| | Price Trend | Performance | Ratios | Snapshot

Bajaj Finserv | 52.56% [Average Score] |Shares Pledge: [1.08%]

Is the company worth investing in (now)?: I'll Avoid [Price is Reasonable But Fundamentals are Weak]

2,013.05

82.85 | 4.29%

Price

Financial - Miscellaneous Financial Services

968.64

Overvalued

Intrinsic Value

Top | Performance | Ratios | Snapshot

Price Trend

1%
Price 14 Day

Past → Today

-1%
Price 30 Day

Past → Today

-4%
Price 90 Day

Past → Today

Overview
How is the Stock? Price: Slightly Overvalued & Fundamentally Average
Overall Score (Remark) 52.56% [Average Score] |Shares Pledge: [1.08%]
Is It A Fundamentally Strong Company? Fundamentally Average
Fundamental Strength Score [out of 5] 2.40
Overview
19.93%
Last 10Y Price Trend

Past → Today

4.78%
P/E

Past → Today

Quick Observations #1
  1. The operating revenue has grown consistently in the last 5 years
  2. Positive @18.49% p.a. in the last 5 years
  3. Reasonably consistent in the last 5 years
  4. Maintained a positive EBITDA Margin of 34.19% in the last 5 years
  5. EBITDA Margin has fallen in the last 5 years @-0.72% p.a.
Quick Observations #2
  1. Not been consistent in the last 5 years
  2. Maintained a positive PAT Margin of 12.64% in the last 5 years
  3. PAT Margin has fallen in the last 5 years @-10.87% p.a.
  4. Not been consistent in the last 5 years
  5. Maintained a positive ROE of 22.45% in the last 5 years
  6. ROE has fallen in the last 5 years @-8.25% p.a.
Quick Observations #3
  1. Total asset has grown at 18.41% p.a. in the last 5 Years
  2. The company has not been consistently solvent in the last 5 years
  3. The company has reduced it's D/E ratio in the last 5 years
  4. Maintained an average D/E ratio of 3.99 in the last 5 years
Quick Observations #4
  1. Consistently liquid in the last 5 years
  2. Impaired in the last 5 years
  3. Maintained an average current ratio of 2 in the last 5 years
  4. Not Consistently Positive
Price Valuation
Is It An Undervalued Stock? Slightly Overvalued
Price Valuation Score [out of 5] 3.29
Price ₹2,013.05
Intrinsic Value ₹968.64
P/E 33.19
EV/EBITDA 9.96
P/FCF 75.38
Current Price vs. Intrinsic Value (IV)
Current Price

₹2,013.05

Intrinsic Value

₹968.6414

Overvalued

Sample Data. Subscribe to view actual data.
Share Holding Pattern
Profitability
Is It A Profitable Company? Reasonably Profitable
Profitability Score [out of 5] 3.45
WAAC 9.65%
ROCE-5Y 19.95%
Free Cash Flow Positive
Operating Profit 42,656.00
Net Profit 9,680.00
Profitability
Growth
Is It A Growing Company? Growth Rate Is Above Average
Growth Score [out of 5] 3.94
Reserves Growth 15.00%
Total Asset Growth 18.00%
Operating Revenue Growth 18.00%
Net Profit Growth 19.00%
Operating Cash Flow Growth -269.00%
FCF Growth (5Y) 27.00%
Sustainable Growth 15.00%
-40.18%
EPS

