Bajaj Finance Ltd has posted impressive financial results for the third quarter of FY25. The company demonstrated significant growth in revenue and profitability, reinforcing its strong position in the financial sector.
Sales up by 27%
Bajaj Finance Ltd recorded total sales of Rs. 153,710.20 million in Q3 FY25, marking a 27% increase compared to Rs. 121,026.90 million in Q3 FY24. The company continues to expand its business, leveraging strong consumer demand and financial services.
Other Income Sees a Massive Jump
The company’s other income soared to Rs. 228.90 million from Rs. 18.30 million in the same quarter last year. This sharp increase of 1150.82% reflects improved investment gains and additional revenue streams.
PBIDT Grows by 23%
Bajaj Finance Ltd’s Profit Before Interest, Depreciation, and Tax (PBIDT) rose to Rs. 99,599.10 million from Rs. 80,715.30 million, marking a 23.40% growth. This performance highlights the company’s strong earnings before accounting for interest and depreciation costs.
Interest Expenses Rise by 32%
The company reported an interest expense of Rs. 47,772.90 million, reflecting a 32.03% increase from Rs. 36,183.20 million in Q3 FY24. The rise in interest costs aligns with the company’s growing borrowing and funding activities.
PBDT Climbs by 16%
Profit Before Depreciation and Tax (PBDT) reached Rs. 51,826.20 million, compared to Rs. 44,532.10 million in the same quarter last year. This increase of 16.38% underscores the company’s ability to maintain robust earnings after interest expenses.
Depreciation Costs Increase by 26%
Bajaj Finance Ltd reported depreciation expenses of Rs. 2,045.60 million, a 26.34% rise from Rs. 1,619.10 million. This increase reflects the company’s ongoing investments in technology and infrastructure.
PBT Sees a 16% Increase
The company’s Profit Before Tax (PBT) reached Rs. 49,780.60 million, marking a 16.06% growth from Rs. 42,913.00 million in Q3 FY24. This steady growth highlights the company’s operational efficiency and revenue expansion.
Tax Expenses Grow by 14%
Bajaj Finance Ltd reported a tax expense of Rs. 12,722.50 million, up from Rs. 11,139.10 million last year, reflecting a 14.21% increase. This rise aligns with the company’s growing profitability.
Deferred Tax Shows a Reversal
The company reported a deferred tax reversal of Rs. 161.10 million, compared to an expense of Rs. 169.10 million in Q3 FY24. This change signifies an improvement in long-term tax adjustments.
Net Profit Increases by 16%
Profit After Tax (PAT) stood at Rs. 37,058.10 million, reflecting a 16.63% growth from Rs. 31,773.90 million. This growth reinforces the company’s ability to generate higher earnings for its stakeholders.
Equity Remains Stable
The company’s equity stood at Rs. 1,237.60 million, a slight increase from Rs. 1,235.40 million in Q3 FY24. This stability reflects consistent shareholder value.
PBIDT Margin Slightly Declines
The PBIDT margin stood at 64.80%, showing a slight decrease of 2.84% from 66.69% in Q3 FY24. Despite this minor dip, the company continues to maintain strong operating margins.
Bajaj Finance Q3 FY25 Financial Summary
| Financial Metric | Q3 FY25 | Q3 FY24 | Growth |
|---|---|---|---|
| Sales | ₹153,710.20 million | ₹121,026.90 million | +27% |
| Other Income | ₹228.90 million | ₹18.30 million | +1150.82% |
| PBIDT | ₹99,599.10 million | ₹80,715.30 million | +23.4% |
| Interest Expenses | ₹47,772.90 million | ₹36,183.20 million | +32.03% |
| PBDT | ₹51,826.20 million | ₹44,532.10 million | +16.38% |
| Depreciation Costs | ₹2,045.60 million | ₹1,619.10 million | +26.34% |
| PBT | ₹49,780.60 million | ₹42,913.00 million | +16.06% |
| Tax Expenses | ₹12,722.50 million | ₹11,139.10 million | +14.21% |
| Deferred Tax | ₹161.10 million (Reversal) | ₹169.10 million (Expense) | – |
| PAT | ₹37,058.10 million | ₹31,773.90 million | +16.63% |
| Equity | ₹1,237.60 million | ₹1,235.40 million | +0.18% |
| PBIDT Margin | 64.80% | 66.69% | -2.84% |
The Bottom Line
Bajaj Finance Ltd delivered solid financial results in Q3 FY25, with substantial growth in sales, profits, and revenue streams. The company continues to strengthen its financial performance through strategic expansions, improved earnings, and efficient cost management. As the financial sector evolves, Bajaj Finance remains well-positioned for sustained growth and profitability.
Disclaimer: This blog is for informational purposes only and should not be considered as financial advice or any buy/sell recommendations.
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