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

With BAJFINANCE's revenues forecasted to be lower than last year's, investors are expected to be cautious. A decline in revenue typically harms the company's bottom line, reducing profitability and making investors less confident about the company's ability to sustain its financial health.

Financial Ratios:

currentRatio 0.000000
forwardPE 25.315676
debtToEquity 294.158000
earningsGrowth 0.197000
revenueGrowth 0.201000
grossMargins 0.927510
operatingMargins 0.606950
trailingEps 28.030000
forwardEps 0.000000

Bajaj Finance Limited's Forward PE being in a good range indicates the stock is priced well relative to its earnings. It is not overvalued, leaving space for future growth, making it an appealing option for investors interested in long-term value appreciation.
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 signal that the company is expected to expand its business. This healthy financial trend reflects an optimistic outlook, suggesting continued growth in both sales and profits for BAJFINANCE.
BAJFINANCE's positive gross and operating margins indicate a profitable and efficient business model. These metrics highlight the company's ability to generate income while controlling operational costs, reflecting strong financial performance.

Price projections:

Price projections for BAJFINANCE
Price projections for BAJFINANCE

BAJFINANCE's stock price has consistently been near the lower edge of expected values, indicating potential struggles in meeting growth projections. This trend may reflect a cautious market sentiment toward the company.

Insider Transactions:

Insider Transactions for BAJFINANCE
Insider Transactions for BAJFINANCE


3 BAJFINANCE stock sales were completed, with market price of 8702.81640625.2 transactions to buy BAJFINANCE shares were recorded, with market price at 1010.3500061035156.The trend of more buys compared to sells around BAJFINANCE's current price levels may signal investor optimism. This behavior suggests that the market is expecting a favorable outcome for the stock, leading to increased buying activity.

Recommendation changes over time:

Recommendations trend for BAJFINANCE
Recommendations trend for BAJFINANCE


Analysts' buy bias for Bajaj Finance Limited signals that the stock is considered a favorable investment. This outlook might prompt investors to allocate funds to Bajaj Finance Limited, seeing it as a solid and profitable choice to park their money and potentially benefit from the company's long-term growth.