{"id":66131,"date":"2026-04-01T12:31:51","date_gmt":"2026-04-01T07:01:51","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=66131"},"modified":"2026-04-01T12:31:55","modified_gmt":"2026-04-01T07:01:55","slug":"bajaj-finance-q4-results-date-preview","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/","title":{"rendered":"Bajaj Finance Q4 Results 2026: Date, Revenue, PAT &#038; Analyst Outlook"},"content":{"rendered":"<p>Bajaj Finance Q4 Results FY26 \u2014 Board meeting on April 27, 2026 (Expected)<\/p><p>The Bajaj Finance Q4 results 2026 is set to be one of the most closely watched earnings events of the April-May 2026 results season. With results scheduled for April 27, 2026 (Expected), investors and analysts across brokerages are building their expectations around revenue, PAT, margin trajectory, and what management will say about FY27.<\/p><p>Bajaj Finance enters Q4 FY26 at a CMP of ~Rs. 8,400, against a 52-week high of Rs. 9,239 and a 52-week low of Rs. 6,187. The one-year return stands at +18%, making this quarter&#8217;s result and guidance commentary particularly important for investors deciding whether to hold, add, or exit.<\/p><p>This article covers the Bajaj Finance Q4 results 2026 date, earnings estimates, key factors driving performance, five risks to watch, analyst ratings and price targets, and a full set of FAQs around what investors are searching for ahead of the announcement.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Bajaj_Finance_Q4_Results_2026_Date\" title=\"Bajaj Finance Q4 Results 2026 Date\">Bajaj Finance Q4 Results 2026 Date<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Why_This_Quarter_Matters\" title=\"Why This Quarter Matters\">Why This Quarter Matters<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Bajaj_Finance_Q4_FY26_Earnings_Estimates\" title=\"Bajaj Finance Q4 FY26 Earnings Estimates\">Bajaj Finance Q4 FY26 Earnings Estimates<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#5_Key_Factors_That_Will_Drive_Bajaj_Finance_Q4_FY26_Performance\" title=\"5 Key Factors That Will Drive Bajaj Finance Q4 FY26 Performance\">5 Key Factors That Will Drive Bajaj Finance Q4 FY26 Performance<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#AUM_Growth_%E2%80%94_85_Million_Customers\" title=\"AUM Growth \u2014 85+ Million Customers\">AUM Growth \u2014 85+ Million Customers<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#NIM_and_Yield_on_Advances\" title=\"NIM and Yield on Advances\">NIM and Yield on Advances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Asset_Quality_%E2%80%94_Unsecured_Lending_Risk\" title=\"Asset Quality \u2014 Unsecured Lending Risk\">Asset Quality \u2014 Unsecured Lending Risk<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#New_Product_Lines_%E2%80%94_Home_Loans_and_Gold_Loans\" title=\"New Product Lines \u2014 Home Loans and Gold Loans\">New Product Lines \u2014 Home Loans and Gold Loans<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#ROE_and_Capital_Adequacy\" title=\"ROE and Capital Adequacy\">ROE and Capital Adequacy<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#5_Risks_to_Watch_in_Bajaj_Finance_Q4_FY26\" title=\"5 Risks to Watch in Bajaj Finance Q4 FY26\">5 Risks to Watch in Bajaj Finance Q4 FY26<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Unsecured_Loan_Stress_Spillover\" title=\"Unsecured Loan Stress Spillover\">Unsecured Loan Stress Spillover<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#RBI_Rate_Cut_Impact_on_Yield\" title=\"RBI Rate Cut Impact on Yield\">RBI Rate Cut Impact on Yield<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Regulatory_Risk_%E2%80%94_NBFC_Oversight_Tightening\" title=\"Regulatory Risk \u2014 NBFC Oversight Tightening\">Regulatory Risk \u2014 NBFC Oversight Tightening<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Bajaj_Housing_Fianance_IPO_Overhang\" title=\"Bajaj Housing Fianance IPO Overhang\">Bajaj Housing Fianance IPO Overhang<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Valuation_Premium_Risk\" title=\"Valuation Premium Risk\">Valuation Premium Risk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Bajaj_Finance_Share_Price_and_Analyst_Ratings\" title=\"Bajaj Finance Share Price and Analyst Ratings\">Bajaj Finance Share Price and Analyst Ratings<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#What_is_the_Bajaj_Finance_Q4_results_2026_date\" title=\"What is the Bajaj Finance Q4 results 2026 date?