With both companies releasing their Q1 FY25 results, investors are weighing proven stability against disruptive growth. Here’s a detailed breakdown to help you decide which stock aligns better with your strategy.
Financial Performance Snapshot
| Metric | Bajaj Finance | Jio Financial Services |
|---|---|---|
| Net Profit (Q1 FY25) | ₹4,765 crore (+22% YoY) | ₹325 crore (+4% YoY) |
| Total Income | ₹19,524 crore (+21% YoY) | ₹619 crore (+48% YoY) |
| Net Interest Income (NII) | ₹10,227 crore (+22% YoY) | ₹363 crore (+124% YoY) |
| Assets Under Management (AUM) | ₹4.42 lakh crore (+25%) | ₹11,665 crore (vs ₹217 cr) |
| Customer Additions | 4.69 million | Rapid expansion underway |
Bajaj Finance continues to deliver consistent growth across all metrics, while Jio Financial is showing explosive expansion, especially in AUM and income.
Business Model & Strategy
Bajaj Finance
- Diversified lending across consumer, SME, and commercial segments
- Strong presence in urban and semi-urban India
- Focused on risk management, cutting exposure to MSME and two-wheeler loans
- Investing in AI-based solutions for operational efficiency
Jio Financial Services
- Digital-first approach with aggressive scaling
- Backed by Reliance Group’s ecosystem
- Expanding into lending, payments, insurance, and mutual funds
- JV with BlackRock for asset management adds global credibility
Technical Outlook
- Bajaj Finance: Approaching key resistance levels; upside may be limited in short term. Long-term trend remains bullish.
- Jio Financial: Recent breakout above ₹280; strong momentum with support around ₹290–₹310. Targeting ₹370 in medium term.
Investment Perspective
Jio Financial Services suits those looking for high-growth potential and are comfortable with higher risk.
Bajaj Finance is ideal for investors seeking stability, proven performance, and predictable returns.
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