Bajaj Finance Ltd's Q4FY25 Quarter Results
Bajaj Finance Ltd's revenue increased 31.4% YoY
- 1d ago
Result Summary
- Bajaj Finance Ltd reported a 17.3% quarter-on-quarter (QoQ) decrease in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 31.4%.
- Its expenses for the quarter were down by 16.9% QoQ and up 36.4% YoY.
- The net profit decreased 11.2% QoQ and increased 21.1% YoY.
- The earnings per share (EPS) of Bajaj Finance Ltd stood at 61.7 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 14931.98 | 18058.32 | 11363.14 | -17.3% | 31.4% |
Total Expenses | 8519.90 | 10252.59 | 6244.19 | -16.9% | 36.4% |
Profit Before Tax | 5102.07 | 5762.40 | 4259.52 | -11.5% | 19.8% |
Tax | 1280.55 | 1457.23 | 1103.34 | -12.1% | 16.1% |
Profit After Tax | 3824.53 | 4308.19 | 3157.79 | -11.2% | 21.1% |
Earnings Per Share | 61.70 | 68.50 | 52.00 | -9.9% | 18.7% |
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 prominent non-banking financial company (NBFC) in India, primarily engaged in lending and wealth management. It offers a range of financial products and services including consumer finance, SME finance, commercial lending, and wealth management. As a key player in the financial services industry, Bajaj Finance is known for its diverse loan portfolio that spans across consumer durables, personal loans, lifestyle finance, and more recently, digital lending solutions. The company has a substantial customer base supported by its extensive distribution network, including an increasing presence in the digital lending space. Recent developments in the industry, such as the shift towards digital financial solutions and increased regulatory scrutiny, are noteworthy for companies like Bajaj Finance, although specific recent developments for the company are not available from the data provided.
## Revenue
In Q4FY25, Bajaj Finance Ltd reported a Total Income of ₹14,931.98 crores, marking a decrease of 17.3% from the previous quarter (Q3FY25), which had a Total Income of ₹18,058.32 crores. Comparatively, on a year-over-year basis, there is a notable increase of 31.4% from Q4FY24, where the Total Income was ₹11,363.14 crores. This YoY increase indicates substantial revenue growth over the year. The revenue trends can be attributed to various factors, including market conditions, changes in consumer demand, or strategic business decisions. The quarterly decline may reflect seasonal variations or other operational factors impacting the revenue generation for the period.
## Profitability
Bajaj Finance Ltd’s financial performance in terms of profitability for Q4FY25 shows a Profit Before Tax of ₹5,102.07 crores, which is a decrease of 11.5% QoQ from the Q3FY25 value of ₹5,762.40 crores. On a YoY basis, there is a 19.8% increase from Q4FY24, where the Profit Before Tax was ₹4,259.52 crores. The Profit After Tax for Q4FY25 stands at ₹3,824.53 crores, down by 11.2% compared to the previous quarter's ₹4,308.19 crores, yet reflecting a 21.1% increase from the ₹3,157.79 crores reported in Q4FY24. The company's taxation for Q4FY25 was ₹1,280.55 crores, representing a decrease from both the previous quarter and the same quarter last year. This profitability analysis highlights changes in operational efficiency and tax management over the periods.
## Operating Metrics
The operating metrics for Bajaj Finance Ltd in Q4FY25 include an Earnings Per Share (EPS) of ₹61.70, which has decreased by 9.9% from ₹68.50 in Q3FY25. However, on a YoY basis, the EPS has shown an increase of 18.7% from ₹52.00 in Q4FY24. These EPS figures contribute to assessing the company’s profitability on a per-share basis, indicating the amount of profit allocated to each outstanding share of common stock. Additionally, Total Expenses for Q4FY25 are reported at ₹8,519.90 crores, reflecting a decrease of 16.9% QoQ from Q3FY25 but an increase of 36.4% YoY from Q4FY24. These metrics provide insights into the company's operational expenditure and efficiency. No additional financial ratios or operational metrics are calculated from the provided data.
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