\">What is the Bajaj Finance Q4 results 2026 date?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#What_is_the_Bajaj_Finance_Q4_FY26_PAT_estimate\" title=\"What is the Bajaj Finance Q4 FY26 PAT estimate?\">What is the Bajaj Finance Q4 FY26 PAT estimate?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#What_is_Bajaj_Finances_current_share_price_ahead_of_Q4_results\" title=\"What is Bajaj Finance&#8217;s current share price ahead of Q4 results?\">What is Bajaj Finance&#8217;s current share price ahead of Q4 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Will_Bajaj_Finance_declare_a_dividend_in_Q4_2026\" title=\"Will Bajaj Finance declare a dividend in Q4 2026?\">Will Bajaj Finance declare a dividend in Q4 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Which_analysts_have_a_Buy_rating_on_Bajaj_Finance_before_Q4_results\" title=\"Which analysts have a Buy rating on Bajaj Finance before Q4 results?\">Which analysts have a Buy rating on Bajaj Finance before Q4 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#What_were_Bajaj_Finance_Q3_FY26_results\" title=\"What were Bajaj Finance Q3 FY26 results?\">What were Bajaj Finance Q3 FY26 results?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#When_do_Infosys_and_TCS_announce_Q4_results_2026\" title=\"When do Infosys and TCS announce Q4 results 2026?\">When do Infosys and TCS announce Q4 results 2026?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Is_Bajaj_Finance_a_good_investment_ahead_of_Q4_results\" title=\"Is Bajaj Finance a good investment ahead of Q4 results?\">Is Bajaj Finance a good investment ahead of Q4 results?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/univest.in\/blogs-2\/bajaj-finance-q4-results-date-preview\/#Recent_Articles\" title=\"Recent Articles\">Recent Articles<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bajaj_Finance_Q4_Results_2026_Date\"><\/span><strong>Bajaj Finance Q4 Results 2026 Date<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Get free investment predictions and live Q4 result alerts on <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a>.<\/p><p>The Bajaj Finance Q4 FY26 results date is April 27, 2026 (Expected). The board of directors will meet to approve the audited financial statements for the quarter and full financial year ended March 31, 2026. The board will also consider recommending a dividend for FY26 shareholders, subject to approval at the upcoming Annual General Meeting.<\/p><p>Here is how the broader Q4 FY26 earnings calendar looks for large-cap Indian companies in April\u2013May 2026:<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Q4 FY26 Results Date<\/strong><\/td><\/tr><tr><td>TCS<\/td><td><a href=\"https:\/\/univest.in\/blogs\/tcs-q4-results-2026-date-preview\">April 9, 2026<\/a><\/td><\/tr><tr><td>HDFC Bank \/ ICICI Bank<\/td><td>April 18, 2026<\/td><\/tr><tr><td>HCL Technologies<\/td><td>April 21, 2026<\/td><\/tr><tr><td>Infosys<\/td><td>April 23, 2026<\/td><\/tr><tr><td>Bajaj Finance<\/td><td>April 27, 2026 (Expected)<\/td><\/tr><\/tbody><\/table><\/figure><p>Source: BSE\/NSE exchange filings, April 2026. Expected dates may change. Verify before relying.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Why_This_Quarter_Matters\"><\/span><strong>Why This Quarter Matters<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Every quarterly result tells a story, but Bajaj Finance Q4 FY26 carries more weight than a routine earnings print. Bajaj Finance Q4 results in late April 2026 will validate whether India&#8217;s most premium-valued lending franchise continues to justify its multiple.<\/p><p>The market is also watching closely because Q4 is the full-year wrap-up quarter \u2014 meaning the annual results, dividend recommendation, and FY27 outlook commentary all arrive on the same date. Management tone on demand environment, pricing, and deal pipeline will shape investor expectations for the next 6\u201312 months, not just the next quarter.