Bajaj Finance Ltd
NSE: BAJFINANCE BSE: 500034
â‚ą959.40
-23.35 (2.38%)
Thu, 22 Oct 2026, 06:45 pm
Market Cap (in Cr)611824.81
PE Ratio29.46
Dividend0.62
Finance
Finance/Rental/Leasing
24.5KBajaj Finance Analysis
dividend
- Dividends per share have increased over the past 10 years.
- Dividends paid are thoroughly covered by earnings (9x coverage).
- Dividends after 3 years are expected to be thoroughly covered by earnings (10.1x coverage).
- Dividends per share have been stable in the past 10 years.
- Bajaj Finance's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.76%).
- Bajaj Finance's dividend is below the markets top 25% of dividend payers in India (3.08%).
future
- Bajaj Finance's earnings are expected to grow significantly at over 20% yearly.
- Bajaj Finance's earnings growth is expected to exceed the India market average.
- Bajaj Finance's earnings growth is expected to exceed the low risk savings rate of 7.2%.
- Bajaj Finance's earnings are expected to increase by more than the low risk growth rate in 3 years time.
- Bajaj Finance is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
- Performance (ROE) is expected to be above the current IN Consumer Finance industry average.
- An improvement in Bajaj Finance's performance (ROE) is expected over the next 3 years.
- Bajaj Finance's revenue growth is expected to exceed the India market average.
- Bajaj Finance's earnings are expected to decrease over the next year.
- Bajaj Finance's net income is expected to increase but not above the 50% threshold in 2 years time.
- Bajaj Finance's revenue is expected to increase but not above the 50% threshold in 2 years time.
- Bajaj Finance's revenue is expected to grow by 12.7% yearly, however this is not considered high growth (20% yearly).
health
- Bajaj Finance is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- Bajaj Finance is profitable, therefore cash runway is not a concern.
- Bajaj Finance is profitable, therefore cash runway is not a concern.
- Debt is covered by short term assets, assets are 1.3x debt.
- Bajaj Finance's cash and other short term assets cover its long term commitments.
- The level of debt compared to net worth has been reduced over the past 5 years (554.9% vs 337.6% today).
- Low level of unsold assets.
- Operating cash flow is negative therefore debt is not well covered.
- Bajaj Finance's level of debt (337.6%) compared to net worth is high (greater than 40%).
management
- The average tenure for the Bajaj Finance board of directors is over 10 years, this suggests they are a seasoned and experienced board.
- Rajeev's compensation has been consistent with company performance over the past year, both up more than 20%.
- The tenure for the Bajaj Finance management team is about average.
- Rajeev's remuneration is higher than average for companies of similar size in India.
- Bajaj Finance individual insiders have sold more shares than they have bought in the past 3 months.
misc
- Bajaj Finance has significant price volatility in the past 3 months.
past
- Bajaj Finance's 1-year earnings growth exceeds its 5-year average (31.6% vs 28.3%)
- Bajaj Finance has delivered over 20% year on year earnings growth in the past 5 years.
- Bajaj Finance used its assets more efficiently than the IN Consumer Finance industry average last year based on Return on Assets.
- Bajaj Finance's earnings growth has exceeded the IN Consumer Finance industry average in the past year (31.6% vs 11%).
- Bajaj Finance has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
value
- NSEI:BAJFINANCE is up 13.4% outperforming the Consumer Finance industry which returned 10.3% over the past month.
- NSEI:BAJFINANCE is up 13.4% outperforming the market in India which returned 8% over the past month.
- Bajaj Finance's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- Bajaj Finance's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- Bajaj Finance is overvalued based on assets compared to the IN Consumer Finance industry average.
- Bajaj Finance is poor value based on expected growth next year.
- Bajaj Finance is overvalued based on earnings compared to the IN Consumer Finance industry average.
- Bajaj Finance is overvalued based on earnings compared to the India market.
- BAJFINANCE underperformed the Consumer Finance industry which returned -28.8% over the past year.
- BAJFINANCE underperformed the Market in India which returned -14.5% over the past year.
