Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post
Last Updated on: 26 October, 2025
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 532978 | NSE: BAJAJFINSV

Bajaj Finserv Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: October 26, 2025, 7:49 am

Market Cap 3,45,048 Cr.
Current Price 2,160
High / Low 2,195/1,552
Stock P/E36.2
Book Value 453
Dividend Yield0.05 %
ROCE11.0 %
ROE13.4 %
Face Value 1.00
PEG Ratio2.29

Stock P/E, Current Price, and Intrinsic Value Over Time

View Share Price Target for Bajaj Finserv Ltd

Competitors of Bajaj Finserv Ltd

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Choice International Ltd 16,652 Cr. 810 837/43891.8 59.50.00 %20.0 %19.6 % 10.0
Abans Holdings Ltd 1,020 Cr. 201 418/1659.30 2120.00 %9.71 %10.2 % 2.00
Max India Ltd 1,115 Cr. 213 312/160 69.10.00 %23.6 %30.0 % 10.0
IDFC Ltd 17,275 Cr. 108 /19.9 83.60.93 %8.49 %8.37 % 10.0
BF Investment Ltd 1,839 Cr. 488 829/39823.5 1,8320.00 %4.62 %3.39 % 5.00
Industry Average75,604.14 Cr2,446.2933.621,191.740.24%12.46%13.71%6.86

All Competitor Stocks of Bajaj Finserv Ltd

Quarterly Result

MetricJun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Sales 15,88820,80321,75523,62523,28026,02329,03832,04131,48033,70432,04236,59535,439
Expenses 9,57313,41613,92415,47013,93516,07318,60121,10819,65521,42019,66923,86821,124
Operating Profit 6,3157,3877,8318,1549,3459,95010,43810,93311,82512,28312,37312,72814,315
OPM % 40%36%36%35%40%38%36%34%38%36%39%35%40%
Other Income 000230243331013
Interest 2,5642,9613,2413,4364,0204,4494,7775,1545,5926,0466,2766,3966,807
Depreciation 157168172181202209232257267275288339317
Profit before tax 3,5944,2584,4194,5405,1255,2925,4315,5275,9685,9665,8126,0027,204
Tax % 28%30%25%27%28%29%26%26%29%30%24%21%26%
Net Profit 2,5782,9973,3003,3353,7093,7564,0454,0854,2094,1804,4124,7565,329
EPS in Rs 8.239.7711.1911.1112.2012.0913.5213.2813.3913.0713.9715.1417.46

Last Updated: August 2, 2025, 1:15 am

Below is a detailed analysis of the quarterly data for Bajaj Finserv Ltd based on the most recent figures (Jun 2025) and their trends compared to the previous period:

  • For Sales, as of Jun 2025, the value is 35,439.00 Cr.. The value appears to be declining and may need further review. It has decreased from 36,595.00 Cr. (Mar 2025) to 35,439.00 Cr., marking a decrease of 1,156.00 Cr..
  • For Expenses, as of Jun 2025, the value is 21,124.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 23,868.00 Cr. (Mar 2025) to 21,124.00 Cr., marking a decrease of 2,744.00 Cr..
  • For Operating Profit, as of Jun 2025, the value is 14,315.00 Cr.. The value appears strong and on an upward trend. It has increased from 12,728.00 Cr. (Mar 2025) to 14,315.00 Cr., marking an increase of 1,587.00 Cr..
  • For OPM %, as of Jun 2025, the value is 40.00%. The value appears strong and on an upward trend. It has increased from 35.00% (Mar 2025) to 40.00%, marking an increase of 5.00%.
  • For Other Income, as of Jun 2025, the value is 13.00 Cr.. The value appears strong and on an upward trend. It has increased from 10.00 Cr. (Mar 2025) to 13.00 Cr., marking an increase of 3.00 Cr..
  • For Interest, as of Jun 2025, the value is 6,807.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,396.00 Cr. (Mar 2025) to 6,807.00 Cr., marking an increase of 411.00 Cr..
  • For Depreciation, as of Jun 2025, the value is 317.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 339.00 Cr. (Mar 2025) to 317.00 Cr., marking a decrease of 22.00 Cr..
  • For Profit before tax, as of Jun 2025, the value is 7,204.00 Cr.. The value appears strong and on an upward trend. It has increased from 6,002.00 Cr. (Mar 2025) to 7,204.00 Cr., marking an increase of 1,202.00 Cr..
  • For Tax %, as of Jun 2025, the value is 26.00%. The value appears to be increasing, which may not be favorable. It has increased from 21.00% (Mar 2025) to 26.00%, marking an increase of 5.00%.
  • For Net Profit, as of Jun 2025, the value is 5,329.00 Cr.. The value appears strong and on an upward trend. It has increased from 4,756.00 Cr. (Mar 2025) to 5,329.00 Cr., marking an increase of 573.00 Cr..
  • For EPS in Rs, as of Jun 2025, the value is 17.46. The value appears strong and on an upward trend. It has increased from 15.14 (Mar 2025) to 17.46, marking an increase of 2.32.