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bajaj_Finance_Q4_FY26_Earnings_Estimates\"><\/span><strong>Bajaj Finance Q4 FY26 Earnings Estimates<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"931\" height=\"486\" src=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12.jpeg\" alt=\"Bajaj Finance Q4 FY26 Earnings Estimates\" class=\"wp-image-66133\" srcset=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12.jpeg 931w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12-300x157.jpeg 300w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12-768x401.jpeg 768w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12-900x470.jpeg 900w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12-600x313.jpeg 600w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12-150x78.jpeg 150w\" sizes=\"(max-width: 931px) 100vw, 931px\" \/><\/figure><p>Bajaj Finance Q4 FY26 \u2014 Revenue, PAT, margin and growth estimates from leading brokerages<\/p><p>Access premium research pieces and stock recommendations on <a href=\"https:\/\/univest.in\/user\/log-in\">Univest<\/a>.<\/p><p>Here is what leading brokerages are estimating for Bajaj Finance Q4 FY26 results:<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Metric<\/strong><\/td><td><strong>Q3 FY26 (Actual)<\/strong><\/td><td><strong>Q4 FY26 (Estimate)<\/strong><\/td><\/tr><tr><td>Revenue (Rs. Cr)<\/td><td>NII ~Rs. 9,382<\/td><td>NII Rs. 9,800 \u2013 10,400<\/td><\/tr><tr><td>Net Profit \/ PAT (Rs. Cr)<\/td><td>4,308<\/td><td>Rs. 4,500 \u2013 4,900<\/td><\/tr><tr><td>Margin<\/td><td>NIM ~10.2%<\/td><td>NIM 10.0 \u2013 10.5%<\/td><\/tr><tr><td>CC \/ Volume Growth<\/td><td>Prior quarter<\/td><td>+15\u201318% PAT YoY (est.)<\/td><\/tr><tr><td>Dividend (FY26)<\/td><td>Rs. 36\/share (FY25 final)<\/td><td>Rs. 40 \u2013 44\/share FY26 (est.)<\/td><\/tr><\/tbody><\/table><\/figure><p>Estimates compiled from MOFSL, YES Securities, JM Financial. Actual figures from NSE\/BSE filings. Verify before investing.<\/p><p>The estimates above represent analyst consensus. Actual results could diverge \u2014 positively or negatively \u2014 based on one-time items, currency movements, and sector-specific developments. The key number to watch, beyond the headline PAT, is management&#8217;s commentary on FY27 guidance.<\/p><p>Screen and track <a href=\"https:\/\/univest.in\/screeners\">Bajaj Finance fundamentals on Univest Screener<\/a>.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Key_Factors_That_Will_Drive_Bajaj_Finance_Q4_FY26_Performance\"><\/span><strong>5 Key Factors That Will Drive Bajaj Finance Q4 FY26 Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"AUM_Growth_%E2%80%94_85_Million_Customers\"><\/span><strong>AUM Growth \u2014 85+ Million Customers<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bajaj Finance has built India&#8217;s largest consumer lending franchise with over 85 million customers. Q4 AUM growth \u2014 expected at 25\u201328% YoY \u2014 is the primary revenue driver. Any acceleration in new customer additions or loan book growth beyond Rs.3.8 lakh crore would be a positive catalyst.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"NIM_and_Yield_on_Advances\"><\/span><strong>NIM and Yield on Advances<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bajaj Finance operates at NIM of approximately 10\u201310.5%, the highest in the NBFC sector. Q4 will test whether RBI rate cuts have begun to compress lending yields faster than funding cost reductions. Any NIM contraction beyond 20 basis points would weigh on NII and ultimately PAT.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Asset_Quality_%E2%80%94_Unsecured_Lending_Risk\"><\/span><strong>Asset Quality \u2014 Unsecured Lending Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>The broader NBFC sector has shown stress in unsecured personal loans and microfinance. Bajaj Finance&#8217;s gross NPA ratio has historically been managed well. Q4 credit cost guidance will be critical \u2014 any uptick in unsecured loan slippages would compress PAT and trigger a re-rating of the growth premium.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"New_Product_Lines_%E2%80%94_Home_Loans_and_Gold_Loans\"><\/span><strong>New Product Lines \u2014 Home Loans and Gold Loans<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bajaj Finance has been expanding into home loans (through Bajaj Housing Finance) and gold loans. Q4 disbursement data in these segments \u2014 particularly Bajaj Housing Finance&#8217;s performance \u2014 will indicate whether the product diversification strategy is scaling at expected rates.