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Financial Services | Large Cap
Health Score : 9.08Bajaj Finance Ltd exhibits exceptional financial health, primarily driven by phenomenal growth and robust profitability. A key strength, based on the provided data, is its complete lack of debt, which provides a foundation of outstanding long-term stability and resilience against economic shifts. The company is expanding its revenues, profits, and assets at an impressive rate, indicating strong market positioning and successful strategies. It also demonstrates high efficiency in its operations, particularly in collecting payments from customers. However, there are areas to note. The company's core operations are currently using more cash than they generate, which is a significant risk factor. Additionally, while most profitability metrics are excellent, the return generated from its large asset base is less impressive. The future outlook appears very positive due to the strong growth momentum, but the negative operational cash flow warrants attention.
Health Score : 9.08Bajaj Finance Ltd exhibits exceptional financial health, primarily driven by phenomenal growth and robust profitability. A key strength, based on the provided data, is its complete lack of debt, which provides a foundation of outstanding long-term stability and resilience against economic shifts. The company is expanding its revenues, profits, and assets at an impressive rate, indicating strong market positioning and successful strategies. It also demonstrates high efficiency in its operations, particularly in collecting payments from customers. However, there are areas to note. The company's core operations are currently using more cash than they generate, which is a significant risk factor. Additionally, while most profitability metrics are excellent, the return generated from its large asset base is less impressive. The future outlook appears very positive due to the strong growth momentum, but the negative operational cash flow warrants attention.
Overall Valuation Score
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Markets Today NSE
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Price Movement Indicator
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P/E RATIO (TTM)
38.02
Industry Median
21.41
Large Cap Median
33.04
P/E RATIO
35.58
P/B RATIO
5.94
Industry Median
1.21
Large Cap Median
4.26
P/S RATIO
8.26
Industry Median
4.58
Large Cap Median
6.91
Others
PEG RATIO
1.04
EV/EBITDA RATIO
19.77
The Calculations Shown Above Are Based on the Last Traded Price (LTP) of ₹1087.4 as on Aug 25, 2026.
Growth Score : 10.00The company is in a phase of exceptional and broad-based expansion. It is posting outstanding growth rates across all key areas, including revenues, operating profits, earnings per share, and total assets. This uniform and high-velocity growth suggests strong market demand, successful execution of its business strategy, and effective market penetration. This powerful growth momentum is a primary driver of value and indicates a very positive outlook for the company's future prospects and market leadership.
Revenue Growth RateExcellentOperating Profit Growth RateExcellentEarnings Per Share (EPS) GrowthExcellentAsset Growth RateExcellentNet Income Growth RateExcellent| Growth Ratios | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue Growth Rate | 18.6 | 30.91 | 32.75 | 26.8 | 17.61 |
| Operating Profit Growth Rate | 56.87 | 61.72 | 24.79 | 14.88 | 17.87 |
| Earnings Per Share (EPS) Growth | 58.39 | 63.74 | 22.83 | 14.65 | 14.16 |
| Asset Growth Rate | 23.93 | 29.52 | 36.52 | 24.06 | 20.13 |
| Net Income Growth Rate | 59 | 63.75 | 25.57 | 16.11 | 15.22 |
Revenue Growth Rate
Operating Profit Growth Rate
Earnings Per Share (EPS) Growth
Asset Growth Rate
Net Income Growth Rate
Peer Comparison empowers investors to evaluate a company against its industry peers using key financial metrics like P/E ratio, EPS, and profit margins. It helps identify whether a company is overvalued, undervalued, or performing in line with competitors. Investors can use this data to spot opportunities, assess risks, and make informed decisions. This contextual view adds depth beyond standalone company analysis.
| NO | Company Name | Health Score | P/E Ratio | Valuation | OPM | EPS | Latest Profit & Loss |
|---|---|---|---|---|---|---|---|
| 1 | BAJFINANCE | 9.08 | 35.58 | Overvalued | N/A | 28.60 | 19332.00 |
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Overall Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Market Sentiment
Analysis Driven By 26 Technical Indicators From The 1 Hour Timeframe
Trend Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Momentum Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Volatility Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Bullish
Volume Score
Strong Bearish
Bearish
Neutral
Bullish
Strong Bullish
Neutral
Concall Report⬤29th Apr 26
Q4 FY26 Earnings Conference Call
BULLISH SENTIMENT
Concall Report⬤10th Nov 25
Q2 FY '26 Earnings Conference Call
NEUTRAL SENTIMENT
No Stock News Available at This Moment.
Bajaj Finance Ltd. is a leading diversified Non-Banking Financial Company (NBFC) in India, offering a broad spectrum of financial products including consumer finance, SME loans, commercial finance, and rural lending. It serves millions of customers with a strong focus on digital innovation and widespread physical presence across the country.
P/E Ratio (TTM): Price to Earnings ratio shows how much an investor pays for every rupee of the company's earnings. Bajaj Finance Ltd's P/E ratio (TTM) is 38.02, compared to the industry median of 21.41 and large cap median of 33.04.
P/B Ratio: Price to Book ratio compares a company's market price to its book value per share. Bajaj Finance Ltd's P/B ratio is 5.94, compared to the industry median of 1.21 and large cap median of 4.26.
P/S Ratio: Price to Sales ratio compares a company's market value to its total revenue. Bajaj Finance Ltd's P/S ratio is 8.26, compared to the industry median of 4.58 and large cap median of 6.91.
PEG Ratio: PEG ratio adjusts the P/E ratio for expected earnings growth. Bajaj Finance Ltd's PEG ratio is 1.04.
EV/EBITDA Ratio: This ratio compares a company's enterprise value to its earnings before interest, tax, depreciation, and amortization. Bajaj Finance Ltd's EV/EBITDA ratio is 19.77.
