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Bajaj Finance Ltd.

Finance - NBFC

Rating :
67/99

BSE: 500034 | NSE: BAJFINANCE

NSE BSE
7119.50
19-Apr-2024
  • Open
  • High
  • Low
  • Previous Close
  •  6840.05
  •  7150.00
  •  6810.05
  •  6893.20
  • Volume
  • Traded Value (lacs)
  • 52 Week High
  • 52 Week Low
  •  1218375
  •  85205.84
  •  8192.00
  •  5828.00

Stock Summary

  • Market Cap(Crs)
  • Stock P:E
  • Face Value
  • 441,560.92
  • 32.03
  • 2
  • Enterprise Value(Crs)
  • Dividend Yield
  • Price:Book Value
  • 525,948.89
  • 0.42%
  • 6.11

Shareholding Pattern

  • Promoter
  • Corporate
  • Public
  • 54.78%
  • 1.09%
  • 7.95%
  • FII
  • DII
  • Others
  • 20.92%
  • 12.84%
  • 2.42%

Chart

Price | P:E | P:BV | EV:EBITDA | MCap:Sales | EPS

Revenue CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 24.36
  • 17.50
  • 15.76

EBITDA CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 24.72
  • 17.11
  • 12.65

PAT CAGR (%)

  • 10 Years
  • 5 Years
  • 3 Years
  • 30.49
  • 23.56
  • 37.57

P:E (Median)

  • 8 Years
  • 5 Years
  • 3 Years
  • 50.02
  • 48.64
  • 46.30

P:BV (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 8.37
  • 8.39
  • 8.70

EV:EBITDA (Average)

  • 8 Years
  • 5 Years
  • 3 Years
  • 22.55
  • 23.59
  • 25.15

Quarterly Results

Consolidated Figures in Rs. Crores /

Standalone
Description
Dec 23
Dec 22
Var%
Sep 23
Sep 22
Var%
Jun 23
Jun 22
Var%
Mar 23
Mar 22
Var%
Net Sales
14,161.09
10,787.25
31.28%
13,378.26
9,970.13
34.18%
12,497.81
9,284.26
34.61%
11,359.59
8,626.06
31.69%
Expenses
4,228.34
3,307.81
27.83%
3,928.56
3,129.12
25.55%
3,693.55
3,026.24
22.05%
3,377.55
2,691.07
25.51%
EBITDA
9,932.75
7,479.44
32.80%
9,449.70
6,841.01
38.13%
8,804.26
6,258.02
40.69%
7,982.04
5,934.99
34.49%
EBIDTM
70.14%
69.34%
70.63%
68.62%
70.45%
67.40%
70.27%
68.80%
Other Income
4.89
1.68
191.07%
3.49
4.12
-15.29%
2.73
1.60
70.62%
3.55
3.29
7.90%
Interest
4,868.02
3,350.51
45.29%
4,537.06
2,971.97
52.66%
4,102.52
2,645.45
55.08%
3,591.96
2,568.35
39.85%
Depreciation
175.75
118.99
47.70%
158.52
120.87
31.15%
156.09
111.41
40.10%
134.11
104.44
28.41%
PBT
4,893.87
4,011.62
21.99%
4,757.61
3,752.29
26.79%
4,548.38
3,502.76
29.85%
4,259.52
3,265.49
30.44%
Tax
1,256.57
1,038.68
20.98%
1,206.96
971.64
24.22%
1,114.32
906.51
22.92%
1,103.34
845.98
30.42%
PAT
3,637.30
2,972.94
22.35%
3,550.65
2,780.65
27.69%
3,434.06
2,596.25
32.27%
3,156.18
2,419.51
30.45%
PATM
25.69%
27.56%
26.54%
27.89%
27.48%
27.96%
27.78%
28.05%
EPS
58.91
49.20
19.74%
58.66
46.03
27.44%
56.79
43.01
32.04%
52.24
40.10
30.27%

Annual Results

Consolidated Figures in Rs. Crores /

Standalone
Description
TTM
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Net Sales
51,396.75
41,397.38
31,640.45
26,689.57
26,373.77
18,487.14
12,785.86
9,966.71
7,293.54
5,381.80
Net Sales Growth
32.92%
30.84%
18.55%
1.20%
42.66%
44.59%
28.29%
36.65%
35.52%
 
