Bajaj Finance Intrinsic Value
BAJFINANCE Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹376.80 | ₹301.44 - ₹452.16 | -55.9% | EPS: ₹31.40, Sector P/E: 12x |
| Book Value Method | asset | ₹2137.62 | ₹1923.86 - ₹2351.38 | +150.0% | Book Value/Share: ₹7978.79, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1710.10 | ₹1539.09 - ₹1881.11 | +100.0% | Revenue/Share: ₹6410.65, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1710.10 | ₹1539.09 - ₹1881.11 | +100.0% | EBITDA: ₹54264.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹256.51 | ₹230.86 - ₹282.16 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹258.74 | ₹232.87 - ₹284.61 | -69.7% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1710.10 | ₹1539.09 - ₹1881.11 | +100.0% | ROE: 20.0%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹2374.24 | ₹2136.82 - ₹2611.66 | +177.7% | EPS: ₹31.40, BVPS: ₹7978.79 |
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Valuation Comparison Chart
BAJFINANCE Intrinsic Value Analysis
What is the intrinsic value of BAJFINANCE?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Bajaj Finance (BAJFINANCE) is ₹1710.10 (median value). With the current market price of ₹855.05, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹256.51 to ₹2374.24, indicating ₹256.51 - ₹2374.24.
Is BAJFINANCE undervalued or overvalued?
Based on our multi-method analysis, Bajaj Finance (BAJFINANCE) appears to be trading below calculated value by approximately 100.0%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.06 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 20.0% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 68.0% | 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 |
Related Pages for Bajaj Finance
Additional stock information and data for BAJFINANCE
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-68,155 Cr | ₹-69,538 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-69,843 Cr | ₹-74,887 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-42,112 Cr | ₹-47,309 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-37,090 Cr | ₹-37,090 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹-807 Cr | ₹-1,022 Cr | Negative Cash Flow | 3/10 |