Past → Today

Financial Health
Is The Company Financially Healthy? Financial Health Is Weak
Financial Health Score [out of 5] 2.20
Is the company liquid? Yes. Its Liquidity is High
Is the ROE growing? No. The Trend is Falling
Is the ROE high? Yes. Its Very High
Company is reducing debt? Yes. D/E Ratio is Decreasing
Company's D/E ratio is low? No. D/E Ratio is High
Is the ROCE growing? No. It is Falling
Is the ROCE High? Yes. It is Very High
Financial Health
Quality of Management
How Is The Quality Of The Management? Management Quality Is Low
Management Quality Score [out of 5] 1.85
Operating profit is Growing? Yes. The Operating Profit has grown
Operating profit Consistently Growing? Yes. The Operating Profit has Consistently Grown
EPS is Growing? No. The EPS has decreased
EPS Consistently Growing? No. The EPS Growth in not Consistent
Capital Utilization is Proper? No. Capital Use Needs Improvement
Reinvested Capital Meets The Purpose? Yes. It is Very Good
Is It Overpaying The Dividends? Yes. It can Comfortably Afford
Operating Profit Margin
Competitive Moat
Does The Company Has Competitive Moat? Moat If Very Narrow
Moat Score [out of 5] 0.99
Competitors
NameM.Cap (₹ Cr.)Revenue (₹ Cr.)PAT (₹ Cr.)TTM EPSTTM P/EP/BROEOverall Score (%)
Mangal Credit & Fincorp340.2349.5813.076.1325.982.427.11Subscribe to view
Cholamandalam Financial Holdings32,205.7033,459.924,733.98118.6614.522.5717.79Subscribe to view
KFin Technologies17,689.791,128.48332.6319.7552.1512.570.00Subscribe to view
SBI Cards & Payments Services72,149.2118,637.151,916.4120.1637.535.240.00Subscribe to view
Bajaj Finserv321,326.67133,822.1217,539.6560.7033.164.4413.37Subscribe to view
Theme Ranks
Theme Rank Total Stocks Theme Rank Total Stocks
Best Stocks 568 1,347 Fast Growing Stocks 137 1,356
Profitable Stocks 155 1,339 Dividend Paying Stocks 307 364
Blue-Chip Stocks 0 99 Low PE Stocks 0 145
Debt Free Stocks 0 855 Buffet Type Stocks 1,196 1,355
Fundamentally Strong Stocks 577 1,356 High Return Stocks 564 1,367
Undervalued Stocks 473 1,342 Penny Stocks 0 253
Profitable & Growing Stocks 0 125
Price Summary
Today's High Today's Low 52W High 52W Low
2,045.1 1,993.2 2,194.65 1,728.15
Recent Results
Market Cap (Cr) Revenue (Cr) Net Profit (Cr) Net Worth (Cr)
321,326.67 133,822.12 17,539.65 72,395.31
D/E Current Ratio ROE (%) ROCE (%)
1.82 1.24 13.37 31.48
Valuation & Growth
P/E P/B Div.Yield (%) PEG (%)
33.19 4.44 0.05 2.46
EPSG-3Y (%) EPSG-3Y (%) 3M-Return (%) 1Y-Return (%)
-28.06 -40.18 -1.18 12.06
About Company

Bajaj Finserv Limited (BFS) is the holding company for the various financial services businesses under the Bajaj Group. It serves millions of customers in the financial services space by providing solutions for asset acquisition through financing asset protection through general insurance family protection and income protection in the form of life and health insurance and retirement and savings solutions. BFS holds 55.13% stake in Bajaj Finance Limited (BFL) and 74% stake each in Bajaj Allianz General Insurance Company Limited (BAGIC) and Bajaj Allianz Life Insurance Company Limited (BALIC). Apart from financial services BFS is also active in wind energy generation. Bajaj Finance Ltd (formerly known as Bajaj Auto Finance Ltd) is a Non-Banking Finance Company engaged in consumer finance SME finance commercial lending and wealth management.

