Bajaj Finance Limited (BAJFINANCE.NS) stock analysis

In our weekly check, Bajaj Finance Limited is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 19 pass, warnings: 1, red flags: 4.

About Bajaj Finance Limited

Bajaj Finance Limited is a Financial Services company (Financial - Credit Services) based in India, listed on NSE as BAJFINANCE.NS.

What our checks show for BAJFINANCE.NS

Red flags

• The gross margin fell by 9.2 points, to 58.1%: costs are rising faster than prices.
• The dividend takes 1735% of profit: little cushion if profit falls.
• The stock has fallen as much as 91% from a peak. Would you have held through that?

Warning signs

• Return on capital (ROCE) is only 5.6%.

Strengths

• Operating cash flow is 1.89x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 26.7% a year over the next years.
• Analysts expect the net margin to improve by 17.5 points from today's 23.2%.
• Revenue grew 27.5% a year over the last 3 years.
• Earnings per share grew 17.1% a year over the last 3 years.
• Net profit grew 18.2% a year over the last 3 years.

Next earnings report: 2027-01-20

Similar companies

8591.T · SHRIRAMFIN.NS · 8593.T · CHOLAFIN.NS · PFC.NS · V

Questions

What grade does Bajaj Finance Limited (BAJFINANCE.NS) have?

In our weekly check, Bajaj Finance Limited is graded B (A to F). Of 24 checks on debt, profit, cash flow and trend: 19 pass, warnings: 1, red flags: 4. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of BAJFINANCE.NS stock?

This week's biggest flags for Bajaj Finance Limited: Gross margin falling, Dividend stretched, Deep past fall. In total 5 of 24 checks show a warning or a red flag.

What does Bajaj Finance Limited do?

Bajaj Finance Limited is a Financial Services company (Financial - Credit Services) based in India, listed on NSE as BAJFINANCE.NS.

When does Bajaj Finance Limited report earnings next?

The next earnings report is expected on 2027-01-20. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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