Bajaj Finance Limited (BAJFINANCE) 📈: отчетность и дивиденды за 2024

Capitalization

IFRS

Reporting Annual Quarterly

	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Капитализация, млрд ₹	1 113.47	2 875.64		848.9	1 268.72	1 998.01	2 121.16	3 780.41	4 111.68	4 231.31		4 160
Выручка, млрд ₹			47.43	65.86	92.21	111.62	158.56	160.23	201.47	269.54	343.26	343.26
Чистая прибыль, млрд ₹			12.79	18.36	26.74	39.95	52.64	44.2	70.28	115.08	144.51	144.51
EV, млрд ₹		3 097.04		1 610.13	1 784.61	2 877.89	3 451.37	5 101.91	5 800.18	5 085.76	6 365.97	6 365.97
EBIT, млрд ₹			45.5	61.72	82.49	60.35	70.27	-68.1	-46.85	-1.07	335.79	335.79
EBITDA, млрд ₹			46.06	62.43	83.51	61.79	73.22	59.92	95.04	155.28	342.63	342.63
Баланс стоимость, млрд ₹			74.27	96	165.46	196.97	323.28	369.18	437.13	543.72	766.95	766.95
FCF, млрд ₹			-98.87	-106.48	-206.69	-295.45	-249.33	-11.9	-376.63	-430.19	-737.98	-737.98
Операционный денежный поток, млрд ₹			-97.92	-104.99	-204.61	-291.47	-244.26	-8.81	-370.29	-421.4	-727.6	-727.6
Операционная прибыль, млрд ₹			45.5	61.72	82.49	60.35	70.27	56.67	91.19	150.42	335.79	335.79
Операционные расходы, млрд ₹			25.61	37.16	50.92	34.85	46.02	40.55	58.15	82.38	63.96	63.96
CAPEX, млрд ₹			0.9525	1.49	2.08	3.98	5.07	3.09	6.34	8.78	10.38	10.38

	2013Q4	2014Q4	2015Q4	2017Q4	2018Q4	2019Q4	2020Q1	2020Q2	2020Q3	2020Q4	2021Q1	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Капитализация, млрд ₹	695.67	1 526.23	3 251.61	1 036.91	1 379.22	2 424.04				2 555.34			4 454.26				4 191.52				4 609.43
Выручка, млрд ₹															61.8	65.23	69.68	72.85	79.3	83.72	88.27	91.98	161.02	170.95
Чистая прибыль, млрд ₹															25.96	27.81	29.73	31.58	34.37	35.51	36.39	38.25	39.12	40
EV, млрд ₹														5 692.91		5 826.23		5 087.42		6 686.25		2 242.17		4 653.13
EBIT, млрд ₹															33.91	37.52	40.12	42.61	43.95	58.35	61.42	64.12	69.48	73.07
EBITDA, млрд ₹															35.03	38.73	41.31	43.95	45.51	59.93	63.18	66.05	71.47	75.17
Баланс стоимость, млрд ₹															437.13	480.43	480.43	543.72	543.72	598.74	598.74	766.95	766.95	868.03
FCF, млрд ₹								-62.33	-62.33		1.25			1.61		2.42	2.38	2.27	3.12	3.17	3.52
Операционный денежный поток, млрд ₹									-61.07		1.25	-123.81		1.61		2.42	2.38	2.27	3.12	3.17	3.52
Операционная прибыль, млрд ₹															33.91	37.52	40.12	42.61	43.95	47.58	48.96	51.05	69.48	73.07
Операционные расходы, млрд ₹															19.23	20.36	21.15	21.66	23.86	25.37	26.85	27.85	29.17	30.1
CAPEX, млрд ₹						1.27	1.27	1.27	1.27		3.09	1.95		6.34		3.39		8.78		4.42