Overall, while many items appear to show a positive trend, any significant downward movement warrant further investigation.

Quarterly Chart

Profit & Loss - Annual Report

Last Updated: August 22, 2025, 4:15 pm

MetricMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Sales 6,02311,33520,53324,50732,86242,60554,35160,59268,40682,072110,382133,822137,780
Expenses 1,5315,82313,79515,79422,07427,56936,09440,95046,95152,20469,49784,29886,081
Operating Profit 4,4915,5116,7398,71310,78815,03718,25819,64121,45529,86840,88649,52451,699
OPM % 75%49%33%36%33%35%34%32%31%36%37%37%38%
Other Income 3800120-781-4-1830
Interest 1,5622,2302,8773,7164,5316,6579,5009,2749,62912,38018,60724,58725,525
Depreciation 313858731602264574985636789001,1701,221
Profit before tax 2,9023,2513,8044,9256,0998,1558,3029,86211,27116,81121,37523,74824,983
Tax % 24%26%27%30%32%34%28%25%26%27%27%26%
Net Profit 2,1912,4092,7753,4504,1765,3745,9947,3678,31412,21015,59517,55818,678
EPS in Rs 9.7110.6211.7114.2116.6520.2321.1728.0928.6340.2951.0755.5759.64
Dividend Payout % 2%2%1%1%1%1%2%1%1%2%2%2%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2014-20152015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)9.95%15.19%24.32%21.04%28.69%11.54%22.91%12.85%46.86%27.72%12.59%
Change in YoY Net Profit Growth (%)0.00%5.24%9.13%-3.28%7.64%-17.15%11.37%-10.05%34.01%-19.14%-15.14%

Bajaj Finserv Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 11 years from 2014-2015 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:28%
5 Years:20%
3 Years:25%
TTM:16%
Compounded Profit Growth
10 Years:18%
5 Years:21%
3 Years:25%
TTM:14%
Stock Price CAGR
10 Years:28%
5 Years:26%
3 Years:5%
1 Year:7%
Return on Equity
10 Years:14%
5 Years:14%
3 Years:14%
Last Year:13%

Last Updated: September 4, 2025, 9:25 pm

Balance Sheet

Last Updated: August 11, 2025, 4:20 pm

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Equity Capital 808080808080808080159159160
Reserves 9,23211,00913,51916,07120,40323,66031,22235,75040,16746,24860,16972,236
Borrowings 19,50726,31236,06248,28265,69599,754127,212128,461161,179212,265288,933355,855
Other Liabilities 45,56550,82754,29064,18175,33784,93492,791115,554131,987146,729188,154223,269
Total Liabilities 74,38388,228103,951128,614161,514208,428251,304279,845333,413405,401537,415651,519
Fixed Assets 1,2621,2611,2741,6451,7922,0973,2163,1823,5864,3365,4556,297
CWIP 13114286645129113191220314
Investments 45,31451,36753,69862,65869,42881,67991,821113,654119,222136,176170,127190,130
Other Assets 27,80535,59848,96964,30690,266124,587156,223162,879210,493264,698361,613454,778
Total Assets 74,38388,228103,951128,614161,514208,428251,304279,845333,413405,401537,415651,519

