Generic selectors
Exact matches only
Search in title
Search in content
Post Type Selectors
post
Last Updated: February 21, 2026, 11:56 am
Author: Getaka|Social: XLinkedIn
Stock Ticker - BSE: 500034 | NSE: BAJFINANCE

Bajaj Finance Ltd: Intrinsic Value & Share Price Analysis

Share Price and Basic Stock Data

Last Updated: February 21, 2026, 11:56 am

Market Cap 6,41,040 Cr.
Current Price 1,030
Intrinsic Value₹1,085.96
High / Low 1,102/810
Stock P/E35.2
Book Value 166
Dividend Yield0.43 %
ROCE11.4 %
ROE19.2 %
Face Value 1.00
PEG Ratio1.72

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

View Share Price Target for Bajaj Finance Ltd

Competitors

Stock Name ⇩Market Cap ⇩Current Price ⇩High / Low ⇩Stock P/E ⇩Book Value ⇩Dividend Yield ⇩ROCE ⇩ROE ⇩Face Value ⇩
Minolta Finance Ltd 13.3 Cr. 1.33 1.66/1.00 1.070.00 %0.40 %0.09 % 1.00
Money Masters Leasing & Finance Ltd 7.83 Cr. 0.78 3.14/0.5811.7 1.570.00 %4.42 %3.94 % 1.00
Moneyboxx Finance Ltd 402 Cr. 61.5 125/44.0 40.10.00 %8.65 %0.58 % 10.0
Moongipa Capital Finance Ltd 15.1 Cr. 16.5 24.7/14.812.5 26.60.00 %12.1 %9.43 % 10.0
Morarka Finance Ltd 27.8 Cr. 61.8 138/57.615.0 2381.62 %2.46 %2.17 % 10.0
Industry Average29,034.94 Cr397.6198.82513.450.23%15.81%8.84%8.50

All Competitor Stocks of Bajaj Finance Ltd

Quarterly Result

MetricDec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Revenue10,78711,36412,49813,38214,16414,92616,10017,09118,03518,45719,52420,17921,214
Interest 3,3513,5924,1034,5374,8685,2175,6846,1496,3866,5526,9187,0117,339
Expenses 3,3083,3823,6933,9314,2294,4204,9565,3385,6916,0265,9926,3077,938
Financing Profit4,1294,3904,7034,9145,0665,2895,4605,6045,9585,8796,6146,8615,937
Financing Margin %38%39%38%37%36%35%34%33%33%32%34%34%28%
Other Income 25525957262155-262
Depreciation 119134156159176193200210219252251258244
Profit before tax 4,0124,2614,5514,7584,8965,1055,2655,4015,7655,6476,3686,6085,431
Tax % 26%26%24%25%26%25%26%26%25%20%25%25%25%
Net Profit 2,9733,1583,4373,5513,6393,8253,9124,0144,3084,5464,7654,9484,066
EPS in Rs 4.915.225.675.865.896.186.326.466.867.217.567.846.39
Gross NPA %1.14%0.94%0.87%0.91%0.95%0.85%0.86%1.06%1.12%0.96%1.03%1.24%
Net NPA %0.41%0.34%0.31%0.31%0.37%0.37%0.38%0.46%0.48%0.44%0.50%0.60%

