BAJAJFINSV
Bajaj Finserv
Bajaj Finserv (BAJAJFINSV) Stock Analysis & Case Study
Is BAJAJFINSV a good buy? The data-driven verdict.
Bajaj Finserv (BAJAJFINSV) trades at ₹1,782,on the numbers it mixed signals, a Downstox Snapshot Score of 47/100.
On the numbers, Bajaj Finserv (BAJAJFINSV) mixed signals, a Downstox Snapshot Score of 47/100, weighing premium at 28.8× earnings, ROE of 13.2%. Below: the full bull case, bear case, sector-relative valuation, and a probability-weighted price target for 2027–2031.
Last updated . Data snapshot for research, not investment advice.
The Downstox take on BAJAJFINSV
The puzzle here is the holding-company discount in reverse: Bajaj Finserv trades at a near-29 P/E, yet its 13.2% ROE and 10.5% ROCE are merely decent for a financial, not exceptional. You are paying a growth multiple for what the blended numbers call a steady earner, with the gap between return on capital and the price suggesting the market is valuing the lending and insurance subsidiaries more than the consolidated ratios show. The token 0.08% yield confirms this is reinvestment, not payout. Watch whether the Piotroski 4 firms up, since middling financial quality with a premium tag leaves little room for slippage.
Downstox editorial view, written by our own analysts. Information, not investment advice.
BAJAJFINSV fundamentals at a glance, PE, PB, ROE, ROCE, market cap, dividend yield
Is BAJAJFINSV overvalued? BAJAJFINSV P/E vs its NBFC
BAJAJFINSV's P/E of 28.8× sits above the NBFC peer median of 25.6×, so on earnings it screens richer than peers, while its 0.08% dividend yield is below the peer median of 0.83%.
The bull case for BAJAJFINSV
- A healthy 13.2% return on equity.
The bear case & risks
- At 28.8× earnings the stock carries a premium to the market, strong growth is already in the price, so any miss tends to be punished.
BAJAJFINSV Piotroski F-Score: 4/9, how financially strong is it?
The Piotroski F-Score grades financial strength on nine profitability, leverage and efficiency checks. BAJAJFINSV scores 4/9,mixed financial health.
BAJAJFINSV MTF margin & leverage, Upstox, Zerodha, Groww, Dhan
Margin Trading Facility lets you buy BAJAJFINSV with part of the capital. Lower margin % = higher leverage. Rates compared across brokers (no competitor publishes this):
| Broker | Margin required | Approx. leverage |
|---|---|---|
| Upstox | 27.2% | 3.7× |
| Zerodha | 23.2% | 4.3× |
| DhanCHEAPEST | 22.0% | 4.5× |
Compare every broker on the BAJAJFINSV MTF page.
BAJAJFINSV vs peers,NBFC comparison
| Stock | P/E | Div yield | Market cap |
|---|---|---|---|
| BAJAJFINSV (this stock) | 28.8× | 0.08% | ₹2.86L Cr |
| BAJFINANCE | 31.4× | 0.56% | ₹6.03L Cr |
| RECLTD | 6.0× | 4.87% | ₹97,417 Cr |
| PFC | 5.6× | 3.58% | ₹1.45L Cr |
| SHRIRAMFIN | 23.3× | 1.09% | ₹2.33L Cr |
| CHOLAFIN | 28.0× | 0.12% | ₹1.46L Cr |
About Bajaj Finserv: sector, index & market-cap context
Bajaj Finserv (BAJAJFINSV) is a large-cap NSE-listed company in the NBFC sector, and a constituent of the Nifty 50 index group, with a market capitalisation of ₹2.86L Cr. See more Nifty 50 stocks.
How the BAJAJFINSV Snapshot Score & forecast are built
The Downstox Snapshot Score is a transparent, rules-based read of Bajaj Finserv's public fundamentals plus a statistical forecast, not an analyst opinion. It rewards low-to-fair valuation, high ROE/ROCE, a strong Piotroski F-Score, a dividend, low volatility and a favourable probability of upside; it penalises rich valuations, weak capital efficiency, a low F-Score and high volatility. The price target is a 10,000-path Monte-Carlo simulation on real historical volatility, a distribution, not a single guess. The bull and bear cases are generated from the same data, so you always see both sides.
This is information, not investment advice. Do your own due diligence and consult a SEBI-registered adviser before investing.
BAJAJFINSV analysis, FAQs
Is Bajaj Finserv (BAJAJFINSV) a good buy?
On the numbers, Bajaj Finserv (BAJAJFINSV) mixed signals, a Downstox Snapshot Score of 47/100, weighing premium at 28.8× earnings, ROE of 13.2%. This is a data snapshot for research, not investment advice.
Is BAJAJFINSV overvalued or undervalued?
BAJAJFINSV trades at 28.8× earnings versus a peer median of 25.6×, so it screens richer than its NBFC peers.
What is the bull case for BAJAJFINSV?
A healthy 13.2% return on equity.
What are the risks in BAJAJFINSV?
At 28.8× earnings the stock carries a premium to the market, strong growth is already in the price, so any miss tends to be punished.