Bajaj Finserv Ltd’s fundamental analysis highlights key financial metrics including market capitalisation of ₹249,838.66 crore, PE ratio of 30.66, debt-to-equity ratio of 278.42, and return on equity of 8.98%. These figures reflect the company’s financial health and current market valuation.
Content:
- Bajaj Finserv Ltd Overview
- Bajaj Finserv Financial Results
- Bajaj Finserv Financial Analysis
- Bajaj Finserv Company Metrics
- Bajaj Finserv Stock Performance
- Bajaj Finserv Peer Comparison
- Bajaj Finserv Shareholding Pattern
- Bajaj Finserv History
- How To Invest In Bajaj Finserv Ltd Share?
- Bajaj Finserv Limited Fundamental Analysis – FAQs
Bajaj Finserv Ltd Overview
Bajaj Finserv Ltd is a holding company for various financial services businesses in India. It operates in the financial services sector, promoting and investing in subsidiaries and joint ventures across finance, insurance, broking, and digital platforms.
The company has a market capitalisation of ₹249,838.66 crore and is listed on both the Bombay Stock Exchange (BSE) and National Stock Exchange (NSE). Currently, the stock is trading 11.05% below its 52-week high and 10.48% above its 52-week low.
Bajaj Finserv Financial Results
Bajaj Finserv Ltd showed significant financial growth from FY 22 to FY 24, with sales increasing from ₹68,406 crore to ₹1,10,382 crore and net profit rising from ₹8,314 crore to ₹15,595 crore. The company maintained strong profitability and improved EPS over the years.
1. Revenue Trend: Sales increased from ₹68,406 crore in FY 22 to ₹82,071 crore in FY 23, and further to ₹1,10,382 crore in FY 24, indicating robust revenue growth.
2. Equity and Liabilities: The table shows an increase in interest expenses from ₹9,498 crore in FY 22 to ₹18,400 crore in FY 24, suggesting increased liabilities or borrowing.
3. Profitability: Operating Profit Margin (OPM) improved from 31% in FY 22 to 36% in FY 23, and further to 37% in FY 24, reflecting enhanced operational efficiency.
4. Earnings per Share (EPS): EPS increased from ₹286 in FY 22 to ₹40 in FY 23, and further to ₹51 in FY 24, indicating strong profit growth per share.
5. Return on Net Worth (RoNW): While RoNW isn’t directly mentioned, the increasing net profit from ₹8,314 crore in FY 22 to ₹15,595 crore in FY 24 suggests a positive impact on RoNW, indicating better returns on shareholders’ equity.
6. Financial Position: The company’s financial position strengthened with EBITDA increasing from ₹21,332 crore in FY 22 to ₹40,667 crore in FY 24, despite rising interest and depreciation expenses, showcasing robust financial health and management.
Bajaj Finserv Financial Analysis
| FY 24 | FY 23 | FY 22 | |
| Sales Insight-icon | 110382 | 82071 | 68406 |
| Expenses | 69716 | 52383 | 47107 |
| Operating Profit | 40665 | 29688 | 21299 |
| OPM % | 37 | 36 | 31 |
| Other Income | 1 | 1 | 33 |
| EBITDA | 40667 | 29689 | 21332 |
| Interest | 18400 | 12201 | 9498 |
| Depreciation | 900 | 678 | 563 |
| Profit Before Tax | 21367 | 16810 | 11271 |
| Tax % | 27 | 27 | 26 |
| Net Profit | 15595 | 12210 | 8314 |
| EPS | 51 | 40 | 286 |
| Dividend Payout % | 1.95 | 1.99 | 1.4 |
* Consolidated Figures in Rs. Crores
Bajaj Finserv Company Metrics
Bajaj Finserv’s market capitalization is ₹249,838.66 crore. The book value per share is ₹378, with a face value of ₹1. Asset Turnover Ratio is 0.23. Total debt is ₹288,932.62 crore. ROE is 8.98%. Quarterly EBITDA is ₹6,235.42 crore, and dividend yield is 0.06%.
Market Capitalization: Market Capitalization represents the total market value of Bajaj Finserv’s outstanding shares, amounting to ₹249,838.66 crore.
Book Value: The book value per share of Bajaj Finserv Ltd is ₹378 indicating the value of the company’s net assets divided by its shares outstanding.
Face Value: The face value of Bajaj Finserv’s shares is ₹1, which is the nominal value of each share as stated on the share certificate.
Asset Turnover Ratio: The Asset Turnover Ratio of 0.23 measures how efficiently Bajaj Finserv uses its assets to generate sales revenue or sales income.
Total Debt: The Total Debt of Bajaj Finserv stands at ₹288,932.62 crore, representing the total amount of money the company owes to creditors.
Return on Equity (ROE): The ROE of 8.98% measures Bajaj Finserv’s profitability by revealing how much profit the company generates with the money shareholders have invested.
EBITDA (Q): The quarterly EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) of Bajaj Finserv is ₹6,235.42 crore, indicating the company’s operating performance.
Dividend Yield: The dividend yield of 0.06% shows the annual dividend payment as a percentage of Bajaj Finserv’s current share price, indicating the return on investment from dividends alone.
Bajaj Finserv Stock Performance
Bajaj Finserv Ltd delivered modest returns with 3.69% in one year, 3.75% over three years, and 16.5% over five years, indicating steady growth. This performance reflects the company’s consistent ability to generate returns for investors over various investment horizons, highlighting its stability.
| Period | Return on Investment (%) |
| 1 Year | 3.69 |
| 3 Years | 3.75 |
| 5 Years | 16.5 |
Example: If an investor had invested ₹1,000 in Bajaj Finserv Ltd stock:
1 year ago, their investment would be worth ₹1,036.90.