Below is a detailed analysis of the balance sheet data for Bajaj Finserv Ltd based on the most recent figures (Mar 2025) and their trends compared to the previous period:

  • For Equity Capital, as of Mar 2025, the value is 160.00 Cr.. The value appears strong and on an upward trend. It has increased from 159.00 Cr. (Mar 2024) to 160.00 Cr., marking an increase of 1.00 Cr..
  • For Reserves, as of Mar 2025, the value is 72,236.00 Cr.. The value appears strong and on an upward trend. It has increased from 60,169.00 Cr. (Mar 2024) to 72,236.00 Cr., marking an increase of 12,067.00 Cr..
  • For Borrowings, as of Mar 2025, the value is 355,855.00 Cr.. The value appears to be increasing, which may not be favorable. However, Borrowings exceed Reserves, which may signal higher financial risk. It has increased from 288,933.00 Cr. (Mar 2024) to 355,855.00 Cr., marking an increase of 66,922.00 Cr..
  • For Other Liabilities, as of Mar 2025, the value is 223,269.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 188,154.00 Cr. (Mar 2024) to 223,269.00 Cr., marking an increase of 35,115.00 Cr..
  • For Total Liabilities, as of Mar 2025, the value is 651,519.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 537,415.00 Cr. (Mar 2024) to 651,519.00 Cr., marking an increase of 114,104.00 Cr..
  • For Fixed Assets, as of Mar 2025, the value is 6,297.00 Cr.. The value appears strong and on an upward trend. It has increased from 5,455.00 Cr. (Mar 2024) to 6,297.00 Cr., marking an increase of 842.00 Cr..
  • For CWIP, as of Mar 2025, the value is 314.00 Cr.. The value appears strong and on an upward trend. It has increased from 220.00 Cr. (Mar 2024) to 314.00 Cr., marking an increase of 94.00 Cr..
  • For Investments, as of Mar 2025, the value is 190,130.00 Cr.. The value appears strong and on an upward trend. It has increased from 170,127.00 Cr. (Mar 2024) to 190,130.00 Cr., marking an increase of 20,003.00 Cr..
  • For Other Assets, as of Mar 2025, the value is 454,778.00 Cr.. The value appears strong and on an upward trend. It has increased from 361,613.00 Cr. (Mar 2024) to 454,778.00 Cr., marking an increase of 93,165.00 Cr..
  • For Total Assets, as of Mar 2025, the value is 651,519.00 Cr.. The value appears strong and on an upward trend. It has increased from 537,415.00 Cr. (Mar 2024) to 651,519.00 Cr., marking an increase of 114,104.00 Cr..

However, the Borrowings (355,855.00 Cr.) are higher than the Reserves (72,236.00 Cr.), which may signal higher financial risk.

Overall, while many items appear to show a positive trend, any significant downward movement or items where Borrowings exceed Reserves warrant further investigation.

Reserves and Borrowings Chart

Cash Flow - No data available for this post.

Free Cash Flow

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-15.00-21.00-30.00-40.00-55.00-84.00-109.00-109.00-140.00-183.00-248.00-306.00

Free Cash Flow = Income Generated from Operational Activities - Borrowings - Capital Work in Progress (CWIP)

Consistent positive free cash flow is crucial for businesses as it indicates their ability to generate cash from their core operations. It provides financial flexibility, allowing companies to invest in growth opportunities, pay dividends to shareholders, reduce debt, and weather economic downturns more effectively.

