BSE: BAJFINANCE - Bajaj Finance Limited

Yield per half year: +14.67%
Dividend yield: +0.91%
Sector: Financials

Reporting Bajaj Finance Limited

Capitalization

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹					4 171.42	3 900	3 940		4 160	4003.81	-1.88
Выручка, млрд ₹			111.62	158.56	160.23	201.47	269.67	343.26	343.26	226.64	16.70
Чистая прибыль, млрд ₹	18.36	24.96	39.95	52.64	44.2	70.28	115.08	144.51	144.51	85.34	22.38
EV, млрд ₹			2 419.24	3 754.92	4 316.57	5 774.58	5 079.68	6 280.34	6 280.34	5041.22	10.83
Баланс стоимость, млрд ₹		74.37	196.97	323.28	369.18	437.13	543.72	766.95	766.95	488.05	18.86
FCF, млрд ₹			-295.45	-249.33	-11.9	-376.63	-430.19	-737.98	-737.98	-361.2060	24.24
Операционный денежный поток, млрд ₹	-104.39	-205.66	-290.62	-244.12	-8.07	-370.29	-421.4	-727.6	-727.6	-354.2960	24.41
CAPEX, млрд ₹	1.49	1.35	3	3.97	1.39	3.76	8.78	10.38	10.38	5.66	21.19

	2020Q1	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Выручка, млрд ₹				61.8	65.23	69.68	72.85	79.3	83.72	88.27	91.98	98.64	103.17	93.16	4.27
Чистая прибыль, млрд ₹				25.96	27.81	29.73	31.58	34.37	35.51	36.39	38.25	39.12	40	37.85	2.41
EV, млрд ₹		5 658.64	5 245.52		5 852.42		5 079.68		6 673.62		6 280.34		7 220.82	6221.38	4.29
Баланс стоимость, млрд ₹	152.4	390	437.13		480.43		543.72		598.74		766.95		868.03	651.57	12.56

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹			4.06	14.27	22.58	37.86	43.05	73.67	73.67	38.29	38.86
Long term investments ₹			85.99	179.34	187.79	50.27	237.2			148.12	22.50
Total Receivables ₹	580.39	798	1 134.92	1 425.74	1 482.58	1 930.9				1354.43	19.33
Total Current Assets ₹	588.66	835.18	1 228.15	1 612.48	1 683.68	2 063.53	2 491.52		2 491.52	1815.87	15.20
Чистые активы, млрд ₹	2.88	3.46	5.27	10.97	10.49	12.96	543.72		543.72	116.68	152.76
Активы, млрд ₹			1 242.33	1 643.91	1 715.27	2 125.05	2 752.29	3 757.42	3 757.42	2398.79	17.98
Задолженность, млрд ₹			1 045.35	1 320.64	1 346.08	1 687.93	2 208.57	2 990.46	2 990.46	1910.74	17.76
Чистый долг, млрд ₹			879.88	1 069.52	1 035.84	1 286.47	1 677.2	2 100.69	2 100.69	1433.94	14.45
Долг, млрд ₹									1 730
Interest income ₹			163.49	229.71	233.08	272.7	355.49			250.89	16.81
Расходы на обслуживание долга ₹			66.24	94.73	94.14	97.48	125.6	187.25	187.25	119.84	14.60
Чист. проц. доходы, млрд ₹			97.25	134.98	138.94	175.22	229.89	483.07	355.49	232.42	29.05
Goodwill ₹			0.0327	0.0327	0.0327	0.0327	0.0327			0.0327	0.00

	2019Q3	2020Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹			46.44		37.86		18.77		43.05		75.52		73.67		123.6	66.92	45.78
Long term investments ₹			179.66		50.27		161.9		237.2		226.73					171.15	4.76
Total Receivables ₹	1 336.96	1 425.74									2 876					1879.57	29.09
Total Current Assets ₹	1 351.1	1 622							2 491.52		2 955.8					2105.11	21.62
Чистые активы, млрд ₹	9.48	10.97	390		437.13		480.43		543.72		19.29					374.11	-45.19
Активы, млрд ₹			1 876.65		2 125.05		2 357.23		2 752.29		3 219.17		3 757.42		4 206.56	3258.53	12.28
Задолженность, млрд ₹			1 486.65		1 687.93		1 876.8		2 208.57		2 620.43		2 990.46		3 317.4	2602.73	12.07
Чистый долг, млрд ₹			1 116.56		1 286.47		1 419.74		1 677.2		1 941.76		2 100.69		2 457.27	1919.33	11.60
Interest income ₹			66.87	72.62	73.66	79.2	85.09	92.73	98.47	108.21	117.34	125.23				108.40	6.19
Расходы на обслуживание долга ₹						26.45	29.71	33.51	35.92	41.03	45.37	48.68	52.17	56.84	61.49	52.91	6.27
Чист. проц. доходы, млрд ₹					48.03	52.75	55.38	59.22	62.55	67.19	71.97	76.55	132.3	140.49		97.70	15.90
Goodwill ₹			0.0327		0.0327		0.0327		0.0327		0.0327					0.0327	0.00