Last Updated: February 6, 2026, 2:16 pm

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

  • For Interest, as of Dec 2025, the value is 7,339.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 7,011.00 Cr. (Sep 2025) to 7,339.00 Cr., marking an increase of 328.00 Cr..
  • For Expenses, as of Dec 2025, the value is 7,938.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 6,307.00 Cr. (Sep 2025) to 7,938.00 Cr., marking an increase of 1,631.00 Cr..
  • For Other Income, as of Dec 2025, the value is -262.00 Cr.. The value appears to be declining and may need further review. It has decreased from 5.00 Cr. (Sep 2025) to -262.00 Cr., marking a decrease of 267.00 Cr..
  • For Depreciation, as of Dec 2025, the value is 244.00 Cr.. The value appears to be improving (decreasing) as expected. It has decreased from 258.00 Cr. (Sep 2025) to 244.00 Cr., marking a decrease of 14.00 Cr..
  • For Profit before tax, as of Dec 2025, the value is 5,431.00 Cr.. The value appears to be declining and may need further review. It has decreased from 6,608.00 Cr. (Sep 2025) to 5,431.00 Cr., marking a decrease of 1,177.00 Cr..
  • For Tax %, as of Dec 2025, the value is 25.00%. The value remains steady. There is no change compared to the previous period (Sep 2025) which recorded 25.00%.
  • For Net Profit, as of Dec 2025, the value is 4,066.00 Cr.. The value appears to be declining and may need further review. It has decreased from 4,948.00 Cr. (Sep 2025) to 4,066.00 Cr., marking a decrease of 882.00 Cr..
  • For EPS in Rs, as of Dec 2025, the value is 6.39. The value appears to be declining and may need further review. It has decreased from 7.84 (Sep 2025) to 6.39, marking a decrease of 1.45.

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: December 15, 2025, 5:36 am

MetricMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025TTM
Revenue5,3927,2999,97012,74618,48726,37426,67331,64141,41154,97469,70976,195
Interest 2,2742,9593,8534,6966,7239,6089,5199,85512,70118,88624,99226,867
Expenses 1,7522,3543,2504,1155,4549,15910,83911,88012,69316,09921,75424,016
Financing Profit1,3671,9862,8673,9356,3107,6086,3149,90616,01819,98922,96325,312
Financing Margin %25%27%29%31%34%29%24%31%39%36%33%33%
Other Income 263522101393-17-54-257
Depreciation 365671102144295325385485683881981
Profit before tax 1,3571,9652,8173,8436,1797,3225,9929,50415,52819,31022,08024,389
Tax % 34%35%35%35%35%28%26%26%26%25%24%
Net Profit 8981,2791,8362,4963,9955,2644,4207,02811,50814,45116,77918,567
EPS in Rs 1.792.373.344.326.918.757.3311.6119.0123.3526.7729.47
Dividend Payout % 10%10%11%9%9%11%14%17%16%15%21%

Profit & Loss Yearly Chart

YoY Net Profit Growth

Year2015-20162016-20172017-20182018-20192019-20202020-20212021-20222022-20232023-20242024-2025
YoY Net Profit Growth (%)42.43%43.55%35.95%60.06%31.76%-16.03%59.00%63.75%25.57%16.11%
Change in YoY Net Profit Growth (%)0.00%1.12%-7.60%24.11%-28.29%-47.80%75.04%4.74%-38.17%-9.46%

Bajaj Finance Ltd has shown an inconsistent trend in YoY Net Profit Growth (%) in the last 10 years from 2015-2016 to 2024-2025.

Growth

Compounded Sales Growth
10 Years:29%
5 Years:21%
3 Years:30%
TTM:25%
Compounded Profit Growth
10 Years:34%
5 Years:26%
3 Years:33%
TTM:17%
Stock Price CAGR
10 Years:34%
5 Years:21%
3 Years:9%
1 Year:28%
Return on Equity
10 Years:20%
5 Years:20%
3 Years:21%
Last Year:19%

Last Updated: September 5, 2025, 12:20 am

Balance Sheet

Last Updated: December 4, 2025, 1:00 am

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025Sep 2025
Equity Capital 5054109115115120120121121124124622
Reserves 4,7507,3739,49115,73319,58232,20836,79843,59254,25176,57296,569102,592
Borrowing26,65537,02549,25066,557101,588129,806131,634165,232216,690293,346361,249397,401
Other Liabilities 1,3252,5224,8812,3932,9482,2572,9183,5624,1645,7008,1859,346
Total Liabilities 32,78046,97363,73184,798124,233164,391171,470212,506275,226375,742466,127509,961
Fixed Assets 2522903664706951,3211,3161,7162,3083,2503,7803,752
CWIP 000000513480434133
Investments 3261,0294,0703,1398,59917,54418,39712,24622,75230,88134,44133,751
Other Assets 32,20145,65459,29581,189114,939145,526151,707198,510250,087341,568427,865472,425
Total Assets 32,78046,97363,73184,798124,233164,391171,470212,506275,226375,742466,127509,961