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"ROE_and_Capital_Adequacy\"><\/span><strong>ROE and Capital Adequacy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bajaj Finance delivers ROE consistently above 22% \u2014 a key reason for its premium valuation. Q4 capital adequacy and leverage ratios will be watched to assess whether rapid AUM growth is stretching the balance sheet.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Risks_to_Watch_in_Bajaj_Finance_Q4_FY26\"><\/span><strong>5 Risks to Watch in Bajaj Finance Q4 FY26<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Unsecured_Loan_Stress_Spillover\"><\/span><strong>Unsecured Loan Stress Spillover<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>The microfinance and personal loan segments across the lending industry have shown elevated delinquency rates in FY26. While Bajaj Finance has a more diversified and higher-quality borrower profile, any evidence of stress spilling into its consumer durable or digital lending book would pressure credit costs.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"RBI_Rate_Cut_Impact_on_Yield\"><\/span><strong>RBI Rate Cut Impact on Yield<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>As the RBI cuts rates in FY27, Bajaj Finance&#8217;s lending rates \u2014 which are partly floating and partly fixed \u2014 will reprice downward. The funding cost relief may not be immediate, creating temporary NIM compression in transition quarters.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Regulatory_Risk_%E2%80%94_NBFC_Oversight_Tightening\"><\/span><strong>Regulatory Risk \u2014 NBFC Oversight Tightening<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>RBI has been increasingly active in regulating NBFCs \u2014 tightening norms on provisioning, concentration risk, and co-lending partnerships. Any new NBFC-specific regulatory action could disrupt Bajaj Finance&#8217;s product portfolio or growth trajectory.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bajaj_Housing_Fianance_IPO_Overhang\"><\/span><strong>Bajaj Housing Fianance IPO Overhang<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>The demerger and listing of Bajaj Housing Finance created some structural questions about the parent&#8217;s growth trajectory and capital allocation. Investors will watch whether the housing finance subsidiary&#8217;s performance justifies the capital deployed.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Valuation_Premium_Risk\"><\/span><strong>Valuation Premium Risk<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bajaj Finance trades at approximately 6.5\u20137x book value \u2014 a significant premium even for the best NBFC in India. This leaves no room for earnings misses. Any sequential PAT miss in Q4 \u2014 even a small one \u2014 would result in a disproportionate stock price correction given the premium valuation.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bajaj_Finance_Share_Price_and_Analyst_Ratings\"><\/span><strong>Bajaj Finance Share Price and Analyst Ratings<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"931\" height=\"486\" src=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12.jpeg\" alt=\"Bajaj Finance Share Price and Analyst Ratings\" class=\"wp-image-66134\" srcset=\"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12.jpeg 931w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12-300x157.jpeg 300w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12-768x401.jpeg 768w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12-900x470.jpeg 900w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12-600x313.jpeg 600w, https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12-150x78.jpeg 150w\" sizes=\"(max-width: 931px) 100vw, 931px\" \/><\/figure><p>Bajaj Finance share price snapshot and analyst ratings heading into Q4 FY26 results<\/p><p>Bajaj Finance shares are trading at ~Rs. 8,400 as of late March 2026. The 52-week high stands at Rs. 9,239 and the 52-week low at Rs. 6,187. One-year return is +18%, against a market cap of ~Rs. 5.21 Lakh Cr.