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Bajaj Finance Limited Q3 FY26 results deck summary

NSE: BAJFINANCE · BSE: 500034

Results deck of 3 Feb 2026, summarised by AI from the filing.

Accelerated ECL provision of ₹ 1,406 cr and one-time New Labour Codes charge of ₹ 265 cr turned reported PBT and PAT negative YoY.

Key takeaways

  1. Change Accelerated ECL provision of ₹ 1,406 cr and one-time New Labour Codes charge of ₹ 265 cr turned reported PBT and PAT negative YoY.
  2. Driver AUM grew 22% to ₹ 484,477 cr, with new loans booked at 13.90 MM and 4.76 MM customers added in Q3 FY26.
  3. Risk Captive 2W & 3W Finance AUM fell 57% YoY to ₹ 5,542 cr and the portfolio is in rundown.

Original filing on BSE

Bajaj Finance Limited Q1 FY27 results

As filed: Revenue ₹23,165 cr (+19% year on year), EBITDA ₹16,373 cr (+21% year on year), PAT ₹6,081 cr (+28% year on year), EBITDA margin 70.7% (+137 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 ₹21,606 cr (+17% year on year), EBITDA ₹15,053 cr (+21% year on year), PAT ₹5,553 cr (+22% year on year), EBITDA margin 69.7% (+232 bps). Score 63 of 100, In line with trend. Revenue growth was well below the company's own trend; EBITDA growth was in line with it; profit growth was above it. EBITDA margin rose 232 bps year on year. Revenue rose ₹3,149 cr on a year ago, against ₹3,531 cr the year before. Share price after the results: −2.3% in 30 days (Nifty 500: −0.9%).
  • Q3 FY26: Revenue ₹21,214 cr (+18% year on year), EBITDA ₹13,276 cr (+8% year on year), PAT ₹4,066 cr (−6% year on year), EBITDA margin 62.6% (−586 bps). Score 22 of 100, Below trend. Revenue, EBITDA and profit growth were well below the company's own trend. EBITDA margin fell 586 bps year on year. Profit fell 18% from last quarter. Revenue rose ₹3,179 cr on a year ago, against ₹3,874 cr the year before. Share price after the results: −0.2% in 30 days (Nifty 500: −3.2%).
  • Q2 FY26: Revenue ₹20,179 cr (+18% year on year), EBITDA ₹13,872 cr (+18% year on year), PAT ₹4,948 cr (+23% year on year), EBITDA margin 68.7% (−2 bps). Score 53 of 100, In line with trend. Revenue and EBITDA growth were well below the company's own trend; profit growth was above it. EBITDA margin was flat year on year. Consolidated profit +23% but standalone -24%. Revenue rose ₹3,089 cr on a year ago, against ₹3,712 cr the year before. Share price after the results: −6.9% in 30 days (Nifty 500: −0.8%).
  • Q1 FY26: Revenue ₹19,524 cr (+21% year on year), EBITDA ₹13,532 cr (+21% year on year), PAT ₹4,765 cr (+22% year on year), EBITDA margin 69.3% (+9 bps). Score 61 of 100, In line with trend. Revenue growth was well below the company's own trend; EBITDA growth was below it; profit growth was above it. EBITDA margin was flat year on year. Revenue rose ₹3,425 cr on a year ago, against ₹3,601 cr the year before. Share price after the results: −6.7% in 29 days (Nifty 500: −1.3%).
  • Q4 FY25: Revenue ₹18,457 cr (+24% year on year), EBITDA ₹12,431 cr (+18% year on year), PAT ₹4,546 cr (+19% year on year), EBITDA margin 67.4% (−304 bps). Score 43 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 fell 304 bps year on year. Revenue rose ₹3,531 cr on a year ago, against ₹3,566 cr the year before. Share price after the results: +1.2% in 30 days (Nifty 500: +3.4%).
  • Q3 FY25: Revenue ₹18,035 cr (+27% year on year), EBITDA ₹12,344 cr (+24% year on year), PAT ₹4,308 cr (+18% year on year), EBITDA margin 68.4% (−170 bps). Score 50 of 100, In line with trend. Revenue and EBITDA growth were below the company's own trend; profit growth was in line with it. EBITDA margin fell 170 bps year on year. Revenue rose ₹3,874 cr on a year ago, more than the ₹3,377 cr it added the year before.
  • Q2 FY25: Revenue ₹17,090 cr (+28% year on year), EBITDA ₹11,752 cr (+24% year on year), PAT ₹4,014 cr (+13% year on year), EBITDA margin 68.8% (−188 bps). Score 61 of 100, In line with trend. EBITDA margin fell 188 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 Finance Limited earnings call, investor presentation and press release summaries

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