	5 quarters average	CAGR 5

Cash flow Cash flow quarterly Assets

Balance sheet

IFRS

Reporting Annual Quarterly

	2012	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	5 year average	CAGR 5
Наличность, млрд ₹				13.48	3.8	3.93	4.06	14.27	22.58	37.86	43.05	40.35	40.35
Short Term Investments ₹	-0.0598			5.73	33.07		-0.5778	-0.4446	-4.09	4.05	27.54	65.07	65.07
Long term investments ₹		0.2821	3.26	10.29	40.7	31.46	85.99	179.34	189.34	130.89	237.2
Total Receivables ₹				2.12	3.24	5.39	8.98	9.52	11.07	14.99	13	22.88	22.88
Total Current Assets ₹				15.59	7.04	9.32	3.49	13.83	18.49	33.81	15.51	123.58	123.58
Чистые активы, млрд ₹			2.18	2.43	2.88	3.46	5.27	10.97	10.49	12.96	16.91		16.91
Активы, млрд ₹				464.57	637.25	868.24	1 242.33	1 643.91	1 715.27	2 125.05	2 752.29	3 757.42	3 757.42
Short Term Debt ₹				1 163.62	308.83	94.9	264.04	315.06	285.65	512.89	582.38	2 331.95	2 331.95
Long Term Debt ₹			182.74	252.87	456.21	424.92	619.91	1 029.42	1 058.42	1 344.32	1 720.25		1 720.25
Задолженность, млрд ₹				390.29	541.24	702.79	1 045.35	1 320.64	1 346.08	1 687.93	2 208.57	2 990.46	2 990.46
Чистый долг, млрд ₹				334.34	463.99	593.8	879.88	1 073.03	1 039.28	1 291.02	1 677.2	2 225.71	2 225.71
Долг, млрд ₹				1 416.49	765.04	519.82	883.95	1 344.48	1 344.07	1 857.21	2 302.63	2 331.95	2 331.95
Interest income ₹				0.0418	0.1964	0.0187	0.0005	0.2484	233.03	272.7	0.0167
Расходы на обслуживание долга ₹				25.85	33.55	41.53	66.24	94.73	94.14	97.48	125.6	187.25	187.25
Чист. проц. доходы, млрд ₹					56.49	77.51	97.25	134.98	138.89	175.22	229.9	483.07	0.0167
Goodwill ₹			0.0327	0.0327	0.0327	0.0327	0.0327	0.0327	0.0327	0.0327	0.0327
Амортизация, млрд ₹				0.5634	0.7117	1.02	1.44	2.95	128.02	141.89	156.35	6.83	6.83
Себестоимость, млрд ₹				29.27	38.04	51.47	18.29	28.69	33.51	42	50.42	267.38	267.38
Товарно материальные запасы ₹	58.6			21.87	-672.88	0.0709	0.158	160.34	556.72	724.95	808.72		808.72