<\/p><p>Here is where leading brokerages stand on Bajaj Finance heading into Q4 FY26 results:<\/p><figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Brokerage<\/strong><\/td><td><strong>Rating<\/strong><\/td><td><strong>Target Price<\/strong><\/td><td><strong>Key Thesis<\/strong><\/td><\/tr><tr><td>Motilal Oswal<\/td><td>Buy<\/td><td>Rs. 10,000<\/td><td>AUM CAGR 25%+ + product expansion<\/td><\/tr><tr><td>Kotak Institutional<\/td><td>Buy<\/td><td>Rs. 9,500<\/td><td>Best-in-class NBFC franchise<\/td><\/tr><tr><td>ICICI Direct<\/td><td>Buy<\/td><td>Rs. 9,800<\/td><td>NIM stable; credit cost under control<\/td><\/tr><tr><td>Emkay Global<\/td><td>Add<\/td><td>Rs. 9,000<\/td><td>Watching unsecured stress in Q4<\/td><\/tr><\/tbody><\/table><\/figure><p>Source: Publicly available analyst notes, March\u2013April 2026. For informational purposes only.<\/p><p>For live TCS, Infosys, and sectoral Q4 results coverage, download the<\/p><p><a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\">Download the Univest iOS App<\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\">Univest Android App<\/a> to get live Q4 result alerts and SEBI-registered research directly on your phone.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p>Bajaj Finance Q4 results in late April 2026 will validate whether India&#8217;s most premium-valued lending franchise continues to justify its multiple. PAT in the Rs.4,500\u20134,900 crore range and AUM growth of 25%+ are expected. The key swing factor is credit quality \u2014 if Bajaj Finance demonstrates that its underwriting standards have kept it insulated from the broader NBFC sector stress, the stock has a credible path back toward Rs.9,000\u201310,000.<\/p><p>This article is for informational and educational purposes only. Investments in securities are subject to market risk. Please read all related documents before investing. Past performance is not indicative of future results.<\/p><p>For more Q4 earnings previews across IT, banking, auto, and pharma sectors, visit <a href=\"https:\/\/univest.in\/blogs\">Univest Blogs<\/a>.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_Bajaj_Finance_Q4_results_2026_date\"><\/span><strong>What is the Bajaj Finance Q4 results 2026 date?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>The Bajaj Finance Q4 results 2026 date is April 27, 2026 (Expected). The board will meet to approve the audited Q4 FY26 financial results \u2014 covering the quarter ended March 31, 2026 \u2014 and will consider a dividend recommendation for FY26.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_the_Bajaj_Finance_Q4_FY26_PAT_estimate\"><\/span><strong>What is the Bajaj Finance Q4 FY26 PAT estimate?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Analysts estimate Bajaj Finance Q4 FY26 net profit (PAT) in the range of Rs.Rs. 4,500 \u2013 4,900 crore. This estimate is based on revenue assumptions of Rs.NII Rs. 9,800 \u2013 10,400 crore and a margin of NIM 10.0 \u2013 10.5%. Actual results may differ from these consensus estimates.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_is_Bajaj_Finances_current_share_price_ahead_of_Q4_results\"><\/span><strong>What is Bajaj Finance&#8217;s current share price ahead of Q4 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bajaj Finance shares are trading at approximately ~Rs. 8,400 as of late March 2026. The 52-week high is Rs. 9,239 and the 52-week low is Rs. 6,187. The one-year return is +18% and the market cap stands at ~Rs. 5.21 Lakh Cr.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Will_Bajaj_Finance_declare_a_dividend_in_Q4_2026\"><\/span><strong>Will Bajaj Finance declare a dividend in Q4 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bajaj Finance is expected to consider a dividend recommendation at the April 27, 2026 (Expected) board meeting. FY26 dividends paid so far total Rs. 36\/share (FY25 final). Analysts estimate the Q4 final or additional dividend at Rs. 40 \u2013 44\/share FY26 (est.) per share, subject to board approval and shareholder ratification at the AGM.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Which_analysts_have_a_Buy_rating_on_Bajaj_Finance_before_Q4_results\"><\/span><strong>Which analysts have a Buy rating on Bajaj Finance before Q4 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Motilal Oswal (Buy, TP: Rs. 10,000); Kotak Institutional (Buy, TP: Rs. 9,500); ICICI Direct (Buy, TP: Rs. 9,800); Emkay Global (Add, TP: Rs. 9,000). These ratings are based on publicly available analyst notes from March\u2013April 2026. They are for informational purposes only and not a recommendation.