Bajaj Finance Ltd is a player in India’s financial services sector. Over the years, the company has demonstrated its performance in various business segments. However, as with any investment, a closer look at its financial health, business model, and market positioning is crucial before making a decision.
In Q3 FY25, Bajaj Finance reported growth across several key metrics. The number of new loans booked reached an all-time high of 12.06 million, marking a 22% increase from 9.86 million in Q3 FY24. The company’s customer franchise also saw significant expansion, growing by 21% to 97.12 million as of 31 December 2024, compared to 80.41 million in the same period last year.
Additionally, Assets Under Management (AUM) grew by 28% to ₹398,043 crore, up from ₹310,968 crore in Q3 FY24. The company’s net income increased by 23% to ₹9,382 crore, reflecting strong financial health.
Bajaj Finance’s profit after tax (PAT) grew by 18% to ₹4,308 crore in Q3 FY25, compared to ₹3,639 crore in the same quarter of the previous year. The capital adequacy ratio (CRAR) stood at a healthy 21.57%, with Tier-I capital at 20.79%, reinforcing the company’s financial stability.
On a standalone basis, Bajaj Finance continued its performance, with AUM growing by 26% to ₹2,93,370 crore as of 31 December 2024. Net interest income increased by 22% to ₹8,500 crore, while total income rose by 25% to ₹10,617 crore. Profit after tax (PAT) on a standalone basis rose by 17% to ₹3,706 crore from ₹3,177 crore in the corresponding period of the previous year, highlighting the company’s continued operational efficiency and profitability.
As of April 25, 2025, the 5Y CAGR of the company stands at 36.31% and 1Y returns at 26.90%.
Looking at the stock price performance, on April 25, 2025, Bajaj Finance share price (NSE: BAJFINANCE) opened at ₹9,310.50, touching the day’s high so far at ₹9,344.50 and day’s low at ₹8,990.00, as of 11:39 AM on the NSE. The market cap of the company stood at ₹5,62,517.22 crore, positioning it as one of the Nifty 50 stocks.
The stock price hit its 52-week high recently on April 24, 2025, at ₹9,660.00.
When evaluating Bajaj Finance, key financial ratios are important for understanding its operational efficiency and profitability.
Also Read: Bajaj Housing Finance PAT Surges 54% in Q4 FY25!
Recently, the company announced that the Board of Directors of the company will convene on April 29, 2025, to consider a special (interim) dividend for the financial year 2024-25. Additionally, they will review proposals, subject to shareholder approval, for the sub-division of the existing equity shares with a face value of ₹2 each and the issuance of bonus shares.
Now market watchers will closely monitor the company’s fundamentals, including its financial performance and the proposed corporate actions, such as the interim dividend, share split, and bonus issue. These developments, along with the company’s share price movement, will be key indicators for investors assessing the stock’s future potential.
As with any investment decision, it is essential to perform thorough due diligence, considering both the company’s potential and the risks involved, to determine if it aligns with your investment goals and risk tolerance.
Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.
Investments in the securities market are subject to market risks, read all the related documents carefully before investing.
Published on: Apr 26, 2025, 11:11 AM IST
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