Free Cash Flow Chart

Financial Efficiency Indicators

MonthMar 2014Mar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Debtor Days221712191919181716152023
Inventory Days
Days Payable
Cash Conversion Cycle221712191919181716152023
Working Capital Days-1,669-741-341-301-750-644-417-490-493-444-406-374
ROCE %16%15%14%14%13%13%11%10%10%11%12%11%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthSep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025
Promoters60.75%60.75%60.78%60.79%60.69%60.69%60.69%60.64%60.64%60.64%60.64%58.81%
FIIs7.48%7.81%7.03%7.17%7.66%7.91%8.42%8.39%8.24%7.40%7.53%8.40%
DIIs7.01%6.91%7.10%7.30%7.09%7.48%7.33%7.60%8.13%8.91%8.99%10.09%
Public24.60%24.39%24.95%24.66%24.31%23.70%23.38%23.18%22.84%22.93%22.71%22.60%
Others0.16%0.14%0.13%0.10%0.25%0.21%0.18%0.19%0.14%0.12%0.10%0.10%
No. of Shareholders5,63,4326,31,4367,36,5966,91,2346,60,2955,85,2205,67,0417,08,4328,07,3607,77,6807,08,8456,83,279

Shareholding Pattern Chart

No. of Shareholders

Bajaj Finserv Ltd: Intrinsic Value & Share Price Analysis - Shareholder trend analysis

Mutual Fund Holdings

Fund NameNo of SharesAUM (%)Amount Invested (Cr)Previous Number of SharesPrevious DatePercentage Change
SBI Nifty 50 ETF 9,821,839 0.93 1598.319,821,8392025-04-22 17:25:450%
SBI S&P BSE Sensex ETF 6,947,282 1.08 1130.436,947,2822025-04-22 17:25:450%
Axis ELSS Tax Saver Fund 6,083,354 2.95 989.946,083,3542025-04-22 17:25:450%
Axis Focused 25 Fund 3,894,424 4.57 633.743,894,4242025-04-22 17:25:450%
Axis Bluechip Fund 3,809,216 1.9 619.873,809,2162025-04-22 11:41:350%
UTI Nifty 50 ETF 2,719,873 0.93 442.62,719,8732025-04-22 17:25:450%
UTI S&P BSE Sensex ETF 2,396,346 1.08 389.922,396,3462025-04-22 05:07:380%
HDFC Balanced Advantage Fund - Regular Plan 1,869,000 0.39 304.141,869,0002025-04-22 17:25:450%
Nippon India ETF Nifty 50 BeES 1,159,782 0.93 188.731,159,7822025-04-22 09:14:300%
UTI Nifty 50 Index Fund 873,716 0.93 142.18873,7162025-04-22 17:25:450%

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 1.001.001.005.005.00
Basic EPS (Rs.) 55.6051.2040.30286.30280.90
Diluted EPS (Rs.) 55.0050.7040.00286.30280.90
Cash EPS (Rs.) 117.23103.4380.91557.79494.28
Book Value[Excl.RevalReserv]/Share (Rs.) 453.60651.00487.244167.393663.06
Book Value[Incl.RevalReserv]/Share (Rs.) 453.60651.00487.244167.393663.06
Revenue From Operations / Share (Rs.) 838.48692.44515.334298.483807.41
PBDIT / Share (Rs.) 308.33255.11186.421340.451225.48
PBIT / Share (Rs.) 301.00249.46182.161305.091194.16
PBT / Share (Rs.) 148.69134.04105.55708.24619.74
Net Profit / Share (Rs.) 109.9097.7876.66522.43462.96
NP After MI And SOA / Share (Rs.) 55.5951.1140.29286.34280.91
PBDIT Margin (%) 36.7736.8436.1731.1832.18
PBIT Margin (%) 35.8936.0235.3430.3631.36
PBT Margin (%) 17.7319.3520.4816.4716.27
Net Profit Margin (%) 13.1014.1214.8712.1512.15
NP After MI And SOA Margin (%) 6.627.387.816.667.37
Return on Networth / Equity (%) 12.2513.5013.8211.3212.47
Return on Capital Employeed (%) 35.4513.9313.7011.7813.35
Return On Assets (%) 1.361.511.581.361.59
Long Term Debt / Equity (X) 0.002.922.802.642.25
Total Debt / Equity (X) 4.894.774.563.993.57
Asset Turnover Ratio (%) 0.220.230.010.000.00
Current Ratio (X) 1.242.102.062.041.95
Quick Ratio (X) 1.242.102.062.041.95
Dividend Payout Ratio (NP) (%) 1.791.560.991.040.00
Dividend Payout Ratio (CP) (%) 1.581.400.890.930.00
Earning Retention Ratio (%) 98.2198.4499.0198.960.00
Cash Earning Retention Ratio (%) 98.4298.6099.1199.070.00
Interest Coverage Ratio (X) 2.022.212.432.252.13
Interest Coverage Ratio (Post Tax) (X) 1.721.852.001.881.81
Enterprise Value (Cr.) 714801.58580673.63438933.70453552.41300819.87
EV / Net Operating Revenue (X) 5.345.265.356.634.96
EV / EBITDA (X) 14.5314.2814.7821.2615.42
MarketCap / Net Operating Revenue (X) 2.392.372.463.972.54
Retention Ratios (%) 98.2098.4399.0098.950.00
Price / BV (X) 4.424.344.356.744.29
Price / Net Operating Revenue (X) 2.392.372.463.972.54
EarningsYield 0.020.030.030.010.02