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"What_were_Bajaj_Finance_Q3_FY26_results\"><\/span><strong>What were Bajaj Finance Q3 FY26 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>Bajaj Finance Q3 FY26 results showed revenue of Rs.NII ~Rs. 9,382 crore and PAT of Rs.4,308 crore. Margins were at NIM ~10.2%. Q4 is expected to show a different picture \u2014 review the estimates table in this article for full expectations.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"When_do_Infosys_and_TCS_announce_Q4_results_2026\"><\/span><strong>When do Infosys and TCS announce Q4 results 2026?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>TCS Q4 results 2026 date is April 9, 2026. <a href=\"https:\/\/univest.in\/blogs\/infosys-q4-results-2026-date-preview\">Infosys Q4 results<\/a> date is April 23, 2026. HCL Technologies reports on April 21. Read full Q4 previews for all these companies on <a href=\"https:\/\/univest.in\/blogs\">Univest Blogs<\/a>.<\/p><h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Is_Bajaj_Finance_a_good_investment_ahead_of_Q4_results\"><\/span><strong>Is Bajaj Finance a good investment ahead of Q4 results?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3><p>This depends on your risk appetite, investment horizon, and portfolio context. Bajaj Finance has both compelling factors and genuine near-term risks \u2014 both are covered in detail in this article. Consult a SEBI-registered financial advisor before making any investment decision. Use the Univest Screener to assess Bajaj Finance fundamentals independently before investing.<\/p><p>Disclaimer: Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. All financial data and analyst estimates are sourced from publicly available information including NSE\/BSE filings, MOFSL, YES Securities, JM Financial, Screener.in and company investor relations pages. Verify all numbers before investing. Consult a SEBI-registered advisor before making investment decisions.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recent_Articles\"><\/span><strong>Recent Articles<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p><a href=\"https:\/\/univest.in\/blogs\/infosys-q4-results-date-preview\">Infosys Q4 Results 2026: Date, Revenue, PAT &amp; Analyst Outlook<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/best-agrolife-q4-fy26-results-expectations\">Best Agrolife Q4 FY26 Results Preview &amp; Earnings Expectations<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/bhansali-engineering-polymers-q4-fy26-results-expectations\">Bhansali Engineering Polymers Q4 FY26 Results Preview &amp; Earnings Outlook<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/berger-paints-q4-fy26-results-expectations\">Berger Paints Q4 FY26 Results Preview &amp; Earnings Outlook<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/beml-q4-fy26-results-expectations\">BEML Q4 FY26 Results Preview &amp; Earnings Outlook<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Bajaj Finance Q4 Results FY26 \u2014 Board meeting on April 27, 2026 (Expected) The Bajaj Finance Q4 results 2026 is set to be one of the most closely watched earnings events of the April-May 2026 results season. With results scheduled for April 27, 2026 (Expected), investors and analysts across brokerages are building their expectations around<\/p>\n","protected":false},"author":29,"featured_media":66135,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[3955,3802],"class_list":["post-66131","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-bajaj-finance-q4-results","tag-news"],"metadata":{"_edit_lock":["1775026968:28"],"_last_editor_used_jetpack":["block-editor"],"rank_math_internal_links_processed":["1"],"amazonS3_cache":["a:2:{s:61:\"\/\/univest.in\/blogs-2\/wp-content\/uploads\/2026\/04\/image-12.jpeg\";a:2:{s:2:\"id\";i:66134;s:11:\"source_type\";s:13:\"media-library\";}s:93:\"\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/04\/01122303\/image-12.jpeg\";a:2:{s:2:\"id\";i:66134;s:11:\"source_type\";s:13:\"media-library\";}}"],"rank_math_primary_category":["842"],"rank_math_seo_score":["81"],"rank_math_description":["Bajaj Finance Q4 results 2026 preview \u2014 AUM growth, PAT, NIM, asset quality and analyst targets. 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