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Swing Capital

Bajaj Finserv Ltd

NSE: BAJAJFINSV BSE: 532978Finance

Bajaj Finserv Ltd. is the holding company for the various financial services businesses under the Bajaj group. It serves millions of customers by providing solutions for asset acquisition through financing, asset protection through general insurance, family and income protection in the form of life and health insurance, and retirement and savings solutions.[1]

₹1,742
52W: ₹1597 — ₹2195
PE 195 · Book ₹63.6 · +2639% vs book
Market Cap₹2,78,784 Cr
Stock P/E195Price to Earnings
ROCE19.2%Return on Capital
ROE15.4%Return on Equity
Div. Yield0.09%Face Value ₹1

Strengths

  • +Company is almost debt free.
  • +Company has delivered good profit growth of 51.6% CAGR over last 5 years
  • +Company's median sales growth is 53.0% of last 10 years

Weaknesses

  • −Stock is trading at 26.9 times its book value

Shareholding Pattern

Promoters58.72%
FIIs7.23%
DIIs11.76%
Public22.16%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters60.64%60.64%60.64%60.64%58.81%▼1.858.81%58.81%58.72%▼0.1
FIIs8.39%8.24%▼0.27.4%▼0.87.53%▲0.18.4%▲0.98.11%▼0.38.06%▼0.07.23%▼0.8
DIIs7.6%8.13%▲0.58.91%▲0.88.99%▲0.110.09%▲1.110.49%▲0.410.74%▲0.311.76%▲1.0
Public23.18%22.84%▼0.322.93%▲0.122.71%▼0.222.6%▼0.122.52%▼0.122.37%▼0.122.16%▼0.2

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales49449091,21771654341,4736347
Expenses49395960656164776782
Operating Profit058501,157643711,396-5-35
OPM %1%10%93%95%8%6%85%95%-8%-76%
Net Profit486339081183301,085116
EPS ₹0.030.053.965.680.070.052.066.7900.1

AI Insights

Revenue Trend

Mar 2026 revenue at ₹2,016Cr, down 12.3% YoY. OPM at 86%.

Debt Position

Borrowings at ₹0Cr. Debt-to-equity ratio: 0.00x. Healthy balance sheet.

Capex Cycle

CWIP at ₹13Cr (10% of fixed assets). Moderate ongoing capital expenditure.

Institutional Flow

DIIs: 11.76% (+4.46pp change). FIIs: 7.23% (+0.06pp change). Promoters hold 58.72%.

Margin & Efficiency

ROCE improving from 6% (Mar 2015) to 19% (Mar 2026). Working capital days: -13.

Valuation

PE 195x with 19.2% ROCE. Price is 2639% above book value of ₹63.6. Dividend yield: 0.09%.

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