Bajaj Finance (BOM:500034) LT-Debt-to-Total-Asset: 0.63 (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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BOM:500034 Bajaj Finance Ltd BOM:500034
66 GF Score
Price ₹1,021.50
GF Value ₹1,151.26
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Bajaj Finance LT-Debt-to-Total-Asset?

Bajaj Finance BOM:500034 +1.49% 66 LT-Debt-to-Total-Asset is 0.63 as of Mar. 2026. GuruFocus rates BOM:500034 with a GF Score™ of 66/100 and a GF Value™ of ₹1,151.26 (Modestly Undervalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Bajaj Finance's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.63.

Bajaj Finance's long-term debt to total assets ratio increased from Mar. 2025 (0.59) to Mar. 2026 (0.63). It may suggest that Bajaj Finance is progressively becoming more dependent on debt to grow their business.

Bajaj Finance  (BOM:500034) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Bajaj Finance LT-Debt-to-Total-Asset Related Terms

Bajaj Finance LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Bajaj Finance's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Bajaj Finance Annual Data
Trend Mar17 Mar18 Mar19 Mar20 Mar21 Mar22 Mar23 Mar24 Mar25 Mar26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.63 0.60 0.58 0.59 0.63

Bajaj Finance Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset 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 0.59 0.00 0.64 0.00 0.63
BOM:500034
66GF Score
Bajaj Finance Ltd BOM:500034
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Bajaj Finance LT-Debt-to-Total-Asset Calculation

Bajaj Finance's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (A: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Mar. 2026 )/Total Assets (A: Mar. 2026 )
=3528467.1/5599523.6
=0.63

Bajaj Finance's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=3528467.1/5599523.6
=0.63

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.63 mean?
Bajaj Finance (BOM:500034) has a LT-Debt-to-Total-Asset of 0.63 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bajaj Finance and its competitors.
Is Bajaj Finance's LT-Debt-to-Total-Asset too high?
Bajaj Finance's current LT-Debt-to-Total-Asset is 0.63. Overall, Bajaj Finance has a GF Score™ of 66/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bajaj Finance's LT-Debt-to-Total-Asset compare to V and MA?
Bajaj Finance's LT-Debt-to-Total-Asset of 0.63 can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Credit Services company?
A good LT-Debt-to-Total-Asset depends on the Credit Services industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Bajaj Finance and its competitors. Bajaj Finance's current LT-Debt-to-Total-Asset is 0.63. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bajaj Finance stock overvalued right now?
Based on GuruFocus' analysis, Bajaj Finance (BOM:500034) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹1,151.26, compared to a current price of ₹1,021.50 — trading 11.3% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.63. Bajaj Finance's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Bajaj Finance (BOM:500034), the current LT-Debt-to-Total-Asset is 0.63 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

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

Based on GuruFocus' analysis, Bajaj Finance stock appears to be undervalued. The current stock price of ₹1,021.50 is trading 11.3% below its estimated GF Value™ of ₹1,151.26. GuruFocus considers Bajaj Finance to be Modestly Undervalued.

Key valuation signals for BOM:500034:

  • LT-Debt-to-Total-Asset: 0.63
  • GF Value™: ₹1,151.26 vs. price of ₹1,021.50 (11.3% below fair value)
  • GF Score™: 66/100 with 6 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.
66GF Score

Get the complete analysis for BOM:500034

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

₹1,021.50
Price
₹1,151.26
GF Value