BSE: BAJAJFINSV - Bajaj Finserv Limited

Yield per half year: -1.28%
Sector: Financials

Reporting Bajaj Finserv Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Капитализация, млрд ₹								2 230	2 440	2 330
Выручка, млрд ₹		242.88	302.41	376.99	454.24	605.87	687.52	837.27	998.8	998.8
Чистая прибыль, млрд ₹	18.63	22.62	26.5	32.19	33.69	44.7	45.57	64.17	81.48	81.48
EV, млрд ₹				953.11	1 175.25	2 403.81	3 864.57	4 086.44	4 881.33	4 881.33
EBIT, млрд ₹		86.33	116.53	163.77	217.6	190.11	207.61
EBITDA, млрд ₹										322.64
Баланс стоимость, млрд ₹	133.91	161	204.83	237.66	313.01	358.3	402.47	464.07	603.29	603.29
FCF, млрд ₹			-193.61	-271.02	-242.48	40.77	-345.8	-407	-701.1	-701.1
Операционный денежный поток, млрд ₹		-109.22	-195.8	-270.76	-233.69	45.47	-336.7	-394.8	-686.74	-686.74
Операционная прибыль, млрд ₹	66.81	86.41	106.28	146.93	176.4	190.04	210.86	306.7	290.11	306.7
Операционные расходы, млрд ₹		193.64	239.31	295.45	371.23	398.95	562.15	620.29	785.05	785.05
CAPEX, млрд ₹		2.68	2.68	5.49	7.69	2.93	6.51	12.2	14.35	14.35

	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Выручка, млрд ₹										188.6	158.87	208.02	217.54	236.24	232.79	260.22	249.78	315.8	269.17
Чистая прибыль, млрд ₹										13.46	13.09	15.57	17.82	17.69	19.43	19.29	21.58	21.19	21.38
EV, млрд ₹						1 147.34		3 799.16		3 982.95		4 044.64		3 615.41		4 422.01		4 747.35
EBIT, млрд ₹	49.4	50.46	74.64	49.64								72.19	76.59	80.25
Баланс стоимость, млрд ₹	260.55		313.01		336.88	358.3		378.86		402.47		424.62		464.07		508.73		603.29
Операционный денежный поток, млрд ₹	-153.53		-233.69		140.07	45.47		-119.31		-336.7		-166.28		-394.8		-355.73
Операционная прибыль, млрд ₹							39.58	51.74	56.94	59.44	61.58	72.19	76.6	79.74	91.43	97.41
Операционные расходы, млрд ₹										186.35	115.27	157.89	164.91	182.22	171.42	196.5	195.47	260.54	209.48
CAPEX, млрд ₹	5.68		8.79		1.9	4.71		2.73		9.1		5.21		12.2		6.05

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	LTM	5 year average	CAGR 5
Наличность, млрд ₹	13.84	1.16	4.68	2.62	19.02	20.65	13.27	21.63	57.65	57.65
Short Term Investments ₹		40.09	16.82		339.14	413.22	408.23	582.79	750.47	750.47
Long term investments ₹		416.59	474.48	839.53	946.51	1 161.71	1 201.41	1 470.11	1 699.2
Total Receivables ₹		96.16	18.4	25.29	26.58	27.53	30.05	34.59	59.74	59.74
Total Current Assets ₹		340.52	241.06	309.88	294.99	292.63	206.99
Чистые активы, млрд ₹	8.09	8.73	9.53	11.99	21.69	21.03	23.65	29.37		29.37
Активы, млрд ₹	1 039.62	1 323.88	1 615.62	2 085.49	2 513.84	2 801.64	3 337.19	4 055.09	5 379.3	5 379.3
Short Term Debt ₹	55.38	88.59	114.74	228.76	247.69	346.15	419.22	565.73	255.11	255.11
Long Term Debt ₹	245.49	325.65	455.86	638.8	795.74	755.31	939.86	1 204.01	2 019.37	2 019.37
Задолженность, млрд ₹	905.7	1 162.88	1 410.79	1 847.83	2 200.83	2 443.34	2 934.72	3 591.02	4 341.54	4 341.54
Чистый долг, млрд ₹			543.64	849.72	1 026.54	991.54	1 256.28	1 641.82	2 216.83	2 216.83
Долг, млрд ₹	300.88	414.23	570.6	867.56	1 043.44	1 101.45	1 359.08	1 769.74	2 274.48	2 274.48
Interest income ₹	25.35	32.68	45.27	65.34	93.31	91.08	98.07	138.41	539.51
Расходы на обслуживание долга ₹				65.4	93.39	91.41	94.98	122.01	184	184
Чист. проц. доходы, млрд ₹		-37.16	-45.51	-65.4	-95	-91.41	-96.29	-122.01	-186.07	539.51
Goodwill ₹	4.29	6.89	6.89	6.89	6.89	6.89	6.89	6.89	6.89

