Conference Call with Bajaj Finance Ltd. Management and Analysts on Q4FY26 & Full Year Performance and Outlook. Listen to the full earnings transcript.
Finance company Bajaj Finance announced Q4FY26 & FY26 results Q4FY26 Standalone Financial Highlights: Total income for Q4FY26 stood at Rs 18,430.64 crore, representing a growth of 3.14% QoQ from Rs 17,870.10 crore and 17.77% YoY from Rs 15,649.91 crore. Profit after tax was Rs 4,839.50 crore, up 5.65% QoQ compared to Rs 4,580.52 crore and up 22.82% YoY compared to Rs 3,940.44 crore. Earnings per share (Basic) for the quarter was Rs 7.78, a growth of 5.56% QoQ from Rs 7.37 and 22.33% YoY from Rs 6.36. Earnings per share (Diluted) stood at Rs 7.76, up 5.58% QoQ and 22.20% YoY. Q4FY26 Consolidated Financial Highlights: Total income for Q4 FY26 was Rs 21,606.50 crore, up 2.82% QoQ from Rs 21,014.18 crore and 18.03% YoY from Rs 18,306.34 crore. Profit after tax reached Rs 5,553.30 crore, showing a significant growth of 36.58% QoQ from Rs 4,066.01 crore and 22.17% YoY from Rs 4,545.57 crore. Earnings per share (Basic) was Rs 8.79, up 37.34% QoQ from Rs 6.40 and 21.41% YoY from Rs 7.24. Earnings per share (Diluted) stood at Rs 8.76, an increase of 37.30% QoQ and 21.33% YoY. FY26 Standalone Financial Highlights: Total income for the year ended 31 March 2026 was Rs 69,853.95 crore, a growth of 19.28% YoY from Rs 58,563.67 crore. Profit after tax stood at Rs 17,803.87 crore, up 6.86% YoY compared to Rs 16,661.50 crore. Earnings per share (Basic) for the full year was Rs 28.65, representing a growth of 6.39% YoY from Rs 26.93. Net cash used in operating activities was Rs (40,853.78) crore for FY26, compared to Rs (50,632.63) crore in FY25. Net cash used in investing activities was Rs (1,146.28) crore for FY26. Net cash generated from financing activities was Rs 40,259.53 crore for FY26. FY26 Consolidated Financial Highlights: Total income for FY26 reached Rs 81,989.50 crore, growing 19.09% YoY from Rs 68,846.98 crore. Profit after tax was Rs 19,332.36 crore, a growth of 15.21% YoY from Rs 16,779.48 crore. Earnings per share (Basic) was Rs 30.60, up 13.79% YoY from Rs 26.89. Dividend: The Board has recommended a final dividend of Rs 6 per share (600%) of face value of Re 1 each for FY26. This includes a special payout of Rs 0.60 per equity share out of the exceptional gain on sale of BHFL shares. Net cash used in operating activities was Rs (65,789.80) crore for FY26. Net cash used in investing activities was Rs (3,388.63) crore for FY26. Net cash generated from financing activities was Rs 67,432.87 crore for FY26. Business Highlights: Assets Under Management (AUM): Consolidated AUM crossed a milestone of Rs 5 lakh crore and stood at Rs 5,09,975 crore as of 31 March 2026, a growth of 22% YoY. New Loans: The number of new loans booked crossed a milestone of 50 million in FY26, reaching 52.45 million as against 43.42 million in FY25. Customer Franchise: Stood at 119.33 million as of 31 March 2026, compared to 101.82 million as of 31 March 2025, a growth of 17% YoY. Net Interest Income (NII): Increased by 21% in FY26 to Rs 44,110 crore from Rs 36,394 crore in FY25. Subsidiaries: Bajaj Housing Finance Limited (BHFL): AUM grew by 23% to Rs 1,40,706 crore as of 31 March 2026. Profit after tax for FY26 was Rs 2,560 crore, up 18% YoY. Bajaj Financial Securities Limited (BFinsec): Customer franchise stood at approximately 1,378,000 as of 31 March 2026. Profit after tax for FY26 was Rs 203 crore, up 46% YoY. Capital Adequacy: Consolidated CRAR (including Tier-II capital) as of 31 March 2026 was 21.55%. Credit Rating: The company continues to enjoy the highest credit rating of AAA/Stable from CRISIL, ICRA, CARE, and India Ratings for its long-term debt programme. Result PDF