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 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 0.000000
forwardPE 21.928053
debtToEquity 294.158000
earningsGrowth 0.197000
revenueGrowth 0.201000
grossMargins 0.927510
operatingMargins 0.606950
trailingEps 28.060000
forwardEps 0.000000

With BAJFINANCE's Forward PE in a favorable range, the stock appears reasonably priced compared to its earnings. This suggests that it's not overpriced and there is room for growth, providing an encouraging opportunity for investors seeking future value increases.
BAJFINANCE's high debt-to-equity ratio indicates the company is using significant leverage, relying more on debt to finance its operations. This can lead to higher risk, especially if profitability falters or economic conditions worsen.
Bajaj Finance Limited'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 Bajaj Finance Limited is well-positioned for sustained growth in both profits and revenue.
BAJFINANCE's positive gross and operating margins suggest that the company is operating profitably. These strong margins indicate effective cost management and revenue generation, contributing to a solid financial foundation.

Price projections:

Price projections for BAJFINANCE
Price projections for BAJFINANCE

Bajaj Finance Limited's price has consistently been situated near the lower end of expected values. This ongoing trend may reflect investor skepticism about the company's growth potential and overall performance.

Insider Transactions:

Insider Transactions for BAJFINANCE
Insider Transactions for BAJFINANCE


3 separate sales of BAJFINANCE shares were executed, with the market price hovering at 8702.81640625.There were no sell transactions during the period under consideration.BAJFINANCE is seeing more buys than sells at current price levels, which may indicate a positive market outlook. This trend suggests growing confidence among investors, who appear to expect favorable performance from the stock.

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.