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Bajaj Finserv Limited
(BAJAJFINSV)
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Rating:57Neutral
Price Target:
₹1,793.00
▼(-4.47% Downside)
Action:Reiterated
Date:08/06/26
The score is primarily held back by cash-flow weakness (multi-year negative operating/free cash flow) and elevated/rising leverage, despite strong revenue growth and profitability. Technicals are supportive due to a strong uptrend, but overbought momentum signals add near-term risk. Valuation is less attractive given the high P/E and minimal dividend yield.
Positive Factors
Diversified financial-services platform
The combination of lending and insurance businesses gives Bajaj Finserv multiple earnings streams across consumer, SME and protection products. This breadth can support cross-selling, broaden customer relationships and reduce reliance on any single financial-services segment over the next several quarters.
Negative Factors
Persistent negative cash generation
Multi-year negative operating and free cash flow means reported profitability has not translated into cash generation. Continued cash outflows can increase reliance on external funding to support portfolio growth and raise questions about the durability and quality of earnings in cash terms.
Read all positive and negative factors
Positive Factors
Negative Factors
Diversified financial-services platform
The combination of lending and insurance businesses gives Bajaj Finserv multiple earnings streams across consumer, SME and protection products. This breadth can support cross-selling, broaden customer relationships and reduce reliance on any single financial-services segment over the next several quarters.
Read all positive factors
Bajaj Finserv Limited (BAJAJFINSV) vs. iShares MSCI India ETF (INDA)
Market Cap
₹2.80T
Dividend Yield0.09%
Average Volume (3M)110.19K
Price to Earnings (P/E)27.2
Beta (1Y)1.17
Revenue Growth17.09%
EPS Growth6.40%
CountryIN
Employees113,732
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Conglomerates
Share Statistics
EPS (TTM)63.56
Shares Outstanding1,602,061,400
10 Day Avg. Volume235,300
30 Day Avg. Volume110,194
Financial Highlights & Ratios
PEG Ratio2.60
Price to Book (P/B)3.35
Price to Sales (P/S)1.71
P/FCF Ratio-5.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)74.48
Revenue Forecast (FY)₹1.66T
Bajaj Finserv Limited Business Overview & Revenue Model
Company Description
Headquartered in Pune, India, and established in 2007, Bajaj Finserv Ltd. delivers a comprehensive suite of financial services throughout India. Its diverse operations span crucial sectors including life and general insurance, retail financing, an...
How the Company Makes Money
Bajaj Finserv makes money mainly through its lending and insurance businesses. (1) Lending (primarily via Bajaj Finance): revenue is generated from interest income on loans extended to consumers and businesses, including EMI-based point-of-sale fi...
Bajaj Finserv Limited Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
56
Neutral
Cash Flow
32
Negative
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 1.22T | 1.52T | 676.24B | 539.51B | 402.87B | 314.27B |
| Gross Profit | 879.80B | 1.12T | 433.14B | 355.52B | 280.85B | 219.29B |
| EBITDA | 592.24B | 564.06B | 492.28B | 406.75B | 296.90B | 213.32B |
| Net Income | 101.44B | 98.01B | 88.72B | 81.48B | 64.17B | 45.57B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 7.58T | 6.52T | 5.38T | 4.06T | 3.34T |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 176.18B | 58.17B | 819.51B | 25.94B | 449.10B |
| Total Debt | 0.00 | 3.61T | 2.84T | 2.29T | 1.68T | 1.30T |
| Total Liabilities | -1.41T | 6.15T | 5.24T | 4.34T | 3.28T | 2.67T |
| Stockholders Equity | 1.41T | 779.15B | 723.95B | 603.29B | 464.07B | 402.46B |
Cash Flow | ||||||
| Free Cash Flow | -261.67B | -521.91B | -639.77B | -684.77B | -407.00B | -345.80B |
| Operating Cash Flow | -257.46B | -511.77B | -621.13B | -675.16B | -394.80B | -336.70B |
| Investing Cash Flow | -98.47B | -126.35B | -79.87B | -121.18B | -139.45B | 14.45B |
| Financing Cash Flow | 317.84B | 666.10B | 701.91B | 827.09B | 510.16B | 323.26B |
Bajaj Finserv Limited Technical Analysis
Negative
1876.95
Price Trends
1942.35
Negative
1863.43
Negative
1888.09
Negative
Market Momentum
-57.75
Positive
23.95
Positive
11.61
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BAJAJFINSV, the sentiment is Negative. The current price of 1876.95 is above the 20-day moving average (MA) of 1863.50, below the 50-day MA of 1942.35, and below the 200-day MA of 1888.09, indicating a bearish trend. The MACD of -57.75 indicates Positive momentum. The RSI at 23.95 is Positive, neither overbought nor oversold. The STOCH value of 11.61 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:BAJAJFINSV.
Bajaj Finserv Limited Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₹1.74T | 65.42 | ― | 0.16% | -0.43% | 4.44% | |
68 Neutral | ₹2.29T | 17.34 | ― | 1.10% | 10.38% | 9.95% | |
66 Neutral | ₹1.10T | 9.66 | ― | 1.09% | 50.37% | 84.79% | |
63 Neutral | ₹1.39T | 23.88 | ― | 0.12% | 19.87% | 28.06% | |
57 Neutral | ₹2.80T | 27.23 | ― | 0.09% | 17.09% | 6.40% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
50 Neutral | ₹1.04T | 24.32 | ― | ― | 16.22% | 19.74% |
* General Sector Average
IN:BAJAJFINSV
Bajaj Finserv Limited
1,732.80
-273.44
-13.63%
IN:ABCAPITAL
Aditya Birla Capital Ltd.
381.00
81.15
27.06%
IN:CHOLAFIN
Cholamandalam Investment and Finance Co. Ltd.
1,616.00
11.88
0.74%
IN:MUTHOOTFIN
Muthoot Finance Ltd
2,743.60
-373.99
-12.00%
IN:SBILIFE
SBI Life Insurance Co. Ltd.
1,691.15
-106.70
-5.94%
IN:SHRIRAMFIN
Shriram Finance Limited
983.95
342.71
53.44%
Bajaj Finserv Limited Corporate Events
Bajaj Finserv posts Q1 FY27 earnings call recording for investors
Jul 31, 2026
Bajaj Finserv Limited has notified the stock exchanges that it held its earnings conference call for the quarter ended 30 June 2026 on 31 July 2026 at 5:15 p.m. IST, in line with earlier communication under SEBI Listing Regulations. The call discu...
Bajaj Finserv Reschedules Q1 FY27 Earnings Call for Analysts
Jul 25, 2026
Bajaj Finserv Limited has revised the timing of its Q1 FY27 earnings conference call for analysts and institutional investors, moving the start to 5:15 p.m. IST on Friday, 31 July 2026. The call, hosted by JM Financial Institutional Securities, wi...
Bajaj Finserv Files SEBI Demat Compliance Certificate for June 2026 Quarter
Jul 13, 2026
Bajaj Finserv Limited has submitted a compliance certificate for the quarter ended 30 June 2026 under Regulation 74(5) of SEBI (Depositories and Participants) Regulations, 2018. The certificate, issued by KFin Technologies Limited as registrar and...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.