Bajaj Finserv Ltd. operates as the holding company for various financial services businesses under the Bajaj group.
Price History & Performance
|Historical stock prices|
|Current Share Price||₹17,018.95|
|52 Week High||₹5,400.00|
|52 Week Low||₹17,499.00|
|1 Month Change||13.62%|
|3 Month Change||40.29%|
|1 Year Change||197.94%|
|3 Year Change||180.49%|
|5 Year Change||417.77%|
|Change since IPO||3,242.95%|
Recent News & Updates
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...
|BAJAJFINSV||IN Diversified Financial||IN Market|
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.
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
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.
Is Bajaj Finserv undervalued compared to its fair value and its price relative to the market?
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).
How is Bajaj Finserv forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
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%).
How has Bajaj Finserv performed over the past 5 years?
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.
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).
What is Bajaj Finserv current dividend yield, its reliability and sustainability?
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Sanjiv Bajaj (52 yo)
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.
Experienced Management: BAJAJFINSV's management team is considered experienced (3.3 years average tenure).
Experienced Board: BAJAJFINSV's board of directors are considered experienced (4 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Bajaj Finserv Ltd.'s employee growth, exchange listings and data sources
- Name: Bajaj Finserv Ltd.
- Ticker: BAJAJFINSV
- Exchange: NSEI
- Founded: 2007
- Industry: Other Diversified Financial Services
- Sector: Diversified Financials
- Market Cap: ₹2.708t
- Shares outstanding: 159.14m
- Website: https://www.bajajfinserv.in/corporate-bajaj-finserv
Number of Employees
- Bajaj Finserv Ltd.
- Bajaj Finserv Corporate Office
- 6th Floor
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/20 15:31|
|End of Day Share Price||2021/09/20 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.