Bajaj Finance, Bajaj Finserv shares slump over 5% following Q4 results: What should investors do?

Bajaj Finance shares and Bajaj Finserv shares declined over 5% each on Wednesday, April 30, after the announcement of Q4 results for the financial year ended March 2025 (FY25). While Bajaj Finance share price fell as much as 5.8% to ₹8,560 apiece, Bajaj Finserv share price tanked 6.6% to ₹1,927.60 apiece on the BSE.

Bajaj Finance, an NBFC, announced a 16% increase in its standalone net profit, reaching ₹3,940 crore for the quarter ending March 2025. This compares to a net profit of ₹3,402 crore for the same timeframe last year. The total income for the January-March period of 2024-25 surged to ₹15,808 crore, up from ₹12,764 crore in the corresponding quarter of the previous year, as stated by Bajaj Finance in a regulatory announcement.

Brokerage firm Motilal Oswal Financial Services, in its analysis, noted that Bajaj Finance achieved a strong performance during the quarter, backed by substantial growth in AUM. Although there was a sequential increase in credit costs due to the refresh of the ECL model, there was a significant enhancement in asset quality. Bajaj Finance plans to boost its growth in unsecured segments in FY26, as the pressure in its B2C segments gradually eases.

“The stock trades at 4.1x FY27E. Despite a healthy PAT CAGR of ~25% over FY25-FY27E and RoA/RoE of 4.1%/21% in FY27E, we see limited upside catalysts given the rich valuations and lack of near-term re-rating triggers. Consequently, we reiterate our Neutral rating on the stock with a TP of ₹10,000,” said the brokerage.

Meanwhile, Bajaj Finserv reported a 14% rise in its consolidated net profit, amounting to ₹2,417 crore for the fourth quarter ending March 2025. The company had recorded a net profit of ₹2,119 crore during the same January-March period of the prior fiscal year. The total consolidated income for the March 2025 quarter increased to ₹35,596 crore, compared to ₹32,042 crore in the corresponding period of the last financial year, as detailed by BFL, the parent company overseeing various financial services within the Bajaj group, in a regulatory filing.

How to trade Bajaj Finance, Bajaj Finserv shares?

Rajesh Bhosale, Equity Technical and Derivative Analyst at Angel One, explained that the Bajaj Finance share price has seen a gap-down opening and is down more than 4%. “With today's fall, prices have slipped below short-term moving average 20DEMA. Going with the momentum, prices may slip further towards 89EMA around ₹8,400, and the bearish gap left around ₹9,000 can now act as immediate resistance,” Bhosale added.

According to Anshul Jain, Head of Research at Lakshmishree Investments, Bajaj Finserv shares broke out of a 175-week-long VCP pattern in March, marking a significant structural shift. “The current downmove appears to be a low-volume retest of the breakout zone near ₹1,900, which strengthens the case for bullish continuation. The structure remains positive, and this dip provides an ideal opportunity to add longs. As long as ₹1,900 holds, the stock is poised for an immediate upside move towards ₹2,200 in the coming sessions,” Jain said.

Disclaimer: The views and recommendations above are those of individual analysts, experts and broking companies, not of Mint. We advise investors to check with certified experts before making any investment decision.