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 revenue expected to be lower than the previous year, investors may become cautious. Declining revenues often negatively impact the bottom line, reducing profitability and raising concerns among investors about the company's ability to maintain strong financial performance moving forward.

Financial Ratios:

currentRatio 5.707000
forwardPE 21.937119
debtToEquity 292.998000
earningsGrowth 0.170000
revenueGrowth 0.140000
grossMargins 0.929770
operatingMargins 0.588100
trailingEps 267.790000
forwardEps 0.000000

Bajaj Finance Limited's current ratio 5.707, suggesting the company has sufficient liquidity to service its short-term debt. With its cash reserves and current assets in good shape, Bajaj Finance Limited can comfortably meet its immediate liabilities, reflecting a healthy financial standing.
BAJFINANCE's Forward PE is in a favorable range, meaning its stock price compares well with its earnings and isn't overpriced. This leaves room for growth, making it a compelling opportunity for investors looking to benefit from potential future gains.
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.
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.
Bajaj Finance Limited's positive gross and operating margins highlight its profitability and operational efficiency. These strong margins demonstrate the company's ability to control costs while generating substantial revenue, contributing to a healthy financial performance.

Price projections:

Price projections for BAJFINANCE
Price projections for BAJFINANCE

The steady upward revision of BAJFINANCE's price projections indicates growing confidence in the company's future. Analysts are increasingly optimistic about BAJFINANCE's potential to deliver strong results and increased market value.

Insider Transactions:

Insider Transactions for BAJFINANCE
Insider Transactions for BAJFINANCE


Recent trading of BAJFINANCE stock saw 5 sales, with market price at 7967.4298828125 per share.2 purchases of BAJFINANCE stock were recorded, with market price of 7256.35009765625 per share.There is no discernible trend in insider transactions, making it hard to determine whether these actions signal positive or negative developments within the company.

Recommendation changes over time:

Recommendations trend for BAJFINANCE
Recommendations trend for BAJFINANCE


With analysts showing a buy bias for BAJFINANCE, investors may be more inclined to see the stock as an attractive investment. The favorable outlook could spur increased interest, positioning BAJFINANCE as a safe and profitable place for investors to allocate their funds and seek growth.