Bajaj Finance on July 24 reported 22% jump in consolidated net profit at Rs 4,765 crore for the quarter ended June 30, 2025, helped by healthy loan growth. It reported consolidated net profit of Rs 3,912 crore in the year-ago period.
Q1 FY26 Performance Highlights
- Net Profit: ₹4,765 crore, up 22% YoY
- Revenue from Operations: ₹19,524 crore, up 21% YoY
- Net Interest Income (NII): ₹10,227 crore, up 22% YoY
- Assets Under Management (AUM): ₹4.41 lakh crore, up 25% YoY
- New Loans Booked: 13.49 million, up 23% YoY
- Customer Franchise: 106.5 million, up 21% YoY
Key Announcements
- Customer base grew to 7.34 crore from 6.91 crore YoY.
Deposits Book grew 15% YoY to ₹72,109 crore, but the company plans to reduce reliance on deposits to optimize cost of funds - Digital Transformation: Further investments in app experience and fintech integrations
- Credit Actions taken in MSME and 2/3-wheeler segments due to elevated credit costs
Retail Investor Takeaways
- Strong Growth Story: Bajaj Finance continues to deliver double-digit growth across profit, income, and AUM — a sign of operational robustness.
- Watch Asset Quality: Gross NPA rose to 1.03% from 0.86% YoY; MSME and vehicle loans are under pressure2
- Stock Reaction: Shares dipped ~1.2% post-results, likely due to asset quality concerns and MD resignation3
- Digital Lending Expansion: Microfinance and digital platforms are scaling — a signal of future growth levers.
- Valuation Sensitivity: Some analysts feel the stock is richly valued; retail investors should weigh growth vs. valuation.
- Steady AUM and borrower base growth reflect strong fundamentals.
- Concerns on Slower profit growth may limit near-term upside.
Also Check : https://www.screener.in/company/BAJFINANCE/consolidated/#profit-loss
Stock Closed at CMP 958