Bajaj Finance Limited Logo

Bajaj Finance Limited

BAJFINANCE.NS

(3.0)
Stock Price

6.895,95 INR

0% ROA

21.86% ROE

29.77x PER

Market Cap.

4.441.590.231.093,00 INR

0% DER

0.5% Yield

35.12% NPM

Bajaj Finance Limited Stock Analysis

Bajaj Finance Limited 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 Finance Limited Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (25.83%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 Assets Growth

With continuous growth in revenue over the last five years, this company has proven to be a lucrative investment option, showcasing its strong financial performance.

4 Dividend

Investors can take comfort in the company's unwavering commitment to dividends, as it has consistently distributed payouts over the past five years, ensuring a reliable income stream.

5 ROA

The stock's ROA (3.82%) 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.

6 Net Profit Growth

With continuous net profit growth in the past three years, this company demonstrates a strong financial performance, making it an enticing investment opportunity.

7 Dividend Growth

The company's dividend growth has been consistently strong over the past three years, with annual increases that demonstrate its commitment to rewarding shareholders.

8 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (22.321), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

9 PBV

The stock's elevated P/BV ratio (7.3x) raises concerns about its overvaluation, making it an imprudent choice for investors seeking value.

10 DER

The stock is burdened with a heavy load of debt (337%), making it financially unstable and potentially risky for investors.

11 Graham Number

The Graham number analysis indicates that this company's stock price is likely overpriced, raising concerns about its investment potential.

Bajaj Finance Limited 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 Finance Limited Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

Bajaj Finance Limited 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 Finance Limited Revenue
Year Revenue Growth
2004 1.453.261.768
2005 2.101.118.058 30.83%
2006 -1.180.941.431 277.92%
2007 -1.703.799.779 30.69%
2008 -1.643.464.340 -3.67%
2009 -2.016.652.229 18.51%
2010 12.838.400.000 115.71%
2011 15.785.400.000 18.67%
2012 21.189.400.000 25.5%
2013 27.794.300.000 23.76%
2014 35.458.700.000 21.62%
2015 47.431.200.000 25.24%
2016 65.861.000.000 27.98%
2017 92.206.000.000 28.57%
2018 111.619.300.000 17.39%
2019 158.560.500.000 29.6%
2020 160.225.700.000 1.04%
2021 201.466.200.000 20.47%
2022 269.543.300.000 25.26%
2023 334.869.200.000 19.51%
2023 343.263.200.000 2.45%
2024 644.092.400.000 46.71%

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 Finance Limited Research and Development Expenses
Year Research and Development Expenses Growth
2004 0
2005 0 0%
2006 0 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 Finance Limited General and Administrative Expenses
Year General and Administrative Expenses Growth
2004 529.977.239
2005 989.713.594 46.45%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 9.600.000 100%
2011 2.800.000 -242.86%
2012 2.900.000 3.45%
2013 4.600.000 36.96%
2014 5.100.000 9.8%
2015 5.500.000 7.27%
2016 6.500.000 15.38%
2017 7.400.000 12.16%
2018 176.300.000 95.8%
2019 260.500.000 32.32%
2020 187.400.000 -39.01%
2021 278.300.000 32.66%
2022 293.700.000 5.24%
2023 0 0%
2023 535.900.000 100%
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 Finance Limited EBITDA
Year EBITDA Growth
2004 675.027.165
2005 566.803.382 -19.09%
2006 -918.679.271 161.7%
2007 -1.552.652.854 40.83%
2008 -1.419.844.281 -9.35%
2009 -997.285.769 -42.37%
2010 7.609.000.000 113.11%
2011 -1.289.500.000 690.07%
2012 18.455.600.000 106.99%
2013 23.672.100.000 22.04%
2014 32.380.300.000 26.89%
2015 46.058.600.000 29.7%
2016 62.434.400.000 26.23%
2017 83.509.300.000 25.24%
2018 61.791.600.000 -35.15%
2019 73.221.200.000 15.61%
2020 59.922.600.000 -22.19%
2021 95.037.800.000 36.95%
2022 155.278.600.000 38.8%
2023 196.651.200.000 21.04%
2023 199.928.900.000 1.64%
2024 285.892.800.000 30.07%

