Bajaj Finance Limited (IN:BAJFINANCE)
:BAJFINANCE
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BAJFINANCE Stock Chart & Stats
₹908.70
-₹90.40(-1.23%)
At close: 4:00 PM EST
₹908.70
-₹90.40(-1.23%)
Day’s Range― - ―
52-Week Range₹788.40 - ₹1,102.45
Previous CloseN/A
Volume473.34K
Average Volume (3M)420.38K
Market Cap
₹5.42T
Enterprise Value₹9.16T
Total Cash (Recent Filing)₹120.01B
Total Debt (Recent Filing)₹3.28T
Price to Earnings (P/E)28.5
Beta1.18
Next Earnings
Jul 29, 2026EPS Estimate
9.31Next Dividend Ex-DateN/A
Dividend Yield0.56%
Share Statistics
EPS (TTM)29.51
Shares Outstanding6,225,957,000
10 Day Avg. Volume511,445
30 Day Avg. Volume420,375
Financial Highlights & Ratios
PEG Ratio1.90
Price to Book (P/B)4.37
Price to Sales (P/S)6.08
P/FCF Ratio14.25
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹1,111.79Price Target Upside22.35% Upside
Rating ConsensusStrong Buy
Number of Analyst Covering3
EPS Forecast (FY)40.23
Revenue Forecast (FY)₹642.72B
Bulls Say, Bears Say
Bulls Say
Sustained Revenue & Earnings GrowthConsistent multi-year revenue and net income expansion (revenue rose 2021–2026 with 11.98% in 2026) and a high income-statement score reflect a scalable lending and fee franchise. This supports durable earnings power and reinvestment capacity across cycles, enabling long-term growth assuming credit trends remain manageable.
Diversified Business Model & DistributionA broad product mix—POS, personal, SME, secured loans—plus deposit-taking and third-party distribution across branch and digital channels diversifies originations and fee income. Merchant POS relationships and multi-channel reach create durable customer access, reducing concentration risk and improving resilience to single-segment shocks.
Healthy Returns On EquitySustained ROEs in the mid-teens to low twenties indicate efficient capital deployment in the lending model. Growing equity alongside solid ROE supports internal capital generation for expansion and provides a buffer for losses, helping sustain growth and shareholder returns over the medium term if asset quality holds.
Bears Say
High LeverageA structurally high debt-to-equity ratio (~2.9–3.2x) makes the business more sensitive to funding conditions and interest-rate moves. High leverage reduces strategic flexibility, increases refinancing risk during market stress, and amplifies earnings volatility in adverse credit or liquidity cycles.
Volatile Cash Flow ConversionLarge swings in operating and free cash flow create unreliable internal funding. This variability forces reliance on external borrowing or deposits during negative years, complicates capital allocation and provisioning, and increases execution risk for growth plans or buffer building in downturns.
Margin CompressionDeclining net margins from ~29% to ~25% signal pressure on pricing or rising costs. Sustained margin erosion reduces the cushion to absorb higher credit costs or funding expenses, pressuring profitability and ROE unless offset by higher volumes, tighter underwriting, or cost efficiencies.
Bajaj Finance Limited News
BAJFINANCE FAQ
What was Bajaj Finance Limited’s price range in the past 12 months?
Bajaj Finance Limited lowest stock price was ₹788.40 and its highest was ₹1102.45 in the past 12 months.
What is Bajaj Finance Limited’s market cap?
Bajaj Finance Limited’s market cap is ₹5.42T.
When is Bajaj Finance Limited’s upcoming earnings report date?
Bajaj Finance Limited’s upcoming earnings report date is Jul 29, 2026 which is in 47 days.
How were Bajaj Finance Limited’s earnings last quarter?
Bajaj Finance Limited released its earnings results on Apr 29, 2026. The company reported ₹8.8 earnings per share for the quarter, beating the consensus estimate of ₹8.06 by ₹0.74.
Is Bajaj Finance Limited overvalued?
According to Wall Street analysts Bajaj Finance Limited’s price is currently Undervalued.
Does Bajaj Finance Limited pay dividends?
Bajaj Finance Limited pays a Annually dividend of ₹6 which represents an annual dividend yield of 0.56%. See more information on Bajaj Finance Limited dividends here
What is Bajaj Finance Limited’s EPS estimate?
Bajaj Finance Limited’s EPS estimate is 9.31.
How many shares outstanding does Bajaj Finance Limited have?
Bajaj Finance Limited has 6,225,957,000 shares outstanding.
What happened to Bajaj Finance Limited’s price movement after its last earnings report?
Bajaj Finance Limited reported an EPS of ₹8.8 in its last earnings report, beating expectations of ₹8.06. Following the earnings report the stock price went up 0.709%.
Which hedge fund is a major shareholder of Bajaj Finance Limited?
Currently, no hedge funds are holding shares in IN:BAJFINANCE
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Company Description
Bajaj Finance Limited
Bajaj Finance Limited, an Indian non-banking financial institution based in Pune, was founded in 1987 and operates as a subsidiary of Bajaj Finserv Limited. The company provides a comprehensive suite of financial products and services. Its diverse lending portfolio includes financing for consumer durables, lifestyle needs, healthcare, digital products, two-wheelers, three-wheelers, used cars, and specialized credit lines for developers, medical equipment, vendors, light engineering, specialty chemicals, financial institutions, corporations, and warehouse operations. The company also offers a wide array of personal, gold, home, business, working capital, secured enterprise, and professional loans, alongside credit against fixed deposits, shares, properties, and other securities. For investors, Bajaj Finance facilitates systematic deposit plans, fixed and term deposits, and mutual funds. Its capital market services extend to IPO and ESOP financing, margin trading, and HNI and retail broking, complete with trading account and depository facilities. In addition to its credit and investment offerings, Bajaj Finance delivers various insurance products, encompassing life, general, health, and specialized pocket insurance. Complementary services include extended warranties, e-commerce solutions, lease rental discounting, financial fitness reports, EMI cards, and co-branded credit cards and digital wallets. The company was previously known as Bajaj Auto Finance Limited.
BAJFINANCE Stock 12 Month Forecast
Average Price Target
₹1,111.79
▲(22.35% Upside)
Technical Analysis
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