Bajaj Finserv Ltd

BAJAJFINSV

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Market Cap

₹ 3,30,667 Cr

P/E

34.16

Turned 1 L into 2.19 L in last 5 Years

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Performance

UNDER PERFORMER

Valuation

OVERVALUED

Growth

EXCEPTIONAL

Profitability

MODERATE MARGIN

Technicals

Bullish

Risk

MODERATE RISK

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Overview

Detailed Summary

Bajaj Finserv Limited is a diverse financial services group offering insurance, lending, and investment products. It's expanding through strategic acquisitions, such as acquiring Vidal Health, enhancing healthcare services.

The company achieved a 24% AUM growth in Bajaj Housing Finance, marking significant expansion in lending capacity. It continues to show a strong financial performance with a consolidated profit growth of 8% year over year.

Bajaj Life Insurance experienced a substantial VNB growth of 50% year-on-year, driven by changes in product structure and cost optimizations.

Bajaj Finserv Health strengthened its healthcare platform, processing 6.2 million health transactions, leveraging tech and partnerships to build an integrated ecosystem.

The recent acquisition of Allianz's stake showcases Bajaj Finserv's intent to consolidate ownership in joint ventures, enhancing autonomy in operational decisions.

Sector

Finance

Industry

NBFC-Holding Companies

Market Cap

3,30,667 Cr

Volatility

High Risk

P/E Ratio

34.2

Industry P/E

26.1

PEG Ratio

1.6

P/B Ratio

4.3

52W High

2,194.65

52W Low

1,555.25

Sales CAGR

21.24%

53.62%

23.73%

10Y

28.17%

Profit CAGR

12.58%

54.31%

18.51%

10Y

28.50%

ROE

TTM

12.66%

7.57%

7.47%

10Y

7.69%

ROCE

TTM

11.01%

10.70%

10.54%

10Y

10.67%

Technicals

Oscillators

BearishNeutralBullish

Neutral

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Moving Averages

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Overall

BearishNeutralBullish

Bullish

Bearish

Neutral

Bullish

Forecasts

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Price, EPS and Revenue Projections

Strong SellSellHoldBuyStrong Buy

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Buy

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Strong Sell

updated on

Dec 03, 2025

Peers

Symbol	Price	Market Cap	P/E	P/B	Div Yield (%)	ROE (%)	ROCE (%)	ROA (%)
BAJAJFINSV	2070.40	3,30,667 Cr	34.16	4.32	0.05	12.66	11.01	2.72
BAJAJHLDNG	11040.90	1,22,984 Cr	17.37	1.81	0.84	10.44	11.39	10.54
TVSHLTD	14480.00	29,238 Cr	20.42	5.30	0.64	26.25	16.61	4.95
CHOICEIN	772.20	17,203 Cr	94.86	10.98	0.00	14.82	19.39	6.62
EDELWEISS	109.05	10,321 Cr	24.29	2.34	1.34	9.62	11.96	1.40
KAMAHOLD	2915.30	9,401 Cr	11.46	1.23	1.15	10.75	19.94	6.98
BENGALASM	7081.00	8,075 Cr	9.93	0.79	0.71	8.05	4.77	3.01

Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

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Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	23,280	26,023	29,038	32,041	31,480	33,704	32,042	36,595	35,439	37,403
Expenses	13,935	16,073	18,601	21,108	19,655	21,420	19,669	23,868	21,124	23,352
Interest	4,020	4,449	4,777	5,154	5,592	6,046	6,276	6,396	6,807	6,901
Financing Profit	5,325	5,501	5,661	5,779	6,233	6,238	6,097	6,332	7,508	7,149
Financing Margin %	22.87	21.14	19.50	18.04	19.80	18.51	19.03	17.30	21.19	19.11
Other Income	2.80	0.21	1.75	4.42	2.62	3.45	3.10	10	13	3.20
Depreciation	202	209	232	257	267	275	289	339	317	327
Profit Before Tax	5,125	5,292	5,431	5,527	5,968	5,966	5,812	6,002	7,204	6,825
Tax %	27.63	29.03	25.51	26.09	29.47	29.93	24.08	20.76	26.02	30.46
Net Profit	3,709	3,756	4,045	4,085	4,209	4,180	4,412	4,756	5,329	4,746
EPS in Rs	12.06	11.98	13.38	13.18	13.29	12.99	13.89	14.99	17.30	13.90
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	24,507	32,862	42,604	54,347	60,591	68,406	82,071	1,10,382	1,33,821	1,37,780
Expenses	15,794	22,074	27,686	36,255	41,089	47,107	52,383	69,716	84,612	86,081
Interest	3,716	4,531	6,540	9,339	9,141	9,498	12,201	18,400	24,310	25,525
Financing Profit	4,997	6,257	8,378	8,753	10,361	11,801	17,487	22,266	24,899	26,175
Financing Margin %	20.39	19.04	19.66	16.11	17.10	17.25	21.31	20.17	18.61	19.00
Other Income	0.55	1.58	2.93	5.44	0.19	33	1.96	9.18	19	30
Depreciation	73	160	226	457	498	563	678	900	1,170	1,221
Profit Before Tax	4,925	6,099	8,155	8,302	9,862	11,271	16,811	21,375	23,748	24,983
Tax %	29.95	31.52	34.10	27.80	25.30	26.24	27.37	27.04	26.07	25.24
Net Profit	3,450	4,176	5,374	5,994	7,367	8,314	12,210	15,595	17,558	18,678
EPS in Rs	14.16	16.58	20.14	21.07	27.98	28.51	40.10	50.61	55.16	60.08
Dividend Payout %	1.23	1.05	1.24	2.36	1.07	13.99	2.00	1.97	1.82	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	80	80	80	80	80	80	80	159	159	160
Reserves	13,519	16,071	20,403	23,661	31,222	35,750	40,167	46,248	60,169	72,236
Borrowings	30,088	41,286	65,695	99,754	1,26,606	1,27,913	1,60,514	2,11,441	2,87,599	3,54,350
Other Liabilities	60,275	71,187	75,384	85,028	93,477	1,16,421	1,32,958	1,47,661	1,90,002	2,25,486
Total Liabilities	1,03,962	1,28,623	1,61,562	2,08,523	2,51,384	2,80,164	3,33,719	4,05,509	5,37,930	6,52,232
Fixed Assets	1,274	1,640	1,754	2,059	3,178	3,142	3,550	4,301	5,425	6,268
CWIP	11	3.54	28	66	45	129	113	191	220	314
Investments	0.00	0.00	14,474	20,331	27,714	33,583	28,512	40,691	49,998	53,956
Other Assets	1,02,677	1,26,980	1,45,307	1,86,067	2,20,448	2,43,310	3,01,544	3,60,326	4,82,286	5,91,693
Total Assets	1,03,962	1,28,623	1,61,562	2,08,523	2,51,384	2,80,164	3,33,719	4,05,509	5,37,930	6,52,232

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-9,795	-10,922	-19,580	-27,076	-23,369	4,547	-33,670	-39,480	-68,674	-62,113
Cash from Investing Activity	-886	151	-922	-6,903	-9,948	-3,684	1,445	-13,945	-10,960	-7,987
Cash from Financing Activity	11,602	12,513	19,590	34,535	34,479	1,687	32,326	51,016	82,709	70,191
Net Cash Flow	921	1,742	-911	555	1,162	2,551	101	-2,409	3,075	92

Shareholdings

Shareholding History

Quarterly

Yearly

Quarterly

	Dec 2022	Mar 2023	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Promoters	60.83%	60.85%	60.85%	60.84%	60.82%	60.80%	60.76%	60.72%	60.71%	60.71%	58.87%	58.85%
FIIs	7.52%	6.75%	6.89%	7.41%	7.67%	8.15%	8.15%	7.99%	7.17%	7.19%	7.95%	7.70%
DIIs	7.22%	7.41%	7.58%	7.38%	7.76%	7.63%	7.87%	8.40%	9.16%	9.35%	10.56%	10.92%
Public	24.43%	24.99%	24.67%	24.38%	23.75%	23.42%	23.23%	22.89%	22.95%	22.75%	22.62%	22.53%
Total Shareholders	6,31,436	7,36,596	6,91,234	6,60,295	5,85,220	5,67,041	7,08,432	8,07,360	7,77,680	7,08,845	6,83,279	6,39,624

Market Transactions

Date	Party	Category	Type	Avg Price (₹)	Total Value (₹)	Quantity	Percent Traded
Oct 03, 2025	Kumud nimisha family trust	Insider - Promoter Group	Disposal	2,009.85	173.37 Cr	8,62,610	0.05
Oct 03, 2025	Kumud nimisha family trust	Insider - Promoter Group	Acquisition	2,009.85	173.37 Cr	8,62,610	—
Oct 03, 2025	Kumud neelima family trust	Insider - Promoter Group	Disposal	2,009.85	173.37 Cr	8,62,610	0.05
Oct 03, 2025	Kumud neelima family trust	Insider - Promoter Group	Acquisition	2,009.85	173.37 Cr	8,62,610	—
Oct 03, 2025	Nimisha bajaj family trust	Insider - Promoter Group	Disposal	2,009.85	714.24 Cr	35,53,700	0.22
Oct 03, 2025	Nimisha bajaj family trust	Insider - Promoter Group	Acquisition	2,009.85	714.24 Cr	35,53,700	—
Oct 03, 2025	Neelima bajaj family trust	Insider - Promoter Group	Acquisition	2,009.85	679.18 Cr	33,79,240	—
Oct 03, 2025	Neelima bajaj family trust	Insider - Promoter Group	Disposal	2,009.85	679.18 Cr	33,79,240	0.21
Jul 03, 2025	Nirav trust	Insider - Promoter Group	Disposal	2,054.35	9.45 Cr	46,000	—
Jul 03, 2025	Nirav trust	Insider - Promoter Group	Acquisition	2,054.35	9.45 Cr	46,000	—