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 Finance Limited Gross Profit
Year Gross Profit Growth
2004 1.453.261.768
2005 2.101.118.058 30.83%
2006 -1.180.941.431 277.92%
2007 -1.703.799.779 30.69%
2008 -1.643.464.340 -3.67%
2009 -2.016.652.229 18.51%
2010 12.838.400.000 115.71%
2011 21.630.200.000 40.65%
2012 21.189.400.000 -2.08%
2013 27.794.300.000 23.76%
2014 35.458.700.000 21.62%
2015 17.280.100.000 -105.2%
2016 26.619.600.000 35.09%
2017 80.235.800.000 66.82%
2018 93.331.100.000 14.03%
2019 129.868.200.000 28.13%
2020 126.713.400.000 -2.49%
2021 159.466.100.000 20.54%
2022 219.128.300.000 27.23%
2023 334.869.200.000 34.56%
2023 129.868.100.000 -157.85%
2024 386.576.000.000 66.41%

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 Finance Limited Net Profit
Year Net Profit Growth
2004 556.881.452
2005 376.854.679 -47.77%
2006 472.210.612 20.19%
2007 201.216.978 -134.68%
2008 339.147.541 40.67%
2009 893.981.292 62.06%
2010 2.469.600.000 63.8%
2011 4.064.400.000 39.24%
2012 5.913.100.000 31.26%
2013 7.190.100.000 17.76%
2014 8.978.800.000 19.92%
2015 12.786.300.000 29.78%
2016 18.363.800.000 30.37%
2017 26.741.100.000 31.33%
2018 39.949.900.000 33.06%
2019 52.637.500.000 24.1%
2020 44.198.200.000 -19.09%
2021 70.282.300.000 37.11%
2022 115.076.900.000 38.93%
2023 142.032.000.000 18.98%
2023 144.511.700.000 1.72%
2024 156.479.200.000 7.65%

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 Finance Limited Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2004 3
2005 1 -200%
2006 2 0%
2007 1 0%
2008 1 0%
2009 2 100%
2010 7 66.67%
2011 10 40%
2012 14 23.08%
2013 14 7.14%
2014 18 17.65%
2015 24 29.17%
2016 34 29.41%
2017 48 27.66%
2018 69 31.88%
2019 90 22.47%
2020 74 -21.92%
2021 117 37.07%
2022 191 38.95%
2023 235 18.8%
2023 237 0.85%
2024 253 6.72%

