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Swing Capital

Bajaj Finance Ltd

NSE: BAJFINANCE BSE: 500034Banking

Bajaj Finance is mainly engaged in the business of lending. BFL has a diversified lending portfolio across retail, SME and commercial customers with a significant presence in urban and rural India. It also accepts public and corporate deposits and offers variety of financial services products to its customers.(Source : 202003 Annual Report Page No:124)

₹916
52W: ₹788 — ₹1102
PE 33.7 · Book ₹166 · +452% vs book
Market Cap₹5,70,329 Cr
Stock P/E33.7Price to Earnings
ROCE11.1%Return on Capital
ROE17.7%Return on Equity
Div. Yield0.6%Face Value ₹1

Strengths

  • +Company has delivered good profit growth of 33.7% CAGR over last 5 years
  • +Company has been maintaining a healthy dividend payout of 19.8%
  • +Company's median sales growth is 29.8% of last 10 years

Weaknesses

  • −Stock is trading at 5.42 times its book value

Shareholding Pattern

Promoters54.71%
FIIs21.33%
DIIs15.1%
Public8.73%
CategoryJun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Promoters54.7%54.7%54.7%54.73%▲0.054.73%54.67%▼0.154.7%▲0.054.71%▲0.0
FIIs21.08%20.81%▼0.320.79%▼0.021.45%▲0.721.71%▲0.321.97%▲0.321.49%▼0.521.33%▼0.2
DIIs14.23%15.01%▲0.815.08%▲0.114.78%▼0.314.52%▼0.314.39%▼0.114.86%▲0.515.1%▲0.2
Public9.83%9.36%▼0.59.32%▼0.08.84%▼0.58.92%▲0.18.78%▼0.18.77%▼0.08.73%▼0.0

Financial Statements

MetricDec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales0000000000
Expenses4,0334,1584,7365,1055,4345,5965,6935,9987,4076,221
Operating Profit0000000000
OPM %0%0%0%0%0%0%0%0%0%0%
Net Profit3,1773,4023,4025,6143,7063,9404,1334,2514,5814,840
EPS ₹5.145.55.59.075.996.346.656.837.367.78

AI Insights

Revenue Trend

Mar 2026 revenue at ₹0Cr, up 0% YoY. OPM at 0%.

Debt Position

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

Capex Cycle

CWIP at ₹62Cr (2% of fixed assets). Moderate ongoing capital expenditure.

Institutional Flow

DIIs: 15.1% (+2.27pp change). FIIs: 21.33% (+1.24pp change). Promoters hold 54.71%.

Margin & Efficiency

ROCE improving from 0% (Mar 2015) to 0% (Mar 2026). Working capital days: 0.

Valuation

PE 33.7x with 11.1% ROCE. Price is 452% above book value of ₹166. Dividend yield: 0.6%.

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