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Financial Statements

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Consolidated Quarterly Results (in ₹ Crores)

View Standalone

Total Figures

QoQ Changes

Total Figures

	Jun 2023	Sep 2023	Dec 2023	Mar 2024	Jun 2024	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025
Revenue	23,280	26,023	29,038	32,041	31,480	33,704	32,042	36,595	35,439	37,403
Expenses	13,935	16,073	18,601	21,108	19,655	21,420	19,669	23,868	21,124	23,352
Interest	4,020	4,449	4,777	5,154	5,592	6,046	6,276	6,396	6,807	6,901
Financing Profit	5,325	5,501	5,661	5,779	6,233	6,238	6,097	6,332	7,508	7,149
Financing Margin %	22.87	21.14	19.50	18.04	19.80	18.51	19.03	17.30	21.19	19.11
Other Income	2.80	0.21	1.75	4.42	2.62	3.45	3.10	10	13	3.20
Depreciation	202	209	232	257	267	275	289	339	317	327
Profit Before Tax	5,125	5,292	5,431	5,527	5,968	5,966	5,812	6,002	7,204	6,825
Tax %	27.63	29.03	25.51	26.09	29.47	29.93	24.08	20.76	26.02	30.46
Net Profit	3,709	3,756	4,045	4,085	4,209	4,180	4,412	4,756	5,329	4,746
EPS in Rs	12.06	11.98	13.38	13.18	13.29	12.99	13.89	14.99	17.30	13.90
Gross NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net NPA %	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00

Consolidated Profit Loss (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025	TTM
Revenue	24,507	32,862	42,604	54,347	60,591	68,406	82,071	1,10,382	1,33,821	1,37,780
Expenses	15,794	22,074	27,686	36,255	41,089	47,107	52,383	69,716	84,612	86,081
Interest	3,716	4,531	6,540	9,339	9,141	9,498	12,201	18,400	24,310	25,525
Financing Profit	4,997	6,257	8,378	8,753	10,361	11,801	17,487	22,266	24,899	26,175
Financing Margin %	20.39	19.04	19.66	16.11	17.10	17.25	21.31	20.17	18.61	19.00
Other Income	0.55	1.58	2.93	5.44	0.19	33	1.96	9.18	19	30
Depreciation	73	160	226	457	498	563	678	900	1,170	1,221
Profit Before Tax	4,925	6,099	8,155	8,302	9,862	11,271	16,811	21,375	23,748	24,983
Tax %	29.95	31.52	34.10	27.80	25.30	26.24	27.37	27.04	26.07	25.24
Net Profit	3,450	4,176	5,374	5,994	7,367	8,314	12,210	15,595	17,558	18,678
EPS in Rs	14.16	16.58	20.14	21.07	27.98	28.51	40.10	50.61	55.16	60.08
Dividend Payout %	1.23	1.05	1.24	2.36	1.07	13.99	2.00	1.97	1.82	—

Consolidated Balance Sheet (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Equity Capital	80	80	80	80	80	80	80	159	159	160
Reserves	13,519	16,071	20,403	23,661	31,222	35,750	40,167	46,248	60,169	72,236
Borrowings	30,088	41,286	65,695	99,754	1,26,606	1,27,913	1,60,514	2,11,441	2,87,599	3,54,350
Other Liabilities	60,275	71,187	75,384	85,028	93,477	1,16,421	1,32,958	1,47,661	1,90,002	2,25,486
Total Liabilities	1,03,962	1,28,623	1,61,562	2,08,523	2,51,384	2,80,164	3,33,719	4,05,509	5,37,930	6,52,232
Fixed Assets	1,274	1,640	1,754	2,059	3,178	3,142	3,550	4,301	5,425	6,268
CWIP	11	3.54	28	66	45	129	113	191	220	314
Investments	0.00	0.00	14,474	20,331	27,714	33,583	28,512	40,691	49,998	53,956
Other Assets	1,02,677	1,26,980	1,45,307	1,86,067	2,20,448	2,43,310	3,01,544	3,60,326	4,82,286	5,91,693
Total Assets	1,03,962	1,28,623	1,61,562	2,08,523	2,51,384	2,80,164	3,33,719	4,05,509	5,37,930	6,52,232

Consolidated Cash Flows (in ₹ Crores)

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Total Figures

YoY Changes

Total Figures

	Mar 2016	Mar 2017	Mar 2018	Mar 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Mar 2024	Mar 2025
Cash from Operating Activity	-9,795	-10,922	-19,580	-27,076	-23,369	4,547	-33,670	-39,480	-68,674	-62,113
Cash from Investing Activity	-886	151	-922	-6,903	-9,948	-3,684	1,445	-13,945	-10,960	-7,987
Cash from Financing Activity	11,602	12,513	19,590	34,535	34,479	1,687	32,326	51,016	82,709	70,191
Net Cash Flow	921	1,742	-911	555	1,162	2,551	101	-2,409	3,075	92