Bajaj Finance Intrinsic Value
Bajaj Finance (BAJFINANCE) median intrinsic value is ₹1381.80 from 8 valuation models (range ₹290–₹1937), vs current price ₹968.30 — +42.7% upside (Trading Below Calculated Value), margin of safety 29.9%. 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 8 models vs current price ₹968.30 — upside/downside and value range per method. Browse Bajaj Finance financial data for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹421.92 | ₹337.54 - ₹506.30 | -56.4% | EPS: ₹35.16, Sector P/E: 12x |
| Book Value Method | asset | ₹1466.23 | ₹1319.61 - ₹1612.85 | +51.4% | Book Value/Share: ₹1832.78, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹1381.80 | ₹1243.62 - ₹1519.98 | +42.7% | Revenue/Share: ₹1381.80, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹1936.60 | ₹1742.94 - ₹2130.26 | +100.0% | EBITDA: ₹59736.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹290.49 | ₹261.44 - ₹319.54 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹290.49 | ₹261.44 - ₹319.54 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹1936.60 | ₹1742.94 - ₹2130.26 | +100.0% | ROE: 19.5%, P/E Multiple: 14x |
| Graham Defensive Method | conservative | ₹1204.12 | ₹1083.71 - ₹1324.53 | +24.4% | EPS: ₹35.16, BVPS: ₹1832.78 |
BAJFINANCE Intrinsic Value vs Market Price — All Valuation Models
Bajaj Finance fair value range ₹290–₹1937 vs current market price ₹968.30 across 8 valuation models. Also explore Bajaj Finance stock price data download to track price trends across different timeframes.
BAJFINANCE Intrinsic Value Analysis — Undervalued or Overvalued?
Bajaj Finance median intrinsic value ₹1381.80, current price ₹968.30 — Trading Below Calculated Value by 42.7%, margin of safety 29.9%.
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 ₹1381.80 (median value). With the current market price of ₹968.30, this represents a +42.7% variance from our estimated fair value.
The valuation range spans from ₹290.49 to ₹1936.60, indicating ₹290.49 - ₹1936.60.
Is BAJFINANCE undervalued or overvalued?
Based on our multi-method analysis, Bajaj Finance (BAJFINANCE) appears to be trading below calculated value by approximately 42.7%.
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 | 19.5% | 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 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 |