Cost Of Goods Sold
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Gross Profit
51,396.75
41,397.38
31,640.45
26,689.57
26,373.77
18,487.14
12,785.86
9,966.71
7,293.54
5,381.80
GP Margin
100.00%
100%
100%
100%
100%
100%
100%
100%
100%
100%
Total Expenditure
15,228.00
12,692.85
11,905.08
10,867.64
9,161.22
5,454.21
4,156.67
3,250.64
2,353.77
1,891.49
Power & Fuel Cost
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
Employee Cost
-
5,059.13
3,592.44
2,498.67
2,547.96
1,938.53
1,433.62
931.67
629.63
450.73
% Of Sales
-
12.22%
11.35%
9.36%
9.66%
10.49%
11.21%
9.35%
8.63%
8.38%
Manufacturing Exp.
-
2,899.20
2,498.51
1,678.05
1,620.26
1,233.56
987.62
1,034.35
822.21
639.83
% Of Sales
-
7.00%
7.90%
6.29%
6.14%
6.67%
7.72%
10.38%
11.27%
11.89%
General & Admin Exp.
-
1,217.84
715.35
411.54
739.84
566.70
465.43
429.12
336.54
270.58
% Of Sales
-
2.94%
2.26%
1.54%
2.81%
3.07%
3.64%
4.31%
4.61%
5.03%
Selling & Distn. Exp.
-
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
% Of Sales
-
0%
0%
0%
0%
0%
0%
0%
0%
0%
Miscellaneous Exp.
-
3,516.68
5,098.78
6,279.38
4,253.16
1,715.42
1,270.00
855.50
565.39
530.35
% Of Sales
-
8.49%
16.11%
23.53%
16.13%
9.28%
9.93%
8.58%
7.75%
9.85%
EBITDA
36,168.75
28,704.53
19,735.37
15,821.93
17,212.55
13,032.93
8,629.19
6,716.07
4,939.77
3,490.31
EBITDA Margin
70.37%
69.34%
62.37%
59.28%
65.26%
70.50%
67.49%
67.39%
67.73%
64.85%
Other Income
14.66
8.31
7.60
14.95
11.87
13.04
12.43
25.48
40.02
176.03
Interest
17,099.56
12,701.27
9,854.62
9,519.35
9,607.67
6,722.66
4,696.11
3,852.97
2,958.77
2,273.79
Depreciation
624.47
485.38
384.57
325.27
294.63
144.15
102.07
71.17
56.34
35.60
PBT
18,459.38
15,526.19
9,503.78
5,992.26
7,322.12
6,179.16
3,843.44
2,817.41
1,964.68
1,356.95
Tax
4,681.19
4,020.17
2,475.55
1,572.44
2,058.37
2,184.17
1,347.07
981.03
686.05
459.07
Tax Rate
25.36%
25.89%
26.05%
26.24%
28.11%
35.35%
35.05%
34.82%
34.92%
33.83%
PAT
13,778.19
11,507.69
7,028.23
4,419.82
5,263.75
3,994.99
2,496.37
1,836.38
1,278.63
897.88
PAT before Minority Interest
13,778.19
11,507.69
7,028.23
4,419.82
5,263.75
3,994.99
2,496.37
1,836.38
1,278.63
897.88
Minority Interest
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
PAT Margin
26.81%
27.80%
22.21%
16.56%
19.96%
21.61%
19.52%
18.43%
17.53%
16.68%
PAT Growth
27.94%
63.74%
59.02%
-16.03%
31.76%
60.03%
35.94%
43.62%
42.41%
 
