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 Bajaj Finance Limited's revenues expected to fall below the previous year's, investors are likely to approach the stock with caution. Declining revenues can negatively affect profitability, which makes it harder for the company to maintain investor confidence and perform well in the market.

Financial Ratios:

currentRatio 6.340000
forwardPE 24.339722
debtToEquity 310.294000
earningsGrowth 0.214000
revenueGrowth 0.206000
grossMargins 0.925750
operatingMargins 0.605910
trailingEps 29.380000
forwardEps 0.000000

BAJFINANCE's current ratio being 6.34 shows it has more than enough assets to cover its short-term debts. The company's liquidity position is strong, with ample cash reserves available to meet its immediate financial obligations without strain.
BAJFINANCE's Forward PE is at a healthy level, meaning the stock price is aligned favorably with earnings. This suggests that the stock isn't overpriced, providing room for growth and making it an appealing option for investors looking to capitalize on potential future gains.
BAJFINANCE's high debt-to-equity ratio points to a heavily leveraged company, with more debt than equity in its capital structure. While this can boost growth, it increases financial vulnerability in times of economic difficulty.
With both earnings and revenue growth showing positive trends, BAJFINANCE is expected to expand its business. This signals a healthy financial trajectory, suggesting that the company is positioned for continued growth and increasing profitability.
Positive gross and operating margins for BAJFINANCE suggest that the company is operating profitably. These margins highlight BAJFINANCE's efficiency in managing costs while maintaining healthy revenue streams, contributing to its overall financial strength.

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 shares were sold in recent transactions, with market price at 8702.81640625.There were 3 buy transactions of BAJFINANCE, with market price at 1022.9000040690104.An increase in buying activity relative to selling at Bajaj Finance Limited's current price might suggest a favorable sentiment among investors. This trend could be interpreted as a sign that the stock has a positive outlook in the near term.

Recommendation changes over time:

Recommendations trend for BAJFINANCE
Recommendations trend for BAJFINANCE


Recent analysis shows a strong buy bias for BAJFINANCE, encouraging investors to view it as a solid investment option. The positive sentiment surrounding BAJFINANCE suggests it could be an attractive place to allocate funds, motivating potential investors to consider the stock as a valuable part of their portfolio.