

The net profit of this company has steadily increased over the last five years, showcasing a favorable financial performance and making it an enticing option for investors seeking growth potential.

4 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

5 Dividend

The company's consistent dividend payouts over the past five years exemplify its strong commitment to providing shareholders with reliable returns, making it an attractive investment option.

6 ROA

The stock's ROA (1.59%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

7 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (22.582) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

8 PBV

The stock's high Price-to-Book Value (P/BV) ratio (5.06x) suggests it's overvalued, potentially making it an expensive investment.

9 DER

The company has a high debt to equity ratio (387%), which means it owes a lot of money compared to what it actually owns, making it financially risky.

10 Graham Number

Based on the Graham number, this company's stock price appears to be higher than its intrinsic value, signaling a potentially unfavorable investment choice.

11 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

Bajaj Finserv Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Bajaj Finserv Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Hold

Bajaj Finserv Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Bajaj Finserv Ltd. Revenue
Year Revenue Growth
2006 0
2007 3.564.600.000 100%
2008 23.667.800.000 84.94%
2009 29.564.500.000 19.95%
2010 48.257.600.000 38.74%
2011 52.664.800.000 8.37%
2012 69.002.300.000 23.68%
2013 87.461.000.000 21.11%
2014 107.398.600.000 18.56%
2015 132.390.900.000 18.88%
2016 242.880.400.000 45.49%
2017 302.412.200.000 19.69%
2018 377.082.000.000 19.8%
2019 455.647.500.000 17.24%
2020 555.381.900.000 17.96%
2021 674.857.400.000 17.7%
2022 788.402.600.000 14.4%
2023 997.684.000.000 20.98%
2023 1.075.471.899.999 7.23%
2024 1.211.772.400.000 11.25%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Bajaj Finserv Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Bajaj Finserv Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 0
2007 1.100.000 100%
2008 1.400.000 21.43%
2009 1.400.000 0%
2010 3.800.000 63.16%
2011 4.500.000 15.56%
2012 4.700.000 4.26%
2013 6.900.000 31.88%
2014 8.400.000 17.86%
2015 8.900.000 5.62%
2016 9.900.000 10.1%
2017 10.500.000 5.71%
2018 818.700.000 98.72%
2019 1.176.700.000 30.42%
2020 1.497.300.000 21.41%
2021 1.606.800.000 6.81%
2022 2.198.500.000 26.91%
2023 0 0%
2023 2.781.300.000 100%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Bajaj Finserv Ltd. EBITDA
Year EBITDA Growth
2006 0
2007 802.800.000 100%
2008 1.733.600.000 53.69%
2009 6.753.000.000 74.33%
2010 16.173.300.000 58.25%
2011 24.234.500.000 33.26%
2012 30.370.100.000 20.2%
2013 35.221.900.000 13.77%
2014 43.965.900.000 19.89%
2015 54.854.400.000 19.85%
2016 70.768.000.000 22.49%
2017 88.849.200.000 20.35%
2018 -5.401.000.000 1745.05%
2019 -36.613.400.000 85.25%
2020 -21.758.600.000 -68.27%
2021 -19.844.400.000 -9.65%
2022 -11.825.500.000 -67.81%
2023 129.499.600.000 109.13%
2023 -258.389.900.000 150.12%
2024 -306.447.200.000 15.68%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Bajaj Finserv Ltd. Gross Profit
Year Gross Profit Growth
2006 0
2007 3.564.600.000 100%
2008 23.667.800.000 84.94%
2009 29.564.500.000 19.95%
2010 48.257.600.000 38.74%
2011 52.664.800.000 8.37%
2012 69.002.300.000 23.68%
2013 87.461.000.000 21.11%
2014 107.398.600.000 18.56%
2015 132.390.900.000 18.88%
2016 242.880.400.000 45.49%
2017 302.412.200.000 19.69%
2018 377.082.000.000 19.8%
2019 455.647.500.000 17.24%
2020 555.381.900.000 17.96%
2021 674.857.400.000 17.7%
2022 788.402.600.000 14.4%
2023 997.684.000.000 20.98%
2023 1.075.471.899.999 7.23%
2024 1.211.772.400.000 11.25%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Bajaj Finserv Ltd. Net Profit
Year Net Profit Growth
2006 0
2007 -327.500.000 100%
2008 713.100.000 145.93%
2009 5.545.300.000 87.14%
2010 11.148.400.000 50.26%
2011 13.377.700.000 16.66%
2012 15.736.400.000 14.99%
