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History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Bajaj Finance Ltd. is an India-based non-banking financial company (NBFC). The Company is mainly engaged in the business of lending and accepting deposits. It has a diversified lending portfolio across retail, small and medium-sized enterprises (SMEs) and commercial customers…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A high-quality, steadily growing business, priced for perfection — carrying meaningful debt.
Bajaj Finance is scored on the nbfc / financials framework. It keeps a fat 23.6% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 26%/yr and profit at 19%/yr. Book value itself has compounded 29%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 17.6%. In the latest quarter profit grew 5% versus the prior quarter.
At 36× earnings, the stock sits at the 87th percentile of its own 3.6-year range — the expensive end of where it has historically traded. Today's price implies ~15%/yr earnings growth for a decade. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 30.62 | — | — |
| P/B | 5.48 | 5.98 | better |
| EV/EBITDA | 18.62 | — | — |
| ROE | 17.61 | 11.36 | better |
| ROCE | 9.72 | 15.11 | worse |
| ROA | 3.45 | 7.76 | worse |
| Quick Ratio | 0.48 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
| JIO FIN Services | 92.2 | 1.2 | 1.3% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 26% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (26% vs 19%) — costs are rising faster than the top line.
Operating margin has compressed from 38% to 31% — costs or competition are eating into profitability. Margins have declined for 3 consecutive years — watch for a structural cost problem.
ROE at 17% — a respectable return on shareholder capital. ROE powered by fat margins — the hallmark of a high-quality franchise with pricing power.
Profit grew faster than EPS (19% vs -46%) — share dilution is eroding per-share value. -46% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 6% sequentially — momentum is building. Run-rate stepping up — recent quarters average 12% above earlier ones.
Quarterly net margins are expanding (19% → 26%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoter holding at 54.7% — majority control intact.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.