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

  • For Equity Capital, as of Sep 2025, the value is 622.00 Cr.. The value appears strong and on an upward trend. It has increased from 124.00 Cr. (Mar 2025) to 622.00 Cr., marking an increase of 498.00 Cr..
  • For Reserves, as of Sep 2025, the value is 102,592.00 Cr.. The value appears strong and on an upward trend. It has increased from 96,569.00 Cr. (Mar 2025) to 102,592.00 Cr., marking an increase of 6,023.00 Cr..
  • For Other Liabilities, as of Sep 2025, the value is 9,346.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 8,185.00 Cr. (Mar 2025) to 9,346.00 Cr., marking an increase of 1,161.00 Cr..
  • For Total Liabilities, as of Sep 2025, the value is 509,961.00 Cr.. The value appears to be increasing, which may not be favorable. It has increased from 466,127.00 Cr. (Mar 2025) to 509,961.00 Cr., marking an increase of 43,834.00 Cr..
  • For Fixed Assets, as of Sep 2025, the value is 3,752.00 Cr.. The value appears to be declining and may need further review. It has decreased from 3,780.00 Cr. (Mar 2025) to 3,752.00 Cr., marking a decrease of 28.00 Cr..
  • For CWIP, as of Sep 2025, the value is 33.00 Cr.. The value appears to be declining and may need further review. It has decreased from 41.00 Cr. (Mar 2025) to 33.00 Cr., marking a decrease of 8.00 Cr..
  • For Investments, as of Sep 2025, the value is 33,751.00 Cr.. The value appears to be declining and may need further review. It has decreased from 34,441.00 Cr. (Mar 2025) to 33,751.00 Cr., marking a decrease of 690.00 Cr..
  • For Other Assets, as of Sep 2025, the value is 472,425.00 Cr.. The value appears strong and on an upward trend. It has increased from 427,865.00 Cr. (Mar 2025) to 472,425.00 Cr., marking an increase of 44,560.00 Cr..
  • For Total Assets, as of Sep 2025, the value is 509,961.00 Cr.. The value appears strong and on an upward trend. It has increased from 466,127.00 Cr. (Mar 2025) to 509,961.00 Cr., marking an increase of 43,834.00 Cr..

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

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Cash from Operating Activity + -7,064-9,870-10,439-20,566-29,062-24,412-807-37,090-42,112-69,843-68,154
Cash from Investing Activity + -360-687-3,0471,075-5,379-8,758-4296,347-10,394-10,088-2,765
Cash from Financing Activity + 6,86711,65612,51319,50334,44934,1671,74132,27550,67582,41570,527
Net Cash Flow -5571,100-9721399985051,532-1,8312,484-392

Free Cash Flow

MonthMar 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
Free Cash Flow-25.00-35.00-46.00-62.00-96.00-120.00-121.00-154.00-204.00-277.00-340.00

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 2015Mar 2016Mar 2017Mar 2018Mar 2019Mar 2020Mar 2021Mar 2022Mar 2023Mar 2024Mar 2025
ROE % 21%22%20%22%20%13%17%23%22%19%

Financial Efficiency Indicators Chart

Share Holding Pattern

MonthMar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025
Promoters 55.91%55.87%55.87%54.78%54.69%54.70%54.70%54.70%54.73%54.73%54.67%54.70%
FIIs 19.16%20.09%20.41%20.92%20.55%21.08%20.81%20.79%21.45%21.71%21.97%21.49%
DIIs 12.92%12.83%13.05%14.01%14.33%14.23%15.01%15.08%14.78%14.52%14.39%14.86%
Government 0.07%0.07%0.07%0.07%0.07%0.09%0.09%0.08%0.08%0.08%0.08%0.08%
Public 11.75%10.99%10.50%10.17%10.19%9.83%9.36%9.32%8.84%8.92%8.78%8.77%
Others 0.17%0.13%0.10%0.05%0.16%0.08%0.05%0.04%0.10%0.03%0.12%0.10%
No. of Shareholders 8,90,7067,84,8837,26,5837,45,0407,99,1998,05,2417,81,9137,91,3927,05,6108,99,7779,41,9999,61,994

