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 may be wary of BAJFINANCE as its revenues are expected to fall below the prior year's levels. A revenue decrease often leads to concerns about profitability, as it is likely to affect the company's bottom line, prompting investors to take a more cautious approach.

Financial Ratios:

currentRatio 0.000000
forwardPE 21.597084
debtToEquity 294.158000
earningsGrowth 0.197000
revenueGrowth 0.201000
grossMargins 0.927510
operatingMargins 0.606950
trailingEps 28.090000
forwardEps 0.000000

BAJFINANCE's Forward PE ratio is favorable, meaning the stock price aligns well with earnings and isn't overvalued. This allows room for growth, making it an attractive investment for those seeking potential upside while ensuring the stock is not overpriced.
BAJFINANCE's high debt-to-equity ratio indicates that the company is heavily leveraged. This suggests a significant reliance on debt to finance its operations, which could expose the company to higher financial risks if its cash flow or profitability decreases.
BAJFINANCE's positive earnings and revenue growth indicate that the company is well-positioned for business expansion. This growth suggests a strong financial trajectory, with BAJFINANCE expected to continue increasing its profits and revenue in the coming periods.
BAJFINANCE's positive gross and operating margins suggest strong profitability. These margins reflect effective cost management and revenue generation, indicating that the company is efficiently managing its operations and maintaining financial health.

Price projections:

Price projections for BAJFINANCE
Price projections for BAJFINANCE

BAJFINANCE's price has consistently hovered around the lower limit of price projections. This pattern suggests that the stock may be underperforming relative to expectations, which could lead to concerns among investors.

Insider Transactions:

Insider Transactions for BAJFINANCE
Insider Transactions for BAJFINANCE


BAJFINANCE experienced 4 selling transactions, with market price of 8350.849853515625.Bajaj Finance Limited had 2 buy transactions while market price was at 7256.35009765625 per share.Insider transactions fail to demonstrate any noticeable trend, leaving ambiguity about the company's potential trajectory or changes in its strategic approach.

Recommendation changes over time:

Recommendations trend for BAJFINANCE
Recommendations trend for BAJFINANCE


Analysts' buy bias toward BAJFINANCE suggests the stock is seen as a solid investment, potentially motivating investors to consider it for their portfolios. With this positive outlook, BAJFINANCE is likely to be viewed as a secure place to allocate funds, driving further interest in the stock.