Bajaj Finance's Q4 FY 2025-26 Quarterly Results

Result Summary

• Bajaj Finance Ltd reported a 1.8% quarter-on-quarter (QoQ) increase in its consolidated revenues for the quarter-ended Mar (Q4 FY 2025-26). On a year-on-year (YoY) basis, it witnessed a growth of 17.0%.
• Its expenses for the quarter were up by 2.6% QoQ and 16.2% YoY.
• The net profit increased 36.6% QoQ and increased 22.2% YoY.
• The earnings per share (EPS) of Bajaj Finance Ltd stood at 8.76 during Q4 FY 2025-26.

Financial Statments for Q4 FY 2025-26

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Data Source: BSE, Company announcements The securities quoted are exemplary and are not recommendatory. Past performance is not indicative of future results

Company Overview

Bajaj Finance Ltd is a leading financial services company in India, primarily engaged in the business of lending and wealth advisory. It operates in the financial sector, offering a wide range of financial products and services, including personal loans, home loans, business loans, and credit cards. The company is well-known for its customer-focused approach and innovative digital platforms. Bajaj Finance Ltd has a strong presence in consumer finance, SME finance, and commercial lending, serving millions of customers across the country. As of the latest quarter, there are no major developments reported in the provided data that significantly affect the company's operations or strategy.

Revenue

In the fourth quarter of fiscal year 2026 (Q4FY26), Bajaj Finance Ltd reported a total income of ₹21,606.50 crores. This represents a sequential quarter-over-quarter (QoQ) increase of 1.8% from the ₹21,214.58 crores reported in the third quarter of fiscal year 2026 (Q3FY26). On a year-over-year (YoY) basis, there was a significant increase of 17.0% compared to the total income of ₹18,468.74 crores in the fourth quarter of fiscal year 2025 (Q4FY25). The consistent growth in total income over both QoQ and YoY periods highlights the company's ability to generate higher revenue streams, likely driven by its diverse financial product offerings and expansive customer base.

Profitability

Bajaj Finance Ltd's profitability metrics for Q4FY26 demonstrate substantial growth. The profit before tax (PBT) for the quarter was ₹7,399.63 crores, marking a 36.3% QoQ increase from ₹5,428.89 crores in Q3FY26 and a 31.2% YoY rise from ₹5,638.56 crores in Q4FY25. After accounting for a tax expense of ₹1,856.54 crores, which itself increased by 36.0% QoQ and 68.5% YoY, the company achieved a profit after tax (PAT) of ₹5,553.30 crores. This PAT signifies a 36.6% QoQ growth from ₹4,066.01 crores and a 22.2% YoY improvement from ₹4,545.57 crores. Despite the increased tax liabilities, Bajaj Finance Ltd has maintained robust profitability growth over both comparative periods.

Operating Metrics

One of the key operating metrics, earnings per share (EPS), was reported at ₹8.76 for Q4FY26. This reflects a 37.3% QoQ increase from ₹6.38 in Q3FY26. However, there is a notable YoY decline of 87.9% compared to an EPS of ₹72.18 in Q4FY25. The significant YoY drop in EPS may suggest changes in share issuance or profit distribution policies not detailed in the provided data. Total expenses for Q4FY26 were ₹12,199.35 crores, representing a 2.6% QoQ increase from ₹11,895.02 crores and a 16.2% YoY increase from ₹10,501.24 crores in Q4FY25. The increase in total expenses aligns with the growth in total income, maintaining a balanced cost-to-income structure over the periods analyzed.