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Bajaj Finance Limited (BAJFINANCE) Stock Price & Analysis
BAJFINANCE Stock Chart & Stats
- Day’s Range
- INR 939.20 - INR 958.15
- 52-Week Range
- INR 788.40 - INR 1,177.60
- Previous Close
- INR 939.20
- Volume
- N/A
- Average Volume (3M)
- 428.70K
- Market Cap
- INR 5.85T
- Enterprise Value
- INR 10.19T
- Total Cash (Recent Filing)
- INR 157.55B
- Total Debt (Recent Filing)
- INR 3.67T
- Price to Earnings (P/E)
- 27.5
- Beta
- 1.34
- Next Earnings
- Jan 20, 2027 (Est.)
- EPS Estimate
- 10.69
- Last Dividend Ex-Date
- Jun 30, 2026
- Dividend Yield
- 0.63%
Bulls Say, Bears Say
Bulls Say
Growth And Profitability
Rapid AUM and PAT expansion, paired with a 20.6% ROE, indicates the lending platform is scaling while retaining strong profitability. Maintained FY27 and medium-term growth guidance provides a durable operating plan, supporting continued origination, customer acquisition, and earnings expansion over the next several quarters.
Portfolio Quality
Low reported NPAs and 60% provision coverage show that the current loan book remains well provisioned despite expansion. Improving loan-loss performance and better vintage outcomes can protect profitability and provide a stronger base for growth, although continued monitoring remains important as the portfolio scales.
Customer Franchise And Distribution
A 129 million customer franchise and 82 million cross-sell base give the company a substantial distribution platform for repeat borrowing and fee generation. Rising loan and customer additions demonstrate continuing origination reach, which can reinforce scale benefits across its diversified lending products.
Bears Say
High Leverage
Debt-to-equity of roughly 2.9x-3.2x leaves the asset-led lender sensitive to funding conditions and credit cycles. High leverage can constrain flexibility during stress and makes sustained balance-sheet expansion more dependent on continued access to funding and disciplined risk management.
Volatile Cash Flow
Operating and free cash flow have been deeply negative in several years, with strong positive years in between and a sharp free-cash-flow growth decline in 2026. This uneven conversion reduces visibility into internally generated funding and can increase reliance on balance-sheet financing as lending grows.
Net Interest Margin Pressure
Recent NIM compression directly challenges the spread-based economics of the lending model. Further pressure from rising funding costs can reduce profitability on new and existing loans, making disciplined pricing, product mix, and operating efficiency increasingly important over the next several quarters.
Bajaj Finance Limited News
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Company Description
Bajaj Finance Limited
Bajaj Finance Limited, an Indian non-banking financial institution based in Pune, was founded in 1987 and operates as a subsidiary of Bajaj Finserv Limited. The company provides a comprehensive suite of financial products and services. Its diverse lending portfolio includes financing for consumer durables, lifestyle needs, healthcare, digital products, two-wheelers, three-wheelers, used cars, and specialized credit lines for developers, medical equipment, vendors, light engineering, specialty chemicals, financial institutions, corporations, and warehouse operations. The company also offers a wide array of personal, gold, home, business, working capital, secured enterprise, and professional loans, alongside credit against fixed deposits, shares, properties, and other securities. For investors, Bajaj Finance facilitates systematic deposit plans, fixed and term deposits, and mutual funds. Its capital market services extend to IPO and ESOP financing, margin trading, and HNI and retail broking, complete with trading account and depository facilities. In addition to its credit and investment offerings, Bajaj Finance delivers various insurance products, encompassing life, general, health, and specialized pocket insurance. Complementary services include extended warranties, e-commerce solutions, lease rental discounting, financial fitness reports, EMI cards, and co-branded credit cards and digital wallets. The company was previously known as Bajaj Auto Finance Limited.
- Sector
- General
- Industry
- Financial - Credit Services
- CEO
- Rajeev A. Jain
- Employees
- 71,613
- Website
- www.aboutbajajfinserv.com/finance-about-us
- Address
- Bajaj Finserv Corporate Office, Pune, MA, 411014, IN
Bajaj Finance Limited (BAJFINANCE) Earnings & Revenues
BAJFINANCE Earnings Call
Earnings Call SentimentPositive
The call was strongly positive overall, supported by 26.5% AUM growth, 29% PAT growth, broad-based business expansion, healthy returns, improving credit costs, strong customer additions, and continued technology investment. Management also acknowledged pressure from higher Stage II assets, macro and management overlays, NIM compression, regulatory uncertainty, regional credit risks, and intense gold-loan competition, but described these issues as actively managed and maintained its growth and profitability guidance.
View all IN:BAJFINANCE earnings summariesBAJFINANCE Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 9 | 5 | 8 |
| Technical Analysis | 3 | 5 | 2 |
| Moving Averages | 6 | 0 | 6 |
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