Bajaj Finserv Limited
Bajaj Finserv Ltd., through its subsidiaries, provides financial services in India. The company operates through Life Insurance, General Insurance, Windmill, Retail Financing, and Investments and Others segments. It offers personal, business, home, home renovation, commercial, car, and gold loans; two- and three-wheeler loans; mortgages; education loans; unsecured and secured loans to small and m… Read more
Bajaj Finserv Limited (BAJAJFINSV) - Net Assets
Latest net assets as of September 2025: ₹1.36 Trillion INR
Based on the latest financial reports, Bajaj Finserv Limited (BAJAJFINSV) has net assets worth ₹1.36 Trillion INR as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (₹7.08 Trillion) and total liabilities (₹5.72 Trillion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | ₹1.36 Trillion |
| % of Total Assets | 19.19% |
| Annual Growth Rate | 26.52% |
| 5-Year Change | 120.32% |
| 10-Year Change | 559.48% |
| Growth Volatility | 13.44 |
Bajaj Finserv Limited - Net Assets Trend (2008–2025)
This chart illustrates how Bajaj Finserv Limited's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Bajaj Finserv Limited (2008–2025)
The table below shows the annual net assets of Bajaj Finserv Limited from 2008 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-03-31 | ₹1.28 Trillion | +23.76% |
| 2024-03-31 | ₹1.04 Trillion | +33.74% |
| 2023-03-31 | ₹775.98 Billion | +17.01% |
| 2022-03-31 | ₹663.20 Billion | +13.77% |
| 2021-03-31 | ₹582.94 Billion | +14.61% |
| 2020-03-31 | ₹508.61 Billion | +39.07% |
| 2019-03-31 | ₹365.74 Billion | +13.48% |
| 2018-03-31 | ₹322.30 Billion | +38.02% |
| 2017-03-31 | ₹233.51 Billion | +19.90% |
| 2016-03-31 | ₹194.75 Billion | +27.17% |
| 2015-03-31 | ₹153.15 Billion | +17.47% |
| 2014-03-31 | ₹130.37 Billion | +19.88% |
| 2013-03-31 | ₹108.74 Billion | +48.74% |
| 2012-03-31 | ₹73.11 Billion | +42.15% |
| 2011-03-31 | ₹51.43 Billion | +45.74% |
| 2010-03-31 | ₹35.29 Billion | +45.12% |
| 2009-03-31 | ₹24.32 Billion | +3.21% |
| 2008-03-31 | ₹23.56 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Bajaj Finserv Limited's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 45570270000000.0% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (March 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | ₹455.70 Billion | 62.95% |
| Common Stock | ₹1.60 Billion | 0.22% |
| Other Comprehensive Income | ₹124.16 Billion | 17.15% |
| Other Components | ₹142.50 Billion | 19.68% |
| Total Equity | ₹723.95 Billion | 100.00% |
Bajaj Finserv Limited Competitors by Market Cap
The table below lists competitors of Bajaj Finserv Limited ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Tele2 AB (publ)
ST:TEL2-B
|
$11.57 Billion |
|
IONQ Inc
NYSE:IONQ
|
$11.58 Billion |
|
Ionis Pharmaceuticals Inc
NASDAQ:IONS
|
$11.61 Billion |
|
Samsara Inc
NYSE:IOT
|
$11.61 Billion |
|
Nova Measuring Instruments Ltd
F:NMR
|
$11.55 Billion |
|
Hengtong Optic Electric Co Ltd
SHG:600487
|
$11.55 Billion |
|
ideaForge Technology Limited
NSE:IDEAFORGE
|
$11.54 Billion |
|
Samsung Fire & Marine Insurance
KO:000810
|
$11.53 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bajaj Finserv Limited's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 603,286,400,000 to 723,953,100,000, a change of 120,666,700,000 (20.0%).
- Net income of 88,723,100,000 contributed positively to equity growth.
- Dividend payments of 15,417,100,000 reduced retained earnings.
- Share repurchases of 5,151,000,000 reduced equity.
- New share issuances of 5,151,000,000 increased equity.
- Other comprehensive income increased equity by 27,472,300,000.
