Bajaj Finserv Ltd's Q4FY25 Quarter Results
- 1d ago
Result Summary
- Bajaj Finserv Ltd reported a 0.0% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4FY25). On a year-on-year (YoY) basis, it witnessed a growth of 35.6%.
- Its expenses for the quarter were up by 4.2% QoQ and 38.4% YoY.
- The net profit decreased 7.4% QoQ and increased 22.5% YoY.
- The earnings per share (EPS) of Bajaj Finserv Ltd stood at 13.2 during Q4FY25.
Financial Statments for Q4FY25
| (₹ crores) | Q4FY25 | Q3FY25 | Q4FY24 | QoQ (%) | YoY (%) |
|---|---|---|---|---|---|
Total Income | 32041.93 | 32041.81 | 23624.95 | 0.0% | 35.6% |
Total Expenses | 25216.87 | 24205.79 | 18224.45 | 4.2% | 38.4% |
Profit Before Tax | 5523.21 | 5808.41 | 4538.60 | -4.9% | 21.7% |
Tax | 1441.61 | 1399.62 | 1205.32 | 3.0% | 19.6% |
Profit After Tax | 4084.93 | 4411.89 | 3335.14 | -7.4% | 22.5% |
Earnings Per Share | 13.20 | 13.90 | 11.00 | -5.0% | 20.0% |
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 player in the financial services industry in India. The company primarily focuses on lending, insurance, and wealth advisory services. As part of the Bajaj Group, Bajaj Finserv has established a strong presence in the Indian financial market, leveraging its robust network and diversified portfolio of services. The company has been known for its innovative approaches in financial products, including retail and consumer finance, life and general insurance, and asset management. At the time of this analysis, there is no specific information provided about recent major developments or strategic changes within the company. Therefore, any developments beyond the scope of the provided data are not available for discussion in this report.
Revenue
For Q4FY25, Bajaj Finserv Ltd reported a total income of ₹32,041.93 crores, which remained almost unchanged from the previous quarter, Q3FY25, with a negligible increase of 0.0%. However, the year-over-year (YoY) comparison shows a significant increase of 35.6% from Q4FY24, where the total income was ₹23,624.95 crores. This substantial YoY growth indicates a robust expansion in revenue generation over the year, underscoring the company’s capacity to enhance its revenue streams. Despite this, the quarter-over-quarter (QoQ) stagnation in total income suggests stability in revenue generation over the last quarter.
Profitability
In Q4FY25, Bajaj Finserv Ltd's profitability metrics displayed varied results. The profit before tax (PBT) was ₹5,523.21 crores, marking a decrease of 4.9% from the previous quarter (Q3FY25), where the PBT was ₹5,808.41 crores. However, when compared to the same quarter of the previous year (Q4FY24), the PBT increased by 21.7% from ₹4,538.60 crores. The profit after tax (PAT) for Q4FY25 was ₹4,084.93 crores, representing a decline of 7.4% from Q3FY25, where it stood at ₹4,411.89 crores. Despite this quarterly decline, the YoY increase was 22.5%, up from ₹3,335.14 crores in Q4FY24. This discrepancy between QoQ and YoY changes highlights fluctuations in profitability, with notable growth over the year despite short-term reductions.
Operating Metrics
The total expenses for Bajaj Finserv Ltd in Q4FY25 were reported at ₹25,216.87 crores, which marks an increase of 4.2% compared to the previous quarter (Q3FY25) when expenses were ₹24,205.79 crores. This increase in expenses is more pronounced when viewed on a YoY basis, showing a 38.4% rise from ₹18,224.45 crores in Q4FY24. The company's earnings per share (EPS) for Q4FY25 was ₹13.20, indicating a 5.0% decrease from the previous quarter's EPS of ₹13.90. Nonetheless, there was a 20.0% increase when compared to the EPS of ₹11.00 in Q4FY24. These metrics reflect the company's operational dynamics, with expenses rising both quarterly and annually, while the earnings metrics depict a mixed trend with annual growth in EPS despite a quarterly decline.