Shareholding Pattern Chart

No. of Shareholders

Bajaj Finance 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 Equity Hybrid Fund 21,000,000 2.5 2072.283,515,8332025-12-08 00:46:22497.3%
SBI Focused Fund 17,900,000 4.09 1766.37N/AN/AN/A
UTI Flexi Cap Fund 15,505,000 6.14 1530.0315,580,0002026-01-26 08:22:18-0.48%
Nippon India Large Cap Fund 14,648,655 2.84 1445.53N/AN/AN/A
Axis Large Cap Fund 13,060,685 3.84 1288.8315,838,0802026-01-26 08:22:18-17.54%
Axis ELSS Tax Saver Fund 11,942,237 3.44 1178.4614,928,7152026-01-26 04:48:58-20%
Kotak Flexicap Fund 10,400,000 1.82 1026.279,000,0002025-12-15 01:04:5415.56%
Nippon India Multi Cap Fund 8,381,970 1.64 827.13N/AN/AN/A
SBI Flexicap Fund 8,215,850 3.42 810.74N/AN/AN/A
DSP Flexi Cap Fund 6,836,816 5.47 674.66N/AN/AN/A

ROCE Trend

EPS Trend

Key Financial Ratios

MonthMar 25Mar 24Mar 23Mar 22Mar 21
FaceValue 2.002.002.002.002.00
Basic EPS (Rs.) 268.94236.89190.53116.6473.58
Diluted EPS (Rs.) 268.94235.98189.57115.7973.00
Cash EPS (Rs.) 284.17244.77198.39122.8778.87
Book Value[Excl.RevalReserv]/Share (Rs.) 1557.431241.03899.53724.56613.67
Book Value[Incl.RevalReserv]/Share (Rs.) 1557.431241.03899.53724.56613.67
Revenue From Operations / Share (Rs.) 1122.39889.47684.88524.32443.29
PBDIT / Share (Rs.) 768.52626.37472.69325.49261.49
PBIT / Share (Rs.) 754.33615.32464.65319.11256.09
PBT / Share (Rs.) 355.35312.33256.86157.5399.61
Net Profit / Share (Rs.) 269.98233.71190.35116.5073.47
NP After MI And SOA / Share (Rs.) 267.98233.84190.38116.5073.47
PBDIT Margin (%) 68.4770.4269.0162.0758.99
PBIT Margin (%) 67.2069.1767.8460.8657.77
PBT Margin (%) 31.6635.1137.5030.0422.46
Net Profit Margin (%) 24.0526.2727.7922.2116.57
NP After MI And SOA Margin (%) 23.8726.2827.7922.2116.57
Return on Networth / Equity (%) 17.2018.8421.1616.0711.97
Return on Capital Employeed (%) 46.7948.9250.9443.2540.81
Return On Assets (%) 3.563.844.183.302.57
Total Debt / Equity (X) 3.743.823.993.783.57
Asset Turnover Ratio (%) 0.160.160.160.160.15
Current Ratio (X) 1.261.241.231.251.26
Quick Ratio (X) 1.261.241.231.251.26
Dividend Payout Ratio (NP) (%) 13.3812.5610.498.570.00
Dividend Payout Ratio (CP) (%) 12.7011.9910.068.120.00
Earning Retention Ratio (%) 86.6287.4489.5191.430.00
Cash Earning Retention Ratio (%) 87.3088.0189.9491.880.00
Interest Coverage Ratio (X) 1.932.072.272.011.67
Interest Coverage Ratio (Post Tax) (X) 1.681.771.921.721.47
Enterprise Value (Cr.) 905532.27730175.45551808.82599493.12439227.02
EV / Net Operating Revenue (X) 12.9913.2813.3318.9516.47
EV / EBITDA (X) 18.9818.8619.3130.5327.92
MarketCap / Net Operating Revenue (X) 7.978.148.2013.8411.62
Retention Ratios (%) 86.6187.4389.5091.420.00
Price / BV (X) 5.755.836.2410.028.39
Price / Net Operating Revenue (X) 7.978.148.2013.8411.62
EarningsYield 0.020.030.030.010.01

