Bajaj Finance Ltd

Bajaj Finance Ltd (BJFN.NS) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.81 (rule-based classification). Capital structure on the latest snapshot: total assets 5,599,523,600,000 INR, total equity 1,139,990,200,000, short-term debt 0, long-term debt 3,665,797,400,000. Net cash position is approximately -3,508,244,200,000 INR. Profitability profile: revenue 815,111,400,000, gross profit 491,870,900,000, operating income 253,218,300,000, net income 190,173,900,000. Return on equity ~16.7%. Return on assets ~3.4%. Operating-cash-flow to net-income ratio is -3.46. Risk profile from automated assessment: liquidity risk medium, dilution risk low. Flags: Net cash is negative after subtracting total debt.. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup.

Bajaj Finance Ltd (BJFN.NS) has experienced no material changes in its fundamental profile or market signals during the recent analysis period. A comprehensive review of 17 key fields, excluding four schema-expansion fields, confirmed that the company’s status remains consistent with prior assessments, indicating a period of stability without significant operational or financial shifts. This lack of material change is underscored by the absence of any active watcher signals or notable cross-source events. The monitoring framework detected no specific alerts or triggers that would suggest a deviation from the company’s established trajectory, reinforcing the view that BJFN.NS is currently operating within its expected parameters. From a broader company perspective, the available data indicates zero counts for officers, analysts, index memberships, and top holders in the current snapshot. This static profile aligns with the absence of material changes, suggesting that there have been no recent updates to the company’s leadership structure, analyst coverage, index inclusions, or major shareholder composition. The significance of this stability lies in the predictability it offers to stakeholders. With no new material developments, the focus for investors remains on the company’s existing fundamentals and long-term strategy rather than reacting to immediate news or structural changes. The consistent data points from June 25 to July 15, 2026, further support the conclusion that BJFN.NS is in a steady state, with minimal volatility in its reported metrics.

Revenue grew 27% CAGR over four years, reaching INR 815 billion in FY2026, demonstrating strong top-line expansion.

Net income surged 28.3% CAGR to INR 190 billion in FY2026, highlighting robust profitability growth.

Analysts project 18.1% upside to a mean price target of INR 1,075, reflecting positive market sentiment.

Debt-to-equity ratio of 3.22 places the company in the bottom quartile, signaling high leverage risk.

High credit risk flag indicates significant potential for loan defaults or asset quality deterioration.

Cash conversion of -3.46 is in the bottom quartile, suggesting poor cash generation relative to earnings.

Medium liquidity risk flag suggests potential challenges in meeting short-term financial obligations.

Revenue INR 215.94B, +17,8% YoY; Operating income +34,2% YoY.

• ▍Revenue INR 215.94B, +17,8% YoY
• ▍Operating income +34,2% YoY
• ▍Net income +22,0% YoY
• ▍Net margin 25.3%

Revenue INR 210.74B, +17,9% YoY; Operating income −5,1% YoY.

• ▍Revenue INR 210.74B, +17,9% YoY
• ▍Operating income −5,1% YoY
• ▍Net income −6,3% YoY
• ▍Net margin 18.9%

Revenue INR 200.84B, +18,6% YoY; Operating income +24,1% YoY.

• ▍Revenue INR 200.84B, +18,6% YoY
• ▍Operating income +24,1% YoY
• ▍Net income +21,9% YoY
• ▍Net margin 24.3%

Revenue INR 192.99B, +20,6% YoY; Operating income +19,0% YoY.

• ▍Revenue INR 192.99B, +20,6% YoY
• ▍Operating income +19,0% YoY
• ▍Net income +20,1% YoY
• ▍Net margin 24.4%

Revenue INR 183.34B; Operating income INR 55.04B.

• ▍Revenue INR 183.34B
• ▍Operating income INR 55.04B
• ▍Net margin 24.4%

Revenue INR 178.71B; Operating income INR 55.75B.

• ▍Revenue INR 178.71B
• ▍Operating income INR 55.75B
• ▍Net margin 23.8%

Revenue INR 169.42B; Operating income INR 52.45B.

• ▍Revenue INR 169.42B
• ▍Operating income INR 52.45B
• ▍Net margin 23.6%

Revenue INR 159.95B; Operating income INR 51.56B.

• ▍Revenue INR 159.95B
• ▍Operating income INR 51.56B
• ▍Net margin 24.5%

Revenue INR 815.11B, +17,0% YoY; Operating income +14,2% YoY.

• ▍Revenue INR 815.11B, +17,0% YoY
• ▍Operating income +14,2% YoY
• ▍Net income +14,3% YoY
• ▍Free cash flow +10,8% YoY
• ▍Net margin 23.3%

Revenue INR 696.84B, +26,8% YoY; Operating income +14,5% YoY.

• ▍Revenue INR 696.84B, +26,8% YoY
• ▍Operating income +14,5% YoY
• ▍Net income +15,1% YoY
• ▍Free cash flow +16,9% YoY
• ▍Net margin 23.9%

Revenue INR 549.69B, +32,7% YoY; Operating income +24,4% YoY.

• ▍Revenue INR 549.69B, +32,7% YoY
• ▍Operating income +24,4% YoY
• ▍Net income +25,6% YoY
• ▍Free cash flow +24,0% YoY
• ▍Net margin 26.3%

Revenue INR 414.10B, +32,3% YoY; Operating income +68,8% YoY.

• ▍Revenue INR 414.10B, +32,3% YoY
• ▍Operating income +68,8% YoY
• ▍Net income +63,7% YoY
• ▍Free cash flow +60,4% YoY
• ▍Net margin 27.8%