J. A. Finance [JAFINANCE] vs Bajaj Finance [BAJFINANCE] Detailed Stock Comparison

J. A. Finance Ltd.

BSE
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Bajaj Finance Ltd.

NSE
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TLDR: Quick Comparison Summary

Based on 20 vital metrics comparison: J. A. Finance Ltd. wins in 3 metrics, Bajaj Finance Ltd. wins in 12 metrics, with 1 ties. Bajaj Finance Ltd. appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric J. A. Finance Ltd. Bajaj Finance Ltd. Better
P/E Ratio (TTM) 144.66 31.69 Bajaj Finance Ltd.
Price-to-Book Ratio 4.90 5.53 J. A. Finance Ltd.
Debt-to-Equity Ratio 0.00 310.29 Tie
PEG Ratio -1.18 54.50 Bajaj Finance Ltd.
EV/EBITDA 86.41 N/A N/A
Profit Margin (TTM) 57.27% 43.68% J. A. Finance Ltd.
Operating Margin (TTM) 48.75% 55.55% Bajaj Finance Ltd.
EBITDA Margin (TTM) 48.75% 55.55% Bajaj Finance Ltd.
Return on Equity -0.21% 16.82% Bajaj Finance Ltd.
Return on Assets (TTM) -0.17% 3.57% Bajaj Finance Ltd.
Free Cash Flow (TTM) $-11.10M $-692.36B J. A. Finance Ltd.
Dividend Yield N/A 10.01% N/A
1-Year Return -41.23% -1.07% Bajaj Finance Ltd.
Price-to-Sales Ratio (TTM) 40.27 13.83 Bajaj Finance Ltd.
Enterprise Value $954.08M $8,982.32B Bajaj Finance Ltd.
EV/Revenue Ratio 42.01 21.76 Bajaj Finance Ltd.
Gross Profit Margin (TTM) 28.68% N/A N/A
Revenue per Share (TTM) $2 $66 Bajaj Finance Ltd.
Earnings per Share (Diluted) $-0.40 $28.98 Bajaj Finance Ltd.
Beta (Stock Volatility) N/A 0.31 N/A

J. A. Finance Ltd. vs Bajaj Finance Ltd. Stock Performance Analysis

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JAFINANCE
BAJFINANCE

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
J. A. Finance Ltd.0.49%-0.02%1.13%-3.53%61.43%52.21%
Bajaj Finance Ltd.-0.27%-5.84%-7.72%-7.23%-14.16%-9.90%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
J. A. Finance Ltd.-41.23%124.51%177.18%177.18%177.18%177.18%
Bajaj Finance Ltd.-1.07%29.31%51.54%1,049.68%14,862.93%23,552.34%

Performance & Financial Health Analysis: J. A. Finance Ltd. vs Bajaj Finance Ltd.

MetricJAFINANCEBAJFINANCE
Market Information
Market Cap i₹914.51M₹5.71T
Market Cap CategorySmall capLarge cap
10 Day Avg. Volume i3118,128,781
90 Day Avg. Volume i59811,082,959
Last Close₹87.98₹874.40
52 Week Range₹50.35 - ₹143.99₹787.90 - ₹1,102.50
% from 52W High-38.90%-20.69%
All-Time High₹178.55 (May 19, 2025)₹9,788.00 (Jun 09, 2025)
% from All-Time High-50.73%-91.07%
Growth Metrics
Quarterly Revenue Growth-0.32%0.06%
Quarterly Earnings Growth-0.04%-0.06%
Financial Health
Profit Margin (TTM) i0.57%0.44%
Operating Margin (TTM) i0.49%0.56%
Return on Equity (TTM) i0.00%0.17%
Debt to Equity (MRQ) i0.00310.29
Cash & Liquidity
Book Value per Share (MRQ)₹17.52₹166.19
Cash per Share (MRQ)N/A₹20.60
Operating Cash Flow (TTM) i₹1.81M₹-147,267,100,000
Levered Free Cash Flow (TTM) i₹-414,000₹166.38B
Dividends
Last 12-Month Dividend Yield iN/A10.01%
Last 12-Month Dividend iN/A₹92.00

Valuation & Enterprise Metrics Analysis: J. A. Finance Ltd. vs Bajaj Finance Ltd.

MetricJAFINANCE (Apr 24, 2026)BAJFINANCE (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i144.6631.69
Forward P/E iN/A22.75
PEG Ratio i-1.1854.50
Price to Sales (TTM) i40.2713.83
Price to Book (MRQ) i4.905.53
Market Capitalization
Market Capitalization i₹914.51M₹5.71T
Enterprise Value i₹954.08M₹8.98T
Enterprise Value Metrics
Enterprise to Revenue i42.0121.76
Enterprise to EBITDA i86.41N/A
Risk & Other Metrics
Beta iN/A0.31
Book Value per Share (MRQ) i₹17.52₹166.19

Financial Statements Comparison: J. A. Finance Ltd. vs Bajaj Finance Ltd.

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricJAFINANCE (2025)BAJFINANCE (2025)
Revenue/Sales i22.71M423.56B
Cost of Goods Sold i9.70MN/A
COGS % of Revenue i42.7%0.0%
Gross Profit i13.01MN/A
Gross Margin i57.3%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) i10.98MN/A
Operating Margin i48.3%0.0%
EBITDA i11.04MN/A
EBITDA Margin i48.6%0.0%
Pre-Tax Income i11.07M220.80B
Pre-Tax Income % of Revenue i48.7%52.1%
Income Tax i11.49M53.00B
Income Tax % of Revenue i50.6%12.5%
Net Income (Profit) i-414,000167.79B
Profit Margin i-1.8%39.6%

Balance Sheet & Liquidity Metrics

MetricJAFINANCE (2025)BAJFINANCE (2025)
Cash & Equivalents i64,000107.68B
Total Current Assets i56.29MN/A
Total Current Assets % of Revenue i247.8%0.0%
Total Current Liabilities i28.87MN/A
Total Current Liabilities % of Revenue i127.1%0.0%
Long-Term Debt i11.63M2.75T
Long-Term Debt % of Revenue i51.2%650.1%
Total Shareholders Equity i200.49M989.37B
Retained Earnings i30.35M517.83B
Retained Earnings % of Revenue i133.6%122.3%
Property, Plant & Equipment i17,0005.52B

Cash Flow Statement Comparison

MetricJAFINANCE (2025)BAJFINANCE (2025)
Operating Cash Flow i1.81M-147.27B
Operating Cash Flow % of Revenue i8.0%-34.8%
Capital Expenditures iN/A-5.48B
Free Cash Flow i-11.10M-692.36B
FCF Margin i-48.9%-163.5%
Debt Repayment i-31.24M-390.27B
Common Stock Repurchase iN/AN/A

Short Interest & Institutional Ownership Analysis

MetricJAFINANCEBAJFINANCE
Shares Short iN/AN/A
Short Ratio iN/AN/A
Short % of Float iN/AN/A
Shares Outstanding i10.65M6.22B
Float Shares iN/A2.65B
% Held by Insiders i79.76%56.26%
% Held by Institutions i0.00%24.14%
% Held by Public i20.24%19.60%

Dividend Analysis & Yield Comparison: J. A. Finance Ltd. vs Bajaj Finance Ltd.

MetricJAFINANCEBAJFINANCE
Last 12-Month Dividend iN/A₹92.00
Last 12-Month Dividend Yield iN/A10.01%
3-Year Avg Annual Dividend iN/A₹47.33
3-Year Avg Dividend Yield iN/A1.22%
3-Year Total Dividends iN/A₹142.00
Ex-Dividend DateN/AMay 30, 2025