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

  • For FaceValue, as of Mar 25, the value is 2.00. This value is within the healthy range. There is no change compared to the previous period (Mar 24) which recorded 2.00.
  • For Basic EPS (Rs.), as of Mar 25, the value is 268.94. This value is within the healthy range. It has increased from 236.89 (Mar 24) to 268.94, marking an increase of 32.05.
  • For Diluted EPS (Rs.), as of Mar 25, the value is 268.94. This value is within the healthy range. It has increased from 235.98 (Mar 24) to 268.94, marking an increase of 32.96.
  • For Cash EPS (Rs.), as of Mar 25, the value is 284.17. This value is within the healthy range. It has increased from 244.77 (Mar 24) to 284.17, marking an increase of 39.40.
  • For Book Value[Excl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1,557.43. It has increased from 1,241.03 (Mar 24) to 1,557.43, marking an increase of 316.40.
  • For Book Value[Incl.RevalReserv]/Share (Rs.), as of Mar 25, the value is 1,557.43. It has increased from 1,241.03 (Mar 24) to 1,557.43, marking an increase of 316.40.
  • For Revenue From Operations / Share (Rs.), as of Mar 25, the value is 1,122.39. It has increased from 889.47 (Mar 24) to 1,122.39, marking an increase of 232.92.
  • For PBDIT / Share (Rs.), as of Mar 25, the value is 768.52. This value is within the healthy range. It has increased from 626.37 (Mar 24) to 768.52, marking an increase of 142.15.
  • For PBIT / Share (Rs.), as of Mar 25, the value is 754.33. This value is within the healthy range. It has increased from 615.32 (Mar 24) to 754.33, marking an increase of 139.01.
  • For PBT / Share (Rs.), as of Mar 25, the value is 355.35. This value is within the healthy range. It has increased from 312.33 (Mar 24) to 355.35, marking an increase of 43.02.
  • For Net Profit / Share (Rs.), as of Mar 25, the value is 269.98. This value is within the healthy range. It has increased from 233.71 (Mar 24) to 269.98, marking an increase of 36.27.
  • For NP After MI And SOA / Share (Rs.), as of Mar 25, the value is 267.98. This value is within the healthy range. It has increased from 233.84 (Mar 24) to 267.98, marking an increase of 34.14.
  • For PBDIT Margin (%), as of Mar 25, the value is 68.47. This value is within the healthy range. It has decreased from 70.42 (Mar 24) to 68.47, marking a decrease of 1.95.
  • For PBIT Margin (%), as of Mar 25, the value is 67.20. This value exceeds the healthy maximum of 20. It has decreased from 69.17 (Mar 24) to 67.20, marking a decrease of 1.97.
  • For PBT Margin (%), as of Mar 25, the value is 31.66. This value is within the healthy range. It has decreased from 35.11 (Mar 24) to 31.66, marking a decrease of 3.45.
  • For Net Profit Margin (%), as of Mar 25, the value is 24.05. This value exceeds the healthy maximum of 10. It has decreased from 26.27 (Mar 24) to 24.05, marking a decrease of 2.22.
  • For NP After MI And SOA Margin (%), as of Mar 25, the value is 23.87. This value exceeds the healthy maximum of 20. It has decreased from 26.28 (Mar 24) to 23.87, marking a decrease of 2.41.
  • For Return on Networth / Equity (%), as of Mar 25, the value is 17.20. This value is within the healthy range. It has decreased from 18.84 (Mar 24) to 17.20, marking a decrease of 1.64.
  • For Return on Capital Employeed (%), as of Mar 25, the value is 46.79. This value is within the healthy range. It has decreased from 48.92 (Mar 24) to 46.79, marking a decrease of 2.13.
