Bajaj Finserv Ltd.
NSE: BAJAJFINSV · Holding Company
Snapshot
Unlock Bajaj Finserv Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bajaj Finserv Ltd. is a diversified financial services holding company operating through subsidiaries that provide retail financing, life and general insurance, and investment services. The company also maintains a small portfolio of renewable energy assets through its windmill operations.
Business Model
The company generates revenue primarily through interest income from its lending subsidiaries, insurance premiums, and fees from investment and broking services. It leverages a broad ecosystem of financial products to cross-sell services to its extensive retail and SME customer base.
- Windmill capacity:65.2 megawatts
- Number of windmills:138
Growth Outlook
Growth is driven by the expansion of digital lending platforms, increased penetration of insurance products, and the scaling of wealth management and payment services. The company continues to focus on integrating its financial ecosystem to capture a larger share of the Indian consumer's wallet.
Key Risks
- Regulatory Risk. Changes in Reserve Bank of India or IRDAI regulations could significantly impact lending margins and insurance underwriting requirements.
- Credit Risk. Economic downturns may lead to higher non-performing assets within the retail and SME loan portfolios.
- Market Competition. Intense competition from fintech startups and traditional banks may pressure interest margins and customer acquisition costs.
- Interest Rate Risk. Fluctuations in interest rates can affect the cost of funds and the demand for credit products across the group's financing subsidiaries.
Price
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Key Metrics
REVENUE
₹1,51,044 Cr
TTM · consolidated
NET PROFIT
₹19,669 Cr
TTM · consolidated
EPS
₹61.50
TTM · consolidated
RETURN ON EQUITY
26.7%
TTM · consolidated
P/E
29.9x
Q4 FY26 · consolidated
NET PROFIT MARGIN
13.6%
Q4 FY26 · consolidated
DEBT TO EQUITY
3.8x
Q3 FY20 · consolidated
Peers · Holding Company
| Company | Mkt Cap (Cr) | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Bajaj Finserv Ltd.BAJAJFINSV | 2,72,141 | 29.90 | — | 12.9% | 38.0% | 26.7% | — | -9.7% |
Bajaj Holdings & Investment Ltd.BAJAJHLDNG | 1,04,056 | 12.03 | — | 56.3% | 85.0% | 15.0% | — | -26.1% |
Choice International Ltd.CHOICEIN | 13,774 | 71.57 | — | 22.8% | 36.0% | 20.0% | — | +8.0% |
JM Financial Ltd.JMFINANCIL | 11,567 | 10.01 | — | -6.5% | 61.0% | 12.1% | — | -26.3% |
Edelweiss Financial Services LimitedEDELWEISS | 9,891 | 14.15 | — | 36.2% | 30.0% | 17.5% | — | -2.4% |
Pilani Invest.PILANIINVS | 5,024 | 180.73 | — | 10.1% | 89.0% | 0.2% | — | -17.5% |
As of Q4 FY26
Financials
Bajaj Finserv Ltd.
NSE: BAJAJFINSV · Holding Company
Snapshot
Unlock Bajaj Finserv Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bajaj Finserv Ltd. is a diversified financial services holding company operating through subsidiaries that provide retail financing, life and general insurance, and investment services. The company also maintains a small portfolio of renewable energy assets through its windmill operations.
Business Model
The company generates revenue primarily through interest income from its lending subsidiaries, insurance premiums, and fees from investment and broking services. It leverages a broad ecosystem of financial products to cross-sell services to its extensive retail and SME customer base.
- Windmill capacity:65.2 megawatts
- Number of windmills:138
Growth Outlook
Growth is driven by the expansion of digital lending platforms, increased penetration of insurance products, and the scaling of wealth management and payment services. The company continues to focus on integrating its financial ecosystem to capture a larger share of the Indian consumer's wallet.
Key Risks
- Regulatory Risk. Changes in Reserve Bank of India or IRDAI regulations could significantly impact lending margins and insurance underwriting requirements.
- Credit Risk. Economic downturns may lead to higher non-performing assets within the retail and SME loan portfolios.
- Market Competition. Intense competition from fintech startups and traditional banks may pressure interest margins and customer acquisition costs.
- Interest Rate Risk. Fluctuations in interest rates can affect the cost of funds and the demand for credit products across the group's financing subsidiaries.
Price
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Start your research today
Unlock AI insights, financials, peers and live data on Bajaj Finserv Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹1,51,044 Cr
TTM · consolidated
NET PROFIT
₹19,669 Cr
TTM · consolidated
EPS
₹61.50
TTM · consolidated
RETURN ON EQUITY
26.7%
TTM · consolidated
P/E
29.9x
Q4 FY26 · consolidated
NET PROFIT MARGIN
13.6%
Q4 FY26 · consolidated
DEBT TO EQUITY
3.8x
Q3 FY20 · consolidated
Peers · Holding Company
As of Q4 FY26