2013 15.440.800.000 -1.91%
2014 16.897.900.000 8.62%
2015 18.632.700.000 9.31%
2016 22.619.200.000 17.62%
2017 27.414.400.000 17.49%
2018 32.190.400.000 14.84%
2019 33.691.300.000 4.45%
2020 44.704.600.000 24.64%
2021 45.567.700.000 1.89%
2022 64.172.800.000 28.99%
2023 77.158.400.000 16.83%
2023 81.477.900.000 5.3%
2024 85.508.000.000 4.71%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Bajaj Finserv Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 0
2007 0 0%
2008 0 0%
2009 4 100%
2010 8 57.14%
2011 9 22.22%
2012 10 10%
2013 10 -11.11%
2014 11 10%
2015 12 9.09%
2016 14 21.43%
2017 17 17.65%
2018 20 15%
2019 21 4.76%
2020 28 25%
2021 29 0%
2022 40 30%
2023 48 16.67%
2023 51 5.88%
2024 54 3.77%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Bajaj Finserv Ltd. Free Cashflow
Year Free Cashflow Growth
2008 71.539.500.000
2009 66.205.800.000 -8.06%
2010 2.643.700.000 -2404.29%
2011 13.518.900.000 80.44%
2012 15.909.100.000 15.02%
2013 15.749.600.000 -1.01%
2014 17.279.400.000 8.85%
2015 19.209.900.000 10.05%
2016 23.345.500.000 17.71%
2017 25.036.500.000 6.75%
2018 -276.250.800.000 109.06%
2019 -242.483.500.000 -13.93%
2020 40.765.500.000 694.83%
2021 -345.797.900.000 111.79%
2022 -407.000.300.000 15.04%
2023 0 0%
2023 -651.335.400.000 100%
2024 0 0%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Bajaj Finserv Ltd. Operating Cashflow
Year Operating Cashflow Growth
2008 71.539.500.000
2009 66.205.800.000 -8.06%
2010 2.643.700.000 -2404.29%
2011 13.518.900.000 80.44%
2012 15.909.100.000 15.02%
2013 15.749.600.000 -1.01%
2014 17.279.400.000 8.85%
2015 19.209.900.000 10.05%
2016 23.345.500.000 17.71%
2017 28.448.700.000 17.94%
2018 -270.763.700.000 110.51%
2019 -233.690.300.000 -15.86%
2020 45.474.000.000 613.9%
2021 -336.699.900.000 113.51%
2022 -394.795.400.000 14.72%
2023 0 0%
2023 -636.980.700.000 100%
2024 0 0%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Bajaj Finserv Ltd. Capital Expenditure
Year Capital Expenditure Growth
2008 0
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 3.412.200.000 100%
2018 5.487.100.000 37.81%
2019 8.793.200.000 37.6%
2020 4.708.500.000 -86.75%
2021 9.098.000.000 48.25%
2022 12.204.900.000 25.46%
2023 0 0%
2023 14.354.700.000 100%
2024 0 0%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Bajaj Finserv Ltd. Equity
Year Equity Growth
2007 23.562.400.000
2008 24.318.100.000 3.11%
2009 35.289.800.000 31.09%
2010 51.430.800.000 31.38%
2011 73.108.500.000 29.65%
2012 108.744.600.000 32.77%
2013 130.366.100.000 16.59%
2014 153.145.900.000 14.87%
2015 194.751.800.000 21.36%
2016 233.511.600.000 16.6%
2017 322.296.300.000 27.55%
2018 365.735.700.000 11.88%
2019 508.614.000.000 28.09%
2020 582.939.800.000 12.75%
2021 663.195.200.000 12.1%
2022 775.980.800.000 14.53%
2023 1.037.758.500.000 25.23%
2023 849.434.000.000 -22.17%
2024 1.037.758.500.000 18.15%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Bajaj Finserv Ltd. Assets
Year Assets Growth
2007 181.630.300.000
2008 225.345.900.000 19.4%
2009 394.556.100.000 42.89%
2010 539.777.100.000 26.9%
2011 594.472.600.000 9.2%
2012 653.788.800.000 9.07%
2013 743.936.600.000 12.12%
2014 882.684.200.000 15.72%
2015 1.034.450.300.000 14.67%
2016 1.286.172.700.000 19.57%
2017 1.591.261.400.000 19.17%
2018 2.085.487.100.000 23.7%
2019 2.513.841.900.000 17.04%
2020 2.801.643.200.000 10.27%
2021 3.337.189.600.000 16.05%
2022 4.055.091.900.000 17.7%
2023 5.379.296.300.000 24.62%
2023 4.693.241.800.000 -14.62%
2024 0 0%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Bajaj Finserv Ltd. Liabilities
Year Liabilities Growth
2007 158.067.900.000
2008 201.027.800.000 21.37%
2009 359.266.300.000 44.04%
2010 488.346.300.000 26.43%
2011 521.364.100.000 6.33%
2012 545.044.200.000 4.34%
2013 613.570.500.000 11.17%
2014 729.538.300.000 15.9%
2015 839.698.500.000 13.12%
2016 1.052.661.100.000 20.23%
2017 1.268.965.100.000 17.05%
2018 1.719.751.400.000 26.21%
2019 2.005.227.900.000 14.24%
2020 2.218.703.400.000 9.62%
2021 2.673.994.400.000 17.03%
2022 3.279.111.100.000 18.45%
2023 4.341.537.800.000 24.47%
2023 3.843.807.800.000 -12.95%
2024 0 0%