- Other factors increased equity by 19,888,400,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | ₹88.72 Billion | +12.26% |
| Dividends Paid | ₹15.42 Billion | -2.13% |
| Share Repurchases | ₹5.15 Billion | -0.71% |
| Share Issuances | ₹5.15 Billion | +0.71% |
| Other Comprehensive Income | ₹27.47 Billion | +3.79% |
| Other Changes | ₹19.89 Billion | +2.75% |
| Total Change | ₹- | 20.00% |
Book Value vs Market Value Analysis
This analysis compares Bajaj Finserv Limited's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 3.94x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has decreased from 141.05x to 3.94x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-03-31 | ₹12.58 | ₹1774.70 | x |
| 2009-03-31 | ₹13.01 | ₹1774.70 | x |
| 2010-03-31 | ₹18.77 | ₹1774.70 | x |
| 2011-03-31 | ₹23.21 | ₹1774.70 | x |
| 2012-03-31 | ₹33.20 | ₹1774.70 | x |
| 2013-03-31 | ₹49.69 | ₹1774.70 | x |
| 2014-03-31 | ₹59.16 | ₹1774.70 | x |
| 2015-03-31 | ₹69.09 | ₹1774.70 | x |
| 2016-03-31 | ₹84.73 | ₹1774.70 | x |
| 2017-03-31 | ₹100.63 | ₹1774.70 | x |
| 2018-03-31 | ₹131.98 | ₹1774.70 | x |
| 2019-03-31 | ₹148.08 | ₹1774.70 | x |
| 2020-03-31 | ₹195.03 | ₹1774.70 | x |
| 2021-03-31 | ₹223.25 | ₹1774.70 | x |
| 2022-03-31 | ₹250.76 | ₹1774.70 | x |
| 2023-03-31 | ₹289.15 | ₹1774.70 | x |
| 2024-03-31 | ₹375.11 | ₹1774.70 | x |
| 2025-03-31 | ₹450.14 | ₹1774.70 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bajaj Finserv Limited utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.26%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 13.12%
- • Asset Turnover: 0.10x
- • Equity Multiplier: 9.01x
- Recent ROE (12.26%) is below the historical average (14.14%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2008 | -1.62% | -31.82% | 0.01x | 8.99x | ₹-2.35 Billion |
| 2009 | 3.42% | 47.81% | 0.01x | 10.79x | ₹-1.37 Billion |
| 2010 | 18.56% | 334.38% | 0.00x | 13.10x | ₹2.58 Billion |
| 2011 | 29.93% | 74.25% | 0.03x | 14.49x | ₹7.42 Billion |
| 2012 | 25.11% | 50.98% | 0.04x | 11.16x | ₹8.05 Billion |
| 2013 | 19.73% | 41.63% | 0.06x | 8.20x | ₹7.76 Billion |
| 2014 | 16.26% | 32.01% | 0.06x | 7.83x | ₹5.95 Billion |
| 2015 | 15.24% | 26.87% | 0.07x | 7.96x | ₹5.81 Billion |
| 2016 | 13.70% | 27.53% | 0.07x | 7.61x | ₹5.03 Billion |
| 2017 | 14.01% | 25.16% | 0.07x | 7.96x | ₹6.47 Billion |
| 2018 | 12.51% | 19.23% | 0.09x | 7.51x | ₹5.32 Billion |
| 2019 | 13.54% | 17.09% | 0.09x | 8.78x | ₹8.42 Billion |
| 2020 | 10.76% | 12.68% | 0.11x | 8.03x | ₹2.39 Billion |
| 2021 | 12.48% | 16.54% | 0.10x | 7.82x | ₹8.87 Billion |
| 2022 | 11.32% | 14.50% | 0.09x | 8.29x | ₹5.32 Billion |
| 2023 | 13.83% | 15.93% | 0.10x | 8.74x | ₹17.77 Billion |
| 2024 | 13.51% | 15.10% | 0.10x | 8.92x | ₹21.15 Billion |
| 2025 | 12.26% | 13.12% | 0.10x | 9.01x | ₹16.33 Billion |
Industry Comparison
This section compares Bajaj Finserv Limited's net assets metrics with peer companies in the Financial Conglomerates industry.
Industry Context
- Industry: Financial Conglomerates
- Average net assets among peers: $55,256,715,128
- Average return on equity (ROE) among peers: 20.32%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bajaj Finserv Limited (BAJAJFINSV) | ₹1.36 Trillion | -1.62% | 4.21x | $11.55 Billion |
| Aditya Birla Capital Limited (ABCAPITAL) | $152.27 Billion | 7.40% | 7.20x | $3.02 Billion |
| ANAND RATHI SH N STK BR L (ARSSBL) | $3.93 Billion | 19.68% | 5.58x | $99.86 Million |
| Centrum Capital Limited (CENTRUM) | $2.92 Billion | 6.76% | 0.40x | $36.54 Million |
| Crest Ventures Limited (CREST) | $2.04 Billion | 4.97% | 1.19x | $28.66 Million |
| DiGiSPICE Technologies Limited (DIGISPICE) | $1.34 Billion | 52.58% | 2.10x | $6.21 Million |
| Edelweiss Financial Services Limited (EDELWEISS) | $7.22 Billion | 15.22% | 0.75x | $693.26 Million |
| IL&FS Investment Managers Limited (IVC) | $1.37 Billion | 54.19% | 0.52x | $12.14 Million |
| Piramal Enterprises Limited (PEL) | $270.96 Billion | 1.79% | 2.50x | $1.53 Billion |