Medium riskLarge capEducational sample dataset

Bajaj Finance

BAJFINANCE · NSE & BSE · Banking & Financial Services · NBFC

Current price

₹7,500.00

+0.80%FY24 (illustrative)

Illustrative / demo price - not live.

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About the company

One of India's largest non-bank lenders, spanning consumer, SME and commercial finance.

Origin & history

Part of the Bajaj group, it grew from a consumer-durables financier into a diversified NBFC leader.

Founded

1987

Headquarters

Pune

Business segments

Consumer Lending55.0%
SME & Commercial30.0%
Rural & Other15.0%

Competitive position (moat)

Data-driven underwriting, wide distribution and a strong brand.

Governance

Bajaj family promoter with professional management.

Promoter holding

54.6%

Institutional holding

25.0%

Why it's interesting

A high-growth, high-return lender with a wide product and distribution franchise.

What to verify

  • Asset quality in unsecured consumer lending
  • Funding costs and liquidity
  • Regulatory limits on growth

Key risks

  • Unsecured credit stress
  • Regulatory tightening
  • Funding costs

Valuation snapshot

Market cap

₹4.7 L cr

Total value of all shares: price multiplied by shares outstanding.

P/E

30.0

Price to earnings: how much you pay per rupee of profit.

P/B

5.0

Price to book: how the price compares to net asset value per share.

EV/EBITDA

0.0

Enterprise value to operating profit: a valuation that accounts for debt and cash.

Dividend yield

0.4%

Annual dividend per share as a percentage of the price.

Profitability

Revenue

₹48,000 cr

EBITDA

₹0 cr

Net income

₹15,000 cr

EPS

₹240.00

EBITDA margin

0.0%

Net margin

31.0%

ROE

20.0%

ROCE

0.0%

Revenue growth

25.0%

Balance sheet health

Debt/equity

4.5

Total debt divided by shareholders' equity: how leveraged the company is.

Cash

₹20,000 cr

Cash and equivalents on the balance sheet.

Interest coverage

1.5

How many times operating profit covers interest expense.

Dividends & returns

Dividend yield

0.4%

Dividend yield is the annual payout as a share of the price. A higher yield can signal a mature, cash-generative business - or a falling price. Check the payout history before reading too much into it.

Growth trend

Revenue growth

25.0%

Revenue growth shows how fast the top line is expanding. Pair it with margin trends to see whether growth is turning into profit.

Ownership

Promoter holding

54.6%

Share held by the founding family or group.

Institutional holding

25.0%

Share held by mutual funds, insurers and foreign institutions.

Placeholders - verify in the shareholding pattern.

Key catalysts

  • Credit growth
  • Product expansion

Red flags

  • Unsecured stress
  • Regulatory risk

52-week range

52-week low

₹6,200.00

Lowest price in the 52-week range.

52-week high

₹7,800.00

Highest price in the 52-week range.