  • For Return On Assets (%), as of Mar 25, the value is 3.56. This value is below the healthy minimum of 5. It has decreased from 3.84 (Mar 24) to 3.56, marking a decrease of 0.28.
  • For Total Debt / Equity (X), as of Mar 25, the value is 3.74. This value exceeds the healthy maximum of 1. It has decreased from 3.82 (Mar 24) to 3.74, marking a decrease of 0.08.
  • For Asset Turnover Ratio (%), as of Mar 25, the value is 0.16. There is no change compared to the previous period (Mar 24) which recorded 0.16.
  • For Current Ratio (X), as of Mar 25, the value is 1.26. This value is below the healthy minimum of 1.5. It has increased from 1.24 (Mar 24) to 1.26, marking an increase of 0.02.
  • For Quick Ratio (X), as of Mar 25, the value is 1.26. This value is within the healthy range. It has increased from 1.24 (Mar 24) to 1.26, marking an increase of 0.02.
  • For Dividend Payout Ratio (NP) (%), as of Mar 25, the value is 13.38. This value is below the healthy minimum of 20. It has increased from 12.56 (Mar 24) to 13.38, marking an increase of 0.82.
  • For Dividend Payout Ratio (CP) (%), as of Mar 25, the value is 12.70. This value is below the healthy minimum of 20. It has increased from 11.99 (Mar 24) to 12.70, marking an increase of 0.71.
  • For Earning Retention Ratio (%), as of Mar 25, the value is 86.62. This value exceeds the healthy maximum of 70. It has decreased from 87.44 (Mar 24) to 86.62, marking a decrease of 0.82.
  • For Cash Earning Retention Ratio (%), as of Mar 25, the value is 87.30. This value exceeds the healthy maximum of 70. It has decreased from 88.01 (Mar 24) to 87.30, marking a decrease of 0.71.
  • For Interest Coverage Ratio (X), as of Mar 25, the value is 1.93. This value is below the healthy minimum of 3. It has decreased from 2.07 (Mar 24) to 1.93, marking a decrease of 0.14.
  • For Interest Coverage Ratio (Post Tax) (X), as of Mar 25, the value is 1.68. This value is below the healthy minimum of 3. It has decreased from 1.77 (Mar 24) to 1.68, marking a decrease of 0.09.
  • For Enterprise Value (Cr.), as of Mar 25, the value is 905,532.27. It has increased from 730,175.45 (Mar 24) to 905,532.27, marking an increase of 175,356.82.
  • For EV / Net Operating Revenue (X), as of Mar 25, the value is 12.99. This value exceeds the healthy maximum of 3. It has decreased from 13.28 (Mar 24) to 12.99, marking a decrease of 0.29.
  • For EV / EBITDA (X), as of Mar 25, the value is 18.98. This value exceeds the healthy maximum of 15. It has increased from 18.86 (Mar 24) to 18.98, marking an increase of 0.12.
  • For MarketCap / Net Operating Revenue (X), as of Mar 25, the value is 7.97. This value exceeds the healthy maximum of 3. It has decreased from 8.14 (Mar 24) to 7.97, marking a decrease of 0.17.
  • For Retention Ratios (%), as of Mar 25, the value is 86.61. This value exceeds the healthy maximum of 70. It has decreased from 87.43 (Mar 24) to 86.61, marking a decrease of 0.82.
  • For Price / BV (X), as of Mar 25, the value is 5.75. This value exceeds the healthy maximum of 3. It has decreased from 5.83 (Mar 24) to 5.75, marking a decrease of 0.08.
  • For Price / Net Operating Revenue (X), as of Mar 25, the value is 7.97. This value exceeds the healthy maximum of 3. It has decreased from 8.14 (Mar 24) to 7.97, marking a decrease of 0.17.
  • 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 Finance Ltd as of February 22, 2026 is: ₹901.37

