Is Bajaj Finserv overvalued or undervalued?

As of January 20, 2025, Bajaj Finserv is considered overvalued with a PE ratio of 35.83, significantly higher than its peers, indicating a shift from fair to expensive valuation despite a strong past year performance.

As of 20 January 2025, Bajaj Finserv's valuation grade has moved from fair to expensive, indicating a shift in its market positioning. The company is currently considered overvalued. Key financial ratios include a PE ratio of 35.83, a Price to Book Value of 4.39, and an EV to EBITDA of 13.37, all of which suggest that the stock is trading at a premium compared to its intrinsic value.<BR><BR>In comparison with peers, Bajaj Finserv's PE ratio is significantly higher than that of Life Insurance, which stands at 12.54, and even higher than Bajaj Finance's PE of 35.01, which is categorized as very expensive. This disparity highlights Bajaj Finserv's overvaluation in the current market context. Additionally, while the company has shown strong returns over the past year with a 28.59% increase compared to the Sensex's 7.60%, this performance does not justify its current high valuation metrics.

how big is Bajaj Finserv?

As of Jun 06, Bajaj Finserv Ltd has a market capitalization of 317,797.06 Cr and reported net sales of 133,820.84 Cr and net profit of 8,872.31 Cr for the latest four quarters. Shareholder's funds are 60,328.64 Cr, with total assets of 5,36,901.46 Cr as of Mar'24.

Market Cap: Bajaj Finserv Ltd has a market capitalization of 317,797.06 Cr and is classified as a Large Cap company as of Jun 06.<BR><BR>Recent Quarterly Performance: The sum of Net Sales for the latest 4 quarters, which includes Mar'25, Dec'24, Sep'24, and Jun'24, is 133820.84 Cr. The sum of Net Profit for the same quarters is 8872.31 Cr. This data is on a Consolidated basis.<BR><BR>Balance Sheet Snapshot: This is Consolidated data for the latest annual period ending in Mar'24. The Shareholder's Funds are reported at 60,328.64 Cr, while the Total Assets amount to 5,36,901.46 Cr.

When is the next results date for Bajaj Finserv?

No Upcoming Board Meetings

What does Bajaj Finserv do?

Bajaj Finserv Limited is a holding company in the financial services sector, offering asset acquisition, insurance, and retirement solutions. As of March 2025, it reported net sales of ₹36,595 Cr and a net profit of ₹2,417 Cr, with a market cap of ₹318,189 Cr.

Overview: <BR>Bajaj Finserv Limited (BFS) is a holding company that operates in the financial services sector, providing solutions for asset acquisition, protection through insurance, and retirement and savings solutions, categorized as a Large Cap company.<BR><BR>History: <BR>Bajaj Finserv was incorporated in an unspecified year and operates as a holding company for various financial services under the Bajaj Group. The latest quarterly results reported are for March 2025, showing net sales and profit figures.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 36,595 Cr (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 2,417 Cr (Quarterly Results - Mar 2025) <BR>Market-cap value: Rs 318,189 Cr (Large Cap)<BR><BR>Key Metrics: <BR>P/E: 35.00 <BR>Industry P/E: 23 <BR>Dividend Yield: 0.05% <BR>Debt Equity: 4.92 <BR>Return on Equity: 12.26% <BR>Price to Book: 4.29 <BR><BR>Contact Details: <BR>Address: Bajaj Auto Ltd Complex, Mumbai-Pune Road Akurdi Pune Maharashtra : 411035 <BR>Phone: 91-20-6610 7458 <BR>Email: investors@bajajfinserv.in <BR>Website: http://www.bajajfinserv.in

What is the bonus history of the Bajaj Finserv?

Bajaj Finserv announced a 1:1 bonus issue on September 13, 2022, with a record date of September 14, 2022, allowing shareholders to receive one additional share for each share held.

Bajaj Finserv has a recent bonus history that includes a 1:1 bonus issue announced with an ex-date of September 13, 2022. The record date for this bonus was September 14, 2022. This means that shareholders received an additional share for every share they held as of the record date.

Has Bajaj Finserv declared dividend?

Yes, Bajaj Finserv has declared a 100% dividend, with an ex-date of June 27, 2025. The company has shown strong total returns over various periods, including a 279.6% total return over the past 5 years.

