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Bajaj Finance
BAJFINANCE · NBFC · NSE
₹918
Current Market Price
Fair Value (P/B + Residual Income)
₹917
Discount to FV
-0.2%
Updated 5h ago
YieldIQ Score
68/100
Piotroski F-Score
7/9
Economic Moat
Moderate
Confidence
90%
ROE
16.7%
Debt/Equity
3.22
Cost of Equity
11.0%
Market Cap
₹5.71 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
6.8%
Return on capital employed
Revenue CAGR (3Y)
22.6%
3-year revenue growth
Revenue CAGR (5Y)
13.2%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹918.3
Bear case
Margin of Safety -75.8%
Implied upside -43.1%
Base case
Margin of Safety -0.2%
Implied upside -0.2%
Bull case
Margin of Safety +18.7%
Implied upside +22.9%
Ratio Trends
BAJFINANCE · last 8 annual periods
ROE
16.7%
ROCE
12.9%
Operating Margin
—
Debt / Equity
3.22×
PE
26.2×
EV / EBITDA
—
Historical Financials
BAJFINANCE · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 NSE_XBRL | 2023 NSE_XBRL | 2024 NSE_XBRL | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹31.6K Cr | ₹27.0K Cr | ₹34.3K Cr | ₹41.5K Cr | ₹49.7K Cr | +11.9% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹19.3K Cr | ₹28.1K Cr | ₹38.0K Cr | — | — | +18.6% |
| PAT | ₹7028 Cr | ₹11.5K Cr | ₹14.5K Cr | ₹16.6K Cr | ₹19.0K Cr | +28.3% |
| EPS (diluted) | ₹115.79 | ₹189.57 | ₹235.98 | — | — | +19.5% |
| CFO | ₹-37.0K Cr | ₹-42.1K Cr | ₹-69.8K Cr | ₹-67.8K Cr | ₹-65.8K Cr | — |
| CapEx | ₹-634 Cr | ₹-878 Cr | ₹-1038 Cr | ₹-1082 Cr | ₹-961 Cr | — |
| FCF | ₹-37.7K Cr | ₹-43.0K Cr | ₹-70.9K Cr | ₹-68.9K Cr | ₹-66.8K Cr | — |
| Total Assets | ₹212.5K Cr | ₹275.2K Cr | ₹375.7K Cr | ₹466.1K Cr | ₹560.0K Cr | +27.4% |
| Total Debt | ₹54.4K Cr | ₹164.5K Cr | ₹218.4K Cr | ₹275.4K Cr | ₹366.6K Cr | +61.1% |
| Shareholders' Equity | ₹43.7K Cr | ₹54.4K Cr | ₹76.7K Cr | ₹96.7K Cr | ₹114.0K Cr | +27.1% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
BAJFINANCE vs 5 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 BAJAJFINSV Bajaj Finserv Limited | -16.8%-14.4% upside | 68 | Near Fair Value | 12.6% | 26.6× |
 SHRIRAMFIN Shriram Finance Limited | -55.0%-35.5% upside | 23 | Above Fair Value | 15.2% | — |
 SBILIFE SBILIFE | — | — | Pending | 14.2% | 64.3× |
 BSE BSE | — | — | Pending | 37.4% | 43.6× |
 JIOFIN JIOFIN | — | — | Pending | 1.2% | — |
Click a ticker to view its fair-value analysis.
Dividend History
11 ex-dividend events on file. Source: NSE corporate-actions feed.
Total paid (5Y)
₹15.20/sh
Last payout
2025-05-30
₹4.40
Peak payout
₹4.40
Trailing yield
—
Amounts parsed from NSE subject lines. Percent-of-face-value declarations are converted using the per-ticker face value (defaults to ₹10).
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Bajaj Finance (BAJFINANCE.NS) trades at 918.30 vs a model fair value of 916.70, a gap of -0.2%. Piotroski F-score: 7/9. Moat label: Moder...
Read full AI analysis →Risk Analysis
Volatility & drawdown
Risk profile of BAJFINANCE →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for BAJFINANCE →
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Head-to-head with peers
Compare BAJFINANCE side by side →
Run Full Interactive Analysis
P/B + Residual Income breakdown, peer comparison, and more.
Analyse BAJFINANCENow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.