Bajaj Finance Limited

$ 961.30 0.23 %

Bajaj Finance Limited operates as a leading deposit-accepting non-banking financial institution throughout India, providing a comprehensive suite of financial products and services. Its consumer finance offerings are extensive, encompassing financing for durable goods, lifestyle products, and digital items, alongside EMI cards, loans for two and three-wheelers, personal loans, and credit secured against fixed deposits. The company also facilitates extended warranties, home and gold loans, retail EMI schemes, specialized retailer finance, e-commerce solutions, and co-branded credit cards and digital wallets. For Small and Medium Enterprises (SMEs), Bajaj Finance offers various funding options such as loans against property and shares, lease rental discounting, business and professional loans, working capital solutions, and financing for developers and used cars. Its commercial lending segment delivers flexible short-term financial solutions and robust vendor financing, which includes substantial lease rental discounting, loans backed by securities, financial institution lending, light engineering and corporate finance, and warehouse financing. Beyond lending, the company provides investment avenues like fixed deposits and mutual funds, and through partnerships, it also offers insurance services. Originally incorporated in 1987 as Bajaj Auto Finance Limited, the company is headquartered in Pune, India, and functions as a subsidiary of Bajaj Finserv Ltd.

CEO: Rajeev A. Jain - https://www.bajajfinserv.in/corporate-bajaj-finance

Price objectif

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Recommandation

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DCF

$ 694.08

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BAJFINANCE.BO vs S&P500

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Quick ratio

0.25

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

33.15

is considered reasonable, suggesting that the company has a valuation in line with its current profits.

EPS

29.00

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

18.43 %

reflects reasonable profitability, showing good use of equity.

ROIC

4.27 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

4.87

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

3.22

means it relies more on debt, which can increase financial risk.

Free cash flow per share

-47.95

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

18.28 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
2 indicates worrying financial health
Altman score
1.15 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.22 indicates liquidity risk, as the company may not have enough cash to meet its immediate obligations
Debt Ratio
0.65 indicates a moderate level of debt, which is generally acceptable but may present some risk
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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