- Bajaj Finance’s net income for the first quarter is 47 billion rupees, marking a 20% increase year-over-year, beating the estimate of 46.34 billion rupees.
- Revenue reached 195.2 billion rupees, a 21% rise compared to the previous year, slightly above the estimated 194.92 billion rupees.
- The gross non-performing assets are reported at 1.03%, up from 0.96% from the previous quarter.
- Provision for loan losses decreased by 9% quarter-over-quarter, totaling 21.2 billion rupees, just below the estimated 21.39 billion rupees.
- Total costs amounted to 131.6 billion rupees, experiencing a 21% increase year-over-year.
- Finance costs have risen to 69.2 billion rupees, reflecting a 22% year-over-year impact, slightly under the expected 69.25 billion rupees.
- Net interest income stands at 102.3 billion rupees, showing a 22% year-over-year growth, albeit slightly below the estimate of 104.03 billion rupees.
- There was a 23% increase in new loan bookings compared to the previous metrics.
- Analyst recommendations include 22 buys, 12 holds, and 5 sells.
Bajaj Finance Ltd on Smartkarma
Analyst coverage on Bajaj Finance Ltd on Smartkarma reveals contrasting sentiments among independent analysts. Nimish Maheshwari highlights concerns over CEO succession planning with Anup Saha’s sudden resignation, while noting the near-term continuity under the architect of growth. Meanwhile, Ankit Agrawal, CFA, expresses bullish sentiment, citing a strong Q4FY25 and prospects for a robust FY26 driven by stable asset quality and NIM.
In a separate report, Sudarshan Bhandari emphasizes the clarity brought by Rajeev Jain’s promotion to Vice Chairman and Executive Director, ensuring strategic alignment for future growth at Bajaj Finance. Another analysis by Ankit Agrawal, CFA, lauds BAF’s robust growth trajectory, pointing to steady asset quality and NIM stability amidst macro challenges. These insights shed light on the evolving landscape for investors in Bajaj Finance Ltd.
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
Bajaj Finance Limited, a prominent financial services company in India, is looking at a promising long-term outlook based on Smartkarma’s Smart Scores. With an overall outlook score that leans towards a positive trajectory, the company seems well-positioned for sustained growth and resilience in the market. While the Value score indicates room for improvement, Bajaj Finance Ltd shines in areas such as Dividend, Growth, Resilience, and Momentum. These scores, ranging from 2 to 4, signify a company that is on the right track and has the potential for long-term success in the financial services sector.
Known for its diverse array of financial services offered through branches across India, Bajaj Finance Limited’s strong scores in Growth, Resilience, and Momentum suggest a company that is dynamic and adaptive to market conditions. Investors may find Bajaj Finance Ltd an attractive prospect for its solid performance in key areas that drive long-term value creation and sustainability in the competitive financial landscape.
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.
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