Bajaj Finance - Public Comps and Valuation Multiples

Bajaj Finance Overview

About Bajaj Finance

Bajaj Finance Ltd is the holding company for various financial services businesses under the Bajaj Group, which operates in India. The company is an NBFC in India offering payments, partnerships, services, and lending solutions to customers. The company's model is focused on the acquisition of customers and offering multiple loans and services on a cross-sell basis to meet their financial service needs. The company provides discretionary spending across consumer electronics, furniture, and digital products in India. The company's strategies and structure are closely aligned with those of commercial banks in India. All of its revenue is generated from India.

Founded

1987

HQ

Employees

61.3K+

Website

aboutbajajfinserv.com

Sectors

Lending Solutions
FinTech

Financials

LTM Revenue $5.6B

LTM EBITDA $2.8B

EV

$98.5B

Valuation Multiples

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Bajaj Finance Financials

As of August 2025, Bajaj Finance reported last 12-month revenue of $5.6B and EBITDA of $2.8B.

In the same period, Bajaj Finance achieved $2.1B in LTM net income.

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Bajaj Finance P&L

In the most recent fiscal year, Bajaj Finance reported revenue of $4.8B.

Bajaj Finance expects next 12-month revenue of XXX and NTM EBITDA of XXX

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	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue	$5.6B	XXX	$4.8B	XXX	XXX	XXX
Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
Gross Margin	n/a	XXX	n/a	XXX	XXX	XXX
EBITDA	$2.8B	XXX	n/a	XXX	XXX	XXX
EBITDA Margin	50%	XXX	n/a	XXX	XXX	XXX
EBIT	$3.8B	XXX	n/a	XXX	XXX	XXX
EBIT Margin	67%	XXX	n/a	XXX	XXX	XXX
Net Profit	$2.1B	XXX	$1.9B	XXX	XXX	XXX
Net Margin	38%	XXX	39%	XXX	XXX	XXX
Net Debt	XXX	XXX	$29.7B	XXX	XXX	XXX

Financial data powered by Morningstar, Inc.

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Financial performance metrics for Bajaj Finance including revenue, profitability, and margin analysis across different time periods. The company reported last twelve months revenue of $5.6B. EBITDA for the last twelve months was $2.8B.
Financial Metric	Last Twelve Months (LTM)	Next Twelve Months (NTM)	Most Recent Fiscal Year	Current Fiscal Year (2025)	Next Fiscal Year (2026)	Two Years Forward (2027)
Total Revenue	$5.6B	Analyst estimates available to subscribers	$4.8B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit	n/a	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Gross Profit Margin	n/a	Analyst estimates available to subscribers	NaN% gross profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA (Earnings Before Interest, Taxes, Depreciation, Amortization)	$2.8B	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBITDA Margin	50.3% EBITDA margin	Analyst estimates available to subscribers	NaN% EBITDA margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT (Earnings Before Interest and Taxes)	$3.8B	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
EBIT Margin	67.0% EBIT margin	Analyst estimates available to subscribers	n/a	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Income (Net Profit)	$2.1B	Analyst estimates available to subscribers	$1.9B	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Profit Margin	37.7% net profit margin	Analyst estimates available to subscribers	39.3% net profit margin	Analyst estimates available to subscribers	Analyst estimates available to subscribers	Analyst estimates available to subscribers
Net Debt Position	Detailed debt information available to subscribers	Detailed debt information available to subscribers	$29.7B	Detailed debt information available to subscribers	Detailed debt information available to subscribers	Detailed debt information available to subscribers

Financial Performance Summary for Bajaj Finance

This financial data table provides comprehensive performance metrics for Bajaj Finance, a company based in India. The metrics include revenue, profitability measures, and operational efficiency indicators across multiple time periods.

Recent Performance Highlights

Bajaj Finance generated $5.6B in revenue over the last twelve months.
The company achieved $2.8B in EBITDA over the last twelve months.
Net income over the last twelve months reached $2.1B.

Fiscal Year Performance

In the most recent fiscal year, Bajaj Finance reported $4.8B in total revenue.
The company maintained a gross profit margin of NaN% in the most recent fiscal year.
EBITDA margin for the fiscal year was NaN%.
Net profit margin reached 39.3% in the most recent fiscal year.

This financial data is sourced from Morningstar, Inc. and represents the most recent available information for Bajaj Finance. Forward-looking estimates and detailed financial projections are available through our premium subscription service.

Bajaj Finance Stock Performance

Bajaj Finance has current market cap of INR 6.16T (or $69.4B), and EV of INR 8.75T (or $98.5B).

Market Cap Evolution

Bajaj Finance Stock Data

As of September 30, 2025, Bajaj Finance's stock price is INR 991 (or $11).

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EV	Market Cap	Price 1D	Price 1M	Price 3M	Price 12M	EPS
$98.5B	$69.4B	XXX	XXX	XXX	XXX	$0.34

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Bajaj Finance Valuation Multiples

Bajaj Finance's trades at 21.7x EV/Revenue multiple, and n/a EV/EBITDA.

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Bajaj Finance Financial Valuation Multiples

As of September 30, 2025, Bajaj Finance has market cap of $69.4B and EV of $98.5B.

Equity research analysts estimate Bajaj Finance's 2025E EV/Revenue multiple at XXX and 2025E EV/EBITDA multiple at XXX

Bajaj Finance has a P/E ratio of 32.7x.

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Market cap (current)	$69.4B	XXX	$69.4B	XXX	XXX	XXX
EV (current)	$98.5B	XXX	$98.5B	XXX	XXX	XXX
EV/Revenue	17.5x	XXX	21.7x	XXX	XXX	XXX
EV/EBITDA	34.7x	XXX	n/a	XXX	XXX	XXX
EV/EBIT	26.1x	XXX	n/a	XXX	XXX	XXX
EV/Gross Profit	n/a	XXX	n/a	XXX	XXX	XXX
P/E	32.7x	XXX	38.3x	XXX	XXX	XXX
EV/FCF	n/a	XXX	-12.4x	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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Bajaj Finance Margins & Growth Rates

Bajaj Finance's last 12 month revenue growth is 23%

Bajaj Finance's revenue per employee in the last FY averaged $0.1M, while opex per employee averaged $23K for the same period.

Bajaj Finance's rule of 40 is unknown (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).

Bajaj Finance's rule of X is 108% (created by Bessemer, rule of X is another metric relevant for SaaS companies only, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).

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Bajaj Finance Operational Valuation Multiples

	LTM	NTM	Last FY	FY 2025	FY 2026	FY 2027
Revenue Growth	23%	XXX	27%	XXX	XXX	XXX
EBITDA Margin	50%	XXX	n/a	XXX	XXX	XXX
EBITDA Growth	27%	XXX	n/a	XXX	XXX	XXX
Rule of 40	n/a	XXX	n/a	XXX	XXX	XXX
Bessemer Rule of X	XXX	XXX	108%	XXX	XXX	XXX
Revenue per Employee	XXX	XXX	$0.1M	XXX	XXX	XXX
Opex per Employee	XXX	XXX	$23K	XXX	XXX	XXX
S&M Expenses to Revenue	XXX	XXX	1%	XXX	XXX	XXX
G&A Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
R&D Expenses to Revenue	XXX	XXX	n/a	XXX	XXX	XXX
Opex to Revenue	XXX	XXX	29%	XXX	XXX	XXX

Valuation data powered by FactSet, Inc. and Morningstar, Inc.

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