	2012Q1	2014Q2	2014Q3	2014Q4	2015Q1	2017Q2	2018Q2	2019Q1	2019Q3	2020Q1	2020Q3	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
Наличность, млрд ₹												22.58	46.44	46.44	37.86	37.86		18.77		43.05		75.52		106.24		123.6
Short Term Investments ₹	-0.0598															-4.05				-27.54				65.07
Long term investments ₹								85.99	96.32	179.34	237.53	189.34		179.66		130.89		161.9		237.2		226.73
Total Receivables ₹												11.07	13.37	13.37	14.99	14.99		15.64		13		16.5		17.33		14.55
Total Current Assets ₹												33.65	59.82	46.44	52.85	33.81		18.77		15.51		92.02		123.58		123.6
Чистые активы, млрд ₹								5.27	9.48	10.97	10.47	10.49		10.89		12.96		14.87		16.91		19.29
Активы, млрд ₹												1 715.27	1 876.65	1 876.65	2 125.05	2 125.05		2 357.23		2 752.29		3 219.17		3 757.42		4 206.56
Short Term Debt ₹		197.51	240.2	240.2	41.03	502.98	654.77	139.01								512.89				582.38				831.26
Long Term Debt ₹								619.91	1 022.19	1 083.79	1 032.3	1 058.42		1 163		1 344.32		1 438.5		1 720.25		2 017.27
Задолженность, млрд ₹													1 486.65	1 486.65	1 687.93	1 687.93		1 876.8		2 208.57		2 620.43		2 990.46	-766.95	3 317.4
Чистый долг, млрд ₹												1 039.28	1 116.56	1 116.56	1 291.02	1 291.02		1 419.74		1 677.2		1 941.76		2 225.71		-123.6
Долг, млрд ₹			370.57		223.77			758.92						1 163		1 857.21		1 438.5		2 302.63		2 017.27		2 331.95		2 580.87
Interest income ₹														66.87	72.62	73.66	79.2	85.09	92.73	0.0161	108.21	0.0015	125.23
Расходы на обслуживание долга ₹																	26.45	29.71	33.51	35.92	41.03	45.37	48.68	52.17	56.84	61.49
Чист. проц. доходы, млрд ₹																48.03	52.75	55.38	59.22	62.55	67.19	71.97	76.55	132.3	140.49
Goodwill ₹										0.0327	0.0327	0.0327	0.0327	0.0327	0.0327	0.0327		0.0327		0.0327		0.0327
Амортизация, млрд ₹																	1.11	1.21	1.19	1.34	1.56	1.59	1.76	1.93	2	2.1
Себестоимость, млрд ₹																	32.14	35.71	39.37	42.12	47.27	51.69	55.14	59.3	64.38	69.89
Товарно материальные запасы ₹	58.6													33.92		724.95				808.72				113.58

	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	31.02		25.93	46.99	69.27	89.51	73.15	115.79	189.57	235.98	235.98
Цена акции ао		843.6	1760	2641	4225	5287.5	6968.05	6577	7315	6918.55	6918.55
Число акций ао, млн	600.42		579.86	580.9	595.17	605.06	606.88	606.97	607.04	612.38	612.38
FCF/акцию	-118.75		-183.64	-355.82	-496.41	-412.08	-19.62	-620.51	-708.66	-1205.09	-1205.09

	2013Q4	2014Q4	2015Q4	2017Q4	2018Q4	2019Q4	2020Q4	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	5 quarters average	CAGR 5
EPS											43	46	48.96	52.01	56.6	58.45	59.2	15710.49	63.11	64.5
Цена акции ао								6747.33	7339.62	7084.95	6208.19	6892.11	6902.69	6022.05	6623.35	7383.91	7498.82
Число акций ао, млн	500.62	504.65	600.42	579.86	580.9	595.17	605.06		606.88				607.23				614.69
FCF/акцию		-35.32	-41.17	-89.11	-127.15	-104.73							3.92	3.73	5.14	5.22	5.72

	5 quarters average	CAGR 5

Efficiency

IFRS

Reporting Annual Quarterly

	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
ROE, %				17.22	19.13	16.16	20.28	16.28	11.97	17.43	23.46	22.05	22.05	15.18
ROA, %				2.75	2.88	3.08	3.22	3.2	2.58	3.66	4.72	4.44	4.44	3.71
ROIC, %			3.6	0.9855	2.18	4.19	3.91	3.72	2.58	3.59	4.68		4.68	9.45
ROS, %				26.96	27.88	29	35.79	33.2	27.58	34.89	42.69	42.1	42.1	43.97
ROCE, %				61.25	64.29	49.86	30.64	21.74	-18.45	-2.22	-0.0392	23.56	23.56	-10.66
Рентаб EBITDA, %				97.11	94.8	90.57	55.36	46.18	37.4	47.17	57.61	99.81	99.81	27.21
Чистая рентаб, %				26.96	27.88	29	35.79	33.2	27.58	34.89	42.69	42.1	42.1	43.97
Operation Margin, %				95.92	93.72	89.46	54.07	44.32	35.37	45.26	55.81	97.82	97.82	31.93
Доходность FCF, %	-5.07	-5.53	-2.48		-12.54	-16.29	-14.79	-11.75	-0.3149	-9.16	-10.17