Return on Equity (ROE): ROE measures how much profit a company generates from shareholders' invested capital. Bajaj Finance Ltd's ROE is 16.96%.
Return on Assets (ROA): ROA measures how efficiently a company converts its assets into net profit. Bajaj Finance Ltd's ROA is 4.83%.
Return on Capital Employed (ROCE): ROCE measures how efficiently a company generates profit from all the capital it employs. Bajaj Finance Ltd's ROCE is 47.79%.
Operating Margin: Operating margin shows what percentage of revenue remains after covering operating expenses. Bajaj Finance Ltd's operating margin is 33.02%.
Net Margin: Net margin shows what percentage of revenue converts into final net profit. Bajaj Finance Ltd's net margin is 23.58%.
Current Ratio: The current ratio measures a company's ability to pay short-term liabilities using short-term assets. Bajaj Finance Ltd's current ratio is 48.46.
Debt to Equity Ratio: This ratio shows the proportion of debt a company uses relative to shareholders' equity. Bajaj Finance Ltd's debt-to-equity ratio is 0.
Interest Coverage Ratio: This ratio shows how easily a company can pay interest on its outstanding debt from its operating earnings. Bajaj Finance Ltd's interest coverage ratio is 1.90.
Dividend Per Share (DPS): DPS shows the total dividend paid per share in the latest financial year. Bajaj Finance Ltd's DPS is ₹6.11.
Earnings Per Share (EPS): EPS shows how much profit is allocated to each outstanding share. Bajaj Finance Ltd's EPS is 14.16.
(Source line: "Ratios as of 25 Aug 2026, based on last traded price of ₹1087.40. Data sourced from BSE/NSE Exchange Filings & Public Terminal Data.")
Founded: 1987 (as Bajaj Auto Finance Limited)
Headquarters: Pune, Maharashtra
Core Offerings: Consumer loans, SME loans, Commercial loans, Rural loans, Fixed Deposits, Insurance distribution
Stock Listing: NSE (BAJFINANCE), BSE (500034)
Promoter: Bajaj Group
Incorporated in 1987 as Bajaj Auto Finance Ltd., primarily focusing on financing Bajaj Auto two-wheelers. The company aggressively diversified into consumer durables, personal loans, and SME financing over the years. It was renamed Bajaj Finance Ltd. in 2010 to reflect its expanded and broader financial services portfolio. Bajaj Finance has consistently emphasized technological advancements and customer base expansion, evolving into one of India's largest and most diversified NBFCs.
| Segment Name | Revenue % | EBITDA |
|---|---|---|
| Consumer Finance | Approx. 39% (based on AUM) | Profitability not segmented at this granularity |
| SME Finance | Approx. 24% (based on AUM) | Profitability not segmented at this granularity |
| Rural Finance | Approx. 14% (based on AUM) | Profitability not segmented at this granularity |
| Commercial Finance | Approx. 8% (based on AUM) | Profitability not segmented at this granularity |
Consumer Finance: Offers diverse loans for consumer durables, lifestyle products, digital products, personal loans, and co-branded EMI cards, catering to individual financial needs across various income segments.
SME Finance: Provides tailored business loans, working capital solutions, and professional loans to small and medium enterprises (SMEs) across various industries.
Rural Finance: Focuses on financial inclusion in rural and semi-urban areas, offering products like farm equipment finance, two/three-wheeler loans, gold loans, and personal loans to underserved populations.
Commercial Finance: Caters to larger businesses and corporate entities, including vendor financing, supply chain finance, and loans to financial institutions and partners.
Rajeev Jain (MD & CEO) - Joined Bajaj Finance in 2007 and has been instrumental in leading its strategic transformation and achieving significant growth to establish it as a premier diversified financial services company in India.
['Bajaj Housing Finance Limited (BHFL): Wholly-owned subsidiary providing housing finance solutions.', 'Bajaj Financial Securities Limited (BFSL): Wholly-owned subsidiary offering demat, broking, and other investment services.']
Notable corporate actions include a 1:1 Bonus Issue in July 2022 and a Qualified Institutional Placement (QIP) of ₹8,500 crore in 2019 to strengthen its capital base and support growth initiatives.
The Bajaj Finance Ltd share price today is ₹1087.40 on NSE (BAJFINANCE), as of 26 Aug 2026.
As of 25 Aug 2026, Bajaj Finance Ltd share price is ₹1087.40, with previous close ₹1087.40. Today's range is ₹1087.40 to ₹1087.40. The 52-week range is ₹1087.40 to ₹1087.40.
As of today, Bajaj Finance Ltd's market cap is ₹6,77,450.2 crore (Large Cap).
Bajaj Finance Ltd's current P/E ratio is 38.02, compared to the BANKING AND FINANCE sector average of 30.50.
Bajaj Finance Ltd's current P/B ratio is 5.94.
Bajaj Finance Ltd's current dividend yield is 0.56%. Last dividend of ₹36.00 per share was declared on 19-Jul-2024.
Bajaj Finance Ltd's EPS (TTM) is ₹14.16.
Bajaj Finance Ltd. is a leading diversified Non-Banking Financial Company (NBFC) in India, offering a broad spectrum of financial products including consumer finance, SME loans, commercial finance, and rural lending. It serves millions of customers with a strong focus on digital innovation and widespread physical presence across the country.
Bajaj Finance Ltd is promoted by Bajaj Group, holding 54.7% as of 25 Aug 2026.
Bajaj Finance Ltd is listed on NSE (BAJFINANCE) and BSE (500034). Its next quarterly results are expected on Late July 2024.
Dividend Per Share (DPS)