Bajaj Finserv Ltd has declared a 100% dividend.<BR><BR>Dividend Details:<BR>- Percentage announced: 100%<BR>- Ex-date: 27 Jun 25<BR><BR>Dividend Yield: 0.05%.<BR><BR>Total Returns by Period:<BR>In the last 6 months, Bajaj Finserv experienced a price return of 21.24%, a dividend return of 0.06%, leading to a total return of 21.3%.<BR><BR>Over the past year, the company achieved a price return of 29.64%, with a dividend return of 0.13%, resulting in a total return of 29.77%.<BR><BR>In the 2-year period, the price return was 34.16%, the dividend return was 0.18%, culminating in a total return of 34.34%.<BR><BR>For the 3-year period, Bajaj Finserv saw a price return of 58.05%, a dividend return of 0.59%, which gave a total return of 58.64%.<BR><BR>In the last 4 years, the company recorded a price return of 62.84%, a dividend return of 0.79%, leading to a total return of 63.63%.<BR><BR>Finally, over the past 5 years, Bajaj Finserv had an impressive price return of 278.02%, a dividend return of 1.58%, resulting in a total return of 279.6%.<BR><BR>Overall, Bajaj Finserv has declared a significant dividend and has shown strong total returns across various periods, indicating a positive financial performance and shareholder value enhancement.

Who are the peers of the Bajaj Finserv?

Bajaj Finserv's peers include Bajaj Holdings, JSW Holdings, TVS Holdings, Mah. Scooters, ACME Solar Hold., Choice Intl., JM Financial, and Edelweiss.Fin. Key insights show excellent management risk at Bajaj Finserv and select peers, with JSW Holdings leading in 1-year returns at 239.14%, while ACME Solar Hold. has the lowest return.

Peers: Bajaj Holdings, JSW Holdings, TVS Holdings, Mah. Scooters, ACME Solar Hold., Choice Intl., JM Financial, Edelweiss.Fin., Kama Holdings.<BR><BR>Quality Snapshot: Excellent management risk is observed at Bajaj Finserv, TVS Holdings, and Choice Intl., while Average management risk is found at Bajaj Holdings, JSW Holdings, JM Financial, Edelweiss.Fin., and Kama Holdings. Below Average management risk is noted for Mah. Scooters and ACME Solar Hold. In terms of Growth, Excellent growth is seen at TVS Holdings, ACME Solar Hold., and Choice Intl., while Average growth is present at Bajaj Holdings, JSW Holdings, Mah. Scooters, and Kama Holdings. Below Average growth is indicated for JM Financial and Edelweiss.Fin. Finally, Excellent capital structure is noted for Bajaj Holdings, JSW Holdings, Mah. Scooters, Choice Intl., JM Financial, Edelweiss.Fin., and Kama Holdings, while Below Average capital structure is seen at TVS Holdings and ACME Solar Hold.<BR><BR>Return Snapshot: The peer with the highest 1-year return is JSW Holdings at 239.14%, while the lowest is ACME Solar Hold. with an N/A return, and Bajaj Finserv's own 1-year return is 26.40%. Additionally, peers with negative six-month returns include ACME Solar Hold. and Edelweiss.Fin.

Who are in the management team of Bajaj Finserv?

As of March 2023, the management team of Bajaj Finserv includes Sanjiv Bajaj (Chairman & Managing Director), Rajiv Bajaj, D J Balaji Rao, Madhur Bajaj, Naushad Forbes, Anami N Roy, Manish Kejriwal, Pramit Jhaveri, Radhika Haribhakti, and Uma Shende (Company Secretary & Compliance Officer), showcasing diverse expertise and leadership.

As of March 2023, the management team of Bajaj Finserv includes the following individuals:<BR><BR>1. Sanjiv Bajaj - Chairman & Managing Director<BR>2. Rajiv Bajaj - Director<BR>3. D J Balaji Rao - Independent Director<BR>4. Madhur Bajaj - Director<BR>5. Naushad Forbes - Independent Director<BR>6. Anami N Roy - Independent Director<BR>7. Manish Kejriwal - Director<BR>8. Pramit Jhaveri - Independent Director<BR>9. Radhika Haribhakti - Independent Director<BR>10. Uma Shende - Company Secretary & Compliance Officer<BR><BR>This team brings a diverse range of expertise and leadership to the company.

Who are the top shareholders of the Bajaj Finserv?

The top shareholders of Bajaj Finserv include Bajaj Holdings And Investment Limited with 39.03%, mutual funds with 5.43%, foreign institutional investors holding 7.19%, and Jaya Hind Industries Private Limited at 3.92%, while individual investors own about 10.12% of the shares.

The top shareholders of Bajaj Finserv include several key players. The majority shareholder is Bajaj Holdings And Investment Limited, which holds a significant 39.03% of the company. Other notable shareholders include mutual funds, which collectively hold 5.43% across 42 schemes, and foreign institutional investors (FIIs) with a 7.19% stake held by 674 FIIs. The highest public shareholder is Jaya Hind Industries Private Limited, owning 3.92%. Additionally, individual investors hold about 10.12% of the shares.

Are Bajaj Finserv latest results good or bad?

Bajaj Finserv's latest Q2 FY26 results are generally positive, with a 30.47% increase in net profit and improved operating margins at 41.01%. However, a 3.16% sequential decline in net sales and recent stock pressure due to high valuation metrics may raise concerns for investors.

