On April 30, 2025, shares of Bajaj Finance and Bajaj Finserv experienced a notable decline, each dropping over 5% following the release of their Q4 financial results. The share price for Bajaj Finance dipped by 5.8%, settling at ₹8,560, while Bajaj Finserv saw a sharper decline of 6.6%, closing at ₹1,927.60 on the Bombay Stock Exchange (BSE).
Strong Financial Performance Amidst Stock Decline
Despite the drop in stock prices, Bajaj Finance reported a commendable 16% increase in its standalone net profit, reaching ₹3,940 crore for the quarter ending March 2025, compared to ₹3,402 crore in the same period last year. The company’s total income for the January-March 2024-25 quarter soared to ₹15,808 crore, a substantial rise from ₹12,764 crore in the previous year.
- Net Profit Q4 FY25: ₹3,940 crore
- Total Income Q4 FY25: ₹15,808 crore
- Previous Year Net Profit: ₹3,402 crore
- Previous Year Total Income: ₹12,764 crore
Analyst Insights on Bajaj Finance and Bajaj Finserv
In its analysis, Motilal Oswal Financial Services highlighted the robust performance of Bajaj Finance, noting significant growth in its Assets Under Management (AUM). Although the company faced a rise in credit costs due to updates in its Expected Credit Loss (ECL) model, there was a marked improvement in asset quality. Looking ahead, Bajaj Finance aims to enhance growth in its unsecured lending segments for the next financial year (FY26).
“The stock is currently trading at 4.1x FY27E. With a healthy CAGR of ~25% in profits from FY25 to FY27 and expected Return on Assets (RoA) and Return on Equity (RoE) of 4.1% and 21% respectively by FY27, we maintain a Neutral rating on the stock, targeting a price of ₹10,000,” noted the brokerage.
Bajaj Finserv’s Steady Growth
Meanwhile, Bajaj Finserv reported a 14% growth in its consolidated net profit, reaching ₹2,417 crore for the fourth quarter ending March 2025, up from ₹2,119 crore in the same quarter of the previous fiscal year. The total consolidated income for this period climbed to ₹35,596 crore, compared to ₹32,042 crore in the corresponding quarter last year.
Market Strategies for Bajaj Finance and Bajaj Finserv Shares
Rajesh Bhosale, an Equity Technical and Derivative Analyst at Angel One, observed that Bajaj Finance shares opened lower and dropped over 4%. “Today’s decline has pushed prices below the short-term moving average of 20DEMA, indicating potential further decreases toward ₹8,400. The previous gap at ₹9,000 now serves as immediate resistance,” he explained.
In contrast, Anshul Jain, Head of Research at Lakshmishree Investments, noted that Bajaj Finserv shares broke out of a 175-week VCP pattern in March, indicating a significant structural shift. “The current decline seems to be a low-volume retest of the breakout zone near ₹1,900, reinforcing the potential for a bullish continuation. As long as the stock holds above ₹1,900, it is likely to see a bounce back towards ₹2,200 in the near term,” Jain added.
Conclusion
In summary, while Bajaj Finance and Bajaj Finserv stocks faced declines in the wake of their Q4 results, both companies demonstrated strong financial performance. Analysts suggest that this dip could present a buying opportunity, especially for Bajaj Finserv, which is positioned for potential upward movement in the coming sessions. For further insights and updates on the financial markets, consider exploring more resources on financial analysis and investment strategies.
