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Bajaj Auto

BAJAJ-AUTO · Recreational Products · INE917I01010

Analyst mean 2.26 · 38 analysts · 58% bullish
₹11,338.00
Close 2026-07-31 · Balanced risk

Reading the Statements forensic interpretation

What the numbers mean when read together — computed from the filings, not a score.

Profit is not turning into cash

Operating cash flow is just 22% of trailing profit — the classic pattern where reported earnings are not backed by cash. This is the single most important thing to understand on this page.

Full read

Operating cash flow ₹2,597 cr against trailing net profit ₹11,553 cr. When profit rises but cash does not follow, the questions are: are receivables ballooning, is revenue being recognised ahead of collection, or are costs being capitalised?

Profit growing with revenue

Both revenue and profit grew over the last year (36.9% and 52.2%) — growth is translating to the bottom line.

Full read

Trailing revenue ₹71,460 cr, trailing profit ₹11,553 cr. Profit growing at least as fast as revenue indicates operating leverage or pricing power.

Net margin compressing

Net margin has narrowed from 16.8% to 14.7% year-on-year — profitability per rupee of sales is shrinking.

Full read

Quarter net margin 14.7% vs 16.8% four quarters earlier. Sustained compression signals pricing pressure, cost inflation, or mix deterioration.

Generates free cash

Free cash flow is positive and consistent — the business funds itself after capex.

Full read

Latest free cash flow ₹1,885 cr. Negative in only 1 of 12 years. A self-funding business needs less external capital and dilutes less.

Borrowing while holding investments

Borrowings rose 1088% over two years while the company also carries ₹24,642 cr in investments. Why borrow at interest while parking money elsewhere is a fair question.

Full read

Borrowings moved to ₹22,713 cr from ₹1,912 cr. Simultaneous large investments can be legitimate treasury management, or a sign that reported cash is not freely available.

Price & Valuation 10-year, split-adjusted

Markers show corporate actions (splits, bonus, dividends). Prices are split-adjusted so the series is continuous.

Valuation & Quality

Valuation
P/E (TTM) 23.1x
P/B 8.19x
P/S 4.37x
PEG 1.24
Dividend Yield 1.32%
Leverage
Debt / Equity moderate 0.58
Payout Ratio 35.7%
Returns & Margins
Operating Margin (TTM) 19.4%
Net Margin (TTM) 16.1%
Return on Equity 24.4%
Implied Growth (Graham) growth the market is pricing in 7.3%
Rule of 40 84.5
Growth 65.1% + Margin 19.4% — passes

Ownership & Skin in the Game

Promoter55.01% ▲ 0.00
FII9.01%
DII
Mutual Funds6.01%

Quarterly Financials ₹ cr

MetricSep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue13,24713,16912,64613,13315,73516,20417,83221,689
Expenses11,17410,41810,28910,34012,90612,47514,75717,161
Other Income3993483925095763591,894688
Depreciation98102119118119119289405
Profit before tax2,2992,8762,4842,9612,9993,6564,3364,423
Net Profit1,3852,1961,8022,2102,1222,7503,4923,189
EPS49.6178.6264.5279.1575.9998.38131.02115.41

Balance Sheet ₹ cr, annual

ItemMar 2021Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Equity Capital289289283279279280
Reserves26,98429,57029,07928,68334,90938,552
Borrowings1211231241,9129,36422,713
Fixed Assets1,6681,8362,8423,2173,67711,961
CWIP16778535611,521
Investments24,68726,63426,18328,08728,91424,642
Total Assets33,60235,11135,13639,34454,11076,914
DISCLAIMER: FinMinutes is a financial data and analytics platform, not a SEBI-registered investment adviser. Everything here is for educational and informational purposes. Forensic interpretations are computed from disclosed data and are not recommendations. Do your own due diligence.