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Bajaj Finserv Limited Q1 FY27 earnings call summary

NSE: BAJAJFINSV · BSE: 532978

Earnings call of 31 Jul 2026, summarised by AI from the filing.

Bajaj Finserv Q1 FY27 consolidated total income grew 19% to ₹42,037 cr and PAT grew 18% to ₹6,297 cr.

Key takeaways

  1. Consolidated results Total income ₹42,037 cr, up 19%; PAT ₹6,297 cr, up 18%.
  2. Guidance Bajaj Finserv Direct to break even in Q3 or Q4 this year; Health in Q3 or Q4 FY2028.
  3. Driver Bajaj Life VNB grew 87% to ₹271 cr on retail protection and group protection growth.
  4. Risk Soft pricing in general insurance market may keep combined ratios elevated.

Original filing on BSE

Bajaj Finserv Limited Q1 FY27 results

As filed: Revenue ₹42,037 cr (+19% year on year), EBITDA ₹17,141 cr (+20% year on year), PAT ₹6,297 cr (+18% year on year), EBITDA margin 40.8% (+38 bps).

The Q1 FY27 score, against the company's own trend, is for premium members.

Earlier results and the share price after them

  • Q4 FY26: Revenue ₹38,494 cr (+5% year on year), EBITDA ₹14,511 cr (+14% year on year), PAT ₹5,226 cr (+10% year on year), EBITDA margin 37.7% (+292 bps). Score 42 of 100, In line with trend. Revenue growth was well below the company's own trend; EBITDA and profit growth were below it. EBITDA margin rose 292 bps year on year. Revenue fell 3% from last quarter. Revenue rose ₹1,899 cr on a year ago, against ₹4,554 cr the year before. Share price after the results: +1.1% in 29 days (Nifty 500: −0.9%).
  • Q3 FY26: Revenue ₹39,708 cr (+24% year on year), EBITDA ₹13,866 cr (+12% year on year), PAT ₹4,368 cr (−1% year on year), EBITDA margin 34.9% (−369 bps). Score 44 of 100, In line with trend. Revenue growth was in line with the company's own trend; EBITDA and profit growth were well below it. EBITDA margin fell 369 bps year on year. Profit fell 8% from last quarter. Revenue rose ₹7,666 cr on a year ago, more than the ₹3,004 cr it added the year before. Share price after the results: −7.1% in 30 days (Nifty 500: −4.1%).
  • Q2 FY26: Revenue ₹37,403 cr (+11% year on year), EBITDA ₹14,050 cr (+14% year on year), PAT ₹4,746 cr (+14% year on year), EBITDA margin 37.6% (+112 bps). Score 44 of 100, In line with trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was below it. EBITDA margin rose 112 bps year on year. Profit fell 11% from last quarter. Revenue rose ₹3,699 cr on a year ago, against ₹7,681 cr the year before. Share price after the results: −1.7% in 30 days (Nifty 500: −0.4%).
  • Q1 FY26: Revenue ₹35,439 cr (+13% year on year), EBITDA ₹14,315 cr (+21% year on year), PAT ₹5,329 cr (+27% year on year), EBITDA margin 40.4% (+283 bps). Score 51 of 100, In line with trend. Revenue growth was well below the company's own trend; EBITDA growth was below it; profit growth was well above it. EBITDA margin rose 283 bps year on year. Consolidated profit +27% but standalone -48%. Revenue fell 3% from last quarter. Revenue rose ₹3,959 cr on a year ago, against ₹8,200 cr the year before. Share price after the results: −3.3% in 28 days (Nifty 500: −1.3%).
  • Q4 FY25: Revenue ₹36,595 cr (+14% year on year), EBITDA ₹12,727 cr (+16% year on year), PAT ₹4,756 cr (+16% year on year), EBITDA margin 34.8% (+66 bps). Score 41 of 100, In line with trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was in line with it. EBITDA margin rose 66 bps year on year. Revenue rose ₹4,554 cr on a year ago, against ₹8,416 cr the year before. Share price after the results: −2.7% in 30 days (Nifty 500: +3.4%).
  • Q3 FY25: Revenue ₹32,042 cr (+10% year on year), EBITDA ₹12,373 cr (+19% year on year), PAT ₹4,412 cr (+9% year on year), EBITDA margin 38.6% (+267 bps). Score 39 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin rose 267 bps year on year. Revenue fell 5% from last quarter. Revenue rose ₹3,004 cr on a year ago, against ₹7,283 cr the year before.
  • Q2 FY25: Revenue ₹33,704 cr (+30% year on year), EBITDA ₹12,284 cr (+23% year on year), PAT ₹4,180 cr (+11% year on year), EBITDA margin 36.5% (−179 bps). Score 61 of 100, In line with trend. EBITDA margin fell 179 bps year on year. Not enough history for a trend yet: scored on growth alone.

Past price moves after results do not indicate future moves. Not a recommendation.

Bajaj Finserv Limited earnings call, investor presentation and press release summaries

Figures from the company's filings with NSE and BSE. Not investment advice.