Bajaj Finserv Ltd

Bajaj Finserv Summary Chart Analysis Peers Quarters Profit & Loss Balance Sheet Cash Flow Ratios Investors Documents

Bajaj Finserv Ltd

₹ 1,559 -0.34%
26 Dec 4:01 p.m.
bajajfinserv.in BSE: 532978 NSE: BAJAJFINSV
About

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]

Key Points

Revenue Split
Life Insurance: 25% in FY22 vs 55% in FY18
General Insurance: 28% in FY22 vs 0% in FY18
Retail Financing: 45% in FY22 vs 43% in FY18
Investment:1% in FY22 vs 2% in FY18. [1] [2] [3]

Website BSE NSE
  • Market Cap ₹ 2,48,959 Cr.
  • Current Price ₹ 1,559
  • High / Low ₹ 2,030 / 1,419
  • Stock P/E 160
  • Book Value ₹ 52.0
  • Dividend Yield 0.06 %
  • ROCE 26.0 %
  • ROE 19.8 %
  • Face Value ₹ 1.00
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Pros

  • Company is almost debt free.
  • Company is expected to give good quarter
  • Company has delivered good profit growth of 30.7% CAGR over last 5 years
  • Company's median sales growth is 51.1% of last 10 years
  • Company's working capital requirements have reduced from 17.3 days to 13.6 days

Cons

  • Stock is trading at 30.0 times its book value

* The pros and cons are machine generated. Pros / cons are based on a checklist to highlight important points. Please exercise caution and do your own analysis.

Peer comparison

Sector: Finance Industry: Finance & Investments

Part of Nifty 50 Equal Weight Nifty 100 Low Volatility 30 BSE 100 LargeCap TMC Index BSE Diversified Financials Revenue Growth Index (I BSE Sensex

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Quarterly Results

Standalone Figures in Rs. Crores / View Consolidated

Sep 2021 Dec 2021 Mar 2022 Jun 2022 Sep 2022 Dec 2022 Mar 2023 Jun 2023 Sep 2023 Dec 2023 Mar 2024 Jun 2024 Sep 2024
349 222 30 341 671 33 31 595 1,011 49 44 909 1,217
49 45 28 44 46 43 37 54 52 49 39 59 60
Operating Profit 300 177 2 297 625 -10 -6 541 959 0 5 850 1,157
OPM % 86% 80% 6% 87% 93% -31% -19% 91% 95% 1% 10% 93% 95%
18 50 19 16 18 17 20 8 8 8 11 9 10
Interest 0 0 0 0 0 0 0 0 0 0 0 0 0
Depreciation 1 1 1 1 1 1 1 1 1 1 1 1 1
Profit before tax 317 225 21 312 643 6 14 549 967 7 14 857 1,166
Tax % 25% 25% 18% 25% 24% 20% 31% 26% 22% 40% 45% 26% 22%
238 168 17 233 485 5 9 404 754 4 8 633 908
EPS in Rs 1.50 1.06 0.11 1.46 3.05 0.03 0.06 2.53 4.73 0.03 0.05 3.96 5.68
Raw PDF

Profit & Loss

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 TTM
142 154 209 249 163 252 448 815 392 696 1,147 1,733 2,219
45 49 51 55 60 84 121 130 142 162 170 193 208
Operating Profit 97 105 158 194 103 168 327 685 250 535 978 1,540 2,011
OPM % 68% 68% 76% 78% 63% 67% 73% 84% 64% 77% 85% 89% 91%
-17 3 2 2 2 0 0 -0 -0 33 0 1 37
Interest 0 1 0 0 0 0 0 0 0 0 0 0 0
Depreciation 1 1 3 1 1 1 2 3 5 4 3 3 4
Profit before tax 79 106 158 195 104 167 326 682 245 563 975 1,537 2,045
Tax % 36% 21% 20% 16% 33% 15% 6% 2% 27% 25% 25% 24%
51 84 126 163 70 142 307 667 179 424 733 1,170 1,553
EPS in Rs 0.32 0.52 0.79 1.03 0.44 0.89 1.93 4.19 1.12 2.67 4.60 7.33 9.72
Dividend Payout % 47% 33% 22% 17% 40% 20% 13% 12% 27% 15% 17% 14%
Compounded Sales Growth
10 Years: 27%
5 Years: 31%
3 Years: 64%
TTM: 33%
Compounded Profit Growth
10 Years: 30%
5 Years: 31%
3 Years: 87%
TTM: 32%
Stock Price CAGR
10 Years: 28%
5 Years: 11%
3 Years: -1%
1 Year: -7%
Return on Equity
10 Years: 11%
5 Years: 14%
3 Years: 16%
Last Year: 20%