Bajaj Finserv's latest results for Q2 FY26 can be considered good overall, showcasing strong growth in net profit and operating margins. The company reported a net profit of ₹2,789 crore, which reflects a significant year-on-year increase of 30.47%. Additionally, the operating margin improved to 41.01%, indicating strong operational efficiency.<BR><BR>However, there are some mixed signals. While net sales grew by 12.58% year-on-year, they experienced a sequential decline of 3.16%. This decline in sales could raise concerns about the company's short-term revenue trajectory. Furthermore, the stock has faced some pressure, declining by 6.26% recently, which may reflect investor concerns regarding its high valuation metrics, such as a P/E ratio of 35.58x, which is considerably above the sector average.<BR><BR>In summary, while Bajaj Finserv has demonstrated robust profit growth and improved margins, the recent sales decline and high valuation may warrant caution among investors.

How has been the historical performance of Bajaj Finserv?

Bajaj Finserv has shown significant growth from March 2020 to March 2025, with net sales increasing from 54,346.69 crore to 1,33,821.05 crore, and profit after tax rising from 5,992.94 crore to 17,539.65 crore, alongside a substantial expansion in total assets and liabilities. However, cash flow from operating activities has been negative in recent years.

Answer:<BR>The historical performance of Bajaj Finserv shows significant growth in key financial metrics over the years.<BR><BR>Breakdown:<BR>Bajaj Finserv's net sales have steadily increased from 54,346.69 crore in March 2020 to 1,33,821.05 crore in March 2025, reflecting a strong upward trend. The total operating income has followed a similar trajectory, reaching 1,33,821.05 crore in March 2025, up from 54,346.69 crore in March 2020. The operating profit (PBDIT) has also seen substantial growth, climbing from 18,096.32 crore in March 2020 to 49,210.24 crore in March 2025. Profit before tax has risen from 8,301.00 crore in March 2020 to 23,730.22 crore in March 2025, while profit after tax has increased from 5,992.94 crore to 17,539.65 crore in the same period. The company's total assets have expanded significantly from 2,50,498.72 crore in March 2020 to 6,51,030.07 crore in March 2025, indicating robust growth in its financial position. Total liabilities have also increased, from 2,50,498.72 crore to 6,51,030.07 crore, reflecting the company's expansion strategy. Cash flow from operating activities has shown negative values in recent years, with a cash flow of -62,113.00 crore in March 2025, although net cash inflow was positive at 91.00 crore. Overall, Bajaj Finserv has demonstrated strong growth in revenue and profitability, alongside a significant increase in assets and liabilities.

Should I buy, sell or hold Bajaj Finserv?

Is Bajaj Finserv technically bullish or bearish?

As of December 2, 2025, Bajaj Finserv's trend is mildly bullish, supported by daily moving averages and Bollinger Bands, although caution is warranted due to a mildly bearish weekly MACD.

As of 2 December 2025, the technical trend for Bajaj Finserv has changed from bullish to mildly bullish. The current stance is mildly bullish, supported by daily moving averages indicating mild bullishness and both weekly and monthly Bollinger Bands also showing mild bullishness. However, the weekly MACD is mildly bearish, which introduces some caution. The KST remains bullish on both weekly and monthly time frames, providing a positive signal. Overall, while there are mixed signals, the prevailing trend is mildly bullish.

Which are the latest news on Bajaj Finserv?

Why is Bajaj Finserv Ltd falling/rising?

As of 27-Dec, Bajaj Finserv Ltd's stock price is at 2,019.05, reflecting a decline of 0.83% and underperforming in the short term with a total drop of 1.56% over the last three days. Despite a strong year-to-date return of 28.52%, recent trends indicate a decline in momentum, although increased investor participation suggests some underlying interest.

As of 27-Dec, Bajaj Finserv Ltd's stock price is falling, currently at 2,019.05, which reflects a decrease of 16.8 points or 0.83%. The stock has been underperforming in the short term, having fallen consecutively for the last three days, resulting in a total decline of 1.56% during this period. Additionally, over the past week, the stock has decreased by 1.22%, while the benchmark Sensex has shown a slight increase of 0.13%. <BR><BR>In terms of moving averages, the stock is currently higher than its 200-day moving average but lower than its 5-day, 20-day, 50-day, and 100-day moving averages, indicating a potential short-term weakness. Despite a strong long-term performance with a year-to-date return of 28.52%, the recent trends suggest a decline in momentum. <BR><BR>However, it is worth noting that there has been a rise in investor participation, with a significant increase in delivery volume by 68.25% compared to the 5-day average, which could indicate some underlying interest despite the recent price drop. Overall, the combination of recent price declines, underperformance against the sector, and the current moving average trends contribute to the stock's falling price.