| Management target | Net Profit 24.0% Long-term |
|---|
| Revenue growth | Net total income grew 22% YoY in Q1 FY27. |
|---|---|
| Margins | NIM remained steady in Q1; Opex-to-NTI improvement of 25-40 bps expected. |
| Demand visibility | Strong; planning to add 18-20 MM new customers in FY27. |
| Management confidence | High; citing excellent metrics and optimistic credit cost outlook for FY27. |
Growth
AUM grew 24% YoY; PBT and PAT both rose 28% YoY. New loans booked increased 20% to 16.13 MM.
Outlook
Long-term guidance: AUM growth 23-25%, Profit 23-24%, ROA 4.3-4.7%, ROE 19-21%. FY27 new loans: 60-62 MM.
Risks
Credit cost outlook remains contingent on potential material adverse effects from geopolitical events.
Last quarter's promises, checked
Delivered
- AUM growth 20-24% → delivered 24% (= BEAT)
- New customer addition 15-17 MM → delivered 18-20 MM (revised up) (= BEAT)
- ROA 4.4-4.6% → delivered 4.6% (= BEAT)
Partly delivered
- Credit cost 1.45-1.60% → delivered 1.65% in Q4 (FY27 guide 1.45-1.60%) (= PARTIAL)
Investor Presentation filed with NSE, NSE: BAJFINANCE. Summary written with AI assistance from the document.
Bajaj Finance Ltd: key numbers
- Share price
- ₹996.90
- Market cap
- ₹6,20,665 Cr
- Revenue (annual)
- ₹81,982 Cr
- Net profit (annual)
- ₹19,017 Cr
- P/E (TTM)
- 30.6×Sector 22.0×
- Promoter holding
- 54.67%-0.03% QoQ
- FII holding
- 18.84%Current quarter
Reference market data from a third-party provider, updated daily. Not a valuation or a recommendation.
More from Bajaj Finance Ltd
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- Value
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- Execution
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