Bajaj Finserv Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
716.16
Net Income per Share
52.34
Price to Earning Ratio
35.12x
Price To Sales Ratio
2.57x
POCF Ratio
332.25
PFCF Ratio
332.53
Price to Book Ratio
2.82
EV to Sales
2.57
EV Over EBITDA
-35.98
EV to Operating CashFlow
332.53
EV to FreeCashFlow
332.53
Earnings Yield
0.03
FreeCashFlow Yield
0
Market Cap
2.932,40 Bil.
Enterprise Value
2.932,40 Bil.
Graham Number
875.64
Graham NetNet
0

Income Statement Metrics

Net Income per Share
52.34
Income Quality
0.11
ROE
0.11
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.38
EBT Per Ebit
0.78
Ebit per Revenue
0.25
Effective Tax Rate
0.28

Margins

Sales, General, & Administrative to Revenue
0.01
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.25
Pretax Profit Margin
0.19
Net Profit Margin
0.07

Dividends

Dividend Yield
0
Dividend Yield %
0.05
Payout Ratio
0
Dividend Per Share
1

Operating Metrics

Operating Cashflow per Share
5.53
Free CashFlow per Share
5.53
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.2
Return on Tangible Assets
0
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0

Balance Sheet

Cash per Share
0,00
Book Value per Share
0,00
Tangible Book Value per Share
0
Shareholders Equity per Share
651.07
Interest Debt per Share
125.29
Debt to Equity
0
Debt to Assets
0
Net Debt to EBITDA
0
Current Ratio
0
Tangible Asset Value
0,00 Bil.
Net Current Asset Value
0,00 Bil.
Invested Capital
0
Working Capital
0,00 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
31,39 Bil.
Average Inventory
0
Debt to Market Cap
0

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Bajaj Finserv Ltd. Dividends
Year Dividends Growth
2008 0
2009 0 0%
2010 0 0%
2011 1 0%
2012 1 0%
2013 1 0%
2014 1 0%
2015 1 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 1 100%
2020 3 50%
2021 2 -100%
2022 2 50%
2023 1 0%
2024 1 100%

Bajaj Finserv Ltd. Profile

About Bajaj Finserv Ltd.

Bajaj Finserv Ltd., through its subsidiaries, provides financial services in India. The company operates through Life Insurance, General Insurance, Windmill, Retail Financing, and Investments and Others segments. It offers personal, business, home, commercial, and gold loans; two and three wheeler loans; mortgages; unsecured and secured loans; loans against securities and properties; financing for products, such as consumer durable, digital, lifecare, furniture, etc.; and lease rental discounting products. The company also provides investment products, including fixed and term deposits, demat accounts, systematic deposit plans, and mutual funds; life, health, motor, car, two-wheeler, marine, home, crop, pocket, and travel insurance products; finance for professionals; savings products, wealth management and retirement planning services, and annuities; healthcare needs for the family; extended warranty, asset care, and financial fitness report services; and wallets and credit cards. In addition, it offers payments; SME finance products; and trading account, depository, margin trading, and HNI and retail broking services. Further, the company owns and operates 138 windmills with total installed capacity of 65.2 megawatts. Bajaj Finserv Ltd. was incorporated in 2007 and is based in Pune, India.

CEO
Mr. Tarun Chugh
Employee
92.079
Address
Bajaj Finserv Corporate Office
Pune, 411014

Bajaj Finserv Ltd. Executives & BODs

Bajaj Finserv Ltd. Executives & BODs
# Name Age
1 Mr. Anish Praful Amin
President of Group Assurance, Risk and Human Resources
70
2 Mr. Purav A. Jhaveri C.F.A., F.R.M.
President of Investments & Chief Information Officer
70
3 Mr. V. Rajagopalan
President of Legal & Taxation
70
4 Mr. Sanjivnayan Rahulkumar Bajaj
Executive Chairman & MD
70
5 Ms. Uma Omkar Shende
Company Secretary & Compliance Officer
70
6 Ms. Freeda Dsouza
Head of Group Corporate Communications
70
7 Mr. Rakesh Bhatt BSc, MCA
Executive Director of Bajaj Finance Ltd.
70
8 Mr. Kurush Homi Irani
President & Group Head of CSR
70
9 Mr. Tarun Chugh
MD & Chief Executive Officer of Bajaj Allianz Life Insurance Company Ltd.
70
10 Mr. Sreenivasan Sivasubramoniam
Chief Financial Officer
70

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