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Bajaj Finance Limited
Fundamental Score
Bajaj Finance Limited Share Price & Market Analysis
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of BAJFINANCE across key market metrics for learning purposes.
Positive Indicators
10 factors identified
Strong Return on Equity (19.22%)
Observation: Efficient use of shareholders' capital generating superior returns.
Analysis: ROE >15% indicates strong profitability and effective management. This metric suggests the company can generate substantial returns on invested capital.
Strong Operating Margins (67.35%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Robust Profit Growth (20.13%)
Observation: Strong year-over-year profit expansion demonstrates business momentum.
Analysis: Profit growth >20% indicates effective execution and market opportunity capture. This suggests positive business trajectory.
Strong Revenue Growth (21.27%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential. This indicates business expansion success.
Consistent Growth Track Record (21.46% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (25.10% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (25.91% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Balanced Promoter Holding (54.73%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Strong Institutional Confidence (FII+DII: 36.23%)
Observation: Significant professional investor participation indicates quality recognition.
Analysis: High institutional holding often signals thorough due diligence and quality business fundamentals.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
6 factors identified
Elevated Debt Levels (D/E: 3.74)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.89x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-221822.70 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
📊 Educational Market Overview
Disclaimer: The ratings and scores are generated algorithmically from publicly available market data and are provided for educational and informational purposes only. They do not constitute investment advice, recommendation, or solicitation to buy/sell any securities.
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Financial Statements
Comprehensive financial data for Bajaj Finance Limited
About BAJFINANCE
Company Details
Market Information
Performance
BAJFINANCE Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of BAJFINANCE?
BAJFINANCE is currently trading at ₹1036.75 with a gain of 0.00% today. The current market price (CMP) represents the last traded price of BAJFINANCE shares on the stock exchange. This price fluctuates throughout trading hours based on supply and demand. You can track real-time price movements, percentage changes, and trading volume in the header section.
What is the P/E ratio of BAJFINANCE and what does it mean?
BAJFINANCE has a P/E ratio of 36.77x compared to the industry average of 23.38x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹37 for every ₹1 of annual earnings. This is higher than the industry average, suggesting either growth premium or potential overvaluation.
How is BAJFINANCE performing according to Bull Run's analysis?
BAJFINANCE has a Bull Run fundamental score of 67.7/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability (ROE: 19.22%), growth metrics, valuation ratios, and financial health indicators. The score updates quarterly with new financial data and helps you quickly assess overall investment quality.
What sector and industry does BAJFINANCE belong to?
BAJFINANCE operates in the Finance industry. This sector classification helps understand the broader economic trends, regulatory framework, and competitive landscape affecting Bajaj Finance Limited. Companies in this industry typically face similar market dynamics, cyclical patterns, and macroeconomic factors. Understanding the industry context is crucial for peer comparison and assessing how sector-specific trends might impact the stock's performance.
What is Return on Equity (ROE) and why is it important for BAJFINANCE?
BAJFINANCE has an ROE of 19.22%, which indicates excellent management efficiency and profitable operations. Return on Equity measures how efficiently Bajaj Finance Limited generates profits from shareholders' equity. An ROE of 19% means the company generates ₹19 profit for every ₹100 of shareholders' equity. This metric is crucial for assessing management's ability to create value for shareholders.
How is BAJFINANCE's debt-to-equity ratio and what does it indicate?
BAJFINANCE has a debt-to-equity ratio of 3.74, which indicates high leverage that increases financial risk. This means the company has ₹374 of debt for every ₹100 of equity. Higher leverage can amplify returns during good times but increases bankruptcy risk during downturns.
What is BAJFINANCE's dividend yield and is it a good dividend stock?
BAJFINANCE offers a dividend yield of 0.43%, which means you receive ₹0.43 annual dividend for every ₹100 invested. The focus appears to be more on growth rather than dividend income. Dividend yield is calculated as annual dividend per share ÷ current share price × 100. Evaluate dividend consistency over 5+ years and free cash flow coverage for sustainability.
