Posted on April 30, 2025, by Niftynews
The Bajaj Finance and Bajaj Finserv Q4 results for FY25 revealed solid growth numbers, yet both stocks dropped sharply—falling over 5% in a single session. For many retail and institutional investors, this reaction was surprising, especially given the companies’ strong financial performance.
In this post, we break down the results, the reasons behind the decline in Bajaj Finserv share price, and expert analysis on what to do next.
📊 Bajaj Finance and Bajaj Finserv Q4 Results: Financial Highlights
Despite a turbulent market response, the quarterly reports from both companies reflect steady growth:
🔹 Bajaj Finance Q4 FY25 Performance
- Net Profit: ₹3,940 crore (16% YoY growth)
- Total Income: ₹15,808 crore vs. ₹12,764 crore in Q4 FY24
- Net Interest Income (NII): ₹8,013 crore (28% increase)
- Assets Under Management (AUM): ₹3.31 lakh crore (34% growth)
- Gross/Net NPA: Improved to 0.85% / 0.37%
This growth has made Bajaj Finance one of the top performers in the NBFC sector—but not without concerns. As recent Bajaj Finance news shows, investors are worried about whether these strong fundamentals can continue to justify the high valuation.
🔹 Bajaj Finserv Q4 FY25 Performance
- Consolidated Net Profit: ₹2,417 crore (14% YoY increase)
- Total Income: ₹35,596 crore vs. ₹32,042 crore YoY
As the holding company for Bajaj Finance, Bajaj Allianz Life, and Bajaj Allianz General Insurance, Bajaj Finserv continues to benefit from a diverse financial portfolio.
📉 Why Did Bajaj Finserv Share Price and Bajaj Finance Stock Fall?
After the Q4 earnings were released:
- Bajaj Finance stock dropped by 5.8%, hitting ₹8,560
- Bajaj Finserv share price fell 6.6% to ₹1,927.60
This selloff surprised many, considering the strong figures. However, analysts pointed to valuation pressure, profit booking, and the absence of near-term re-rating triggers as key reasons.
🧠 What Analysts Are Saying About Bajaj Finserv and Bajaj Finance
Motilal Oswal on Bajaj Finance
According to Motilal Oswal Financial Services:
“The stock trades at 4.1x FY27E P/B. While earnings growth remains strong, upside is limited at current valuations. We maintain a Neutral rating with a target price of ₹10,000.”
Their view reflects a broader sentiment that the company, though fundamentally strong, may already be priced for perfection.
Lakshmishree Investments on Bajaj Finserv Share Price
Anshul Jain, Head of Research at Lakshmishree Investments, sees recent movements in Bajaj Finserv shares as a bullish opportunity:
“The stock recently broke out of a 175-week VCP pattern. The current decline seems like a low-volume retest of the ₹1,900 zone. As long as this holds, we expect a rebound toward ₹2,200.”
This suggests the dip in Bajaj Finserv share price could be temporary, offering a potential entry point for long-term investors.
Angel One on Bajaj Finance
Technical expert Rajesh Bhosale from Angel One said:
“Bajaj Finance stock slipped below its 20DEMA and may test ₹8,400 next. Resistance is likely near ₹9,000 from a recent gap.”
🔍 Investor Outlook: Hold, Buy or Sell?
✅ Long-Term View
- Bajaj Finance remains one of the most profitable NBFCs with strong fundamentals.
- Bajaj Finserv, backed by a diversified business model, continues to offer growth stability.
⚠️ Short-Term Strategy
- Wait for Bajaj Finserv share price to hold above ₹1,900 before entering fresh longs.
- Bajaj Finance could see further weakness if ₹8,400 doesn’t hold.
💡 Balanced Approach
- Trim profits if you’re sitting on gains, particularly in Bajaj Finance.
- Consider adding Bajaj Finserv shares during dips for long-term positions, especially if you’re bullish on its insurance and lending segments.
🔄 What Else is Moving? HPCL in Focus
Outside the financial services space, HPCL has also caught investor attention. With oil prices fluctuating and refining margins improving, HPCL stock has seen increased trading volumes. For investors looking to diversify during volatility in NBFCs like Bajaj Finance, HPCL offers a defensive alternative.
🧾 Final Verdict on Bajaj Finance and Bajaj Finserv Q4 Results
The Bajaj Finance and Bajaj Finserv Q4 results have once again proven the companies’ financial resilience. But stock prices don’t always mirror earnings performance—especially when valuations are stretched.
If you’re a long-term investor, these dips might be buying opportunities. If you’re focused on the short term, technical levels and broader market cues should guide your next move.
Stay informed, manage risk, and focus on fundamentals over short-term volatility.