After reviewing the key financial ratios for Bajaj Finserv Ltd, here is a detailed analysis based on the latest available data and recent trends:

  • For FaceValue, as of Mar 25, the value is 1.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 1.00.
  • For Basic EPS (Rs.), as of Mar 25, the value is 55.60. This value is within the healthy range. It has increased from 51.20 (Mar 24) to 55.60, marking an increase of 4.40.
  • For Diluted EPS (Rs.), as of Mar 25, the value is 55.00. This value is within the healthy range. It has increased from 50.70 (Mar 24) to 55.00, marking an increase of 4.30.
  • For Cash EPS (Rs.), as of Mar 25, the value is 117.23. This value is within the healthy range. It has increased from 103.43 (Mar 24) to 117.23, marking an increase of 13.80.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 453.60. It has decreased from 651.00 (Mar 24) to 453.60, marking a decrease of 197.40.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 453.60. It has decreased from 651.00 (Mar 24) to 453.60, marking a decrease of 197.40.
  • For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 838.48. It has increased from 692.44 (Mar 24) to 838.48, marking an increase of 146.04.
  • For PBDIT / Share (Rs.), as of Mar 25, the value is 308.33. This value is within the healthy range. It has increased from 255.11 (Mar 24) to 308.33, marking an increase of 53.22.
  • For PBIT / Share (Rs.), as of Mar 25, the value is 301.00. This value is within the healthy range. It has increased from 249.46 (Mar 24) to 301.00, marking an increase of 51.54.
  • For PBT / Share (Rs.), as of Mar 25, the value is 148.69. This value is within the healthy range. It has increased from 134.04 (Mar 24) to 148.69, marking an increase of 14.65.
  • For Net Profit / Share (Rs.), as of Mar 25, the value is 109.90. This value is within the healthy range. It has increased from 97.78 (Mar 24) to 109.90, marking an increase of 12.12.
  • For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 55.59. This value is within the healthy range. It has increased from 51.11 (Mar 24) to 55.59, marking an increase of 4.48.
  • For PBDIT Margin (%), as of Mar 25, the value is 36.77. This value is within the healthy range. It has decreased from 36.84 (Mar 24) to 36.77, marking a decrease of 0.07.
  • For PBIT Margin (%), as of Mar 25, the value is 35.89. This value exceeds the healthy maximum of 20. It has decreased from 36.02 (Mar 24) to 35.89, marking a decrease of 0.13.
  • For PBT Margin (%), as of Mar 25, the value is 17.73. This value is within the healthy range. It has decreased from 19.35 (Mar 24) to 17.73, marking a decrease of 1.62.
  • For Net Profit Margin (%), as of Mar 25, the value is 13.10. This value exceeds the healthy maximum of 10. It has decreased from 14.12 (Mar 24) to 13.10, marking a decrease of 1.02.
  • For NP After MI And SOA Margin (%), as of Mar 25, the value is 6.62. This value is below the healthy minimum of 8. It has decreased from 7.38 (Mar 24) to 6.62, marking a decrease of 0.76.
  • For Return on Networth / Equity (%), as of Mar 25, the value is 12.25. This value is below the healthy minimum of 15. It has decreased from 13.50 (Mar 24) to 12.25, marking a decrease of 1.25.
  • For Return on Capital Employeed (%), as of Mar 25, the value is 35.45. This value is within the healthy range. It has increased from 13.93 (Mar 24) to 35.45, marking an increase of 21.52.
  • For Return On Assets (%), as of Mar 25, the value is 1.36. This value is below the healthy minimum of 5. It has decreased from 1.51 (Mar 24) to 1.36, marking a decrease of 0.15.
