Bajaj Finance Intrinsic Value
Bajaj Finance (BAJFINANCE) median intrinsic value is ₹1219.80 from 9 valuation models (range ₹329–₹2190), vs current price ₹1095.00 — +11.4% upside (Trading Below Median Value), margin of safety 10.2%. For current market price and key ratios, visit Bajaj Finance share price screener.
BAJFINANCE Valuation Methods Summary — DCF, Graham Number & P/E
Bajaj Finance intrinsic value across 9 models vs current price ₹1095.00 — upside/downside and value range per method. Read BAJFINANCE dividend payout details for the complete payout history and dividend yield track record.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹421.92 | ₹337.54 - ₹506.30 | -61.5% | EPS: ₹35.16, Sector P/E: 12x |
| Book Value Method | asset | ₹1504.64 | ₹1354.18 - ₹1655.10 | +37.4% | Book Value/Share: ₹1880.80, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1381.80 | ₹1243.62 - ₹1519.98 | +26.2% | Revenue/Share: ₹1381.80, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹2190.00 | ₹1971.00 - ₹2409.00 | +100.0% | EBITDA: ₹59736.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹328.50 | ₹295.65 - ₹361.35 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹328.50 | ₹295.65 - ₹361.35 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹2190.00 | ₹1971.00 - ₹2409.00 | +100.0% | ROE: 19.0%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹1219.80 | ₹1097.82 - ₹1341.78 | +11.4% | EPS: ₹35.16, BVPS: ₹1880.80 |
| Dividend Yield Method | dividend | ₹328.50 | ₹295.65 - ₹361.35 | -70.0% | DPS: ₹6.00, Target Yield: 4.0% |
BAJFINANCE Intrinsic Value vs Market Price — All Valuation Models
Bajaj Finance fair value range ₹329–₹2190 vs current market price ₹1095.00 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 ₹1219.80, current price ₹1095.00 — Trading Below Median Value by 11.4%, margin of safety 10.2%.
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 ₹1219.80 (median value). With the current market price of ₹1095.00, this represents a +11.4% variance from our estimated fair value.
The valuation range spans from ₹328.50 to ₹2190.00, indicating ₹328.50 - ₹2190.00.
Is BAJFINANCE undervalued or overvalued?
Based on our multi-method analysis, Bajaj Finance (BAJFINANCE) appears to be trading below median value by approximately 11.4%.
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 |
|---|---|---|---|---|
| Current Ratio | 0.06 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 19.0% | Industry Standard: 15%+ | Above 15% | Measures shareholder return efficiency |
| Operating Margin | 69.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.15x | 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 |