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Bajaj Finance Limited (IN:BAJFINANCE)
:BAJFINANCE
India Market

Bajaj Finance Limited (BAJFINANCE) Ratios

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Bajaj Finance Limited Ratios

IN:BAJFINANCE's free cash flow for Q1 2026 was ₹0.63. For the 2026 fiscal year, IN:BAJFINANCE's free cash flow was decreased by ₹ and operating cash flow was ₹0.34. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.19 0.21 0.20 0.16 1.07
Quick Ratio
0.19 0.21 0.02 0.16 -54.62
Cash Ratio
0.17 0.18 0.17 0.06 2.96
Solvency Ratio
0.05 0.05 0.05 0.05 0.12
Operating Cash Flow Ratio
0.00 -0.93 0.32 -1.17 -29.02
Short-Term Operating Cash Flow Coverage
0.00 0.00 0.24 0.00 0.00
Net Current Asset Value
₹ -3.91T₹ -3.52T₹ -2.87T₹ -2.89T₹ -2.19T
Leverage Ratios
Debt-to-Assets Ratio
0.64 0.62 0.62 0.58 0.63
Debt-to-Equity Ratio
3.17 3.00 3.05 2.85 3.16
Debt-to-Capital Ratio
0.76 0.75 0.75 0.74 0.76
Long-Term Debt-to-Capital Ratio
0.76 0.75 0.66 0.66 0.00
Financial Leverage Ratio
4.94 4.82 4.90 4.90 5.06
Debt Service Coverage Ratio
0.73 0.71 0.15 1.57 -0.32
Interest Coverage Ratio
0.91 0.89 1.03 1.79 1.20
Debt to Market Cap
0.57 0.54 0.53 0.34 0.00
Interest Debt Per Share
570.80 508.56 414.74 3.89K 3.06K
Net Debt to EBITDA
12.44 12.03 11.19 6.26 0.00
Profitability Margins
Gross Profit Margin
63.31%63.10%64.70%87.67%81.30%
EBIT Margin
33.31%32.89%36.40%62.07%-1.80%
EBITDA Margin
34.65%34.20%37.69%63.33%0.00%
Operating Profit Margin
33.31%32.89%36.40%62.07%55.81%
Pretax Profit Margin
33.31%32.89%36.40%35.68%57.61%
Net Profit Margin
25.00%24.79%27.24%26.71%42.69%
Continuous Operations Profit Margin
25.35%25.00%27.23%26.70%42.69%
Net Income Per EBT
75.04%75.35%74.84%74.87%74.11%
EBT Per EBIT
100.00%100.00%100.00%57.48%103.23%
Return on Assets (ROA)
3.59%3.57%3.85%3.85%4.18%
Return on Equity (ROE)
18.88%17.21%18.84%18.84%21.16%
Return on Capital Employed (ROCE)
5.57%5.62%6.16%10.72%5.49%
Return on Invested Capital (ROIC)
4.24%4.27%21.03%8.02%448.41%
Return on Tangible Assets
3.60%3.58%3.86%3.86%4.19%
Earnings Yield
3.17%3.09%3.27%3.27%3.39%
Efficiency Ratios
Receivables Turnover
44.88 35.09 27.36 0.00 0.00
Payables Turnover
13.08 13.19 9.07 3.23 3.47
Inventory Turnover
0.00 0.00 1.65 0.00 0.06
Fixed Asset Turnover
27.13 24.72 22.26 22.70 15.94
Asset Turnover
0.14 0.14 0.14 0.14 0.10
Working Capital Turnover Ratio
-2.52 -1.24 -2.12 -2.07 23.33
Cash Conversion Cycle
-19.78 -17.27 194.50 -112.94 5.75K
Days of Sales Outstanding
8.13 10.40 13.34 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 221.39 0.00 5.86K
Days of Payables Outstanding
27.91 27.67 40.23 112.94 105.13
Operating Cycle
8.13 10.40 234.73 0.00 5.86K
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 -110.17 32.77 -1.19K -697.72
Free Cash Flow Per Share
0.00 -111.92 31.07 -1.16K -712.26
CapEx Per Share
0.00 1.75 1.70 17.01 14.54
Free Cash Flow to Operating Cash Flow
0.00 1.02 0.95 0.97 1.02
Dividend Paid and CapEx Coverage Ratio
0.00 -20.61 7.01 -25.51 -20.21
Capital Expenditure Coverage Ratio
0.00 -63.00 19.26 -70.11 -47.98
Operating Cash Flow Coverage Ratio
0.00 -0.24 0.09 -0.33 -0.24
Operating Cash Flow to Sales Ratio
0.00 -1.02 0.38 -1.34 -1.56
Free Cash Flow Yield
0.00%-12.87%4.28%-16.02%-12.68%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
31.59 32.35 30.61 30.61 29.48
Price-to-Sales (P/S) Ratio
7.90 8.02 8.34 8.18 12.59
Price-to-Book (P/B) Ratio
5.60 5.57 5.77 5.77 6.24
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 -7.77 23.34 -6.24 -7.89
Price-to-Operating Cash Flow Ratio
0.00 -7.90 22.13 -6.08 -8.05
Price-to-Earnings Growth (PEG) Ratio
6.44 2.39 1.26 1.26 0.47
Price-to-Fair Value
5.60 5.57 5.77 5.77 6.24
Enterprise Value Multiple
35.25 35.47 33.31 19.17 0.00
Enterprise Value
8.94T 8.14T 6.66T 6.57T 5.07T
EV to EBITDA
35.25 35.47 33.31 19.17 0.00
EV to Sales
12.21 12.13 12.55 12.14 18.81
EV to Free Cash Flow
0.00 -11.76 35.14 -9.27 -11.78
EV to Operating Cash Flow
0.00 -11.95 33.32 -9.03 -12.03
Tangible Book Value Per Share
168.28 158.14 124.23 1.24K 888.70
Shareholders’ Equity Per Share
166.19 156.30 125.72 1.26K 900.23
Tax and Other Ratios
Effective Tax Rate
0.24 0.24 0.25 0.25 0.26
Revenue Per Share
117.89 108.51 86.96 886.84 446.28
Net Income Per Share
29.47 26.89 23.69 236.89 190.53
Tax Burden
0.75 0.75 0.75 0.75 0.74
Interest Burden
1.00 1.00 1.00 0.57 -31.99
Research & Development to Revenue
0.00 0.00 0.00 0.00 <0.01
SG&A to Revenue
0.03 <0.01 <0.01 0.00 <0.01
Stock-Based Compensation to Revenue
0.00 <0.01 0.00 <0.01 <0.01
Income Quality
0.00 -4.10 1.38 -5.03 -2.71
Currency in INR