	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	5 quarters average	CAGR 5
Наличность, млрд ₹	18.79	23.96	28.58	29.55	38.38		40.87		15.99		25.94		44.59		57.65
Short Term Investments ₹				413.22			408.23				582.79				750.47
Long term investments ₹	889.98	946.51	1 110.92	1 161.71	1 247.36		1 201.41		1 269.66		1 470.11		1 614.8
Total Receivables ₹	49.05	34.98	36.38	25.39	43.23		30.05		39.16		37.77		58.45		59.74
Total Current Assets ₹	67.91	391.21							67.05		93.81
Чистые активы, млрд ₹	20.57	21.69	20.88	21.03	21.35		23.65		26.72		29.37		32.52
Активы, млрд ₹	2 364.1	2 513.84	2 610.79	2 801.64	3 083.33		3 337.19		3 602.75		4 055.09		4 693.24		5 379.3
Short Term Debt ₹	176.33	214.27	216.69	258.03	287.2		308		394.22		446.66		548.21		255.11
Long Term Debt ₹	999.23	1 051.79	1 003.7	1 021.1	1 120.89		1 297.15		1 388.76		1 675.99		1 967.31		2 019.37
Задолженность, млрд ₹	2 103.55	2 200.83	2 273.91	2 443.34	2 704.48		2 934.72		3 178.12		3 591.02		4 184.51		4 341.54
Чистый долг, млрд ₹			973.02	991.54	1 069.58		1 256.28		1 372.77		1 641.82		1 912.54		2 216.83
Долг, млрд ₹	1 175.55	1 266.06	1 220.39	1 279.13	1 408.09		1 605.14		1 782.98		2 122.65		2 515.52		2 274.48
Interest income ₹					23.82	24.45	24.81	25.64	29.62	32.41	34.34	40.18	44.49	139.48
Расходы на обслуживание долга ₹							24.81	25.64	29.61	32.41	34.36	40.2	44.49	47.77	51.54	55.92
Чист. проц. доходы, млрд ₹							-26.13	-25.64	-29.61	-32.41	-34.36	-40.2	-44.49	-47.77	146.72	155.96
Goodwill ₹	6.89	6.89	6.89	6.89	6.89		6.89		6.89		6.89		6.89

	5 quarters average	CAGR 5

Share

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
EPS	12.9	14.11	162.8	19.27	25.22	23.16	26.33	40.29	51.11		51.11
Цена акции ао		2894.15	5238.4	6481.3	9388.55	8904.45	16390.2	1548.45	1685.4	1559.8	1559.8
Число акций ао, млн				159.14	159.14	1591.37	1591	1592.63	1594.13		1594.13
FCF/акцию				-1703.08	-1523.74	25.62	-217.3	-255.55	-439.8		-439.8

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	5 quarters average	CAGR 5
EPS		7.89	8.46	8.23	9.8	11.2	11.11	12.2	12.12	13.4	13.29
Цена акции ао	15032.84	17455.77	16390.96	13548.1	11769.04	1650.68	1354.27	1416.13	1549.64	1633.95

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	13.91	14.05	12.94	13.54	10.76	12.48	11.32	14.81	15.27			13.51	13.93
ROA, %	1.79	1.71	1.64	1.54	1.34	1.6	1.37	1.74	1.73			1.51	2.83
ROIC, %		3.98	3.56	3.08	2.99	3.12	2.81	3.4					6.29
ROS, %			8.76	8.54	7.42	7.38	6.63	7.66	8.16	8.16	8.16	8.16	58.24
ROCE, %		53.62	56.89	68.91	69.52	53.06	51.59						1015.19
Рентаб EBITDA, %												36.34	42.18
Чистая рентаб, %		9.31	8.76	8.54	7.42	7.38	6.63	7.66	8.16			8.16	58.24
Operation Margin, %			35.15	38.98	38.83	31.37	30.67	36.63	36.63	30.71	30.71	30.71	13.60

