Bajaj Finance Ltd.

BAJFINANCE

₹7119.5

3.28% (226.3)

Market Cap

₹4,41,561 Cr.

P/E

32.03

Bajaj Finance Ltd.

Financial
Business

Financial

	Bajaj Finance	REC	Indian Ren. Energy
Operational Metrics
Banking Sector
Net Interest Margin	12.4 %	3.61 %	n/a
NBFC
Cost To Income Ratio	33.9 %	n/a	n/a
Cost of Borrowing	7.76 %	7.28 %	n/a
AUM - NBFC	310968.0 Crs	n/a	n/a
Capital to Risks Assets Ratio (CRAR)	23.9 %	28.21 %	n/a
Tier I Capital	22.8 %	25.35 %	n/a
Gross NPA	0.25 %	2.78 %	n/a
Net NPA	0.1 %	0.82 %	n/a
Financials
5 yr Average ROE	17.15 %	17.72 %	11.9 %
5yr average Equity Multiplier	5.17	8.72	9.56
5yr Average Asset Turnover Ratio	0.15	0.09	0.08
5yr Avg Net Profit Margin	21.63 %	23.32 %	15.94 %
5yr Avg Net Profit Margin	21.63 %	23.32 %	15.94 %
5yr CAGR Net Profit	23.56 %	14.23 %	-1.13 %
5yr CAGR Sales	17.48 %	9.21 %	12.45 %
5 yr CAGR PPOP	n/a	n/a	n/a
Price to Book	7.37	1.76	5.05
P/E	32.03	8.54	49.99
Shareholdings
Promoter Holding	54.78 %	52.63 %	75.0 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-1.34 %	0.0	0.0
Change in Mutual Fund Holding (3 Yrs)	3.58 %	0.41 %	-2.34 %

Business

	Bajaj Finance	REC	Indian Ren. Energy
Product Wise Break-Up	Product Wise Break-Up Interest income 88.43 Fee & commission 9.11 Net gain/ (loss) on fair value changes 0 0 Fees and Commission Income 0 Dividend Income 0 Interest Income 0 Others 2.46	Product Wise Break-Up Net gain/ (loss) on fair value changes 0 Interest income 0 Fees and Commission Income 0.44 Interest Income 98.01 Fee & commission 0 0 Dividend Income 0 Others 1.55	Product Wise Break-Up Net gain/ (loss) on fair value changes 0 Interest income 0 Fees and Commission Income 0.89 Interest Income 98.44 Fee & commission 0 0 Dividend Income 0 Others 0.67
Location Wise Break-Up	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0	Location Wise Break-Up India 100.0 Rest of the World 0
Borrowings Break-Up	Borrowings Break-Up Loan From Banks 85.5 Collateralized borrowing and lending obligation 9.99 Loan From Banks 2.17 External Commercial Borrowings 1.79 Cash Credit 0.55 Overdraft facility 0 Infra Bonds 0 Banks , Fis , Govt. & etc. 0 Commercial Papers 0 Tax Free Bonds 0 Capital Gain Bonds 0 FCNR (B) Loans 0 Foreign Currency Borrowings 0 0	Borrowings Break-Up Banking 20.0 Tax Free Bonds 2.0 Loan From Banks 0 External Commercial Borrowings 0 Foreign Currency Borrowings 21.0 Infra Bonds 0 Overdraft facility 0 Cash Credit 0 Loans 6.0 Commercial Papers 1.0 Institutional , Subordinate & Zero Coupon Bonds 41.0 Capital Gain Bonds 9.0 0	-
NPA Break-Up	NPA Break-Up Others 100	-	-
AUM Break-Up - NBFC	AUM Break-Up - NBFC Mortage 31.04 Consumer Finance 19.84 Small & Medium Enterprises (SME) loans 13.31 Consumer Finance 7.87 Rural 6.89 Commercial Lending Business 6.65 Consumer Finance 6.23 Loans against securities 6.18 Rural 1.98 Infrastructure 0 Short Term Loan 0 Transmission & Distribution 0 Renewable Energy 0 Generation 0 Others 0.01	AUM Break-Up - NBFC Small & Medium Enterprises (SME) loans 0 Rural 0 Infrastructure 9.0 Renewable Energy 7.0 Loans against securities 0 Commercial Lending Business 0 Consumer Finance 0 Loan From Banks 2.0 Mortage 0 Generation 29.0 Transmission & distribution 53.0	-
Segment Wise Break-Up	Segment Wise Break-Up Financing 100.0	-	-

Bajaj Finance Ltd.

Bajaj Finance Ltd.

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