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 February 22, 2026, Bajaj Finance Ltd is Overvalued by 12.49% compared to the current share price ₹1,030.00

Intrinsic Value of Bajaj Finance Ltd as of February 22, 2026 is: ₹1,085.96

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 February 22, 2026, Bajaj Finance Ltd is Undervalued by 5.43% compared to the current share price ₹1,030.00

Last 5 Year EPS CAGR: 20.48%

*Investments are subject to market risks

Strength and Weakness

Unable to fetch valid data for stock valuation.

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 Finance Ltd:
    1. Net Profit Margin: 24.05%
      • 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: 46.79% (Industry Average ROCE: 15.81%)
      • 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%: 17.2% (Industry Average ROE: 8.84%)
      • 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): 1.68
      • 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: 1.26
      • 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: 35.2 (Industry average Stock P/E: 98.82)
      • 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: 3.74
      • 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 Finance Ltd. is a Public Limited Listed company incorporated on 25/03/1987 and has its registered office in the State of Maharashtra, India. Company's Corporate Identification Number(CIN) is L65910MH1987PLC042961 and registration number is 042961. Currently Company is involved in the business activities of Financial service activities, except insurance and pension funding. Company's Total Operating Revenue is Rs. 59379.74 Cr. and Equity Capital is Rs. 124.17 Cr. for the Year ended 31/03/2025.
INDUSTRYADDRESSCONTACT
Non-Banking Financial Company (NBFC)C/o Bajaj Auto Ltd., Akurdi, Pune Maharashtra 411035Contact not found
Management
NamePosition Held
Mr. Sanjiv BajajChairman
Mr. Rajeev JainVice Chairman
Mr. Anup SahaManaging Director
Dr. Naushad ForbesIndependent Director
Mr. Anami RoyIndependent Director
Mr. Pramit JhaveriIndependent Director
Dr. Arindam BhattacharyaIndependent Director
Ms. Radhika HaribhaktiIndependent Director
Mr. Rajiv BajajNon Exe.Non Ind.Director
Mr. Tarun BajajIndependent Director
Mr. Ajay Kumar ChoudharyIndependent Director

FAQ

What is the intrinsic value of Bajaj Finance Ltd?

Bajaj Finance Ltd's intrinsic value (as of 22 February 2026) is ₹1085.96 which is 5.43% higher the current market price of ₹1,030.00, indicating undervalued. Calculated using the PE ratio method, this valuation considers the company's ₹6,41,040 Cr. market cap, FY2025-2026 high/low of ₹1,102/810, reserves of ₹102,592 Cr, and liabilities of ₹509,961 Cr.

What is the Market Cap of Bajaj Finance Ltd?

The Market Cap of Bajaj Finance Ltd is 6,41,040 Cr..

What is the current Stock Price of Bajaj Finance Ltd as on 22 February 2026?

The current stock price of Bajaj Finance Ltd as on 22 February 2026 is ₹1,030.

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

In FY 2025-2026, the High / Low of Bajaj Finance Ltd stocks is ₹1,102/810.

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

The Stock P/E of Bajaj Finance Ltd is 35.2.

What is the Book Value of Bajaj Finance Ltd?

The Book Value of Bajaj Finance Ltd is 166.

What is the Dividend Yield of Bajaj Finance Ltd?

The Dividend Yield of Bajaj Finance Ltd is 0.43 %.

What is the ROCE of Bajaj Finance Ltd?

The ROCE of Bajaj Finance Ltd is 11.4 %.

What is the ROE of Bajaj Finance Ltd?

The ROE of Bajaj Finance Ltd is 19.2 %.

What is the Face Value of Bajaj Finance Ltd?

The Face Value of Bajaj Finance 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 Finance 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 Industry-wise Stock Analysis Reports