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Bajaj Finance Limited Q2 FY26 results deck summary

NSE: BAJFINANCE · BSE: 500034

Results deck of 10 Nov 2025, summarised by AI from the filing.

AUM grew 24% to ₹462,261 cr as of 30 September 2025, with ₹20,811 cr added in Q2 FY26.

Key takeaways

  1. AUM growth AUM grew 24% to ₹462,261 cr as of 30 September 2025, with ₹20,811 cr added in Q2 FY26.
  2. Credit cost Credit cost remained elevated in captive 2 & 3-wheeler and MSME businesses; MSME AUM growth guided at 10-12% in FY26.
  3. Festive season Record 6.3 MM consumer loans disbursed during Navratri to Diwali, +27% in volume and +29% in value.
  4. Consumer leverage Consumer leverage remains an area of concern; company continues actions to reduce contribution of customers with multiple loans.

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.