Bajaj Finance in 2025: What Investors Must Know Before Buying

As of 2025, Bajaj Finance continues to be a prominent player in India's non-banking financial sector. However, potential investors should assess the company's recent performance, future growth prospects, and market sentiment before making investment decisions.

Recent Performance

Stock Price: As of September 2025, Bajaj Finance's stock price is ₹894.80, reflecting a modest increase for the day.

Q4 FY24-25 Results: The company reported a 23% year-on-year revenue growth, with a net profit of ₹4,546 crore.

Stock Split & Dividend: In April 2025, Bajaj Finance announced a stock split and declared an interim dividend, signaling confidence in its financial health.

Growth Outlook

Revenue Growth: Analysts forecast a 25.1% annual revenue growth for Bajaj Finance over the next few years.

Earnings Per Share (EPS): EPS is expected to grow at 19.6% per annum, indicating strong profitability.

Return on Equity (ROE): Projected to reach 20.8% in three years, reflecting efficient use of shareholder equity.

Analyst Sentiment

Consensus Rating: The consensus recommendation from analysts is a "Buy."

Price Targets: Analyst price targets range from ₹640 to ₹1,150, with an average target of ₹938, indicating a potential upside of approximately 6–7% from the current price.

Recent Downgrades: Some analysts have downgraded the stock to "Neutral" due to concerns over rising mortgage attrition and weaknesses in certain loan segments.

Risks to Consider

Credit Quality: Concerns over increasing credit costs and potential headwinds in business growth may impact future earnings.

Leadership Succession: Uncertainties regarding leadership changes could affect investor confidence.

Bajaj Finance presents a compelling investment opportunity with strong growth prospects and a solid financial track record. However, potential investors should weigh the associated risks, including credit quality concerns and leadership uncertainties. Conducting thorough due diligence and considering personal investment goals and risk tolerance is essential before making investment decisions.

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