Overall Fundamental outlook

Business Operations:

Sector: Financial Services
Industry: Credit Services

Bajaj Finance Limited operates as a deposit-taking non-banking financial company in India. The company offers consumer finance products comprising durable, lifestyle, and digital products; EMI cards; two and three-wheeler, and personal loans; loans against fixed deposit; home and gold loans; and extended warranties, retail EMIs, consumer electronics, furniture, e-commerce, and co-branded credit cards and wallets. It also provides secured and unsecured loans to micro, small, and medium enterprises (MSMEs) and SMEs; loans against property, mutual funds, insurance policies, and shares; lease rental discounting, business and professional loans, working capital loans, and term loans; developer finance; and new and used car, and tractor financing. In addition, the company offer commercial and rural lending; public and corporate deposits; loans against securities; and various investment services, including demat services, broking, and margin trade financing. Further, it distributes life, health, and general insurance products. The company was formerly known as Bajaj Auto Finance Limited and changed its name to Bajaj Finance Limited in September 2010. The company was incorporated in 1987 and is based in Pune, India. Bajaj Finance Limited is a subsidiary of Bajaj Finserv Ltd.

Revenue projections:

Revenue projections for BAJFINANCE
Revenue projections for BAJFINANCE

Revenues for Bajaj Finance Limited are forecasted to decline from last year's levels, prompting caution among investors. When revenues fall, it can have a significant negative impact on the company's bottom line, reducing profitability and making the stock less attractive to risk-averse investors.

Financial Ratios:

currentRatio 5.70700
forwardPE 21.31340
debtToEquity 292.99800
earningsGrowth 0.17000
revenueGrowth 0.14000
grossMargins 0.92977
operatingMargins 0.58810
trailingEps 268.47000
forwardEps 0.00000

BAJFINANCE's current ratio, being 5.707, demonstrates that the company has the liquidity necessary to service its short-term debt. With strong cash reserves and current assets, BAJFINANCE is well-equipped to meet its immediate financial obligations without any difficulties.
With BAJFINANCE's Forward PE in a favorable range, the stock appears reasonably priced compared to its earnings. This suggests that it's not overpriced and there is room for growth, providing an encouraging opportunity for investors seeking future value increases.
BAJFINANCE's high debt-to-equity ratio reveals that the company is heavily reliant on debt for financing. This high level of leverage increases the risk of financial strain if profits decline or interest rates rise.
BAJFINANCE's positive earnings and revenue growth point to business expansion on the horizon. The company is positioned for continued success, with increasing profits and revenue growth highlighting a strong path forward for future growth.
Bajaj Finance Limited's positive gross and operating margins suggest the company is performing profitably. These margins reflect efficient cost management and strong revenue generation, signaling healthy financial performance and operational effectiveness.

Price projections:

Price projections for BAJFINANCE
Price projections for BAJFINANCE

Over time, price projections for Bajaj Finance Limited have risen steadily, pointing to growing optimism among analysts about the company's future. This upward trend suggests a positive outlook for Bajaj Finance Limited's continued growth.

Insider Transactions:

Insider Transactions for BAJFINANCE
Insider Transactions for BAJFINANCE


BAJFINANCE saw 4 transactions in which shares were sold with market price at 8350.849853515625.2 transactions to buy BAJFINANCE occurred, with market price at 7256.35009765625.Insider transactions show no notable pattern, making it difficult to discern whether these actions signal positive or negative developments within the company.

Recommendation changes over time:

Recommendations trend for BAJFINANCE
Recommendations trend for BAJFINANCE


BAJFINANCE has been receiving a buy bias from analysts, indicating confidence in its investment potential. This could drive more investors to view BAJFINANCE as a reliable choice for their money, offering a promising avenue for future growth and financial gains.