Bajaj Finserv Q1 FY27 Share Price & Earnings Call Analysis

Financials of Bajaj Finserv

Quarterly Results, Profit & Loss, Balance Sheet, Cash Flows, and Ratios are shown below as separate sections.

Financials of Bajaj Finserv

Quarterly Results

Quarter-by-quarter operating performance

Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026
Sales +23,62523,28026,02329,03832,04131,48033,70432,04236,59535,43937,40339,70838,494
Expenses +15,47013,93516,07318,60121,10819,65521,42019,66923,86821,12423,35225,84223,983
Operating Profit8,1549,3459,95010,43810,93311,82512,28312,37312,72814,31514,05013,86614,511
OPM %35%40%38%36%34%38%36%39%35%40%38%35%38%
Other Income +2302433310133-37825
Interest3,4364,0204,4494,7775,1545,5926,0466,2766,3966,8076,9017,2327,291
Depreciation181202209232257267275288339317327330317
Profit before tax4,5405,1255,2925,4315,5275,9685,9665,8126,0027,2046,8255,9266,928
Tax %27%28%29%26%26%29%30%24%21%26%30%26%25%
Net Profit +3,3353,7093,7564,0454,0854,2094,1804,4124,7565,3294,7464,3685,226
EPS in Rs11.1112.2012.0913.5213.2813.3913.0713.9715.1417.4614.0413.9515.86

Financials of Bajaj Finserv

Profit & Loss

Annual income statement trend

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Sales +11,33520,53324,50732,86242,60554,35160,59268,40682,072110,382133,822150,504
Expenses +5,82313,79515,79422,07427,56936,09440,95046,95152,20469,49784,29893,761
Operating Profit5,5116,7398,71310,78815,03718,25819,64121,45529,86840,88649,52456,743
OPM %49%33%36%33%35%34%32%31%36%37%37%38%
Other Income +800120-781-4-18-336
Interest2,2302,8773,7164,5316,6579,5009,2749,62912,38018,60724,58728,232
Depreciation3858731602264574985636789001,1701,291
Profit before tax3,2513,8044,9256,0998,1558,3029,86211,27116,81121,37523,74826,883
Tax %26%27%30%32%34%28%25%26%27%27%26%27%
Net Profit +2,4092,7753,4504,1765,3745,9947,3678,31412,21015,59517,55819,669
EPS in Rs10.6211.7114.2116.6520.2321.1728.0928.6340.2951.0755.5761.24
Dividend Payout %2%1%1%1%1%2%1%1%2%2%2%2%

Financials of Bajaj Finserv

Balance Sheet

Capital structure and asset base

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital8080808080808080159159160160
Reserves11,00913,51916,07120,40323,66031,22235,75040,16746,24860,16972,23677,755
Borrowings +26,31236,06248,28265,69599,754127,212128,461161,179212,265288,933355,855429,914
Other Liabilities +50,82754,29064,18175,33784,93492,791115,554131,987146,729188,154223,269250,669
Total Liabilities88,228103,951128,614161,514208,428251,304279,845333,413405,401537,415651,519758,498
Fixed Assets +1,2611,2741,6451,7922,0973,2163,1823,5864,3365,4556,2976,800
CWIP3114286645129113191220314250
Investments51,36753,69862,65869,42881,67991,821113,654119,222136,176170,127190,130194,414
Other Assets +35,59848,96964,30690,266124,587156,223162,879210,493264,698361,613454,778557,034
Total Assets88,228103,951128,614161,514208,428251,304279,845333,413405,401537,415651,519758,498

Financials of Bajaj Finserv

Cash Flows

Operating, investing and financing cash movement

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Cash from Operating Activity +-10,731-9,795-10,922-19,580-27,076-23,3694,547-33,670-39,480-65,502-62,113-55,301
Cash from Investing Activity +3,709-886151-922-6,903-9,948-3,6841,445-13,945-14,132-7,987-12,635
Cash from Financing Activity +6,83911,60212,51319,59034,53534,4791,68732,32651,01682,70970,19166,610
Net Cash Flow-1839211,742-9115551,1622,551101-2,4093,07592-1,326
Free Cash Flow-10,731-9,795-10,922-19,883-27,646-24,2394,096-34,420-40,603-66,811-63,829-56,619
CFO/OP-195%-145%-125%-162%-161%-113%34%-142%-117%-146%-111%-84%

Financials of Bajaj Finserv

Ratios

Working capital efficiency and return ratios

Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Debtor Days171219191918171615202323
Inventory Days
Days Payable
Cash Conversion Cycle171219191918171615202323
Working Capital Days-741-341-301-750-644-417-490-493-444-406-374-351
ROCE %15%14%14%13%13%11%10%10%11%12%11%11%

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What Bajaj Finserv's management said in earlier quarters

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