Share

IFRS

Reporting Annual Quarterly

	2014	2017	2018	2019	2020	2021	2022	2023	2024	2025	LTM	5 year average	CAGR 5
EPS	14.35	16.26	46.56	68.69	89.25	73.08	116.09	189.92	233.83		233.83	140.43	21.24
Цена акции ао		1756.8	2641.15	4235.1	5296	6976.9	6574.15	7326.9	6821.4	8419.25	8419.25	7223.72	3.83
Число акций ао, млн				577.97	601.69	590	605.43	605.92	618.01		618.01	604.21	0.54
FCF/акцию				-511.19	-414.39	-19.76	-622.08	-709.98	-1194.13		-1194.13	-592.0680	23.57

	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q3	5 quarters average	CAGR 5
EPS			39.86	42.78	45.81	48.96	52.12	56.6	58.6	59.2	61.88	64.67	60.19	2.70
Цена акции ао	6749.87	7336.59	7086.95	6206.72	6892.32	6898.3	6022.4	6623.8	7384.34	7501.69			6886.11	1.69

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
ROE, %	20.28	16.28	11.97	17.43	23.46	22.05		22.05	13.90	18.24	6.26
ROA, %	3.22	3.2	2.58	3.66	4.72	4.44		4.44	2.81	3.72	6.77
ROS, %	35.79	33.2	27.58	34.89	42.67	42.1	42.1	42.1	59.51	37.87	8.83
ROCE, %							0	0	2.58
Ebit margin, %							0	0
Рентаб EBITDA, %							0	0	10.51
Чистая рентаб, %	35.79	33.2	27.58	34.89	42.67	42.1		42.1	59.51	36.09	4.86
Operation Margin, %					0	0	0	0	13.65

	2021Q3	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %	3.8	5.54		5.79		8.28		8.18		7.52		6.83	13.90	7.32	3.36
ROA, %	0.7892	1.14		1.18		2.29		1.19		1.1		1	2.81	1.35	-3.26
ROS, %			42.01	42.63	42.66	43.34	43.34	42.41	41.22	41.58	39.66	38.77	59.51	40.73	-1.78
Чистая рентаб, %			42.01	42.63	42.66	43.34	43.34	42.41	41.22	41.58	39.66	38.77	59.51	40.73	-1.78

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2019	2020	2021	2022	2023	2024	2025	LTM	Industry average	5 year average	CAGR 5
P/E	43.76	25.23	71.85	63.86	29.57	28.92		28.92	29.43	43.89	2.77
P/BV	7.82	8.31	8.89	10.27	6.26	5.45		5.45	3.11	7.84	-8.09
P/S	15.66	8.38	19.82	22.28	12.62	12.18		12.18	12.16	15.06	7.77
P/FCF					-9.67	-5.64	-5.64	-5.64	5.80	-6.9833	-16.45
E/P					0.0277	0.0347	0.0347	0.0347	0.10	0.0324	7.80
EV/EBIT						0	0	0
EV/S		15.12	25.96	28.66	18.84	18.3	18.3	18.3	8.38	22.01	-6.75
EV/FCF		-9.62	-349.38	-15.33	-11.81	-8.51	-8.51	-8.51	-6.20	-78.7080	-52.43
Debt/EBITDA					0	0	0	0	1.02
Netdebt/Ebitda					0	0	0	0	0.86
Debt/Ratio					0.6286	0.4604	0.4604	0.4604	0.24	0.5165	-9.86
Debt/Equity					3.18	3.18	3.18	3.18	238.79	3.18	0.00
Debt/Net Income					15.03	11.97	11.97	11.97	12.31	12.99	-7.31
Бета				0	0.166	0.6425	-3.64	-3.64	0.91	-0.9438	-379.90
Индекс Альтмана				0	2.16	1.63	1.63	1.63	1.07	1.81	-8.96

	2021Q3	2022Q1	2022Q3	2023Q1	2023Q3	2024Q1	2024Q3	2025Q1	Industry average	5 quarters average	CAGR 5
P/E	306.57	109.1	85.33	57.22	49.82	39.18	32.46		29.43	52.80	-17.58
P/BV	11.65	9.06	9.23	6.26	7.9	5.45	5.36		3.11	6.84	-10.30
P/S	94.3	40.96	36.69	24.61	21.32	16.61	13.42		12.16	22.53	-18.22
EV/S					79.72	68.28	69.99		8.38	72.66	-4.25
Бета								-3.64	0.91	-3.6400	0.00
Индекс Альтмана								1.63	1.07	1.63	0.00

	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		0.3818	1.97	2.3	9.43	0.0274	12.07	18.15		18.15		8.40	51.16
Дивиденд	2.5	3.6	4	6	1	1	20	30	36	36		17.60	104.77
Див доход, ао, %	0.0451	0.2463	0.1833	0.1789	0.2859	0.1606	0.5343	0.6984	0.9072	0.9072	1.40	0.5173	25.98
Дивиденды / прибыль, %		2.08	7.88	5.76	17.92	0.062	8.57	10.49	12.56	12.56	17.81	9.92	-6.86

	2015Q3	2016Q1	2016Q3	2017Q3	2018Q3	2019Q3	2020Q1	2021Q3	2022Q2	2023Q2	Industry average	5 quarters average	CAGR 5
Дивиденд	1.8	1.8	0.7	3.6	4	6	1	1	2	3		2.60	-12.94
Див доход, ао, %	0.0346	0.029	0.0093	0.2107	0.1525	0.1751	0.2459	0.1482	0.3222	0.4529	1.40	0.2689	20.93

	Industry average	5 quarters average	CAGR 5

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Other

IFRS

Reporting Annual

	2023	CAGR 5
Персонал, чел	43147	0.00

	CAGR 5

	CAGR 5