Bajaj Finance Limited (BAJFINANCE) AI Stock Analysis

• Market Cap: ₹5.45T
• Dividend Yield: 0.64%
• Average Volume (3M): 355.51K
• Price to Earnings (P/E): 31.2
• Beta (1Y): 0.91
• Revenue Growth: 24.87%
• EPS Growth: 15.62%
• Country: IN
• Employees: 43,147
• Sector: Financial
• Sector Strength: 76
• Industry: Financial - Credit Services
• EPS (TTM): 7.63
• Shares Outstanding: 6,214,286,600
• 10 Day Avg. Volume: 393,527
• 30 Day Avg. Volume: 355,514
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹938.27
• Price Target Upside: 6.89% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 11

• Rating: 66 Neutral
• Price Target: ₹947.00 ▲(7.88% Upside)

Bajaj Finance Limited's overall score is driven by strong financial performance, particularly in revenue and profit growth. However, negative cash flows and weak technical indicators weigh down the score. The high P/E ratio and low dividend yield suggest the stock may be overvalued, impacting its attractiveness to investors.

Bajaj Finance Limited Business Overview & Revenue Model

Company Description

Bajaj Finance Limited (BAJFINANCE) is a leading non-banking financial company (NBFC) in India, operating under the Bajaj Group. The company provides a wide range of financial products and services, including consumer finance, SME finance, commercial lending, and wealth management. Bajaj Finance is known for its diverse loan offerings, such as personal loans, home loans, business loans, and loans against property, as well as its investment products like fixed deposits and mutual funds.

How the Company Makes Money

Bajaj Finance Limited generates revenue primarily through the interest and fees collected from its lending operations. The company's key revenue streams include interest income from loans extended to individuals and businesses, processing fees charged on loan disbursements, and penalties for late payments. Additionally, Bajaj Finance earns income from its investment products, including fixed deposits and mutual fund distribution. The company's earnings are further bolstered by strategic partnerships with retail and e-commerce companies, enabling it to offer consumer financing at the point of sale. Bajaj Finance's ability to leverage technology for efficient credit assessment and risk management also contributes to its profitability.

Bajaj Finance Limited Financial Statement Overview

Summary

Bajaj Finance Limited demonstrates strong revenue and profit growth, with healthy profit margins. The balance sheet is sound with a moderate level of leverage. However, persistent negative cash flows indicate potential inefficiencies in cash management.

Income Statement

Bajaj Finance Limited shows strong revenue growth with a consistent upward trajectory in total revenue over the past years. The Net Profit Margin and Gross Profit Margin are healthy, indicating robust profitability. However, the EBIT and EBITDA margins have slightly declined, suggesting increased operational costs or competitive pressures.

Balance Sheet

The company's balance sheet indicates a moderate level of leverage with a manageable debt-to-equity ratio. The return on equity is strong, reflecting efficient use of equity to generate profits. However, the equity ratio is moderate, which suggests a balanced approach to financing through debt and equity.

Cash Flow

Cash flow analysis reveals challenges, as the company consistently shows negative free cash flow and operating cash flow. This could indicate high reinvestment needs or inefficiencies in cash management. The operating cash flow to net income ratio suggests that cash flow generation is not keeping pace with reported earnings.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	671.27B	671.27B	530.51B	395.27B	298.86B	254.37B
Gross Profit	423.56B	423.56B	343.26B	269.67B	201.32B	160.23B
EBITDA	229.61B	229.61B	199.93B	160.13B	98.88B	63.18B
Net Income	166.38B	166.38B	144.51B	115.08B	70.28B	44.20B
Balance Sheet
Total Assets	4.66T	4.66T	3.76T	2.75T	2.13T	1.72T
Cash, Cash Equivalents and Short-Term Investments	135.44B	135.44B	106.24B	43.05B	37.60B	22.58B
Total Debt	2.90T	2.90T	2.34T	1.73T	1.35T	1.06T
Total Liabilities	3.67T	3.67T	2.99T	2.21T	1.69T	1.35T
Stockholders Equity	966.93B	966.93B	766.95B	543.72B	437.13B	369.18B
Cash Flow
Free Cash Flow	0.00	-692.36B	189.54B	-430.19B	-376.63B	-11.90B
Operating Cash Flow	0.00	-681.54B	199.92B	-421.40B	-370.29B	-8.81B
Investing Cash Flow	0.00	-27.65B	-71.71B	-103.65B	63.47B	-4.29B
Financing Cash Flow	0.00	705.27B	824.15B	506.75B	322.40B	17.41B

Bajaj Finance Limited Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 877.80
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BAJFINANCE, the sentiment is Negative. The current price of 877.8 is below the 20-day moving average (MA) of 881.89, below the 50-day MA of 908.66, and above the 200-day MA of 834.23, indicating a neutral trend. The MACD of -6.72 indicates Negative momentum. The RSI at 44.27 is Neutral, neither overbought nor oversold. The STOCH value of 29.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:BAJFINANCE.

Bajaj Finance Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
MUTHOOTFIN	73 Outperform	₹1.06T	17.19		0.99%	38.22%	37.80%
Sector *	68 Neutral	$17.89B	11.95	10.28%	3.72%	9.74%	1.61%
BAJFINANCE	66 Neutral	₹5.45T	31.21		0.64%	24.87%	15.62%
CHOLAFIN	64 Neutral	₹1.19T	26.82		0.14%	31.00%	21.07%
LTF	―	₹542.90B	20.38		1.27%	―	―
M&MFIN	―	₹352.79B	14.14		6.59%	―	―
SHRIRAMFIN	62 Neutral	₹1.09T	11.10		2.22%	20.27%	25.95%

Bajaj Finance Limited Corporate Events

Bajaj Finance Concludes AGM with Strong Shareholder Support

Bajaj Finance Limited has announced the successful conclusion of its 38th Annual General Meeting held on July 24, 2025, where resolutions were passed with the requisite majority. The company provided remote e-voting facilities to its shareholders, ensuring a seamless voting process. The results of the voting, confirmed by the Scrutinizer’s report, indicate strong shareholder support for the resolutions, reflecting positively on the company’s governance and stakeholder engagement.

Bajaj Finance Concludes Successful AGM with Strong Shareholder Support

Bajaj Finance Limited announced the results of its 38th Annual General Meeting held on July 24, 2025, where shareholders voted on various business items. The company provided remote e-voting facilities and electronic voting at the AGM venue, ensuring comprehensive shareholder participation. The resolutions were passed with the requisite majority, reflecting strong shareholder support. This development underscores Bajaj Finance’s commitment to transparent governance and active stakeholder engagement, potentially strengthening its market position.