EPS
222.95
186.21
113.73
71.52
85.17
64.64
40.39
29.71
20.69
14.53

Results Balance Sheet

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Shareholder's Funds
54,371.98
43,712.69
36,918.41
32,327.63
19,697.02
15,847.84
9,600.26
7,426.76
4,799.71
Share Capital
120.89
120.66
120.32
119.99
115.37
115.03
109.37
53.55
50.00
Total Reserves
53,695.63
43,194.47
36,494.84
31,994.47
19,443.80
15,650.80
9,490.89
7,271.18
4,749.71
Non-Current Liabilities
194,072.14
150,570.25
121,532.16
122,230.65
88,147.60
58,047.59
36,266.42
27,490.99
19,611.22
Secured Loans
138,475.77
110,342.66
82,268.22
89,717.98
70,062.96
46,317.87
27,420.12
22,681.01
16,448.57
Unsecured Loans
55,945.84
40,726.38
39,842.26
33,140.74
18,606.89
12,397.39
5,695.84
2,605.85
1,824.94
Long Term Provisions
380.95
242.82
298.40
121.79
73.12
66.77
3,034.66
2,036.77
1,414.22
Current Liabilities
25,847.46
17,271.81
12,073.93
8,982.72
15,718.86
10,135.39
21,033.03
14,260.91
9,910.19
Trade Payables
2,091.44
1,511.10
1,098.10
959.81
811.54
651.03
309.27
334.91
273.72
Other Current Liabilities
1,458.44
1,574.08
1,433.31
1,056.82
1,966.18
1,620.71
10,002.79
6,953.96
4,699.92
Short Term Borrowings
22,268.88
14,162.49
9,523.06
6,947.71
12,918.00
7,841.96
8,922.42
5,638.49
4,277.83
Short Term Provisions
28.70
24.14
19.46
18.38
23.14
21.69
1,798.55
1,333.55
658.72
Total Liabilities
274,291.58
211,554.75
170,524.50
163,541.00
123,563.48
84,030.82
66,899.71
49,178.66
34,321.12
Net Block
2,307.62
1,716.30
1,315.70
1,320.99
694.84
470.26
366.01
290.27
252.45
Gross Block
3,797.36
2,863.85
2,278.09
2,032.05
1,133.27
788.99
592.30
425.85
346.88
Accumulated Depreciation
1,489.74
1,147.55
962.39
711.06
438.43
318.73
226.29
135.58
94.43
Non Current Assets
261,298.25
204,189.47
152,925.76
146,109.29
114,929.34
80,720.46
35,165.40
27,419.64
19,871.41
Capital Work in Progress
79.84
34.14
51.06
0.00
0.00
0.00
0.00
0.00
0.00
Non Current Investment
16,331.27
10,670.34
4,596.33
3,089.31
1,512.25
1,025.43
762.30
457.15
147.09
Long Term Loans & Adv.
310.59
345.44
275.80
294.69
189.09
88.31
2,008.94
1,893.65
1,351.95
Other Non Current Assets
0.00
0.00
0.00
28.25
20.34
33.96
0.00
0.02
0.25
Current Assets
12,993.33
7,365.28
17,598.74
17,431.71
8,634.14
3,310.36
31,734.31
21,759.02
14,449.71
Current Investments
6,420.57
1,575.20
13,800.58
14,454.59
7,086.78
2,114.00
3,307.21
571.95
179.20
Inventories
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Sundry Debtors
1,299.72
1,265.89
1,096.86
952.56
808.70
638.88
25,654.78
18,493.68
13,079.78
Cash & Bank
4,304.52
3,680.30
2,164.32
1,382.72
348.71
339.66
326.09
1,330.85
229.83
Other Current Assets
968.52
121.90
0.00
171.76
389.95
217.82
2,446.23
1,362.54
960.90
Short Term Loans & Adv.
819.64
721.99
536.98
470.08
389.95
217.82
2,090.40
1,150.69
795.04
Net Current Assets
-12,854.13
-9,906.53
5,524.81
8,448.99
-7,084.72
-6,825.03
10,701.28
7,498.11
4,539.52
Total Assets
274,291.58
211,554.75
170,524.50
163,541.00
123,563.48
84,030.82
66,899.71
49,178.66
34,321.12

Cash Flow

Consolidated Figures in Rs. Crores /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Cash From Operating Activity
-42,140.40
-37,089.90
-807.27
-24,411.70
-29,061.53
-20,565.59
-10,438.95
-9,869.67
0.00
PBT
15,527.86
9,503.78
5,992.26
7,322.12
6,179.16
3,843.44
2,817.41
1,964.68
0.00
Adjustment
2,553.72
6,168.29
4,177.72
4,779.74
1,566.81
1,256.67
4,519.61
3,376.32
0.00
Changes in Working Capital
-56,249.80
-50,175.87
-9,494.94
-34,278.21
-34,592.18
-24,182.12
-13,602.56
476.74
0.00
Cash after chg. in Working capital
-38,168.22
-34,503.80
675.04
-22,176.35
-26,846.21
-19,082.01
-6,265.54
5,817.74
0.00
Interest Paid
0.00
0.00
0.00
0.00
0.00
0.00
-3,167.27
-2,415.60
0.00
Tax Paid
-3,972.18
-2,586.10
-1,482.31
-2,235.35
-2,215.32
-1,483.58
-1,006.14
-739.52
0.00
Other Direct Exp. Paid
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Extra & Other Items
0.00
0.00
0.00
0.00
0.00
0.00
0.00
-12,532.29
0.00
Cash From Investing Activity
-10,365.25
6,346.79
-428.55
-8,757.61
-5,378.93
1,075.43
-3,046.76
-686.82
0.00
Net Fixed Assets
-900.02
-512.30
-280.43
-823.59
-302.79
-195.87
-163.93
-78.97
Net Investments
-12,366.03
3,797.30
-30.14
-9,768.57
-6,716.95
421.24
-3,040.63
-701.78
Others
2,900.80
3,061.79
-117.98
1,834.55
1,640.81
850.06
157.80
93.93
Cash from Financing Activity
50,674.96
32,275.22
1,740.63
34,166.81
34,449.31
19,503.35
12,513.43
11,656.20
0.00
Net Cash Inflow / Outflow
-1,830.69
1,532.11
504.81
997.50
8.85
13.19
-972.28
1,099.71
0.00
Opening Cash & Equivalents
3,381.44
1,849.33
1,344.52
347.02
338.17
324.98
1,297.19
227.81
0.00
Closing Cash & Equivalent
1,550.75
3,381.44
1,849.33
1,344.52
347.02
338.17
324.91
1,327.52
0.00