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 Finance Limited Free Cashflow
Year Free Cashflow Growth
2004 -2.846.907.821
2005 -4.450.936.449 36.04%
2006 -4.710.691.936 5.51%
2007 321.270.088 1566.27%
2008 -1.323.318.205 124.28%
2009 -15.597.481.752 91.52%
2010 -28.418.400.000 45.11%
2011 -46.199.500.000 38.49%
2012 -33.233.400.000 -39.02%
2013 -61.605.500.000 46.05%
2014 -71.300.400.000 13.6%
2015 -98.871.300.000 27.89%
2016 -106.484.300.000 7.15%
2017 -206.692.700.000 48.48%
2018 -295.449.200.000 30.04%
2019 -249.333.200.000 -18.5%
2020 -11.904.400.000 -1994.46%
2021 -376.627.900.000 96.84%
2022 -430.187.200.000 12.45%
2023 0 0%
2023 -737.979.200.000 100%
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 Finance Limited Operating Cashflow
Year Operating Cashflow Growth
2004 -2.846.907.821
2005 -4.450.936.449 36.04%
2006 -4.710.691.936 5.51%
2007 321.270.088 1566.27%
2008 -1.323.318.205 124.28%
2009 -15.597.481.752 91.52%
2010 -28.418.400.000 45.11%
2011 -45.680.600.000 37.79%
2012 -32.658.500.000 -39.87%
2013 -60.865.700.000 46.34%
2014 -70.641.700.000 13.84%
2015 -97.918.800.000 27.86%
2016 -104.992.900.000 6.74%
2017 -204.613.900.000 48.69%
2018 -291.466.900.000 29.8%
2019 -244.261.800.000 -19.33%
2020 -8.809.500.000 -2672.71%
2021 -370.286.200.000 97.62%
2022 -421.404.000.000 12.13%
2023 0 0%
2023 -727.601.400.000 100%
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 Finance Limited Capital Expenditure
Year Capital Expenditure Growth
2004 0
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 518.900.000 100%
2012 574.900.000 9.74%
2013 739.800.000 22.29%
2014 658.700.000 -12.31%
2015 952.500.000 30.85%
2016 1.491.400.000 36.13%
2017 2.078.800.000 28.26%
2018 3.982.300.000 47.8%
2019 5.071.400.000 21.48%
2020 3.094.900.000 -63.86%
2021 6.341.700.000 51.2%
2022 8.783.200.000 27.8%
2023 0 0%
2023 10.377.800.000 100%
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 Finance Limited Equity
Year Equity Growth
2004 2.757.730.840
2005 4.950.469.185 44.29%
2006 9.959.207.744 50.29%
2007 10.633.857.207 6.34%
2008 10.887.373.590 2.33%
2009 11.525.404.831 5.54%
2010 13.581.100.000 15.14%
2011 20.335.700.000 33.22%
2012 33.670.400.000 39.6%
2013 39.916.400.000 15.65%
2014 48.000.100.000 16.84%
2015 74.274.000.000 35.37%
2016 1.962.903.400.000 96.22%
2017 749.703.400.000 -161.82%
2018 1.077.431.500.000 30.42%
2019 1.250.522.900.000 13.84%
2020 1.409.280.100.000 11.27%
2021 1.749.198.500.000 19.43%
2022 2.226.797.600.000 21.45%
2023 598.744.800.000 -271.91%
2023 2.992.662.500.000 79.99%
2024 766.953.500.000 -290.2%

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 Finance Limited Assets
Year Assets Growth
2004 14.219.592.791
2005 22.191.913.794 35.92%
2006 35.420.676.883 37.35%
2007 38.457.648.134 7.9%
2008 40.423.134.513 4.86%
2009 48.225.687.649 16.18%
2010 85.181.200.000 43.38%
2011 129.266.800.000 34.1%
2012 178.211.700.000 27.46%
2013 246.180.000.000 27.61%
2014 328.113.300.000 24.97%
2015 464.566.000.000 29.37%
2016 637.246.300.000 27.1%
2017 868.243.400.000 26.61%
2018 1.242.325.000.000 30.11%
2019 1.643.913.700.000 24.43%
2020 1.715.268.700.000 4.16%
2021 2.125.053.600.000 19.28%
2022 2.752.286.700.000 22.79%
2023 3.219.170.300.000 14.5%
2023 3.757.416.200.000 14.32%
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 Finance Limited Liabilities
Year Liabilities Growth
2004 11.461.861.951
2005 17.241.444.609 33.52%
2006 25.461.469.139 32.28%
2007 27.823.790.927 8.49%
2008 29.535.760.923 5.8%
2009 36.700.282.818 19.52%
2010 71.600.100.000 48.74%
2011 108.931.100.000 34.27%
2012 144.541.300.000 24.64%
2013 206.263.600.000 29.92%
2014 280.113.200.000 26.36%
2015 390.292.000.000 28.23%
2016 541.243.700.000 27.89%
2017 702.786.900.000 22.99%
2018 1.045.354.800.000 32.77%
2019 1.320.637.400.000 20.84%
2020 1.346.084.600.000 1.89%
2021 1.687.926.700.000 20.25%
2022 2.208.566.900.000 23.57%
2023 2.620.425.500.000 15.72%
2023 2.990.462.700.000 12.37%
2024 0 0%

