Bajaj Finserv Ltd
Fundamental Score
Bajaj Finserv Ltd Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of BAJAJFINSV across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (35.45%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Consistent Growth Track Record (19.75% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (21.32% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (21.40% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Balanced Promoter Holding (58.81%)
Observation: Optimal balance between promoter control and public float.
Analysis: Promoter holding in 50-75% range provides management alignment while ensuring adequate liquidity.
Risk Factors
6 factors identified
Elevated Debt Levels (D/E: 5.13)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.98x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-201566.85 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Financial Statements
Comprehensive financial data for Bajaj Finserv Ltd
About BAJAJFINSV
Business Overview
Bajaj Finserv Ltd., through its subsidiaries, provides financial services in India. The company operates through Life Insurance, General Insurance, Windmill, Retail Financing, and Investments and Others segments. It offers personal, business, home, home renovation, commercial, car, and gold loans; two- and three-wheeler loans; mortgages; education loans; unsecured and secured loans to small and medium-sized enterprises and professionals, as well as micro, small and medium enterprises; loans against properties, securities, car, mutual funds, bonds, and insurance policy; financing for products, such as consumer electronics, digital, lifecare, furniture, etc.; developer financing; and lease rental discounting products. The company also provides investment products, including fixed deposits, systematic deposit plans, and mutual funds; savings products; life, health, motor, fire, engineering, liabilities, marine, crop, car, two-wheeler, pet, home, travel, and personal accident insurance products; wealth management and retirement planning services; healthcare services comprising wellness, outpatient, and inpatient services; and wallets and credit cards. In addition, it offers pocket subscription plans; bill and recharge services; digital technology services; and trading and demat account, stock broking, margin trading, and HNI and retail broking services, as well as gold loans. Further, the company owns and operates 138 windmills with total installed capacity of 65.2 megawatts. Bajaj Finserv Ltd. was incorporated in 2007 and is based in Pune, India.
Company Details
Key Leadership
Corporate Events
Latest News
BAJAJFINSV Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Bajaj Finserv Ltd (BAJAJFINSV)?
As of 29 Jan 2026, 10:34 am IST, Bajaj Finserv Ltd (BAJAJFINSV) is currently trading at ₹1948.10. The stock has a market capitalization of ₹3.33L (Cr).
Is BAJAJFINSV share price Overvalued or Undervalued?
BAJAJFINSV is currently trading at a P/E ratio of 34.35x, compared to the industry average of 20.02x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Bajaj Finserv Ltd share price?
Key factors influencing BAJAJFINSV's price include its quarterly earnings growth (Sales Growth: 10.98%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Bajaj Finserv Ltd a good stock for long-term investment?
Bajaj Finserv Ltd shows a 5-year Profit Growth of 21.40% and an ROE of 13.39%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 5.13 before investing.
How does Bajaj Finserv Ltd compare with its industry peers?
Bajaj Finserv Ltd competes with major peers in the Holding Company. Investors should compare BAJAJFINSV's P/E of 34.35x and ROE of 13.39% against the industry averages to determine its competitive standing.
What is the P/E ratio of BAJAJFINSV and what does it mean?
BAJAJFINSV has a P/E ratio of 34.35x compared to the industry average of 20.02x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹34 for every ₹1 of annual earnings.
How is BAJAJFINSV performing according to Bull Run's analysis?
BAJAJFINSV has a Bull Run fundamental score of 48.7/100, which indicates concerns that require careful analysis. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does BAJAJFINSV belong to?
BAJAJFINSV operates in the Holding Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Bajaj Finserv Ltd.
What is Return on Equity (ROE) and why is it important for BAJAJFINSV?
BAJAJFINSV has an ROE of 13.39%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently Bajaj Finserv Ltd generates profits from shareholders' equity.
How is BAJAJFINSV's debt-to-equity ratio and what does it indicate?
BAJAJFINSV has a debt-to-equity ratio of 5.13, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is BAJAJFINSV's dividend yield and is it a good dividend stock?
BAJAJFINSV offers a dividend yield of 0.05%, which means you receive ₹0.05 annual dividend for every ₹100 invested.
How has BAJAJFINSV grown over the past 5 years?
BAJAJFINSV has achieved 5-year growth rates of: Sales Growth 19.75%, Profit Growth 21.40%, and EPS Growth 21.32%.
What is the promoter holding in BAJAJFINSV and why does it matter?
Promoters hold 58.81% of BAJAJFINSV shares, with 0.01% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is BAJAJFINSV's market capitalization category?
BAJAJFINSV has a market capitalization of ₹332577 crores, placing it in the Large-cap category.
How volatile is BAJAJFINSV stock?
BAJAJFINSV has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for BAJAJFINSV?
BAJAJFINSV has a 52-week high of ₹N/A and low of ₹N/A.
What is BAJAJFINSV's operating profit margin trend?
BAJAJFINSV has a 5-year average Operating Profit Margin (OPM) of 35.45%, indicating the company's operational efficiency.
How is BAJAJFINSV's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 10.98% and YoY Profit Growth of 7.53%.
What is the institutional holding pattern in BAJAJFINSV?
BAJAJFINSV has FII holding of 8.11% and DII holding of 10.49%. Significant institutional holding often suggests professional confidence in the stock.