Company Profile:
Bajaj Finance Ltd is one of India’s leading Non-Banking Financial Companies (NBFCs) with a massive market capitalization of approx ₹6.63 lakh crore. The company has a strong presence in consumer finance, SME lending, and digital financial services.
Key Financial Metrics:
Revenue (TTM): ₹73,106 crore, exhibiting consistent growth driven by expanding loan books and increased customer base.
Net Profit (TTM): ₹17,600+ crore, showcasing its profitable operations and operational efficiency.
Return on Capital Employed (ROCE): 10.98%, reflecting healthy capital utilization.
Earnings per Share (EPS): ₹28 (TTM), demonstrating strong earnings generation.
Debt Profile: Moderate to high leverage typical for NBFC sector but well-managed with strong collections and asset quality.
Dividend: Consistent dividend pay-outs enhancing investor confidence.
Recent Developments:
Bajaj Finserv is launching new banking and financial services funds targeting sectoral growth.
Prominent leadership changes aimed at enhancing workforce management and strategic execution.
Digital expansion and focus on financial inclusion remain key growth drivers.
Technical Analysis:
Current Price Level: ₹1066.6 (as of Nov 7, 2025)
Trend Indicators:
The stock is trending around its 50-day and 200-day moving averages indicating a consolidation phase.
Relative Strength Index (RSI) is around 43, indicating neither overbought nor oversold conditions.
MACD and Stochastic Oscillator point to cautious momentum with minor selling pressure.
Support zones identified between ₹1020-₹1040, providing a strong entry point for traders.
Resistance lies near ₹1100-₹1125, which might act as a profit booking zone.
Volume: Robust trading volumes suggesting sustained institutional interest and liquidity.
Earnings Preview: Q2 FY26 (To be declared on 10th November 2025):
Expectations of steady revenue and profit growth amid cautiously optimistic market conditions.
Key focus on loan book growth, asset quality, and non-performing assets impact.
Positive results may trigger a short-term rally; however, any signs of stress could lead to volatility.
Trading Strategy & Price Levels:
Short Term: Enter near ₹1020-₹1040 with a stop loss around ₹1000 for risk-averse traders. Look for reaction at resistance ₹1100-1125 for profit booking opportunities.
Long Term: Ideal buy zone below ₹1000, aiming for capital appreciation over 1-3 years with compounding growth and increasing loan penetration.
Broker Recommendations & Market Sentiment:
Overall consensus is bullish to neutral with majority giving “BUY” or “HOLD” ratings.
Target price band ranges between ₹1150 – ₹1250 in the near term.
Caution advised on elevated valuations and interest rate sensitivity amid changing economic variables.
Important Disclaimers:
This report is for educational and informational purposes only and should not be considered as financial advice.
Investors should conduct their own due diligence and consult certified financial advisors before making investment decisions.
Markets involve risks, and past performance is not indicative of future results.
Unauthorized reproduction or redistribution of this report is prohibited.
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