	2011Q4	2012Q4	2013Q4	2014Q3	2014Q4	2015Q1	2015Q4	2017Q4	2018Q4	2019Q1	2019Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
ROE, %																	5.94	5.79	6.19	5.81	6.32	6.74	6.54	6.38	5.97	5.58	15.18
ROA, %												0.7851	0.5342	0.7892	1	1.14		1.18		1.15		2.21		2.04		1.9	3.71
ROIC, %				0.5204		0.9236				1.29						1.32				1.53		2.05					9.45
ROS, %																	42.01	42.63	42.66	43.34	43.34	42.41	41.22	41.58	24.29	23.4	43.97
ROCE, %												10.88	9.28	4.9	6.34	7.23		7.81		7.84		1.97		1.85		1.85	-10.66
Рентаб EBITDA, %																	56.68	59.38	59.28	60.33	57.39	71.59	71.57	71.81	44.39	43.97	27.21
Чистая рентаб, %																	42.01	42.63	42.66	43.34	43.34	42.41	41.22	41.58	24.29	23.4	43.97
Operation Margin, %																	54.87	57.53	57.57	58.49	55.43	56.83	55.46	55.5	43.15	42.74	31.93
Доходность FCF, %	-4.67	-1.48	-2.21		-1.17		-0.7602	-4.98	-5.36		-2.57								0.0568				0.0763

	Industry average	5 quarters average	CAGR 5

Coefficients

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
P/E	320.27		46.23	47.44	50.01	40.3	85.53	64.16	29.62	28.65	28.65	39.84
P/BV	59.91		8.84	7.67	10.14	6.56	10.24	10.32	6.27	5.4	5.4	3.20
P/S	81.1		12.89	13.76	17.9	13.38	23.59	22.38	12.65	12.06	12.06	9.29
P/FCF	-40.33		-7.97	-6.14	-6.76	-8.51	-317.56	-10.92	-9.84	-5.64	-5.64	13.88
E/P	0.0031		0.0216	0.0211	0.02	0.0248	0.0117	0.0171	0.0272	0.0347	0.0347	0.38
EV/EBITDA	95.65		25.79	21.37	46.57	47.14	85.14	61.03	32.75	18.58	18.58	128.40
EV/Ebit						33.86	-61.38	-123.81	-4735.79	18.96	18.96
EV/S	87.34		24.45	19.35	25.78	21.77	31.84	28.79	18.87	18.55	18.55	11.23
EV/FCF	-43.44		-15.12	-8.63	-9.74	-13.84	-428.57	-15.4	-11.82	-8.63	-8.63	24.11
Debt/EBITDA		30.75	12.25	6.22	14.31	18.36	22.43	19.54	14.83	6.81	6.81	25.10
Netdebt/Ebitda		7.26	7.43	7.11	14.24	14.65	17.34	13.58	10.8	6.5	6.5	-18.50
Debt/Ratio		3.05	1.2	0.5987	0.7115	0.8179	0.7836	0.874	0.8366	0.6206	0.6206	0.36
Debt/Equity		19.07	7.97	3.14	4.49	4.16	3.64	4.25	4.23	137.89	137.89	278.77
Debt/Net Income		110.78	41.66	19.44	22.13	25.54	30.41	26.43	20.01	16.14	16.14	15.69
Бета								0.94	0.1762	1.25	1.25	0.69
Индекс Альтмана	10.99		2.07	2.22	2.23	1.84	2.9	2.62	2.19	1.54	1.54	0.15

