Bajaj Finance (BOM:500034) Debt-to-Equity: (As of Jun. 2026)

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BOM:500034 Bajaj Finance Ltd BOM:500034
77 GF Score
Price ₹1,027.00
GF Value ₹1,063.09
Valuation Fairly Valued
! 5 Warning Signs
View Full Analysis

What is Bajaj Finance Debt-to-Equity?

Bajaj Finance's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹ Mil. Bajaj Finance's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jun. 2026 was ₹ Mil. Bajaj Finance's Total Stockholders Equity for the quarter that ended in Jun. 2026 was ₹ Mil.

A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.

The historical rank and industry rank for Bajaj Finance's Debt-to-Equity or its related term are showing as below:

BOM:500034' s Debt-to-Equity Range Over the Past 10 Years
Min: 2.85   Med: 3.07   Max: 5.15
Current: 3.1

During the past 13 years, the highest Debt-to-Equity Ratio of Bajaj Finance was 5.15. The lowest was 2.85. And the median was 3.07.

BOM:500034's Debt-to-Equity is ranked worse than
71.9% of 459 companies
in the Credit Services industry
Industry Median: 1.21 vs BOM:500034: 3.10

Bajaj Finance  (BOM:500034) Debt-to-Equity Explanation

In the calculation of Debt to Equity, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by Total Stockholders Equity. In some calculations, Total Liabilities is used to for calculation.

Be Aware

Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.

Bajaj Finance Debt-to-Equity Related Terms

Bajaj Finance Debt-to-Equity Historical Data

* Premium members only.

The historical data trend for Bajaj Finance's Debt-to-Equity can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bajaj Finance Debt-to-Equity Chart

Bajaj Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
Debt-to-Equity
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.09 3.18 3.05 2.94 3.14

Bajaj Finance Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Debt-to-Equity Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - 3.10 - 3.14 -

BOM:500034 vs V, MA, AXP: Debt-to-Equity Comparison

For the Credit Services subindustry, Bajaj Finance's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Bajaj Finance Debt-to-Equity vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Bajaj Finance's Debt-to-Equity distribution charts can be found below:

* The bar in red indicates where Bajaj Finance's Debt-to-Equity falls into.


BOM:500034
77GF Score
Bajaj Finance Ltd BOM:500034
Debt-to-Equity is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bajaj Finance Debt-to-Equity Calculation

Debt to Equity measures the financial leverage a company has.

Bajaj Finance's Debt to Equity Ratio for the fiscal year that ended in Mar. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=(1219950.8 + 2458393.1) / 1139990.2
=3.23

Bajaj Finance's Debt to Equity Ratio for the quarter that ended in Jun. 2026 is calculated as

Debt to Equity=Total Debt / Total Stockholders Equity
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / Total Stockholders Equity
=( + ) /
=N/A

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Is Bajaj Finance (BOM:500034) Overvalued in 2026?

Based on GuruFocus' analysis, Bajaj Finance stock appears to be undervalued. The current stock price of ₹1,027.00 is trading 3.4% below its estimated GF Value™ of ₹1,063.09. GuruFocus considers Bajaj Finance to be Fairly Valued.

Key valuation signals for BOM:500034:

  • Debt-to-Equity:
  • GF Value™: ₹1,063.09 vs. price of ₹1,027.00 (3.4% below fair value)
  • GF Score™: 77/100 with 5 warning signs

No single metric tells the full story. See the BOM:500034 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bajaj Finance Business Description

Other Exchanges BAJFINANCE:India
Address Off Pune-Ahmednagar Road, 4th Floor, Bajaj Finserv Corporate Office, Viman Nagar, Pune, MH, IND, 411 014
Bajaj Finance Ltd is the holding company for various financial services businesses under the Bajaj Group, which operates in India. The company is an NBFC in India offering payments, partnerships, services, and lending solutions to customers. The company's model is focused on the acquisition of customers and offering multiple loans and services on a cross-sell basis to meet their financial service needs. The company provides discretionary spending across consumer electronics, furniture, and digital products in India. The company's strategies and structure are closely aligned with those of commercial banks in India. All of its revenue is generated from India.
77GF Score

Get the complete analysis for BOM:500034

Debt-to-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,027.00
Price
₹1,063.09
GF Value