Bajaj Finance
BAJFINANCE · NBFC · NSE
₹918
Current Market Price
Fair Value (DCF)
₹900
Margin of Safety
-2.0%
Updated just now
YieldIQ Score
22/100
Piotroski F-Score
3/9
Economic Moat
Moderate
Confidence
75%
ROE
16.8%
Debt/Equity
0.00
WACC
11.0%
Market Cap
₹5.71 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
220.0%
Return on capital employed
EV / EBITDA
—
Enterprise multiple
Debt / EBITDA
—
Leverage vs earnings
Interest Coverage
—
EBIT covers interest
Current Ratio
—
Short-term liquidity
Asset Turnover
0.09×
Revenue per ₹ of assets
Revenue CAGR (3Y)
—
3-year revenue growth
Revenue CAGR (5Y)
12.8%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹918.35
Bear case
₹629.84
MoS -45.8%
Base case
₹899.77
MoS -2.1%
Bull case
₹1,169.71
MoS +21.5%
Ratio Trends
BAJFINANCE · last 5 annual periods
ROE
16.8%
ROCE
5.5%
Operating Margin
—
Debt / Equity
2.78×
PE
16.7×
EV / EBITDA
—
Historical Financials
BAJFINANCE · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2020 | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹26.4K Cr | ₹31.6K Cr | ₹11.4K Cr | ₹14.9K Cr | ₹42.4K Cr | +12.6% |
| EBITDA | — | — | — | — | — | — |
| EBIT | ₹16.8K Cr | ₹19.3K Cr | ₹7851 Cr | ₹10.3K Cr | — | -11.5% |
| PAT | ₹5264 Cr | ₹7028 Cr | ₹3158 Cr | ₹3825 Cr | ₹16.6K Cr | +33.3% |
| EPS (diluted) | ₹89.07 | ₹115.79 | ₹52.01 | ₹61.70 | — | -8.8% |
| CFO | — | ₹-37.0K Cr | ₹-42.1K Cr | ₹-72.8K Cr | ₹-68.2K Cr | — |
| CapEx | — | — | — | — | ₹-1082 Cr | — |
| FCF | — | — | — | — | ₹-69.2K Cr | — |
| Total Assets | — | ₹212.5K Cr | ₹275.2K Cr | ₹375.7K Cr | ₹466.1K Cr | +21.7% |
| Total Debt | ₹54.7K Cr | ₹54.4K Cr | — | ₹111.6K Cr | ₹275.4K Cr | +49.8% |
| Shareholders' Equity | — | — | ₹54.4K Cr | ₹76.7K Cr | ₹98.9K Cr | +16.1% |
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 |
|---|---|---|---|---|---|
| SHRIRAMFIN SHRIRAMFIN | — | — | Pending | 16.9% | — |
| PFC Power Finance Corporation Limited | -100.0% | 17 | Data Limited | 14.8% | — |
| MUTHOOTFIN MUTHOOTFIN | — | — | Pending | 17.8% | — |
| IRFC IRFC | — | — | Pending | 12.3% | — |
| CHOLAFIN Cholamandalam Investment and Finance Company Limited | +10.5% | 47 | Fairly valued | 18.0% | — |
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
0.61%
Amounts parsed from NSE subject lines; percent-of-face-value declarations are not converted and shown as missing.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Bajaj Finance (BAJFINANCE.NS) trades at 918.35 vs a model fair value of 899.77, a gap of -2.0%. Piotroski F-score: 3/9. Moat label: Moder...
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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.