Investors and analysts are keeping a close eye on Bajaj Finance Ltd. today, April 29, 2025, as the non-banking financial giant is set to announce its Q4 FY25 financial results.

Beyond the quarterly earnings, the company could deliver additional surprises, with a potential stock split and bonus issue under consideration. These developments could have significant implications for shareholders in the coming quarters.

Here are five key things you need to know ahead of Bajaj Finance’s crucial announcements:

1. Q4 FY25 Business Update: Robust Growth Across Metrics

Bajaj Finance, known for its aggressive expansion and innovation in consumer finance, has already provided a strong operational update for the March quarter:

• Customer Franchise:
  The company’s customer base expanded to 101.82 million by March 31, 2025, from 83.64 million a year ago. This includes an addition of 4.70 million new customers just in the fourth quarter — a testament to its deepening penetration across urban and semi-urban India.
• New Loans Booked:
  Bajaj Finance booked 10.70 million new loans during Q4 FY25, registering a sharp 36% YoY growth from 7.87 million loans in the same quarter last year.
• Assets Under Management (AUM):
  The company’s AUM reached ₹4,16,750 crore, a strong 26% YoY increase from ₹3,30,615 crore. On a quarter-on-quarter basis, AUM grew by approximately ₹18,700 crore.
• Deposit Book:
  Bajaj Finance’s deposits grew to approximately ₹71,400 crore by March 2025, up 19% from ₹60,151 crore at the end of March 2024.

The numbers underline Bajaj Finance’s growing scale and ability to tap into India’s consumption-led growth story.

2. Key Monitorable: FY26 Guidance

Analysts expect that apart from Q4 results, management commentary on FY26 guidance will be critical for stock direction.

JM Financial’s latest report predicts:

• EPS CAGR (Earnings Per Share Compound Annual Growth Rate): Approximately 25% between FY25 and FY27.
• Average Return on Equity (RoE): Expected to remain strong at 21.3% over FY26-FY27.

Any updates on:

• Loan growth targets
• Asset quality (gross and net NPAs)
• Funding costs
• Profitability expectations

… will be keenly watched during the earnings call.

A positive guidance could set the tone for further upside, while any cautious stance in view of rising interest rates or regulatory tightening could make investors cautious.

3. Leadership Transition: Anup Kumar Saha Takes Over as MD

Another major development at Bajaj Finance is its top-level change:

• Anup Kumar Saha has taken over as the Managing Director from Rajeev Jain as of April 1, 2025.
• Rajeev Jain, credited for Bajaj Finance’s phenomenal growth over the last decade, has now been elevated to the role of Vice Chairman for a three-year term.

Saha, who joined Bajaj Finance in 2017, is widely seen as a steady hand, familiar with the company’s risk appetite, digital initiatives, and expansion strategy.

Market experts, including Morgan Stanley, believe Jain’s continued association will maintain investor confidence and ensure a smooth transition without disruptions to the growth momentum.

4. Stock Split, Bonus Issue, and Dividend in Focus

In addition to financial results, Bajaj Finance’s board will also meet to discuss key shareholder-friendly moves:

• Stock Split:
  A proposal to subdivide the company’s shares with a current face value of ₹2 each is under consideration. This could make the shares more affordable for retail investors and improve liquidity.
• Bonus Issue:
  The board will also deliberate issuing bonus shares, rewarding shareholders and potentially boosting stock sentiment.
• Special Interim Dividend:
  A special dividend could also be announced, reflecting strong profitability and cash generation ability.

Such announcements, if materialized, could fuel further investor interest, making Bajaj Finance stock even more attractive in the near term.

5. Bajaj Finance Stock Performance: Outpacing the Market

Bajaj Finance has delivered stellar returns in 2025 so far:

• Year-to-date (YTD) performance: Up 31%.
• Last six months: Up 29%.
• Past 30 days: Up over 4%.

In contrast:

• NIFTY50 Index: Up only 2.5% YTD, down 0.57% over six months, and up 5% in the past one month.

Clearly, Bajaj Finance has outperformed the broader market by a wide margin, showcasing strong investor faith in its business model, earnings visibility, and leadership.

Moreover, being part of the Bajaj Group — with Bajaj Finserv holding a 52.49% stake — adds another layer of institutional stability to the stock.

Interestingly, Bajaj Finserv will also report its Q4 results today, adding more action for investors tracking the group.

What Investors Should Watch Post-Results

After today’s announcements, key points that could determine the stock’s movement include:

• Actual numbers vs. analyst expectations (especially Net Interest Income and Net Profit).
• Asset quality trends: Any uptick in bad loans will be a red flag.
• Management’s guidance on FY26 targets.
• Details of stock split and bonus issue, if announced.
• Quantum of special dividend, if declared.

If Bajaj Finance delivers on both operational and shareholder return fronts, the stock could witness another leg of rally. However, if guidance turns conservative or valuations appear stretched, a period of consolidation might follow.

Conclusion: Big Day for Bajaj Finance Investors

April 29, 2025, is shaping up to be a landmark day for Bajaj Finance and its shareholders.

With strong Q4 operational updates, potential corporate actions (split, bonus, dividend), and a well-planned leadership transition, the company looks set to maintain its leadership position in India’s NBFC sector.

Investors would do well to track today’s announcements closely — not just for immediate price action, but also to recalibrate their long-term investment strategies in one of India’s most admired financial institutions.

Read more news on niftynews