Bajaj Finance's Q1 FY 2025-26 Quarterly Results

Result Summary

• Bajaj Finance Ltd reported a 30.8% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Jun (Q1 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 21.3%.
• Its expenses for the quarter were up by 29.6% QoQ and 20.6% YoY.
• The net profit increased 24.6% QoQ and increased 21.8% YoY.
• The earnings per share (EPS) of Bajaj Finance Ltd stood at 7.5 during Q1 FY 2025-26.

Financial Statments for Q1 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Bajaj Finance Ltd is a leading non-banking financial company in India, primarily engaged in lending services. It offers a diverse range of financial products, including consumer finance, SME lending, and commercial lending. The company operates within the financial services industry, catering to a broad customer base across various segments. Bajaj Finance Ltd has developed a robust distribution network and digital platforms to deliver its products efficiently. It has consistently expanded its portfolio to include new financial products and services, focusing on innovation and customer-centric approaches. While specific recent major developments are not mentioned in the data, the company's strategic initiatives typically emphasize digital transformation and expansion into new market segments.

Revenue

During Q1FY26, Bajaj Finance Ltd reported a total income of ₹19,527.74 crores. This represents a significant increase of 30.8% quarter-over-quarter (QoQ) from ₹14,931.98 crores in Q4FY25 and a year-over-year (YoY) growth of 21.3% from ₹16,102.31 crores in Q1FY25. The substantial growth in total income suggests an upward trend in the company's revenue generation capabilities over the observed periods. The data indicates a positive trajectory in revenue performance for the company, reflecting its ability to enhance income streams effectively.

Profitability

In Q1FY26, Bajaj Finance Ltd achieved a Profit Before Tax (PBT) of ₹6,366.84 crores, marking a 24.8% increase QoQ from ₹5,102.07 crores in Q4FY25, and a 21.0% rise YoY from ₹5,262.83 crores in Q1FY25. The company's Profit After Tax (PAT) for the same quarter stood at ₹4,765.29 crores, up by 24.6% QoQ from ₹3,824.53 crores in Q4FY25 and by 21.8% YoY from ₹3,911.98 crores in Q1FY25. These figures highlight the company's improved profitability over the periods under review. The tax expense for Q1FY26 was ₹1,602.29 crores, reflecting a QoQ increase of 25.1% from ₹1,280.55 crores and an 18.4% rise YoY from ₹1,353.37 crores.

Operating Metrics

The company's total expenses in Q1FY26 amounted to ₹11,040.69 crores, representing a 29.6% increase QoQ from ₹8,519.90 crores in Q4FY25 and a 20.6% rise YoY from ₹9,154.80 crores in Q1FY25. Earnings Per Share (EPS) for Q1FY26 was reported at ₹7.50, showing a sharp decrease of 87.8% QoQ from ₹61.70 in Q4FY25 and an 88.1% decline YoY from ₹63.10 in Q1FY25. The decrease in EPS could be attributed to factors affecting share performance metrics, as reflected in the provided data. The analysis of these metrics provides insights into the company’s operational efficiency and its impact on shareholder value.