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STOCK COMPARISON

Bajaj Housing Finance vs Fmcct: Fair Value & Quality

Both stocks run through our valuation models. Here is how Bajaj Housing Finance (BAJAJHFL) and Fmcct (FMCCT) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: Bajaj Housing Finance trades at ₹85.79 versus a fair value of ₹56.65 (-34%), while Fmcct trades at $15.25 versus $27.80 (+82%).
Bajaj Housing Finance
BAJAJHFL.NSE · INR · Financials
-34%
upside to fair value
overvalued
Price₹85.79
Fair Value₹56.65
Quality53/100
Fmcct
FMCCT · USD · Financials
+82%
upside to fair value
undervalued
Price$15.25
Fair Value$27.80
Quality53/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Bajaj Housing FinanceFmcct
Valuation
28.2×P/E (TTM)242.6×
17.45×P/S (TTM)
3.22×P/B
19.4×EV/EBITDA
Profitability
62%Net margin50%
81%Operating margin69%
12%Return on equity17%
2%Return on assets0%
Growth
42%Revenue growth (YoY)16%
26.7%Avg. growth/yr (3Y)92.6%
28.7%Avg. growth/yr (5Y)43.0%
Balance & size
4.60×Debt / equity47.84×
$8BMarket cap$59B
healthyGrowth qualitymixed

Bajaj Housing Finance leads: 6 to 3 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Bajaj Housing Financeof which business quality 51 · market factors 42 Fmcctof which business quality 49 · market factors 15
ProfitabilityMargins and returns on capital today
35
36
Quality GrowthAre margins and returns improving?
66
29
CashflowEarnings quality: real cash, not paper profit
95
97
Fin. StrengthBalance sheet, leverage, solvency risk
0
0
InvestmentDisciplined investing over empire-building
33
62
Low VolatilityCalm price path (market factor)
84
27
MomentumPrice trend over the last 3–12 months (market factor)
29
15
52W MomentumDistance to the 52-week high (market factor)
16
3
Net IssuanceBuybacks instead of dilution
82
82

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Bajaj Housing Finance

Earnings-Based₹127
Multiples₹38.91
Asset-Based₹18.12
Growth DCF₹56.65
Economic Profit₹29.69

5 of 7 models see the stock below the current price.

Fmcct

Earnings-Based$137
Multiples$36.95
Asset-Based$14.64
Economic Profit$29.54

1 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Bajaj Housing Finance
Bear ₹46.11Fair Value ₹56.65Bull ₹76.85
₹85.79 = current price (white tick)
Fmcct
Bear $20.85Fair Value $27.80Bull $34.75
$15.25 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Bajaj Housing Finance · Financials

Quality score53 · below median
Fair value upside-34% · below median

Fmcct · Financials

Quality score53 · below median
Fair value upside+82% · Top 25%

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: Bajaj Housing Finance trades at ₹85.79 versus a fair value of ₹56.65 (-34%), while Fmcct trades at $15.25 versus $27.80 (+82%).

Bajaj Housing Finance has the higher quality score (53/100).

See the full analysis →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.