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Bajaj Finance Limited (IN:BAJFINANCE)
:BAJFINANCE
India Market
BAJFINANCE
Bajaj Finance Limited
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Bajaj Finance Limited (BAJFINANCE) Ratios

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Bajaj Finance Limited Ratios

IN:BAJFINANCE's free cash flow for Q4 2026 was ₹0.59. For the 2026 fiscal year, IN:BAJFINANCE's free cash flow was decreased by ₹ and operating cash flow was ₹0.34. See a summary of the company’s cash flow.
Ratios
TTM
Mar 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 0.00 0.24 0.21 0.20 1.07
Quick Ratio
 0.00 0.24 0.21 0.02 -54.62
Cash Ratio
 0.00 0.22 0.18 0.17 2.96
Solvency Ratio
 0.05 0.05 0.05 0.05 0.05
Operating Cash Flow Ratio
 0.00 0.49 -0.93 0.32 -29.02
Short-Term Operating Cash Flow Coverage
 0.00 0.29 0.00 0.24 -0.72
Net Current Asset Value
₹ -4.25T₹ -4.25T₹ -3.52T₹ -2.87T₹ -2.19T
Leverage Ratios
Debt-to-Assets Ratio
 0.65 0.65 0.62 0.62 0.63
Debt-to-Equity Ratio
 3.22 3.22 3.00 3.05 3.18
Debt-to-Capital Ratio
 0.76 0.76 0.75 0.75 0.76
Long-Term Debt-to-Capital Ratio
 0.76 0.76 0.75 0.66 0.68
Financial Leverage Ratio
 4.91 4.91 4.82 4.90 5.06
Debt Service Coverage Ratio
 1.51 0.17 0.71 0.15 0.17
Interest Coverage Ratio
 2.20 0.00 0.89 1.03 1.24
Debt to Market Cap
 0.62 0.98 0.54 0.53 0.51
Interest Debt Per Share
 612.29 589.85 508.56 414.74 307.19
Net Debt to EBITDA
 12.25 13.08 12.03 11.19 10.53
Profitability Margins
Gross Profit Margin
61.01%58.11%63.10%64.70%68.22%
EBIT Margin
32.73%31.49%32.89%36.40%39.28%
EBITDA Margin
33.97%32.72%34.20%37.69%40.51%
Operating Profit Margin
37.46%43.36%32.89%36.40%39.28%
Pretax Profit Margin
32.73%31.49%32.89%36.40%39.28%
Net Profit Margin
24.08%23.19%24.79%27.24%29.11%
Continuous Operations Profit Margin
24.49%23.58%25.00%27.23%29.11%
Net Income Per EBT
73.57%73.66%75.35%74.84%74.11%
EBT Per EBIT
87.38%72.63%100.00%100.00%100.00%
Return on Assets (ROA)
3.63%3.40%3.57%3.85%4.18%
Return on Equity (ROE)
19.26%16.68%17.21%18.84%21.16%
Return on Capital Employed (ROCE)
5.64%7.30%5.62%6.16%5.67%
Return on Invested Capital (ROIC)
4.22%4.37%4.27%21.03%18.95%
Return on Tangible Assets
3.63%3.40%3.58%3.86%4.19%
Earnings Yield
3.44%3.82%3.09%3.27%3.39%
Efficiency Ratios
Receivables Turnover
 367.28 357.11 35.09 27.36 0.51
Payables Turnover
 15.62 16.32 13.19 9.07 8.65
Inventory Turnover
 0.00 0.00 0.00 1.65 0.16
Fixed Asset Turnover
 28.95 28.15 24.72 22.26 23.37
Asset Turnover
 0.15 0.15 0.14 0.14 0.14
Working Capital Turnover Ratio
 9.55 -1.44 -1.24 -2.12 34.21
Cash Conversion Cycle
 -22.37 -21.35 -17.27 194.50 3.03K
Days of Sales Outstanding
 0.99 1.02 10.40 13.34 717.36
Days of Inventory Outstanding
 0.00 0.00 0.00 221.39 2.35K
Days of Payables Outstanding
 23.37 22.37 27.67 40.23 42.20
Operating Cycle
 0.99 1.02 10.40 234.73 3.07K
Cash Flow Ratios
Operating Cash Flow Per Share
 -47.55 57.79 -110.17 32.77 -69.77
Free Cash Flow Per Share
 -47.92 56.25 -111.92 31.07 -71.23
CapEx Per Share
 0.36 1.55 1.75 1.70 1.45
Free Cash Flow to Operating Cash Flow
 1.01 0.97 1.02 0.95 1.02
Dividend Paid and CapEx Coverage Ratio
 -7.99 8.09 -20.61 7.01 -20.21
Capital Expenditure Coverage Ratio
 -130.95 37.37 -63.00 19.26 -47.98
Operating Cash Flow Coverage Ratio
 -0.08 0.10 -0.24 0.09 -0.24
Operating Cash Flow to Sales Ratio
 -0.35 0.44 -1.02 0.38 -1.07
Free Cash Flow Yield
-5.05%7.02%-12.87%4.28%-12.68%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 29.04 26.19 32.35 30.61 29.48
Price-to-Sales (P/S) Ratio
 7.00 6.08 8.02 8.34 8.58
Price-to-Book (P/B) Ratio
 5.18 4.37 5.57 5.77 6.24
Price-to-Free Cash Flow (P/FCF) Ratio
 -19.79 14.25 -7.77 23.34 -7.89
Price-to-Operating Cash Flow Ratio
 -19.94 13.87 -7.90 22.13 -8.05
Price-to-Earnings Growth (PEG) Ratio
 1.80 1.90 2.39 1.26 0.47
Price-to-Fair Value
 5.18 4.37 5.57 5.77 6.24
Enterprise Value Multiple
 32.84 31.65 35.47 33.31 31.72
Enterprise Value
 9.41T 8.49T 8.14T 6.66T 5.08T
EV to EBITDA
 32.84 31.65 35.47 33.31 31.72
EV to Sales
 11.16 10.35 12.13 12.55 12.85
EV to Free Cash Flow
 -31.56 24.29 -11.76 35.14 -11.81
EV to Operating Cash Flow
 -31.80 23.64 -11.95 33.32 -12.05
Tangible Book Value Per Share
 186.18 186.38 158.14 124.23 88.87
Shareholders’ Equity Per Share
 183.24 183.43 156.30 125.72 90.02
Tax and Other Ratios
Effective Tax Rate
 0.25 0.25 0.24 0.25 0.26
Revenue Per Share
 135.54 131.93 108.51 86.96 65.44
Net Income Per Share
 32.64 30.60 26.89 23.69 19.05
Tax Burden
 0.74 0.74 0.75 0.75 0.74
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 0.00 <0.01
Income Quality
 -1.25 1.89 -4.10 1.38 -2.71
Currency in INR