Shares of Bajaj Finance were trading flat in Thursday's session, with the stock currently priced at Rs 856.95, a marginal decline of 0.35% from its previous close. This comes as the stock touched a day's high of Rs 866.90 and a low of Rs 855.45 during the session as of 1:40 pm, according to Moneycontrol analysis. The stock is included in the Nifty 50 index.
Financial Snapshot:
Here is a look at the consolidated financial performance of Bajaj Finance:
Quarterly Performance:
The table below presents the quarterly revenue, net profit, and EPS.
| Heading | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 |
|---|---|---|---|---|---|
| Revenue | Rs 16,098.67 Crore | Rs 17,090.27 Crore | Rs 18,035.11 Crore | Rs 18,456.85 Crore | Rs 19,523.88 Crore |
| Net Profit | Rs 3,909.46 Crore | Rs 4,010.29 Crore | Rs 4,305.17 Crore | Rs 4,536.75 Crore | Rs 4,764.55 Crore |
| EPS | 63.28 | 64.66 | 68.63 | 72.35 | 7.57 |
The revenue for the quarter-ending June 2025 stood at Rs 19,523.88 Crore, up from Rs 16,098.67 Crore in June 2024. The net profit for the same period was Rs 4,764.55 Crore, increased from Rs 3,909.46 Crore in June 2024. The EPS for June 2025 was 7.57, as compared to 63.28 in June 2024.
Annual Performance:
The table below presents the annual revenue, net profit, EPS, BVPS, ROE and Debt to Equity.
| Heading | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | Rs 26,668.10 Crore | Rs 31,632.42 Crore | Rs 41,397.38 Crore | Rs 54,969.49 Crore | Rs 69,683.51 Crore |
| Net Profit | Rs 4,419.82 Crore | Rs 7,028.23 Crore | Rs 11,506.02 Crore | Rs 14,443.53 Crore | Rs 16,761.67 Crore |
| EPS | 73.58 | 116.64 | 190.53 | 236.89 | 268.94 |
| BVPS | 613.67 | 724.56 | 899.53 | 1,241.03 | 1,557.43 |
| ROE | 11.97 | 16.07 | 21.16 | 18.84 | 17.20 |
| Debt to Equity | 3.57 | 3.78 | 3.99 | 3.82 | 3.74 |
The company's revenue for the year-ending March 2025 was Rs 69,683.51 Crore, compared to Rs 54,969.49 Crore for the year-ending March 2024. Net profit for year-ending March 2025 stood at Rs 16,761.67 Crore, up from Rs 14,443.53 Crore in the previous year. The EPS increased from Rs 236.89 to Rs 268.94. The Debt to Equity ratio was 3.74 for year-ending March 2025.
Yearly Income Statement:
The following table shows the yearly income statement of Bajaj Finance:
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
|---|---|---|---|---|---|
| Sales | 69,683 | 54,969 | 41,397 | 31,632 | 26,668 |
| Other Income | 41 | 13 | 8 | 7 | 14 |
| Total Income | 69,724 | 54,982 | 41,405 | 31,640 | 26,683 |
| Total Expenditure | 22,892 | 16,955 | 13,319 | 12,388 | 11,276 |
| EBIT | 46,832 | 38,026 | 28,086 | 19,252 | 15,406 |
| Interest | 24,770 | 18,724 | 12,559 | 9,748 | 9,414 |
| Tax | 5,300 | 4,858 | 4,020 | 2,475 | 1,572 |
| Net Profit | 16,761 | 14,443 | 11,506 | 7,028 | 4,419 |
The sales for the year-ending March 2025 were 69,683 compared to 54,969 in March 2024. Total expenditure stood at 22,892 as compared to 16,955 in March 2024. The net profit stood at 16,761 for year-ending March 2025.
Quarterly Income Statement:
The following table shows the quarterly income statement of Bajaj Finance:
| Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | |
|---|---|---|---|---|---|
| Sales | 19,523 | 18,456 | 18,035 | 17,090 | 16,098 |
| Other Income | 3 | 11 | 23 | 5 | 3 |
| Total Income | 19,527 | 18,468 | 18,058 | 17,095 | 16,102 |
| Total Expenditure | 6,243 | 6,278 | 5,910 | 5,548 | 5,155 |
| EBIT | 13,284 | 12,190 | 12,148 | 11,547 | 10,946 |
| Interest | 6,917 | 6,551 | 6,385 | 6,149 | 5,683 |
| Tax | 1,602 | 1,101 | 1,457 | 1,387 | 1,353 |
| Net Profit | 4,764 | 4,536 | 4,305 | 4,010 | 3,909 |
The sales for the quarter-ending June 2025 were 19,523 compared to 18,456 in March 2025. Total expenditure stood at 6,243 as compared to 6,278 in March 2025. The net profit stood at 4,764 for quarter-ending June 2025.
Cash Flow:
The following table illustrates the cash flow from operating, investing, and financing activities:
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
|---|---|---|---|---|---|
| Operating Activities | -68,154 | -72,760 | -42,140 | -37,028 | -880 |
| Investing Activities | -2,765 | -7,171 | -10,365 | 6,346 | -428 |
| Financing Activities | 70,527 | 82,415 | 50,674 | 32,239 | 1,826 |
| Others | 0 | 0 | 0 | 0 | 0 |
| Net Cash Flow | -392 | 2,483 | -1,830 | 1,557 | 516 |
Balance Sheet:
The following table presents the balance sheet data:
| Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | |
|---|---|---|---|---|---|
| Share Capital | 124 | 123 | 120 | 120 | 120 |
| Reserves & Surplus | 96,568 | 76,274 | 53,695 | 43,194 | 36,494 |
| Current Liabilities | 366,042 | 298,020 | 220,095 | 167,993 | 133,783 |
| Other Liabilities | 3,391 | 1,322 | 1,316 | 1,196 | 1,128 |
| Total Liabilities | 466,126 | 375,741 | 275,228 | 212,505 | 171,526 |
| Fixed Assets | 3,818 | 3,290 | 2,384 | 1,747 | 1,363 |
| Current Assets | 460,437 | 370,991 | 271,593 | 209,458 | 168,904 |
| Other Assets | 1,871 | 1,460 | 1,250 | 1,299 | 1,259 |
| Total Assets | 466,126 | 375,741 | 275,228 | 212,505 | 171,526 |
| Contingent Liabilities | 8,861 | 8,696 | 9,587 | 7,649 | 5,238 |
Ratios:
Key financial ratios for Bajaj Finance are as follows. Basic EPS (Rs.) for March 2025, March 2024, March 2023, March 2022 and March 2021 stood at 268.94, 236.89, 190.53, 116.64 and 73.58 respectively. Book Value [Excl. Reval Reserve]/Share (Rs.) for March 2025, March 2024, March 2023, March 2022 and March 2021 stood at 1,557.43, 1,241.03, 899.53, 724.56 and 613.67 respectively. Debt to Equity (x) for March 2025, March 2024, March 2023, March 2022 and March 2021 stood at 3.74, 3.82, 3.99, 3.78 and 3.57 respectively.
Corporate Actions:
Bajaj Finance announced a bonus issue with a ratio of 4:1, with the ex-bonus date on June 16, 2025. Additionally, the company announced a stock split with an ex-split date of June 16, 2025.
Moody's Ratings assigned Bajaj Finance a new rating of Baa3 Corporate Family Rating (CFR) with a stable outlook, according to a press release dated August 4, 2025.
With the stock's last traded price at Rs 856.95, Bajaj Finance shows a minor decrease from its previous close.
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