	2011Q4	2012Q4	2013Q4	2014Q3	2014Q4	2015Q1	2015Q4	2017Q4	2018Q4	2019Q1	2019Q4	2020Q4	2021Q1	2021Q2	2021Q3	2021Q4	2022Q1	2022Q2	2022Q3	2022Q4	2023Q1	2023Q2	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	Industry average	5 quarters average	CAGR 5
P/E																		39.25	44.31	140.99	29.63	35.23	36.15	32.22	0.4256	0.4456	0.4845	39.84
P/BV												7.45				11.42	10.07		9.17	8.72	6.27		7.92	7.7	0.0215		5.37	3.20
P/S																		15.3	18.45	60.15	12.65	15.15	15.52	13.7	0.177	0.1848	0.2003	9.29
P/FCF	-21.4	-67.64	-45.17		-85.62		-131.55	-20.07	-18.67		-38.89									1761.29				1311.36				13.88
E/P			0.0028		0.0017		0.0015	0.0067	0.0077		0.0067	0.0045				0.0048				0.0071				0.0079				0.38
EV/EBITDA															34.82		28.33		23.7		31.99		30.51		9.11		16.87	128.40
EV/Ebit																							114.59		34.97		63.68
EV/S																							79.87		24.38		27.22	11.23
EV/FCF																							2108.96					24.11
Debt/EBITDA				43.52		38.8				20.19					25.86		56.87		21.02		52.39		33.66		35.31		34.33	25.10
Netdebt/Ebitda													25.3	30.11	55.7	45.02	39.54		36.66		38.16		32.4		33.7		-1.64	-18.50
Debt/Ratio				1.28		0.682				0.6109							0.874				0.8366		0.6266		0.6206		0.6135	0.36
Debt/Equity				8.4		4.66				3.85							4.25				4.23		3.37		3.04		2.97	278.77
Debt/Net Income				187.96		96.87				64.53							76.76				72.92		56.81		60.97		64.53	15.69

	Industry average	5 quarters average	CAGR 5

Dividends

IFRS

Reporting Annual Quarterly

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	LTM	Industry average	5 year average	CAGR 5
Див.выплата, млрд	0.8009	1.91	0.3818	1.97	2.3	9.43	0.0274	12.07	18.15		18.15
Дивиденд		2.5	3.6	4	6	1	1	20	30	36	36
Див доход, ао, %		0.0453	0.2459	0.1831	0.1787	0.2852	0.1605	0.2785	0.6983	0.5	0.5	1.39
Дивиденды / прибыль, %		14.9	2.08	7.36	5.76	17.92	0.062	8.57	10.49	12.56	12.56	27.26

	2015Q3	2016Q1	2016Q3	2017Q3	2018Q3	2019Q3	2019Q4	2020Q1	2020Q2	2020Q3	2021Q1	2021Q3	2022Q1	2022Q2	2022Q3	2023Q1	2023Q2	2023Q3	Industry average	5 quarters average	CAGR 5
Див.выплата, млрд							2.36	2.36	2.36	2.36	0.0274	6.02	6.03		12.07	12.07		18.15
Дивиденд	1.8	1.8	0.7	3.6	4	6		1				1		2			3
Див доход, ао, %	0.0346	0.029	0.0093	0.2105	0.1525	0.1751		0.2454				0.1482		0.3222			0.4529		1.39
Дивиденды / прибыль, %							14.61	24.87	24.51	24.44	0.2035	40.68	24.91		43.4	38.22		51.11	27.26

	Industry average	5 quarters average	CAGR 5

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IFRS

Reporting Annual Quarterly

	2020	2021	2022	2023	2024	LTM	CAGR 5
ebit_margin	44.32	-42.5	-23.25	-0.3984	97.82	97.82
Персонал, чел			35425	35425	43147

	2023Q3	2023Q4	2024Q1	2024Q2	2024Q3	CAGR 5
ebit_margin	69.7	69.58	69.72	43.15	42.74

	CAGR 5

Investing Port

NSE: BAJFINANCE - Bajaj Finance Limited

Reporting Bajaj Finance Limited

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