Here's a fundamental look at Bajaj Finance Ltd. (BAJFINANCE), spanning revenue trends, profitability, valuation, and shareholding patterns.
Bajaj Finance Revenue Trend
Revenue climbed 17.6% in FY2026, pushing Bajaj Finance Ltd.'s top line to ₹81,990 Cr.
Step back and the trend holds up: revenue at Bajaj Finance Ltd. has compounded at 27.2% annually over 10 years, well ahead of inflation.
With a ₹81,990 Cr revenue base, Bajaj Finance Ltd. ranks as a major name in the Indian financial institution sector.
What stands out is the consistency: top-line revenue has grown for 10 consecutive years running.
| Year | Revenue | YoY % |
|---|---|---|
| FY2026 | ₹81,990 Cr | +17.6% |
| FY2025 | ₹69,725 Cr | +26.8% |
| FY2024 | ₹54,983 Cr | +32.8% |
| FY2023 | ₹41,406 Cr | +30.8% |
| FY2022 | ₹31,648 Cr | — |
View Bajaj Finance Ltd.'s full 10-year revenue trend with CAGR analysis →
Bajaj Finance Profitability
FY2026 earnings landed at ₹19,332 Cr, a 16.2% gain over the ₹16,638 Cr reported in FY2025.
Net margin held steady near 23.6%, in line with the prior year.
On a per-share basis, diluted EPS came in at ₹30.51 in FY2026, up from ₹26.82.
Is Bajaj Finance Undervalued
Shares of Bajaj Finance Ltd. currently trade at ₹1,153.00.
Craytheon calculates intrinsic value using the P/B Ratio, P/E Ratio, EPS Growth, and DDM models. All four appear in the Valuation Models cards below.
Valuation Models
Bajaj Finance Shareholding Pattern
Promoters haven't budged, holding steady at 54.7% for 4 quarters now.
Foreign institutional investors trimmed their stake to 20.2% from 22.0% over the past year.
Domestic institutions, meanwhile, raised their stake to 16.4% from 14.5% over the past year.
| Quarter | Promoter | FII | DII | Public |
|---|---|---|---|---|
| Jun 2026 | 54.7% | 20.2% | 16.4% | 8.6% |
| Mar 2026 | 54.7% | 21.3% | 15.2% | 8.7% |
| Dec 2025 | 54.7% | 21.5% | 14.9% | 8.8% |
| Sep 2025 | 54.7% | 22.0% | 14.5% | 8.8% |
Track quarterly shareholding changes for Bajaj Finance Ltd. →
Bajaj Finance Balance Sheet
Proportional view as of 3 Aug 2026. Hover blocks for details.
Assets
Liabilities & Equity
Total assets stood at ₹5,599.52B at the end of FY2026, up 20.1% from ₹4,661.27B a year earlier.
Other Assets is the largest block at 90.7%, followed by Cash & ST Investments at 8.3% and Property, Plant & Equipment at 0.5%.
Equity makes up 20.9% of liabilities and equity, with debt at 77.7% and operating liabilities at 1.4%. Over the year, debt is up 20.4% and equity is up 18.2%.
Balance sheet composition — FY 2026
| Category | Value |
|---|---|
| Cash & ST Investments | 463.33B |
| Receivables | 19.08B |
| Property, Plant & Equipment | 29.13B |
| Intangibles & Goodwill | 11.53B |
| Other Assets | 5,076.45B |
| Category | Value |
|---|---|
| Equity | 1,169.86B |
| Short-term Debt | 4,351.12B |
| Trade Payables | 21.05B |
| Other Liabilities | 57.50B |
Bajaj Finance Key Takeaways
Pulling it together, here's the picture Bajaj Finance Ltd. (BAJFINANCE) presents to fundamental analysts.
₹81,990 Cr in FY2026 revenue, up 17.6% year-over-year.
A 27.2% annual revenue CAGR sustained over 10 years.
Profitable operations, with a 23.6% net margin and ₹19,332 Cr in net income.
Unlock Full Analysis
Get the complete view of Bajaj Finance Ltd. on Craytheon — 10 years of financials, four valuation models, and institutional holding trends.