  • For Long Term Debt / Equity (X), as of Mar 25, the value is 0.00. This value is below the healthy minimum of 0.2. It has decreased from 2.92 (Mar 24) to 0.00, marking a decrease of 2.92.
  • For Total Debt / Equity (X), as of Mar 25, the value is 4.89. This value exceeds the healthy maximum of 1. It has increased from 4.77 (Mar 24) to 4.89, marking an increase of 0.12.
  • For Asset Turnover Ratio (%), as of Mar 25, the value is 0.22. It has decreased from 0.23 (Mar 24) to 0.22, marking a decrease of 0.01.
  • For Current Ratio (X), as of Mar 25, the value is 1.24. This value is below the healthy minimum of 1.5. It has decreased from 2.10 (Mar 24) to 1.24, marking a decrease of 0.86.
  • For Quick Ratio (X), as of Mar 25, the value is 1.24. This value is within the healthy range. It has decreased from 2.10 (Mar 24) to 1.24, marking a decrease of 0.86.
  • For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 1.79. This value is below the healthy minimum of 20. It has increased from 1.56 (Mar 24) to 1.79, marking an increase of 0.23.
  • For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 1.58. This value is below the healthy minimum of 20. It has increased from 1.40 (Mar 24) to 1.58, marking an increase of 0.18.
  • For Earning Retention Ratio (%), as of Mar 25, the value is 98.21. This value exceeds the healthy maximum of 70. It has decreased from 98.44 (Mar 24) to 98.21, marking a decrease of 0.23.
  • For Cash Earning Retention Ratio (%), as of Mar 25, the value is 98.42. This value exceeds the healthy maximum of 70. It has decreased from 98.60 (Mar 24) to 98.42, marking a decrease of 0.18.
  • For Interest Coverage Ratio (X), as of Mar 25, the value is 2.02. This value is below the healthy minimum of 3. It has decreased from 2.21 (Mar 24) to 2.02, marking a decrease of 0.19.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.72. This value is below the healthy minimum of 3. It has decreased from 1.85 (Mar 24) to 1.72, marking a decrease of 0.13.
  • For Enterprise Value (Cr.), as of Mar 25, the value is 714,801.58. It has increased from 580,673.63 (Mar 24) to 714,801.58, marking an increase of 134,127.95.
  • For EV / Net Operating Revenue (X), as of Mar 25, the value is 5.34. This value exceeds the healthy maximum of 3. It has increased from 5.26 (Mar 24) to 5.34, marking an increase of 0.08.
  • For EV / EBITDA (X), as of Mar 25, the value is 14.53. This value is within the healthy range. It has increased from 14.28 (Mar 24) to 14.53, marking an increase of 0.25.
  • For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 2.39. This value is within the healthy range. It has increased from 2.37 (Mar 24) to 2.39, marking an increase of 0.02.
  • For Retention Ratios (%), as of Mar 25, the value is 98.20. This value exceeds the healthy maximum of 70. It has decreased from 98.43 (Mar 24) to 98.20, marking a decrease of 0.23.
  • For Price / BV (X), as of Mar 25, the value is 4.42. This value exceeds the healthy maximum of 3. It has increased from 4.34 (Mar 24) to 4.42, marking an increase of 0.08.
  • For Price / Net Operating Revenue (X), as of Mar 25, the value is 2.39. This value is within the healthy range. It has increased from 2.37 (Mar 24) to 2.39, marking an increase of 0.02.
  • For EarningsYield, as of Mar 25, the value is 0.02. This value is below the healthy minimum of 5. It has decreased from 0.03 (Mar 24) to 0.02, marking a decrease of 0.01.