3 years ago, their investment would have grown to ₹1,037.50.
5 years ago, their investment would have increased to approximately ₹1,165.
Bajaj Finserv Peer Comparison
Bajaj Finserv Ltd, with a CMP of ₹1,564.1 and a P/E ratio of 29.94, has a market cap of ₹249,797.66 Cr and a one-year return of 3.69%. In comparison, peers like Shriram Finance and HDFC AMC delivered higher one-year returns of 52.94% and 62.56%, respectively, showcasing diverse market performances.
| Name | CMP Rs. | P/E | Mar Cap Rs.Cr. | 1Yr return % | Vol 1d | 1mth return % | From 52w high | Down % | 6mth return % |
| Bajaj Finance | 6538.35 | 27.12 | 404816.57 | -8.2 | 949601 | -8.4 | 0.8 | 20.19 | -0.57 |
| Bajaj Finserv | 1564.1 | 29.94 | 249797.66 | 3.69 | 1976743 | -0.98 | 0.9 | 10.2 | -0.41 |
| Jio Financial | 311.35 | 124.8 | 197840.71 | 13625337 | -11.74 | 0.79 | 21.12 | 18.47 | |
| Cholaman.Inv.&Fn | 1335.35 | 30.7 | 112280.8 | 25.04 | 1047718 | -6.72 | 0.9 | 9.59 | 17.81 |
| Shriram Finance | 2836.8 | 14.1 | 106673.66 | 52.94 | 1196092 | -1.01 | 0.93 | 7.28 | 20.82 |
| Bajaj Holdings | 9189.95 | 13.71 | 102271.59 | 23.15 | 30647 | -4.94 | 0.91 | 8.83 | 5.95 |
| HDFC AMC | 3984.1 | 41.05 | 85060.23 | 62.56 | 755772 | -5.92 | 0.93 | 7.27 | 9.35 |
| Median: 193 Co. | 221.65 | 23.18 | 620.03 | 63.37 | 30647 | -3.8 | 0.81 | 18.64 | 9.21 |
Bajaj Finserv Shareholding Pattern
Bajaj Finserv Ltd’s shareholding pattern includes promoters holding 62,31,42,140 shares (39%), the public holding 6,19,27,450 shares (3.9%), and DIIs with 3,19,84,134 shares (2%). This structure highlights significant promoter control while allowing notable public and institutional investor participation.
| Category | Shares | Shares % |
| Promoter | 62,31,42,140 | 0.39 |
| Public | 6,19,27,450 | 0.039 |
| Dii | 3,19,84,134 | 0.02 |
Bajaj Finserv History
Bajaj Finserv Limited is a prominent holding company in India’s financial services sector. It promotes and invests in various financial services businesses, including finance, insurance, broking, and investments. The company leverages digital platforms to distribute its services, adapting to modern technological trends in the financial industry.
The company’s operations are divided into several segments, including life insurance, general insurance, retail financing, and investments. Bajaj Finserv also engages in power generation through wind turbines, demonstrating a commitment to renewable energy. This diversification strategy allows the company to tap into multiple revenue streams within the financial services ecosystem.
Through its subsidiaries, Bajaj Finserv caters to a wide range of customer needs. It offers financial products for asset acquisition, asset protection through general insurance, and family and income protection through life and health insurance. Additionally, the company provides retirement and savings solutions, positioning itself as a comprehensive financial services provider for various customer segments.
How To Invest In Bajaj Finserv Ltd Share?
To invest in Bajaj Finserv Ltd shares, start by opening a demat account with Alice Blue. Complete the necessary KYC process and fund your account with the desired investment amount.
Research the company’s fundamentals, financial performance, and market trends before making an investment decision. Use the trading platform provided by the broker to place a buy order for Bajaj Finserv shares at your preferred price.
Monitor your investment regularly and stay informed about company news and market developments. Consider setting up a systematic investment plan (SIP) for long-term investing in the stock if it aligns with your financial goals.
Bajaj Finserv Limited Fundamental Analysis – FAQs
Fundamental analysis of Bajaj Finserv examines key financial metrics: Market Cap (₹249,838.66 crore), PE Ratio (30.66), Debt to Equity (278.42), and Return on Equity (8.98%). These indicators provide insights into the company’s financial health, market valuation, and overall performance in the financial services sector.
The market capitalization of Bajaj Finserv Ltd is ₹249,838.66 crore. This figure represents the total value of the company’s outstanding shares in the stock market, calculated by multiplying the current share price by the total number of shares outstanding.
Bajaj Finserv Limited is a holding company for various financial services businesses in India. It promotes and invests in subsidiaries and joint ventures across finance, insurance, broking, and digital platforms. The company offers a wide range of financial products and services to diverse customer segments.
Bajaj Finserv is a public limited company and doesn’t have a single owner. It is part of the Bajaj Group, with the Bajaj family being significant promoters. However, as a listed company, it has multiple shareholders including institutional investors, public shareholders, and promoter entities.
The main shareholders of Bajaj Finserv typically include the Bajaj Group (promoter entities), institutional investors (both domestic and foreign), mutual funds, and public shareholders. For the most current and accurate information on major shareholders, refer to the latest shareholding pattern disclosed by the company.
Bajaj Finserv operates in the financial services industry. As a holding company, it has interests in various financial sectors including finance, insurance, broking, investments, and digital financial services. The company plays a significant role in India’s diverse financial services ecosystem.
To invest in Bajaj Finserv shares, open a demat account with Alice Blue. Complete the KYC process and fund your account. Research the company thoroughly, then use the trading platform to place a buy order for the desired number of shares at your preferred price.
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