Bajaj Finance Intrinsic Value
Bajaj Finance intrinsic value. Bajaj Finance (BAJFINANCE) median intrinsic value is ₹1305.59 from 9 valuation models (range ₹283–₹1884), vs current price ₹942.10 — +38.6% upside (Trading Below Calculated Value), margin of safety 27.8%. Read BAJFINANCE dividend payout details for the complete payout history and dividend yield track record.
BAJFINANCE Valuation Methods Summary — DCF, Graham Number & P/E
Bajaj Finance intrinsic value across 9 models vs current price ₹942.10 — upside/downside and value range per method. For current market price and key ratios, visit Bajaj Finance share price screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹483.36 | ₹386.69 - ₹580.03 | -48.7% | EPS: ₹40.28, Sector P/E: 12x |
| Book Value Method | asset | ₹1504.64 | ₹1354.18 - ₹1655.10 | +59.7% | Book Value/Share: ₹1880.80, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1573.63 | ₹1416.27 - ₹1730.99 | +67.0% | Revenue/Share: ₹1573.63, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1884.20 | ₹1695.78 - ₹2072.62 | +100.0% | EBITDA: ₹69400.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹282.63 | ₹254.37 - ₹310.89 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹331.91 | ₹298.72 - ₹365.10 | -64.8% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1884.20 | ₹1695.78 - ₹2072.62 | +100.0% | ROE: 21.8%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹1305.59 | ₹1175.03 - ₹1436.15 | +38.6% | EPS: ₹40.28, BVPS: ₹1880.80 |
| Dividend Yield Method | dividend | ₹282.63 | ₹254.37 - ₹310.89 | -70.0% | DPS: ₹6.00, Target Yield: 4.0% |
BAJFINANCE Intrinsic Value vs Market Price — All Valuation Models
Bajaj Finance fair value range ₹283–₹1884 vs current market price ₹942.10 across 9 valuation models. Compare with BAJFINANCE fair value to assess whether the stock is under or overvalued.
BAJFINANCE Intrinsic Value Analysis — Undervalued or Overvalued?
Bajaj Finance median intrinsic value ₹1305.59, current price ₹942.10 — Trading Below Calculated Value by 38.6%, margin of safety 27.8%.
What is the intrinsic value of BAJFINANCE?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Bajaj Finance (BAJFINANCE) is ₹1305.59 (median value). With the current market price of ₹942.10, this represents a +38.6% variance from our estimated fair value.
The valuation range spans from ₹282.63 to ₹1884.20, indicating ₹282.63 - ₹1884.20.
Is BAJFINANCE undervalued or overvalued?
Based on our multi-method analysis, Bajaj Finance (BAJFINANCE) appears to be trading below calculated value by approximately 38.6%.
BAJFINANCE Financial Health — Key Ratios vs Industry Benchmarks
Bajaj Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 21.8% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 71.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.17x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
BAJFINANCE Cash Flow Quality — Operating & Free Cash Flow
Bajaj Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-65,790 Cr | ₹-67,485 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-67,792 Cr | ₹-69,175 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-72,760 Cr | ₹-76,346 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-42,112 Cr | ₹-47,309 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-37,029 Cr | ₹-37,029 Cr | Negative Cash Flow | 3/10 |