Overall, while many metrics show healthy performance, any figures highlighted in red or significant downward trends warrant further investigation.

Profitability Ratios (%)

Liquidity Ratios

Liquidity Ratios (%)

Interest Coverage Ratios (%)

Valuation Ratios

Fair Value

Fair Value of Bajaj Finserv Ltd as of October 26, 2025 is: 1,758.81

Calculation basis:

  • Fair value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.

This formula allows us to gauge the fair value of the stock by analyzing its fundamental indicators.

As of October 26, 2025, Bajaj Finserv Ltd is Overvalued by 18.57% compared to the current share price 2,160.00

Intrinsic Value of Bajaj Finserv Ltd as of October 26, 2025 is: 2,036.86

Calculation basis:

  • Intrinsic value = P/E Ratio * (Return on Equity / 100) * Book Value * (1 + Dividend Yield / 100) * (1 + EPS CAGR for Last 5 Years)
  • P/E Ratio (Price-to-Earnings Ratio): Represents the price of the stock relative to its earnings per share. A higher P/E ratio indicates that investors are willing to pay a higher price for the stock.
  • Return on Equity (ROE): Measures a company's profitability relative to its shareholder equity. It showcases the company's ability to generate profits using the investment made by its shareholders, offering valuable insight into its operational efficiency and financial performance.
  • Book Value: Represents the net asset value of the company per share. It is calculated as the total assets minus intangible assets and liabilities, divided by the number of outstanding shares.
  • Dividend Yield: The ratio of the annual dividend per share to the current market price per share. It offers valuable insights into the profitability of an investment through dividends.
  • EPS CAGR (Compound Annual Growth Rate): Represents the geometric mean growth rate of earnings per share over the last 5 years. It provides insight into the historical growth trajectory of the company's earnings.

This formula allows us to gauge the intrinsic value of the stock by analyzing its fundamental indicators along with EPS growth.

As of October 26, 2025, Bajaj Finserv Ltd is Overvalued by 5.70% compared to the current share price 2,160.00

Last 5 Year EPS CAGR: 15.81%

*Investments are subject to market risks

Strength and Weakness

StrengthWeakness
  1. The stock has a low average Working Capital Days of -450.17, which is a positive sign.
  2. The company has shown consistent growth in sales (59.92 cr) and profit (10.62 cr) over the years.
  1. The stock has a low average ROCE of 12.50%, which may not be favorable.
  2. The stock has a high average Cash Conversion Cycle of 18.08, which may not be favorable.
  3. The company has higher borrowings (130,793.08) compared to reserves (31,640.50), which may suggest financial risk.

Stock Analysis

  • Considering all of the following key financial indicators, prospective investors are encouraged to conduct thorough research and seek professional guidance before considering any investment in Bajaj Finserv Ltd:
    1. Net Profit Margin: 13.1%
      • Net Profit Margin: This metric indicates the percentage of profit a company makes from its total revenue. A higher net profit margin is generally desirable as it reflects better profitability.
    2. ROCE: 35.45% (Industry Average ROCE: 12.46%)
      • ROCE (Return on Capital Employed): ROCE measures a company's profitability and the efficiency with which its capital is employed. A higher ROCE indicates efficient use of capital.
    3. ROE%: 12.25% (Industry Average ROE: 13.71%)
      • ROE (Return on Equity): ROE measures a company's profitability relative to shareholders' equity. A higher ROE indicates efficient use of shareholders' funds.
    4. Interest Coverage Ratio (Post Tax): 1.72
      • Interest Coverage Ratio: The interest coverage ratio measures a company's ability to cover its interest payments on outstanding debt. A ratio greater than 2 is generally considered healthy as it indicates the company can meet its interest obligations comfortably.
    5. Quick Ratio: 1.24
      • Quick Ratio: The quick ratio assesses a company's ability to cover its short-term liabilities with its most liquid assets. A ratio higher than 1 suggests the company can meet its short-term obligations without relying heavily on inventory.
    6. Stock P/E: 36.2 (Industry average Stock P/E: 28.81)
      • Stock P/E (Price-to-Earnings) Ratio: The P/E ratio compares a company's current share price to its earnings per share. A lower P/E ratio relative to industry peers or historical values may indicate that the stock is undervalued.
    7. Total Debt / Equity: 4.89
      • Total Debt / Equity: This ratio measures a company's financial leverage by comparing its total debt to its total equity. A lower ratio indicates lower financial risk and greater financial stability.
    The current analysis is available for review. It's important to conduct thorough research and consider consulting with financial professionals before making any investment decisions.
    Stock Rating:

About the Company - Qualitative Analysis

Bajaj Finserv Ltd. is a Public Limited Listed company incorporated on 30/04/2007 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65923PN2007PLC130075 and registration number is 130075. Currently Company is involved in the business activities of Life insurance. Company's Total Operating Revenue is Rs. 2261.68 Cr. and Equity Capital is Rs. 159.60 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Holding CompanyBajaj Auto Limited Complex, Mumbai - Pune Road, Pune Maharashtra 411035investors@bajajfinserv.in
https://www.aboutbajajfinserv.com/about-us
Management
NamePosition Held
Mr. Sanjiv BajajChairman & Managing Director
Mrs. Radhika HaribhaktiDirector
Mr. Rajiv BajajDirector
Mr. Pramit JhaveriDirector
Dr. Naushad ForbesDirector
Mr. Anami N RoyDirector
Mr. Manish KejriwalDirector
Mr. Sanjiv SahaiDirector
Mr. Rajeev JainDirector

FAQ

What is the intrinsic value of Bajaj Finserv Ltd?

Bajaj Finserv Ltd's intrinsic value (as of 26 October 2025) is 1758.81 which is 18.57% lower the current market price of 2,160.00, indicating overvalued. Calculated using the PE ratio method, this valuation considers the company's 3,45,048 Cr. market cap, FY2025-2026 high/low of 2,195/1,552, reserves of ₹72,236 Cr, and liabilities of 651,519 Cr.

What is the Market Cap of Bajaj Finserv Ltd?

The Market Cap of Bajaj Finserv Ltd is 3,45,048 Cr..

What is the current Stock Price of Bajaj Finserv Ltd as on 26 October 2025?

The current stock price of Bajaj Finserv Ltd as on 26 October 2025 is 2,160.

What is the High / Low of Bajaj Finserv Ltd stocks in FY 2025-2026?

In FY 2025-2026, the High / Low of Bajaj Finserv Ltd stocks is 2,195/1,552.

What is the Stock P/E of Bajaj Finserv Ltd?

The Stock P/E of Bajaj Finserv Ltd is 36.2.

What is the Book Value of Bajaj Finserv Ltd?

The Book Value of Bajaj Finserv Ltd is 453.

What is the Dividend Yield of Bajaj Finserv Ltd?

The Dividend Yield of Bajaj Finserv Ltd is 0.05 %.

What is the ROCE of Bajaj Finserv Ltd?

The ROCE of Bajaj Finserv Ltd is 11.0 %.

What is the ROE of Bajaj Finserv Ltd?

The ROE of Bajaj Finserv Ltd is 13.4 %.

What is the Face Value of Bajaj Finserv Ltd?

The Face Value of Bajaj Finserv Ltd is 1.00.

Disclaimer: This article is for informational purposes only and should not be construed as financial advice. The author is not a SEBI registered financial advisor and does not have any vested interest in Bajaj Finserv Ltd. Investors are advised to conduct their own due diligence and consult with a financial professional before making any investment decisions. The information provided in this article is based on publicly available data and the author's analysis, but it may not be comprehensive or up-to-date. The author and getaka.co.in are not responsible for any errors or omissions in the content. This article is not intended to promote any particular investment strategy or recommendation, and readers should consult with their own financial advisors before making any investment decisions. Data Source: NSE
Explore More Stocks