Top | Price Trend | Ratios | Snapshot

Performance Summary

15.64%

Net Sales

Past → Today

15.63%

Total Income

Past → Today

15.52%

Operating Profit

Past → Today

3.09%

PAT

Past → Today

12.46%

Net Worth

Past → Today

-26.66%

EPS

Past → Today

1%

Last 14D Price Trend

Past → Today

-1%

Last 30D Price Trend

Past → Today

-4%

Last 90D Price Trend

Past → Today

4%

Last 180D Price Trend

Past → Today

12%

Last 1Y Price Trend

Past → Today

16.68%

Last 3Y Price Trend

Past → Today

1.98%

Last 5Y Price Trend

Past → Today

0%

EV/EBIDTA

Past → Today

Top | Price Trend | Performance | Snapshot

Ratios

Liquidity Ratios
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
Current Ratio-1.241.242.102.062.041.95
Quick Ratio-1.241.242.102.062.041.95
Cash Ratio-0.030.030.050.030.030.02
Solvency Ratios
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
Current Debt to Inventory-0.000.000.000.000.000.00
Current Debt to Equity-1.821.824.774.563.993.57
D / E-1.821.824.774.563.993.57
Interest Coverage Ratio-1.621.982.162.382.192.08
Efficiency Ratios
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
Fixed Asset Turnover Ratio-24.3623.0422.1421.3822.7323.11
Gross Margin%100.00100.00100.00100.00100.00100.00
Operating Margin%30.1535.9036.0335.3530.3131.36
EBITDA Margin%31.0536.7736.8436.1731.1732.19
PAT Margin%6.8413.1114.1214.8812.1512.16
Op.Cash Flow Margin%-43.90-46.42-62.22-48.10-49.227.51
ROA%1.482.692.903.012.492.63
ROE%13.3724.2325.8426.3120.6620.56
ROCE%31.4835.4613.9413.7111.7813.35
ROIC%0.922.072.202.251.882.02
Price Valuation Ratios
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
P/E-31.3236.0655.1852.5998.1155.94
PEG-2.332.990.90-0.993.8055.94
EV/EBITDA-9.5712.8316.2842.009.957.62
Price to Sales-2.143.853.5112.680.820.40
P/B-4.197.116.4222.431.400.67
Dividend Yield%0.050.030.030.010.080.00
P/FCF-8.7614.889.9233.163.46-0.24
FCF/Sales-0.000.010.010.010.00-0.00
Earnings Yield%10.147.616.002.339.7812.79
Top | Price Trend | Performance | Ratios

Snapshot

Quarterly Report
IndicatorUnitTTMSep '25Jun '25Mar '25Dec '24Sep '24
SalesRs. Cr.141,477.0037,402.0035,439.0036,595.0032,041.0033,703.00
Other IncomeRs. Cr.13.000.0012.001.000.000.00
Op. ProfitRs. Cr.52,192.0013,723.0013,997.0012,388.0012,084.0012,008.00
EBITDARs. Cr.43,927.0049,210.2440,666.5829,689.1621,331.9319,502.26
PBTRs. Cr.25,825.006,821.007,203.005,993.005,808.005,962.00
PATRs. Cr.9,680.002,244.002,789.002,416.002,231.002,086.00
EPSRs. Cr.60.7014.1017.5015.1014.0013.10
Profit & Loss Account
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
IncomeRs. Cr.141,477.00133,822.12110,383.0082,072.0168,438.9860,591.57
ExpenseRs. Cr.110,091.90110,091.9089,016.0665,262.0757,168.0450,729.05
Op.ProfitRs. Cr.42,656.0048,038.8539,765.3629,010.5920,736.3019,003.43
EBITDARs. Cr.43,927.0049,210.2440,666.5829,689.1621,331.9319,502.26
PBTRs. Cr.25,825.006,821.007,203.005,993.005,808.005,962.00
PATRs. Cr.9,680.002,244.002,789.002,416.002,231.002,086.00
EPSRs. Cr.60.7014.1017.5015.1014.0013.10
DividendRs. Cr.159.67159.67127.4363.6547.740.00
Balance Sheet
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
Share CapitalRs. Cr.159.60159.60159.41159.2679.5779.57
ReservesRs. Cr.72,235.7172,235.7160,169.2146,248.0840,167.2335,750.43
Net WorthRs. Cr.72,395.3172,395.3160,328.6246,407.3440,246.8035,830.00
ST BorrowingsRs. Cr.132,102.99132,102.99111,617.4781,549.4054,363.5647,441.20
LT BorrowingsRs. Cr.0.000.00175,981.36129,891.88106,150.8480,471.81
Fixed AssetsRs. Cr.5,808.325,808.324,986.083,837.943,009.052,621.61
Current LiabilitiesRs. Cr.516,745.61516,745.61252,587.47193,883.81157,480.25137,855.44
CashRs. Cr.15,736.8015,736.8012,386.665,377.224,403.033,410.49
Current AssetsRs. Cr.641,639.55641,639.55529,347.11398,596.91321,358.14269,460.60
Total AssetsRs. Cr.652,231.61652,231.61537,929.63405,509.19333,718.96280,164.32
Cash Flow Report
IndicatorUnitTTMMar 25Mar 24Mar 23Mar 22Mar 21
Net Cash From Oprn.Rs. Cr.-62,113.25-62,113.25-68,674.20-39,479.54-33,669.994,547.40
Net Cash From InvestingRs. Cr.-7,986.54-7,986.54-10,959.69-13,945.211,445.43-3,683.80
Net Cash From FinancingRs. Cr.70,191.3170,191.3182,708.7151,016.0632,325.761,686.95