Bajaj Finserv's Q1 FY 2025-26 Quarterly Results

Result Summary

• Bajaj Finserv Ltd reported a 10.6% 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 12.6%.
• Its expenses for the quarter were up by 3.6% QoQ and 9.7% YoY.
• The net profit increased 30.5% QoQ and increased 26.6% YoY.
• The earnings per share (EPS) of Bajaj Finserv Ltd stood at 17.3 during Q1 FY 2025-26.

Financial Statments for Q1 FY 2025-26

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 Finserv Ltd is a prominent financial services company in India, primarily known for its presence in the finance and insurance sectors. It operates across multiple segments, including lending, insurance, and wealth advisory. The company offers a range of products and services such as consumer finance, SME finance, commercial lending, insurance, and wealth management. Bajaj Finserv is part of the Bajaj Group, one of the oldest and largest conglomerates in India, known for its diversified businesses. The company has a significant footprint in both urban and rural areas, catering to a wide demographic. Recent developments in the company have focused on digital transformation and expanding its financial technology capabilities to enhance customer experiences and operational efficiency. Specific recent developments may not be available in the provided data set.

Revenue

In the first quarter of FY26, Bajaj Finserv Ltd reported a total income of ₹35,451.34 crores, which represents a quarter-over-quarter (QoQ) increase of 10.6% from the ₹32,041.93 crores reported in Q4FY25. The year-over-year (YoY) comparison also shows growth, with a 12.6% increase from the ₹31,480.14 crores recorded in Q1FY25. This consistent growth in revenue over both periods highlights a robust financial performance in terms of income generation. The increase in total income can be attributed to strong operational performance across its diverse business segments.

Profitability

The profitability of Bajaj Finserv Ltd has shown considerable improvement in the first quarter of FY26. The company's profit before tax (PBT) stood at ₹7,203.02 crores, marking a 30.4% increase QoQ from ₹5,523.21 crores in Q4FY25, and a 20.7% increase YoY from ₹5,966.00 crores in Q1FY25. After accounting for taxes amounting to ₹1,874.47 crores, Bajaj Finserv's profit after tax (PAT) was ₹5,329.17 crores, reflecting a 30.5% QoQ increase from ₹4,084.93 crores in the previous quarter and a 26.6% YoY rise from ₹4,209.28 crores in the same quarter last year. This strong profitability is further evidenced by the earnings per share (EPS), which increased by 31.1% QoQ and by 30.1% YoY, reaching ₹17.30 in Q1FY26.

Operating Metrics

The operational efficiency of Bajaj Finserv Ltd is reflected in the total expenses incurred during Q1FY26, which amounted to ₹26,135.57 crores. This represents a 3.6% increase QoQ from ₹25,216.87 crores in Q4FY25 and a 9.7% increase YoY from ₹23,815.41 crores in Q1FY25. Despite the increase in expenses, the company has managed to maintain a healthy profit margin due to the significant rise in total income and controlled tax expenses. The operational metrics demonstrate Bajaj Finserv's ability to manage costs while expanding revenue streams, which is crucial for sustaining its financial health. The data provided does not include specific financial ratios such as P/E ratio, debt-to-equity ratio, or current ratio, so these cannot be analyzed in this report.