Financial Ratios

Consolidated /

Standalone
Description
Mar 23
Mar 22
Mar 21
Mar 20
Mar 19
Mar 18
Mar 17
Mar 16
Mar 15
Book Value (Rs.)
890.34
717.97
608.63
535.29
339.07
274.12
175.56
136.78
95.99
ROA
4.74%
3.68%
2.65%
3.67%
3.85%
3.31%
3.16%
3.06%
2.62%
ROE
23.70%
17.59%
12.86%
20.37%
22.62%
19.68%
21.70%
21.09%
18.71%
ROCE
11.76%
10.26%
9.38%
11.95%
12.67%
12.09%
12.91%
12.97%
11.54%
Fixed Asset Turnover
12.43
12.31
12.38
16.66
19.23
18.51
19.58
18.88
15.51
Receivable days
11.31
13.63
14.01
12.19
14.29
375.30
808.40
790.04
887.09
Inventory Days
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
0.00
Payable days
0.00
0.00
0.00
72.29
80.31
69.28
57.57
73.43
88.55
Cash Conversion Cycle
11.31
13.63
14.01
-60.11
-66.02
306.02
750.83
716.60
798.53
Total Debt/Equity
4.03
3.81
3.60
4.04
5.19
4.22
5.13
5.05
5.55
Interest Cover
2.22
1.96
1.63
1.76
1.92
1.82
1.73
1.66
1.60

Annual Reports:

FY 2023
FY 2022
FY 2021
FY 2020
FY 2019
FY 2018
FY 2017
FY 2016

News Update:


  • Bajaj Finance reports 4% growth in new loans during Q4FY24
    5th Apr 2024, 11:43 AM

    Its deposits book stood at around Rs 60,100 crore (provisional) as of March 31, 2024 as compared to Rs 44,666 crore as of March 31, 2023

    Read More
  • Bajaj Finance raises Rs 395.01 crore via NCDs
    22nd Mar 2024, 15:27 PM

    The Debenture Allotment Committee of the company has at its meeting held on March 22, 2024, allotted the same

    Read More
  • Bajaj Finance raises Rs 504.49 crore via NCDs
    18th Mar 2024, 12:59 PM

    The Debenture Allotment Committee of the Company has at its meeting held on March 18, 2024, allotted the same

    Read More
  • Bajaj Finance raises Rs 4,280.04 crore via NCDs
    20th Feb 2024, 14:05 PM

    The Debenture Allotment Committee of the Company has at its meeting held on February 20, 2024, allotted the same

    Read More
  • Bajaj Finance’s arm launches DIY application for home loans
    14th Feb 2024, 17:18 PM

    The newest fully integrated digital journey is a response to consumer expectations of ease and immediacy in the application to approval stages of the home loan process

    Read More
  • Bajaj Finance to acquire 7% stake in RMBS Development Company
    5th Feb 2024, 11:27 AM

    The acquisition will be completed on or before end of March 2024

    Read More
  • RBI imposes Rs 5 lakh penalty on Bajaj Finance’s arm
    3rd Feb 2024, 10:43 AM

    The penalty has been imposed for contravention of certain provisions of the 'Non-Banking Financial Company - Housing Finance Company (Reserve Bank) Directions, 2021

    Read More
  • Bajaj Finance reports 22% rise in Q3 consolidated net profit
    30th Jan 2024, 12:00 PM

    Total consolidated income of the company increased by 31.30% at Rs 14165.98 crore for Q3FY24

    Read More
  • Bajaj Finance to make investment up to Rs 400 crore in Bajaj Financial Securities
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