BAJAJHFL (BAJAJHFL) Fair Value & Analysis
Financial Services · Market cap ₹761B
Fair value as of: Jul 5, 2026
From 15 valuation models · updated today
Share price +9.2% over the past month.
Price vs Fair Value (12 months)
12‑month range ₹73.09 – ₹123.35 · fair‑value band ₹46.11 – ₹62.82 · the ₹91.33 price screens above the ₹61.48 fair value. As of Jul 5, 2026.
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BAJAJHFL (BAJAJHFL) currently trades at ₹91.33, while our model-based Fair Value estimate is ₹61.48 — implying the stock looks roughly 32.7% overvalued today. We read business quality at 44/100 (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: high).
Over the trailing twelve months, BAJAJHFL generated revenue of ₹41.6B at a net margin of 61.5%. Revenue grew 42.3% year over year. It earns a return on equity of 12.1%. Net debt stands at ₹1.0T. Fundamentals as of Jul 5, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jul 5, 2026. TTM = trailing twelve months.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
BAJAJHFL reported revenue of ₹110B in FY2026 versus ₹36.9B in FY2022, a compound +31.5%/yr. Reported net income was ₹25.6B in FY2026, compounding +37.8%/yr from FY2022.
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Similar stocks
6 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Jul 5, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $16.50 | $27.69 | +68% |
| Rocket Companies, Inc RKT | $14.03 | $17.54 | +25% |
| Federal National Mortgage Association FNMAS | $11.61 | $23.22 | +100% |
| PennyMac Financial Services, Inc PFSI | $84.04 | $125.45 | +49% |
| LIC Housing Finance Limited LICHSGFIN | ₹553.70 | ₹1,107 | +100% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,064 | ₹1,143 | +7% |
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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.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.