Bajaj Finance Ltd.
NSE: BAJFINANCE · Non Banking Financial Company (NBFC)
Snapshot
Unlock Bajaj Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bajaj Finance Limited is a prominent Indian non-banking financial company that provides a diverse range of lending, insurance, and investment products. Its portfolio spans consumer, SME, and commercial lending, alongside wealth management and payment services.
Business Model
The company generates revenue primarily through interest income on a vast array of retail and corporate loan products, supplemented by fee-based income from insurance distribution, broking services, and co-branded credit cards. It leverages a widespread network and digital platforms to maintain high-volume customer acquisition and cross-selling.
Growth Outlook
Growth is driven by the expansion of its digital ecosystem, including EMI cards and mobile wallets, alongside the diversification of its loan book into new segments like used car and medical equipment finance. The company continues to focus on deepening its penetration in the Indian retail credit market.
Key Risks
- Credit Risk. The company faces potential losses from defaults in its unsecured retail and SME loan portfolios during economic downturns.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations that may impact liquidity, capital adequacy, and lending practices.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and affect the cost of borrowing for the company's lending operations.
- Competition. Increasing competition from traditional banks and emerging fintech players may pressure market share and pricing power.
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Key Metrics
REVENUE
₹86,164 Cr
TTM · consolidated
NET PROFIT
₹20,648 Cr
TTM · consolidated
EPS
₹32.66
TTM · consolidated
RETURN ON EQUITY
19.6%
TTM · consolidated
P/E
32.5x
Q1 FY27 · consolidated
NET PROFIT MARGIN
26.2%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
| Company | Mkt Cap | P/E | EV/EBITDA | Rev Gr YoY | EBITDA Mgn | ROE | ROCE | 1Y Return |
|---|---|---|---|---|---|---|---|---|
Bajaj Finance Ltd.BAJFINANCE | ₹6.60L Cr | 32.47 | — | 17.9% | — | 19.6% | — | +13.5% |
Shriram Finance Ltd.SHRIRAMFIN | ₹2.45L Cr | 18.37 | — | 14.2% | — | 18.5% | — | +77.7% |
Tata CapitalTATACAP | ₹1.59L Cr | 29.10 | — | — | — | 11.9% | — | — |
Cholamandalam Investment and Finance Company Ltd.CHOLAFIN | ₹1.57L Cr | 27.11 | — | 19.6% | — | 21.2% | — | +25.9% |
Muthoot Finance Ltd.MUTHOOTFIN | ₹1.17L Cr | 10.29 | — | 50.7% | — | 33.5% | — | +3.1% |
L&T Finance Ltd.LTF | ₹78,673 Cr | 24.70 | — | 15.4% | — | 11.9% | — | +37.8% |
As of Q1 FY27
Financials
Bajaj Finance Ltd.
NSE: BAJFINANCE · Non Banking Financial Company (NBFC)
Snapshot
Unlock Bajaj Finance Ltd.'s vital signs
Growth · Profitability · Valuation · Strength · Conviction
Company Overview
Business
Bajaj Finance Limited is a prominent Indian non-banking financial company that provides a diverse range of lending, insurance, and investment products. Its portfolio spans consumer, SME, and commercial lending, alongside wealth management and payment services.
Business Model
The company generates revenue primarily through interest income on a vast array of retail and corporate loan products, supplemented by fee-based income from insurance distribution, broking services, and co-branded credit cards. It leverages a widespread network and digital platforms to maintain high-volume customer acquisition and cross-selling.
Growth Outlook
Growth is driven by the expansion of its digital ecosystem, including EMI cards and mobile wallets, alongside the diversification of its loan book into new segments like used car and medical equipment finance. The company continues to focus on deepening its penetration in the Indian retail credit market.
Key Risks
- Credit Risk. The company faces potential losses from defaults in its unsecured retail and SME loan portfolios during economic downturns.
- Regulatory Risk. As an NBFC, the company is subject to evolving Reserve Bank of India regulations that may impact liquidity, capital adequacy, and lending practices.
- Interest Rate Risk. Fluctuations in interest rates can compress net interest margins and affect the cost of borrowing for the company's lending operations.
- Competition. Increasing competition from traditional banks and emerging fintech players may pressure market share and pricing power.
Start your research today
Unlock AI insights, financials, peers and live data on Bajaj Finance Ltd. and 5,000+ companies — free.
Key Metrics
REVENUE
₹86,164 Cr
TTM · consolidated
NET PROFIT
₹20,648 Cr
TTM · consolidated
EPS
₹32.66
TTM · consolidated
RETURN ON EQUITY
19.6%
TTM · consolidated
P/E
32.5x
Q1 FY27 · consolidated
NET PROFIT MARGIN
26.2%
Q1 FY27 · consolidated
Peers · Non Banking Financial Company (NBFC)
As of Q1 FY27