BAJFINANCE IN EQUITY
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Day range—
52-week range—
Market cap—
P/E · TTM—
As of—
| ₹ CR · FY | FY22 | FY23 | FY24 | FY25 | FY26 | Sep'26 | YOY |
|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||
| Revenue | 31,633 | 41,411 | 54,972 | 68,832 | 81,985 | — | — |
| Operating profit | 9,905 | 16,018 | 19,987 | 22,963 | 27,088 | — | — |
| OPM % | 31.3% | 38.7% | 36.4% | 33.4% | 33.0% | — | |
| Interest | 9,848 | 12,701 | 18,886 | 24,991 | 28,899 | — | — |
| Profit before tax | 9,504 | 15,528 | 19,310 | 22,080 | 25,817 | — | — |
| Net profit | 7,028 | 11,508 | 14,451 | 16,779 | 19,332 | — | — |
| NPM % | 22.2% | 27.8% | 26.3% | 24.4% | 23.6% | — | |
| Balance sheet & cash | |||||||
| Total assets | 2,12,505 | 2,75,226 | 3,75,742 | 4,66,127 | 5,59,952 | 6,39,443 | +14.2% |
| Equity | 43,713 | 54,372 | 76,696 | 96,693 | 1,13,999 | 1,23,179 | +8.1% |
| Debt | — | — | — | — | — | — | — |
| Cash from ops | -37,029 | -42,112 | -72,760 | -67,792 | -65,790 | — | — |
| Capex | — | — | — | — | — | — | — |
| CHECK | RESULT | VALUE |
|---|---|---|
| Net profit positive | n/a | — |
| Operating cash flow positive | n/a | — |
| ROA improved | n/a | 3.5% → — |
| Cash from ops > net profit | n/a | — |
| Leverage fell | n/a | — → — |
| Current ratio improved | n/a | — → — |
| Gross margin improved | n/a | 33.0% → — |
| Asset turnover improved | n/a | 0.15 → — |
| Interest cover above 3× | n/a | — |
| ₹ CR · QUARTER | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | Q3 FY26 | Q4 FY26 | Q1 FY27 | Q2 FY27 | YOY |
|---|---|---|---|---|---|---|---|---|---|
| Profit & loss | |||||||||
| Revenue | 18,035 | 18,294 | 19,524 | 19,990 | 21,013 | 21,606 | 23,165 | 24,546 | +22.8% |
| Operating profit | 5,958 | 5,879 | 6,614 | 6,861 | 5,937 | 7,654 | 8,430 | 8,825 | +28.6% |
| OPM % | 33.0% | 32.1% | 33.9% | 34.3% | 28.3% | 35.4% | 36.4% | 36.0% | |
| Interest | 6,386 | 6,551 | 6,918 | 7,011 | 7,339 | 7,398 | 7,942 | 8,602 | +22.7% |
| Profit before tax | 5,765 | 5,647 | 6,368 | 6,608 | 5,431 | 7,410 | 8,149 | 8,537 | +29.2% |
| Net profit | 4,308 | 4,546 | 4,765 | 4,948 | 4,066 | 5,553 | 6,081 | 6,367 | +28.7% |
| NPM % | 23.9% | 24.8% | 24.4% | 24.8% | 19.3% | 25.7% | 26.3% | 25.9% |