Bajaj Finserv Key Ratios

The increase in ROE from 22.07% in FY2021 to 29.52% in FY2024 suggests a significant improvement in overall profitability and efficiency.PAT margin showed an uptrend peak in FY2023 (7.82%), driving ROE higher alongside a slight recovery in asset turnover, indicating more effective asset usage despite increasing leverage.The higher leverage ratio reflects greater reliance on debt, but coupled with strong profitability, has reinforced the improvement in ROE.

All inventory days are reported as zero, indicating either a just-in-time inventory strategy or data inadequacies, hence limiting insights into inventory efficiency.The decline in receivable days (from 16.77 in FY2021 to 14.37 in FY2023) indicates enhanced collection processes, contributing positively to cash flows.The consistent cash conversion cycle around 15 days suggests that while immediate liquidity management is effective, the absence of payable days data complicates a full efficiency assessment.

ROE peaked at 29.52% in FY2024 as profitability surged, demonstrating effective equity utilization to generate returns.ROCE has shown continuous improvement, reflecting stronger operational efficiency with debt included, signaling positive capital management.ROA remains relatively low yet stable, indicating asset utilization is lagging behind equity and capital efficiency, thus requiring attention for further growth.