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 5.707000
forwardPE 22.009708
debtToEquity 292.998000
earningsGrowth 0.170000
revenueGrowth 0.140000
grossMargins 0.929770
operatingMargins 0.588100
trailingEps 26.830000
forwardEps 0.000000

BAJFINANCE's current ratio of 5.707 highlights the company's ability to easily cover its short-term debt using its available cash and assets. This indicates a strong liquidity position, ensuring BAJFINANCE is unlikely to face difficulties in meeting immediate financial obligations.
Bajaj Finance Limited's Forward PE is at a healthy level, indicating that the stock price is well-positioned relative to its earnings. With the stock not being overvalued, there remains room for future growth, suggesting a balanced opportunity for investors seeking potential upside.
BAJFINANCE's high debt-to-equity ratio indicates a high level of leverage, meaning the company relies significantly on debt for financing. This can increase financial risk, particularly in times of economic instability or reduced profitability.
Positive earnings and revenue growth for Bajaj Finance Limited suggest that the company is positioned for business expansion. The company's strong financial performance indicates sustained growth, as increasing sales and profits fuel its future success.
BAJFINANCE's positive gross and operating margins indicate strong financial performance. These margins show that the company is profitable and efficient in its operations, with effective cost control contributing to its overall financial success.

Price projections:

Price projections for BAJFINANCE
Price projections for BAJFINANCE

BAJFINANCE's price projections have gradually risen, indicating growing confidence in the company's prospects. This upward trend suggests that analysts expect BAJFINANCE to continue performing well in the future.

Insider Transactions:

Insider Transactions for BAJFINANCE
Insider Transactions for BAJFINANCE


BAJFINANCE stock was sold in 4 transactions, with market price at 8350.849853515625.There were 2 purchases of BAJFINANCE stock, with market price of 7256.35009765625.The insider transaction data shows no clear pattern or trend, making it difficult to draw any meaningful conclusions about the company's current direction based on this information.

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.