- Bajaj Finance reported a net income of 48.8 billion rupees in the second quarter, which is a 22% increase year-over-year. However, it missed estimates of 49.69 billion rupees.
- Revenue grew 18% year-over-year to 201.8 billion rupees, falling short of the estimated 204.24 billion rupees.
- Gross non-performing assets rose to 1.24%, an increase from 1.03% in the previous quarter.
- Provisions for loan losses amounted to 22.69 billion rupees, which is a 7% increase from the previous quarter and slightly above the estimate of 22.27 billion rupees.
- Operating profit increased by 21% year-over-year to 88.74 billion rupees.
- Total costs rose 16% year-over-year, reaching 135.8 billion rupees.
- Finance costs increased by 14% year-over-year to 70.1 billion rupees, which was below the estimate of 71.58 billion rupees.
- Net interest income was 107.9 billion rupees, a 22% rise year-over-year, but below the forecast of 109.55 billion rupees.
- Assets under management reached 4.62 trillion rupees, marking a 24% increase year-over-year, aligning with market expectations.
- New loan bookings increased by 26% compared to a 23% rise in the previous quarter.
- The capital adequacy ratio fell from 22% last quarter to 21.2% this quarter.
- There are 20 buy ratings, 12 holds, and 5 sell ratings for Bajaj Finance.
Bajaj Finance Ltd on Smartkarma
On Smartkarma, independent analysts like Sreemant Dudhoria, CFA, provide insights on companies such as Bajaj Finance Ltd. In September 2025, significant insider buying activity was observed in various large and small-cap companies, potentially indicating improved prospects. As the result season approaches, these companies may shed light on their improving outlook for the coming quarters.
Analyst Ankit Agrawal, CFA, also shares positive sentiments on Bajaj Finance Ltd, highlighting its robust growth in Q1FY26 despite slightly elevated credit costs. With a focus on AI adoption, Bajaj Finance aims for a transformative FY26. However, amid this optimism, analyst Nimish Maheshwari expresses bearish sentiments following the sudden resignation of Bajaj Finance’s MD, raising concerns about long-term leadership depth despite near-term continuity efforts by the growth architect.
A look at Bajaj Finance Ltd Smart Scores
| Factor | Score | Magnitude |
|---|---|---|
| Value | 2 | |
| Dividend | 3 | |
| Growth | 4 | |
| Resilience | 3 | |
| Momentum | 3 | |
| OVERALL SMART SCORE | 3.0 |
Smart Score is a compound score for the Company indicating its overall outlook. It is derived by taking an equally weighted average of underlying Factor scores computed by Smartkarma
Based on the Smartkarma Smart Scores, Bajaj Finance Ltd shows promising long-term prospects. With a Growth score of 4, the company is positioned well for expansion and increasing market share in the financial services sector. Additionally, its Resilience and Momentum scores both at 3 indicate a stable operational performance and steady growth trajectory.
While Bajaj Finance Ltd may not be considered a value stock with a Value score of 2, its Dividend score of 3 suggests a moderate dividend payout to investors. Overall, Bajaj Finance Limited, a financial services company operating in India, offers a diverse range of financial services through its branches, making it an intriguing option for investors looking for growth opportunities within the sector.
Disclaimer: This article by Smartkarma is general in nature and based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. Note that our articles may not factor in the latest price-sensitive company announcements or qualitative material.
While all reasonable care has been taken in the preparation, Smartkarma makes no assurance about the accuracy of any generated data or content. All content is indicative only and should be independently checked for accuracy and confirmed before use. Smartkarma accepts no responsibility for any loss or damage caused as a result of any inaccuracy or error within the Lab online tools or generated data.
Have feedback on this article? Concerned about the content? Get in touch with us directly.
💡 Before it’s here, it’s on Smartkarma
Sign Up for Free
The Smartkarma Preview Pass is your entry to the Independent Investment Research Network
- ✓ Unlimited Research Summaries
- ✓ Personalised Alerts
- ✓ Custom Watchlists
- ✓ Company Analytics and News
- ✓ Events & Webinars
