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

Investors are expected to be cautious with BAJFINANCE, as its revenues are projected to fall compared to last year. A decline in revenue often results in a negative impact on profitability, prompting concerns about the company's financial stability and making investors more conservative in their approach.

Financial Ratios:

currentRatio 6.340000
forwardPE 22.439228
debtToEquity 310.294000
earningsGrowth 0.214000
revenueGrowth 0.206000
grossMargins 0.925750
operatingMargins 0.605910
trailingEps 29.410000
forwardEps 41.349460

With a current ratio of 6.34, BAJFINANCE has the liquidity needed to easily service its short-term debt. The company's cash reserves and current assets are sufficient, indicating that BAJFINANCE is in a strong position to meet its immediate financial obligations without difficulty.
BAJFINANCE's Forward PE ratio suggests the stock price is reasonable in relation to earnings. It's not overpriced, providing room for future growth, making the stock a potentially valuable investment for those seeking long-term gains.
BAJFINANCE's high debt-to-equity ratio shows the company is significantly leveraged, relying heavily on debt financing. This raises the potential for increased financial risk, especially if the company's earnings or cash flow are negatively impacted.
BAJFINANCE's positive earnings and revenue growth suggest the company is on a path to business expansion. This upward trend signals strong financial health, indicating that BAJFINANCE is well-positioned for sustained growth in both profits and revenue.
With positive gross and operating margins, Bajaj Finance Limited's profitability is evident. These metrics suggest the company is efficiently managing its expenses while maintaining strong revenue, highlighting a solid financial foundation.
BAJFINANCE's forward EPS surpasses its trailing EPS, reflecting expectations of higher profitability in the current year. This suggests that BAJFINANCE is projected to generate stronger earnings, indicating an optimistic financial outlook compared to the prior year's results.

Price projections:

Price projections for BAJFINANCE
Price projections for BAJFINANCE

The price of BAJFINANCE has consistently been close to the lower limit of expectations. This trend may point to challenges in the company's performance, leading to concerns about its future growth potential.

Insider Transactions:

Insider Transactions for BAJFINANCE
Insider Transactions for BAJFINANCE


Bajaj Finance Limited saw 3 transactions in which shares were sold with market price at 8702.81640625.4 separate purchases of BAJFINANCE stock were made, while market price was at 1016.6750030517578 per share.With more buying than selling around BAJFINANCE's current price, investors could be expressing optimism. This trend may suggest that the market expects favorable outcomes for the stock, leading to an increased demand at these levels.

Recommendation changes over time:

Recommendations trend for BAJFINANCE
Recommendations trend for BAJFINANCE


BAJFINANCE has garnered a buy bias from analysts recently, suggesting the stock is a good investment opportunity. This may lead to increased investor interest, as BAJFINANCE is seen as a reliable place to park money for those looking to benefit from potential market gains and company growth.