	2019Q3	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	Industry average	5 quarters average	CAGR 5
ROE, %	4.62	0.6212	2.93	2.73		2.96		3.34		3.67		5.12		5.11		4.99		13.93
ROA, %	0.5092	0.0773	0.3778	0.3495		0.3639		0.4034		0.4322		0.8725		0.441		0.4207		2.83
ROIC, %	1.01	0.4772	0.6352	0.6483		0.8139		0.8699		1.04		0.9749		1.03				6.29
ROS, %								7.14	8.24	7.48	8.19	7.49	8.35	7.41	8.64	6.71	7.94	58.24
ROCE, %	18.96	23.85								17		2.21						1015.19
Чистая рентаб, %								7.14	8.24	7.48	8.19	7.49	8.35	7.41	8.64	6.71	7.94	58.24
Operation Margin, %					28.37	28.73	32.32	31.51	38.76	34.7	35.21	33.75	39.28	37.43				13.60

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E		3.21	4.41	31.59	57.24	38.09	32.7			32.7	29.15
P/BV		0.435	0.4751	3.94	6.48	5.27	2.57			2.57	3.06
P/S		0.2742	0.3274	2.33	3.81	2.92	2.67			2.67	11.92
P/FCF							-5.72	-3.32	-3.32	-3.32	5.66
E/P							0.0275	0.035	0.035	0.035	0.10
EV/Ebit			5.4	12.64	18.61			0	0	0
EV/S			2.59	3.97	5.62	4.88	4.89	4.89	4.89	4.89	8.32
EV/FCF			-4.85	58.97	-11.18	-10.04	-6.96	-6.96	-6.96	-6.96	-6.34
Debt/EBITDA							5.21	7.05	7.05	7.05	0.97
Netdebt/Ebitda							5.09	6.87	6.87	6.87	0.86
Debt/Ratio	0.3532	0.416	0.4151	0.3931	0.4073	0.4364	0.4228	0.4228	0.4228	0.4228	0.24
Debt/Equity	2.79	3.65	3.33	3.07	3.38	3.81	3.77	77.44	77.44	77.44	239.17
Debt/Net Income	21.53	26.95	30.97	24.64	29.83	27.58	27.92	27.92	27.92	27.92	12.26
Бета						0	1.08	2.02	1.27	1.27	0.62
Индекс Альтмана						0	1.19	0.9325	0.9325	0.9325	1.10

	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	Industry average	5 quarters average	CAGR 5
P/E				15.91	25.04	202.56	92	59.34	47.78	43.47	29.15
P/BV				0.4348	7.2	6.77	6.29	4.25	4.93	2.44	3.06
P/S				1.68	2.47	14.46	6.73	4.44	3.56	3.11	11.92
EV/S									16.99	15.03	8.32
Debt/Ratio	0.4973	0.5036	0.4674	0.4566	0.4567	0.481	0.4949	0.5235	0.536	0.4228	0.24
Debt/Equity	4.51	4.04	3.62	3.57	3.72	3.99	4.2	4.57	4.94	3.77	239.17
Debt/Net Income	97.66	651.17	123.74	130.65	125.48	119.25	114.52	119.53	130.41	107.36	12.26

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.2785	1.1	1.82	6.83	0.825	4	11.83	11.83		14.9
Дивиденд	0.175	0.175	0.175	0.25	0.5	0.3	0.4	0.8	1	1
Див доход, ао, %	0.0074	0.0039	0.003	0.0033	0.0073	0.0023	0.0618	0.0786	0.1139	0.1139	1.39
Дивиденды / прибыль, %	1.23	4.16	5.67	20.27	1.85	8.78	11.61	14.52		14.52	17.66

	2014Q3	2015Q3	2016Q1	2017Q3	2018Q3	2019Q3	2020Q1	2020Q3	2021Q1	2021Q3	2022Q1	2022Q2	2022Q3	2023Q1	2023Q2	2023Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд						2.51	5.59	0.0286	0.825	3.32	4		7.45	7.45		11.84
Дивиденд	0.175	0.175	0.175	0.175	0.175	0.25	0.5			0.3		0.4			0.8
Див доход, ао, %	0.0176	0.0097	0.0099	0.0034	0.0026	0.0033	0.0058			0.002		0.003			0.0565		1.39
Дивиденды / прибыль, %						20.89	287.58	0.29	8.43	29.62	29.74		47.84	42.1		61.36	17.66

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2019	2020	2021	2023	2024	CAGR 5
ebit_margin	47.9	31.38	30.2
Персонал, чел				73340	73340

	CAGR 5

	CAGR 5