BAJA

Bajaj FinservNSEI:BAJAJFINSV Stock Report

Market Cap

₹2.7t

7D

0.5%

1Y

197.9%

Updated

20 Sep, 2021

Data

Company Financials +
BAJAJFINSV fundamental analysis
Snowflake Score
Valuation0/6
Future Growth4/6
Past Performance3/6
Financial Health1/6
Dividends0/6

BAJAJFINSV Overview

Bajaj Finserv Ltd. operates as the holding company for various financial services businesses under the Bajaj group.

Price History & Performance

Summary of all time highs, changes and price drops for Bajaj Finserv
Historical stock prices
Current Share Price₹17,018.95
52 Week High₹5,400.00
52 Week Low₹17,499.00
Beta1.39
1 Month Change13.62%
3 Month Change40.29%
1 Year Change197.94%
3 Year Change180.49%
5 Year Change417.77%
Change since IPO3,242.95%

Recent News & Updates

Aug 18
With EPS Growth And More, Bajaj Finserv (NSE:BAJAJFINSV) Is Interesting

With EPS Growth And More, Bajaj Finserv (NSE:BAJAJFINSV) Is Interesting

Like a puppy chasing its tail, some new investors often chase 'the next big thing', even if that means buying 'story...

Shareholder Returns

BAJAJFINSVIN Diversified FinancialIN Market
7D0.5%0.8%1.2%
1Y197.9%108.0%59.0%

Return vs Industry: BAJAJFINSV exceeded the Indian Diversified Financial industry which returned 108% over the past year.

Return vs Market: BAJAJFINSV exceeded the Indian Market which returned 59% over the past year.

Price Volatility

Is BAJAJFINSV's price volatile compared to industry and market?
BAJAJFINSV volatility
BAJAJFINSV Beta1.39
Industry Beta1.16
Market Beta1

Stable Share Price: BAJAJFINSV is less volatile than 75% of Indian stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: BAJAJFINSV's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2007105Sanjiv Bajajhttps://www.bajajfinserv.in/corporate-bajaj-finserv

Bajaj Finserv Ltd. operates as the holding company for various financial services businesses under the Bajaj group. The company operates through Life Insurance, General Insurance, Windmill, Retail Financing, and Investments and Other segments. It serves millions of customers by providing solutions for asset acquisition through financing; asset protection through general insurance, including motor, health, crop, marine, and other insurance products; family and income protection in the form of life and health insurance; and retirement and savings solutions.

Valuation

Is Bajaj Finserv undervalued compared to its fair value and its price relative to the market?

66.25x

Price to Earnings (PE) ratio


Share Price vs. Fair Value

Below Fair Value: BAJAJFINSV (₹17018.95) is trading above our estimate of fair value (₹3782.83)

Significantly Below Fair Value: BAJAJFINSV is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: BAJAJFINSV is poor value based on its PE Ratio (66.2x) compared to the Indian Diversified Financial industry average (15.6x).

PE vs Market: BAJAJFINSV is poor value based on its PE Ratio (66.2x) compared to the Indian market (20.4x).


Price to Earnings Growth Ratio

PEG Ratio: BAJAJFINSV is poor value based on its PEG Ratio (2.4x)


Price to Book Ratio

PB vs Industry: BAJAJFINSV is overvalued based on its PB Ratio (7.6x) compared to the IN Diversified Financial industry average (0.7x).


Future Growth

How is Bajaj Finserv forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?

27.6%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: BAJAJFINSV's forecast earnings growth (27.6% per year) is above the savings rate (6.8%).

Earnings vs Market: BAJAJFINSV's earnings (27.6% per year) are forecast to grow faster than the Indian market (18.4% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: BAJAJFINSV's revenue (14.2% per year) is forecast to grow faster than the Indian market (12.6% per year).

High Growth Revenue: BAJAJFINSV's revenue (14.2% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: BAJAJFINSV's Return on Equity is forecast to be low in 3 years time (17%).


