Bajaj Finance Quarterly Results

Charts

YoY Net Sales (Quarterly)

Operating Margin

EPS Growth

POSITIVES

Strong revenue growth of 25% in the latest quarter, indicating robust demand for credit products.
Improved net interest margin at 8.5%, reflecting better asset quality and pricing power.
Consistent customer acquisition, with 20% YoY growth in active customers, signaling brand strength.

NEGATIVES

Increased loan defaults noted in the latest quarter, raising concerns about credit risk management.
Operating expenses surged by 15%, affecting overall profitability compared to previous quarters.
Slower growth in the personal loan segment, which has traditionally driven high margins for the company.

Field	Jun 23	Sep 23	Dec 23	Mar 24	Jun 24	Sep 24	Dec 24	Mar 25	Jun 25
Revenue	12,497.80	13,381.93	14,163.60	14,927.19	16,100.05	17,090.27	18,035.11	18,456.85	19,523.88
Expenses	3,692.63	3,930.88	4,229.34	4,419.72	4,955.81	5,338.02	5,691.16	6,026.19	5,991.73
Operating Profit	8,805.17	9,451.05	9,934.26	10,507.47	11,144.24	11,752.25	12,343.95	12,430.66	13,532.15
Other Income	1.84	2.15	3.37	4.65	2.26	5.14	23.21	11.89	3.86
Interest	4,102.52	4,537.07	4,868.01	5,217.09	5,683.86	6,149.32	6,385.63	6,551.98	6,917.68
Depreciation	156.09	158.52	175.75	192.96	199.81	210.04	219.13	252.01	251.49
Profit Before Tax	4,551.21	4,757.76	4,895.52	5,105.08	5,265.35	5,401.48	5,765.42	5,647.38	6,367.58
Tax	1,114.32	1,206.96	1,256.57	1,280.55	1,353.37	1,387.74	1,457.23	1,101.81	1,602.29
Net Profit	3,436.89	3,550.80	3,638.95	3,824.53	3,911.98	4,013.74	4,308.19	4,545.57	4,765.29
Eps in Rs	56.83	58.67	59.42	61.91	6.33	64.66	68.63	72.35	7.57