Bajaj Finance (BAJFINANCE) Stock Price, Fundamentals & Analysis

What BAJFINANCE does

Bajaj Finance (BAJFINANCE) is a deposit-taking non-banking financial company based in Pune, India, and listed on the National Stock Exchange of India. It provides financing for a wide range of consumer and business needs, including consumer electronics, furniture, digital products, lifestyle products, lifecare services, e-commerce purchases, and two- and three-wheelers. The company also offers personal, unsecured, home, secured, gold, and car loans, along with secured and unsecured loans to micro, small, and medium enterprises. Additional services include loans against property, mutual funds, insurance policies, and shares; developer finance; lease rental discounting; commercial and rural lending; public and corporate deposits; micro-finance; auto financing; proprietary trading; ESOP financing; and broking and margin trade financing. Bajaj Finance also distributes life, health, and general insurance products. Formerly known as Bajaj Auto Finance Limited, the company changed its name in September 2010 and has been operating since 1987. It operates in the same space as peers such as Bajaj Finserv (BAJAJFINSV), Shriram Finance (SHRIRAMFIN), ICICI Bank (ICICIBANK), and HDFC Bank (HDFCBANK).

Key numbers explained

• Price of 996,9 INR: the latest trading price on the National Stock Exchange of India.
• Trailing P/E ratio of 29,6: shows how much investors pay per rupee of the company's last 12 months of earnings; a higher number can reflect higher growth expectations.
• Forward P/E ratio of 19,7: similar to the trailing P/E but based on expected future earnings, which can make the stock look cheaper if earnings are expected to grow.
• Dividend yield of 0,54%: the annual dividend as a percentage of the current price, indicating the cash return from dividends alone.
• Ex-dividend date of 30 iun. 2026: the date after which a buyer is no longer entitled to the next dividend payment.
• Share of earnings paid out as dividends of 17%: the proportion of net income the company returns to shareholders as dividends, with the rest kept for growth or other purposes.
• Beta of 0,31: a measure of the stock's sensitivity to overall market moves; a value below 1 suggests lower volatility than the market.
• Debt-to-equity ratio of 314,8%: total debt expressed as a percentage of shareholders' equity, highlighting the company's reliance on borrowing.

What to watch

• Bajaj Finance is part of the National Stock Exchange of India stocks universe, so broader index movements and sector rotation can affect its price.
• As a financial services company in the credit space, its results are sensitive to interest rate changes, credit quality, and consumer and business borrowing demand.
• The company's revenue growth of 26,1% year over year and profit margin of 43,5% are key indicators of top-line expansion and cost control.
• Upcoming events such as the nextEarningsDate on 16 nov. 2026 can bring volatility as the market digests new guidance and results.
• Investors often compare Bajaj Finance with peers like Bajaj Finserv (BAJAJFINSV), Shriram Finance (SHRIRAMFIN), and Jio Financial Services (JIOFIN) to gauge relative valuation and growth prospects.