Past Performance

How has Bajaj Finserv performed over the past 5 years?

14.5%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: BAJAJFINSV has high quality earnings.

Growing Profit Margin: BAJAJFINSV's current net profit margins (6.8%) are higher than last year (6.7%).


Past Earnings Growth Analysis

Earnings Trend: BAJAJFINSV's earnings have grown by 14.5% per year over the past 5 years.

Accelerating Growth: BAJAJFINSV's earnings growth over the past year (9.3%) is below its 5-year average (14.5% per year).

Earnings vs Industry: BAJAJFINSV earnings growth over the past year (9.3%) underperformed the Diversified Financial industry 25.6%.


Return on Equity

High ROE: BAJAJFINSV's Return on Equity (11.8%) is considered low.


Financial Health

How is Bajaj Finserv's financial position?


Financial Position Analysis

Short Term Liabilities: BAJAJFINSV's short term assets (₹292.6B) do not cover its short term liabilities (₹495.2B).

Long Term Liabilities: BAJAJFINSV's short term assets (₹292.6B) do not cover its long term liabilities (₹1,723.5B).


Debt to Equity History and Analysis

Debt Level: BAJAJFINSV's debt to equity ratio (176.3%) is considered high.

Reducing Debt: BAJAJFINSV's debt to equity ratio has reduced from 187.4% to 176.3% over the past 5 years.

Debt Coverage: BAJAJFINSV's debt is not well covered by operating cash flow (4.4%).

Interest Coverage: BAJAJFINSV's interest payments on its debt are not well covered by EBIT (2.7x coverage).


Balance Sheet


Dividend

What is Bajaj Finserv current dividend yield, its reliability and sustainability?

0.018%

Current Dividend Yield


Dividend Yield vs Market

Notable Dividend: BAJAJFINSV's dividend (0.018%) isn’t notable compared to the bottom 25% of dividend payers in the Indian market (0.34%).

High Dividend: BAJAJFINSV's dividend (0.018%) is low compared to the top 25% of dividend payers in the Indian market (1.45%).


Stability and Growth of Payments

Stable Dividend: BAJAJFINSV is not paying a notable dividend for the Indian market, therefore no need to check if payments are stable.

Growing Dividend: BAJAJFINSV is not paying a notable dividend for the Indian market, therefore no need to check if payments are increasing.


Current Payout to Shareholders

Dividend Coverage: BAJAJFINSV is not paying a notable dividend for the Indian market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of BAJAJFINSV's dividend in 3 years as they are not forecast to pay a notable one for the Indian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.3yrs

Average management tenure


CEO

Sanjiv Bajaj (52 yo)

13.58yrs

Tenure

₹173,200,000

Compensation

Mr. Sanjivnayan Rahulkumar Bajaj, also known as Sanjiv, is Chairman of Bajaj Finserv Limited since March 17, 2020. He is Non-Executive Chairman of Bajaj Housing Finance Ltd. since May 18, 2020.He has been...


CEO Compensation Analysis

Compensation vs Market: Sanjiv's total compensation ($USD2.35M) is above average for companies of similar size in the Indian market ($USD1.17M).

Compensation vs Earnings: Sanjiv's compensation has increased by more than 20% in the past year.


Leadership Team

Experienced Management: BAJAJFINSV's management team is considered experienced (3.3 years average tenure).


Board Members

Experienced Board: BAJAJFINSV's board of directors are considered experienced (4 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: BAJAJFINSV insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Bajaj Finserv Ltd.'s employee growth, exchange listings and data sources


Key Information


Number of Employees


Location

  • Bajaj Finserv Ltd.
  • Bajaj Finserv Corporate Office
  • 6th Floor
  • Pune
  • Maharashtra
  • 411014
  • India

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/09/20 15:31
End of Day Share Price2021/09/20 00:00
Earnings2021/06/30
Annual Earnings2021/03/31


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.