Bajaj Finance Fires on All Cylinders: Stellar Q4 Results, Double Dividend Delight, Share Split, and Bold FY26 Growth Targets

Image Source: The Financial Express

Bajaj Finance Limited has reported strong financial results for the fourth quarter and full year ended March 2025, alongside unveiling a series of strategic initiatives and leadership changes aimed at sustaining its growth momentum into FY26.

Key Financial Highlights:

Q4 FY25 Net Profit: ₹4,546 crore, up 19% year-on-year, surpassing analyst estimates.
Q4 FY25 Consolidated Interest Income: ₹163.59 billion.
FY25 Net Profit: ₹16,779 crore, a 16% increase over the previous year.
Assets Under Management (AUM): Grew 26% year-on-year to ₹4.16 trillion as of March 2025.

Customer Franchise: Expanded to 101.82 million, with 4.7 million new customers added in Q4 alone.

FY26 Guidance and Strategic Outlook:

Asset Quality: The company estimates that Gross and Net Non-Performing Assets (GNPA, NNPA) for FY26 will remain lower than its long-term guidance, reflecting robust risk management.
Net Interest Margin (NIM): Expected to remain stable in FY26.
Customer Acquisition: Bajaj Finance remains confident of adding 14–16 million new customers in FY26.
AUM Growth: Projected at 24–25% for FY26, supported by new business lines launched over the past 2–3 years.

Capital Actions and Shareholder Rewards:

Special Dividend: ₹12 per share.
Final Dividend: ₹44 per share (face value ₹2 each).
Bonus Shares: Approved in a 4:1 ratio.
Share Split: Approved in a 1:2 ratio.

Leadership Elevation:

The company has elevated Manish Jain, Sidhant Dadwal, and Harjeet Toor as Deputy Chief Executive Officers. They will oversee additional business lines and assist Managing Director Anup Kumar Saha in achieving the company’s strategic objectives.

Management Commentary:

Bajaj Finance’s leadership expressed confidence in sustaining high growth and profitability, leveraging its expanding customer base, new business verticals, and prudent risk controls. The company’s continued focus on innovation and digital transformation is expected to underpin its ambitious targets for FY26.

Source: Business Standard