Bajaj Finserv (BAJAJFINSV.NS)
Financials · NSE · India
Fundamentals
Valuation and ratings
Bajaj Finserv trades at ₹1,838.60, which is 43% above the ₹1,038.86 our discounted cash flow model puts on the business. On that measure it screens as expensive, which is not the same as saying it will fall.
Our moat model scores it 54 out of 100, which is a moat, but not a deep one. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 31.4 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
About Bajaj Finserv
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, home, business, gold, loan for doctors and lawyers; loan against properties, securities, car, fixed deposit, insurance policy, mutual funds, and shares; unsecured and secured loans to small and medium-sized enterprises; two- and three-wheeler loans; used car and tractor loan; financing for products, such as consumer electronics, digital, furniture, e-commerce purchases and retail spends; developer financing; and lease rental discounting products. The company also provides investment products, including fixed deposits, stock trading, 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 credit cards. In addition, it 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.
BAJAJFINSV.NS passes 3 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Common questions
Is Bajaj Finserv (BAJAJFINSV.NS) undervalued?
Against our discounted cash flow estimate of ₹1,038.86, BAJAJFINSV.NS at ₹1,838.60 is 43% above fair value. That is one model's answer, not a recommendation, and most of a DCF's output sits in a terminal value nobody can forecast.
What is BAJAJFINSV.NS's P/E ratio?
BAJAJFINSV.NS trades at 31.4 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
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Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.