Bajaj Finance Limited Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
687.46
Net Income per Share
241.45
Price to Earning Ratio
29.77x
Price To Sales Ratio
10.45x
POCF Ratio
664.58
PFCF Ratio
664.37
Price to Book Ratio
5.79
EV to Sales
10.45
EV Over EBITDA
19.8
EV to Operating CashFlow
664.37
EV to FreeCashFlow
664.37
Earnings Yield
0.03
FreeCashFlow Yield
0
Market Cap
4.441,59 Bil.
Enterprise Value
4.441,59 Bil.
Graham Number
2596.1
Graham NetNet
0

Income Statement Metrics

Net Income per Share
241.45
Income Quality
0.04
ROE
0.22
Return On Assets
0
Return On Capital Employed
0
Net Income per EBT
0.75
EBT Per Ebit
0.92
Ebit per Revenue
0.51
Effective Tax Rate
0.25

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0.01
Gross Profit Margin
0.46
Operating Profit Margin
0.51
Pretax Profit Margin
0.47
Net Profit Margin
0.35

Dividends

Dividend Yield
0.01
Dividend Yield %
0.5
Payout Ratio
0
Dividend Per Share
36

Operating Metrics

Operating Cashflow per Share
10.81
Free CashFlow per Share
10.81
Capex to Operating CashFlow
0
Capex to Revenue
0
Capex to Depreciation
0
Return on Invested Capital
0.21
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
1240.62
Interest Debt per Share
328.47
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
8,67 Bil.
Average Payables
10,32 Bil.
Average Inventory
56787500000
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 Finance Limited Dividends
Year Dividends Growth
2003 2
2004 3 0%
2005 4 33.33%
2006 2 -200%
2007 1 0%
2008 0 0%
2009 1 0%
2010 3 100%
2011 5 50%
2012 6 20%
2013 8 28.57%
2014 8 12.5%
2015 9 11.11%
2016 13 25%
2017 4 -300%
2018 4 25%
2019 6 33.33%
2020 10 40%
2021 10 0%
2022 20 50%
2023 30 33.33%
2024 36 16.67%

Bajaj Finance Limited Profile

About Bajaj Finance Limited

Bajaj Finance Limited operates as a non-banking financial company in India. The company offers consumer durable, lifestyle, lifecare, digital product, two and three wheeler, developer, used car, medical equipment, vendor, light engineering, specialty chemicals, financial institution, corporate, and warehouse finance services; IPO and ESOP finance, margin trading finance, trading account, depository, and HNI and retail broking services; personal, gold, home, business, working capital, secured enterprise, and professional loans; and loan against fixed deposits, shares, properties, and securities. It also provides life, general, and health insurance, as well as pocket insurance products; extended warranty, e-commerce, and lease rental discounting services; financial fitness reports; and EMI cards, and co-branded credit cards and wallets, as well as offers investment services, such as systematic deposit plan, fixed and term deposits, and mutual funds. The company was formerly known as Bajaj Auto Finance Limited and changed its name to Bajaj Finance Limited. The company was incorporated in 1987 and is based in Pune, India. Bajaj Finance Limited is a subsidiary of Bajaj Finserv Limited.

CEO
Mr. Rajeev A. Jain
Employee
43.147
Address
Panchshil Tech Park
Pune, 411014

Bajaj Finance Limited Executives & BODs

Bajaj Finance Limited Executives & BODs
# Name Age
1 Mr. Rajeev A. Jain
MD & Executive Director
70
2 Mr. Anup Kumar Saha
Deputy Managing Director
70
3 Mr. Sandeep Vijay Kumar Jain
Chief Financial Officer & Co-Chief Operating Officer
70
4 Mr. Deepak Bagati
President of Debt Management Services & Co-Chief Operating Officer
70
5 Mr. Anurag Chottani
Chief Technology Officer & Co-Chief Operating Officer
70
6 Mr. Deepak Kumar Gupta Reddy
President of Rural Businesses, Fixed Deposits, Investments, Insurance Services & Distribution
70
7 Mr. Anupam Krishna Sirbhaiya
Chief Human Resources & Administrative Officer
70
8 Mr. Ramachandran Vijay
Company Secretary & Compliance Officer
70
9 Mr. Babu Rao
General Counsel
70
10 Mr. Kurush Homi Irani
President of Credit Operations, Customer Experience & Wallets Business
70

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