500034 Stock Overview
Bajaj Finance Limited operates as a non-banking financial company in India.
Bajaj Finance Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₹7,316.25|
|52 Week High||₹8,043.50|
|52 Week Low||₹5,235.60|
|1 Month Change||24.57%|
|3 Month Change||32.66%|
|1 Year Change||18.04%|
|3 Year Change||122.46%|
|5 Year Change||323.19%|
|Change since IPO||232,901.59%|
Recent News & Updates
|500034||IN Consumer Finance||IN Market|
Return vs Industry: 500034 exceeded the Indian Consumer Finance industry which returned 9% over the past year.
Return vs Market: 500034 exceeded the Indian Market which returned 8.7% over the past year.
|500034 Average Weekly Movement||5.0%|
|Consumer Finance Industry Average Movement||6.4%|
|Market Average Movement||6.4%|
|10% most volatile stocks in IN Market||9.1%|
|10% least volatile stocks in IN Market||4.2%|
Stable Share Price: 500034 is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: 500034's weekly volatility (5%) has been stable over the past year.
About the Company
Bajaj Finance Limited operates as a non-banking financial company in India. The company offers consumer durable, lifestyle, lifecare, digital product, two and three wheeler, developer, used car, medical equipment, vendor, light engineering, specialty chemicals, financial institution, corporate, and warehouse finance services; IPO and ESOP finance, margin trading finance, trading account, depository, and HNI and retail broking services; personal, gold, home, business, working capital, secured enterprise, and professional loans; and loan against fixed deposits, shares, properties, and securities. It also provides life, general, and health insurance, as well as pocket insurance products; extended warranty, e-commerce, and lease rental discounting services; financial fitness reports; and EMI cards, and co-branded credit cards and wallets, as well as offers investment services, such as systematic deposit plan, fixed and term deposits, and mutual funds.
Bajaj Finance Fundamentals Summary
|500034 fundamental statistics|
Is 500034 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|500034 income statement (TTM)|
|Cost of Revenue||₹20.16b|
Last Reported Earnings
Jun 30, 2022
Next Earnings Date
|Earnings per share (EPS)||142.92|
|Net Profit Margin||42.61%|
How did 500034 perform over the long term?See historical performance and comparison
0.3%Current Dividend Yield
Is 500034 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 0/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 500034?
Other financial metrics that can be useful for relative valuation.
|What is 500034's n/a Ratio?|
Price to Earnings Ratio vs Peers
How does 500034's PE Ratio compare to its peers?
|500034 PE Ratio vs Peers|
|Company||PE||Estimated Growth||Market Cap|
543066 SBI Cards and Payment Services
511243 Cholamandalam Investment and Finance
MUTHOOTFIN Muthoot Finance
511218 Shriram Transport Finance
500034 Bajaj Finance
Price-To-Earnings vs Peers: 500034 is expensive based on its Price-To-Earnings Ratio (51.2x) compared to the peer average (23.8x).
Price to Earnings Ratio vs Industry
How does 500034's PE Ratio compare vs other companies in the IN Consumer Finance Industry?
Price-To-Earnings vs Industry: 500034 is expensive based on its Price-To-Earnings Ratio (51.2x) compared to the Indian Consumer Finance industry average (22x)
Price to Earnings Ratio vs Fair Ratio
What is 500034's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PE Ratio||51.2x|
|Fair PE Ratio||30.3x|
Price-To-Earnings vs Fair Ratio: 500034 is expensive based on its Price-To-Earnings Ratio (51.2x) compared to the estimated Fair Price-To-Earnings Ratio (30.3x).
Share Price vs Fair Value
What is the Fair Price of 500034 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 500034 (₹7316.25) is trading above our estimate of fair value (₹2000.35)
Significantly Below Fair Value: 500034 is trading above our estimate of fair value.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
Analyst Forecast: Target price is less than 20% higher than the current share price.
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How is Bajaj Finance forecast to perform in the next 1 to 3 years based on estimates from 20 analysts?
Future Growth Score6/6
Future Growth Score 6/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 500034's forecast earnings growth (24.7% per year) is above the savings rate (6.8%).
Earnings vs Market: 500034's earnings (24.7% per year) are forecast to grow faster than the Indian market (18.8% per year).
High Growth Earnings: 500034's earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: 500034's revenue (23.4% per year) is forecast to grow faster than the Indian market (10.8% per year).
High Growth Revenue: 500034's revenue (23.4% per year) is forecast to grow faster than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 500034's Return on Equity is forecast to be high in 3 years time (22.5%)
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How has Bajaj Finance performed over the past 5 years?
Past Performance Score5/6
Past Performance Score 5/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 500034 has high quality earnings.
Growing Profit Margin: 500034's current net profit margins (42.6%) are higher than last year (38.6%).
Past Earnings Growth Analysis
Earnings Trend: 500034's earnings have grown by 18% per year over the past 5 years.
Accelerating Growth: 500034's earnings growth over the past year (93.3%) exceeds its 5-year average (18% per year).
Earnings vs Industry: 500034 earnings growth over the past year (93.3%) exceeded the Consumer Finance industry 18.5%.
Return on Equity
High ROE: 500034's Return on Equity (19.7%) is considered low.
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How is Bajaj Finance's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: 500034's short term assets (₹2,063.8B) exceed its short term liabilities (₹849.9B).
Long Term Liabilities: 500034's short term assets (₹2,063.8B) exceed its long term liabilities (₹838.0B).
Debt to Equity History and Analysis
Debt Level: 500034's net debt to equity ratio (296.6%) is considered high.
Reducing Debt: 500034's debt to equity ratio has reduced from 471.4% to 308.9% over the past 5 years.
Debt Coverage: 500034's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if 500034's interest payments on its debt are well covered by EBIT.
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What is Bajaj Finance current dividend yield, its reliability and sustainability?
Dividend Score 3/6
Cash Flow Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: 500034's dividend (0.27%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.39%).
High Dividend: 500034's dividend (0.27%) is low compared to the top 25% of dividend payers in the Indian market (1.72%).
Stability and Growth of Payments
Stable Dividend: 500034's dividends per share have been stable in the past 10 years.
Growing Dividend: 500034's dividend payments have increased over the past 10 years.
Earnings Payout to Shareholders
Earnings Coverage: With its low payout ratio (14%), 500034's dividend payments are thoroughly covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: 500034 is paying a dividend but the company has no free cash flows.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Rajeev Jain (52 yo)
Mr. Rajeev A. Jain has been Vice Chairman of the Bajaj Housing Finance Ltd. since 2022. Mr. Jain was the Managing Director at Bajaj Housing Finance Ltd.He has been a Director at Bajaj Housing Finance Ltd...
CEO Compensation Analysis
Compensation vs Market: Rajeev's total compensation ($USD1.79M) is above average for companies of similar size in the Indian market ($USD1.34M).
Compensation vs Earnings: Rajeev's compensation has been consistent with company performance over the past year.
Experienced Management: 500034's management team is considered experienced (3.8 years average tenure).
Experienced Board: 500034's board of directors are considered experienced (5.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bajaj Finance Limited's employee growth, exchange listings and data sources
- Name: Bajaj Finance Limited
- Ticker: 500034
- Exchange: BSE
- Founded: 1987
- Industry: Consumer Finance
- Sector: Diversified Financials
- Implied Market Cap: ₹4.414t
- Shares outstanding: 603.28m
- Website: https://www.bajajfinserv.in/corporate-bajaj-finance
Number of Employees
- Bajaj Finance Limited
- Panchshil Tech Park
- 3rd Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/08/11 00:00|
|End of Day Share Price||2022/08/11 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.