Balance Sheet

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024 Sep 2024
Equity Capital 80 80 80 80 80 80 80 80 80 80 159 159 160
Reserves 2,328 2,383 2,481 2,616 2,686 2,800 3,055 3,456 3,721 4,289 5,089 6,410 8,143
0 0 0 0 0 0 0 0 0 0 0 0 0
74 74 80 51 48 47 58 65 68 70 70 82 309
Total Liabilities 2,481 2,537 2,640 2,747 2,814 2,927 3,193 3,600 3,869 4,438 5,318 6,651 8,612
70 70 75 75 74 73 73 158 159 110 115 113 113
CWIP 0 1 1 1 1 8 33 0 2 4 4 4 4
Investments 2,367 2,427 2,514 2,379 2,666 2,758 2,937 3,340 3,495 4,191 5,078 6,369 8,259
45 40 51 292 73 87 149 102 213 133 120 164 236
Total Assets 2,481 2,537 2,640 2,747 2,814 2,927 3,193 3,600 3,869 4,438 5,318 6,651 8,612

Cash Flows

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
47 84 39 96 42 142 312 639 169 611 788 1,312
-962 -55 -15 179 -264 -104 -237 -575 -149 -565 -805 -1,273
914 -24 -28 -55 -1 -28 -28 -119 -0 -48 3 -25
Net Cash Flow -0 5 -4 221 -223 11 48 -56 20 -3 -14 14

Ratios

Standalone Figures in Rs. Crores / View Consolidated

Mar 2013 Mar 2014 Mar 2015 Mar 2016 Mar 2017 Mar 2018 Mar 2019 Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Debtor Days 4 2 7 12 1 6 0 0 0 1 0 0
Inventory Days
Days Payable
Cash Conversion Cycle 4 2 7 12 1 6 0 0 0 1 0 0
Working Capital Days -109 -126 -80 1 17 23 18 11 25 23 15 14
ROCE % 6% 4% 6% 7% 4% 6% 11% 20% 7% 13% 20% 26%

Shareholding Pattern

Numbers in percentages

9 Recently
Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024
60.80% 60.77% 60.80% 60.75% 60.75% 60.78% 60.79% 60.69% 60.69% 60.69% 60.64% 60.64%
8.78% 8.50% 7.38% 7.48% 7.81% 7.03% 7.17% 7.66% 7.91% 8.42% 8.39% 8.24%
6.75% 6.97% 7.70% 7.01% 6.91% 7.10% 7.30% 7.09% 7.48% 7.33% 7.60% 8.13%
23.55% 23.65% 24.03% 24.60% 24.39% 24.95% 24.66% 24.31% 23.70% 23.38% 23.18% 22.84%
0.12% 0.11% 0.09% 0.16% 0.14% 0.13% 0.10% 0.25% 0.21% 0.18% 0.19% 0.14%
No. of Shareholders 2,27,9732,43,8532,99,3805,63,4326,31,4367,36,5966,91,2346,60,2955,85,2205,67,0417,08,4328,07,360

* The classifications might have changed from Sep'2022 onwards. The new XBRL format added more details from Sep'22 onwards.

Classifications such as banks and foreign portfolio investors were not available earlier. The sudden changes in FII or DII can be because of these changes.

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