How has BAJFINANCE grown over the past 5 years?
BAJFINANCE has achieved 5-year growth rates of: Sales Growth 21.46%, Profit Growth 25.91%, and EPS Growth 25.10%. This consistent double-digit growth indicates a strong business model and competitive positioning. Sales growth indicates market expansion, profit growth shows operational efficiency, and EPS growth directly impacts share price appreciation potential.
What is the promoter holding in BAJFINANCE and why does it matter?
Promoters hold 54.73% of BAJFINANCE shares, with 0.00% of promoter shares pledged. This high promoter holding indicates strong management confidence and alignment with shareholders. Low pledging indicates financial stability of promoters. Recent change in promoter holding: 0.00%.
How does BAJFINANCE compare with its industry peers?
BAJFINANCE trades at P/E 36.77x vs industry average 23.38x, with ROE of 19.22% and ROCE of 11.35%. The stock trades at a premium to industry average, which may be justified by superior fundamentals. Peer comparison helps identify whether BAJFINANCE is outperforming its competitive set in profitability, growth, and valuation metrics.
What is BAJFINANCE's market capitalization and what category does it fall into?
BAJFINANCE has a market capitalization of ₹640666 crores, making it a Large-cap stock. Large-cap stocks offer stability and liquidity but typically slower growth. Market cap is calculated as current share price × total outstanding shares, representing the company's total market value.
What are the key financial ratios to consider for BAJFINANCE?
Key ratios for BAJFINANCE: ROE 19.22% (Excellent), ROCE 11.35%, P/E 36.77x, Debt-to-Equity 3.74, Interest Coverage 1.89x. These ratios help assess profitability (ROE, ROCE), valuation (P/E), financial health (D/E, Interest Coverage), and overall investment quality. Compare these with industry medians and historical trends for meaningful analysis.
How volatile is BAJFINANCE stock and what is its beta?
BAJFINANCE has a beta of N/A, which means it is less volatile than the market and offers defensive characteristics. Beta measures price volatility relative to the Nifty 50. Lower beta stocks provide stability during uncertain market conditions. Consider beta alongside your risk tolerance and portfolio diversification strategy.
What is the 52-week high and low for BAJFINANCE?
BAJFINANCE has a 52-week high of ₹N/A and low of ₹N/A. Currently trading at ₹1036.75, the stock is within its annual trading range. Trading near highs indicates strong momentum but limited upside potential.
What are the key risks associated with investing in BAJFINANCE?
Key risks for BAJFINANCE include: Market volatility (Beta: N/A), financial leverage (Debt-to-Equity: 3.74), and operational challenges. The stock has a Fundamental Score of 67.7/100, indicating moderate risk requiring careful monitoring. Sector-specific risks in Finance include regulatory changes, economic cycles, and competitive pressures. Consider your risk tolerance, investment horizon, and portfolio diversification before investing. Past performance doesn't guarantee future results.
What is BAJFINANCE's operating profit margin and how has it trended?
BAJFINANCE has a 5-year average Operating Profit Margin (OPM) of 67.35%, which is excellent and indicates strong pricing power and cost control. Operating Profit Margin shows operational efficiency by measuring operating profit as a percentage of revenue. This strong margin indicates competitive advantages and operational leverage. Compare with industry peers to understand relative performance.
How is BAJFINANCE's quarterly performance in terms of sales and profit growth?
BAJFINANCE's recent quarterly performance shows YoY Sales Growth of 21.27% and YoY Profit Growth of 20.13%. This strong double-digit growth indicates excellent business momentum and management execution. Sales growth shows market demand while profit growth reveals operational efficiency and margin management.
What is the FII and DII holding pattern in BAJFINANCE?
BAJFINANCE has FII holding of 21.71% and DII holding of 14.52%, totaling 36.23% institutional ownership. This institutional participation level shows the confidence of professional money managers. Significant FII holding suggests global investor confidence and potential for index inclusion. Monitor quarterly changes in institutional holdings for investment flow trends and sentiment.