Bajaj Finance Ltd
Bajaj Finance Q3 FY25 earnings call: Revenue & Margins
Q3 FY25 earnings call: what management guided on revenue, margins and order book.
The short version
Bajaj Finance aims for 25% balance sheet (AUM) growth in the next 12 months with medium-term guidance maintained. Bajaj Finance targets around 25% balance sheet (AUM) growth for the next fiscal year.
From Bajaj Finance Ltd's Q3 FY25 earnings-call transcript · updated 23 Aug 2026.
Revenue & Sales Performance
- Bajaj Finance aims for 25% balance sheet (AUM) growth in the next 12 months with medium-term guidance maintained.
- Profit growth guidance is 22%-23%, with stable net interest margins (NIMs) expected, subject to external environment.
- Credit costs are targeted to stay below 2%, with improving collection efficiencies supporting this outlook.
- Growth focus remains on segments like new car loans, SME/MSME, and digital product partnerships (e.g., Bharti Airtel collaboration).
- The co-branded credit card incremental sourcing is discontinued, but existing revenue streams continue.
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Profitability & Margins
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Capital Expenditure Plans
- Bajaj Finance is actively expanding its distribution network, with gold loan branches growing from 537 to 827, targeting to cross 1,000 by year-end.
- Strategic partnership with Bharti Airtel is a key focus, with nine products launching on the Airtel Thanks app by March 2025 and a five-year roadmap to expand the offering.
- Investment in technology and AI to improve operating efficiencies and productivity across the board as part of their BFL 3.0 transformation strategy.
- Continued investment in debt management infrastructure, including adding around 4,000 people in Q1 and Q2 and increasing digital collections to optimize recovery.
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Ranked on what management guided this quarter
Rank buckets describe management commentary on revenue and margin. Not investment advice, and not a forecast of returns.
Fundraising & Capital Structure
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Order Book & Pipeline
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What Bajaj Finance's management said in earlier quarters
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Frequently Asked Questions
What were Bajaj Finance Ltd Q3 FY25 results?
Bajaj Finance aims for 25% balance sheet (AUM) growth in the next 12 months with medium-term guidance maintained. Bajaj Finance targets around 25% balance sheet (AUM) growth for the next fiscal year.
What is Bajaj Finance Ltd share price analysis?
Bajaj Finance Ltd currently shows a neutral. The stock trades at a P/E of 33.0 with a market cap of ₹676,761 Cr. Investors should review the full earnings analysis for detailed insights.
Is Bajaj Finance Ltd planning capital expenditure?
Bajaj Finance is actively expanding its distribution network, with gold loan branches growing from 537 to 827, targeting to cross 1,000 by year-end.
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This analysis is AI-generated based on publicly available earnings data and the company's earnings call transcript. This is not investment advice. Please consult a SEBI-registered advisor before making investment decisions.