Bajaj Finserv Ltd (BAJAJFINSV) Fair Value & Analysis
Financial Services · IN · Market cap ₹3.1T
Fair value as of: Jul 13, 2026
From 15 valuation models · updated 21 days ago
Share price +12.7% over the past month.
Below-average quality, and screening another 66% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (₹852.87). The favourable scenario is already priced in.
- Solid but not exceptional quality (47/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 13, 2026.
How to read this chart
60‑month range ₹945.57 – ₹2,174 · fair‑value band ₹511.72 – ₹852.87 · the ₹2,029 price screens above the ₹682.29 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 13, 2026.
Analysis
Bajaj Finserv Ltd (BAJAJFINSV) currently trades at ₹2,029, while our model-based Fair Value estimate is ₹682.29, implying the stock looks roughly 66.4% overvalued today. We read business quality at 47/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, Bajaj Finserv Ltd generated revenue of ₹1.5T at a net margin of 6.6%. Revenue grew 5.3% year over year. It earns a return on equity of 14.6%. Net debt stands at ₹3.4T. Fundamentals as of Jul 13, 2026
Our scenario range runs from ₹511.72 (bear case) to ₹852.87 (bull case); at ₹2,029, the current price sits above that range. The share trades about 8% below its 52-week high and 27% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -15% fair-value upside, at -66%, BAJAJFINSV screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 15 models by family
Widest divergence: Growth Earnings (₹2,765) versus Dividend Discount (₹198.81). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 32 · Market factors (momentum, volatility) 61
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Bajaj Finserv Ltd., through its subsidiaries, provides financial services in India. The company operates through Life Insurance, General Insurance, Windmill, Retail Financing, and Investments and Others segments.
Full company description
Bajaj Finserv Ltd., through its subsidiaries, provides financial services in India. The company operates through Life Insurance, General Insurance, Windmill, Retail Financing, and Investments and Others segments. It offers personal, business, home, home renovation, commercial, car, and gold loans; two- and three-wheeler loans; mortgages; education loans; unsecured and secured loans to small and medium-sized enterprises and professionals, as well as micro, small and medium enterprises; loans against properties, securities, car, mutual funds, bonds, and insurance policy; financing for products, such as consumer electronics, digital, lifecare, furniture, etc.; developer financing; and lease rental discounting products. The company also provides investment products, including fixed deposits, systematic deposit plans, and mutual funds; savings products; life, health, motor, fire, engineering, liabilities, marine, crop, car, two-wheeler, pet, home, travel, and personal accident insurance products; wealth management and retirement planning services; healthcare services comprising wellness, outpatient, and inpatient services; and wallets and credit cards. In addition, it offers pocket subscription plans; bill and recharge services; digital technology services; and trading and demat account, stock broking, margin trading, and HNI and retail broking services, as well as gold loans. Further, the company owns and operates 138 windmills with total installed capacity of 65.2 megawatts. Bajaj Finserv Ltd. was incorporated in 2007 and is based in Pune, India.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Bajaj Finserv Ltd reported revenue of ₹1.5T in FY2026 versus ₹314B in FY2022, a compound +48.4%/yr. Reported net income was ₹98.0B in FY2026, compounding +21.1%/yr from FY2022.
BAJAJFINSV screens 66% overvalued. Compare with ORIX Corporation →
Peer Group
Financial Conglomerates · 56 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Financial Conglomerates median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Financial Conglomerates stocks, each showing price versus our Fair Value estimate (as of Jul 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| ORIX Corporation IX | $40.31 | $35.05 | -13% |
| China Galaxy Securities Co 601881 | ¥12.94 | ¥18.92 | +46% |
| Guosen Securities Co 002736 | ¥10.34 | ¥17.96 | +74% |
| CNPC Capital Company 000617 | ¥6.80 | ¥5.78 | -15% |
| Aditya Birla Capital Limited ABCAPITAL | ₹399.25 | ₹176.15 | -56% |
| Freedom Holding FRHC | $152.69 | $32.75 | -79% |
| Voya Financial, Inc VOYA | $98.49 | $76.48 | -22% |
| Guangzhou Yuexiu Capital Holdings 000987 | ¥7.77 | ¥9.27 | +19% |
| Bicecorp S.A BICE | 401.29 CLP | 342.22 CLP | -15% |
| First Capital Securities Co 002797 | ¥6.60 | ¥3.40 | -48% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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