Bajaj Finserv Intrinsic Value
BAJAJFINSV Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹676.80 | ₹541.44 - ₹812.16 | -67.1% | EPS: ₹56.40, Sector P/E: 12x |
| Book Value Method | asset | ₹5146.25 | ₹4631.62 - ₹5660.88 | +150.0% | Book Value/Share: ₹8027.12, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹4117.00 | ₹3705.30 - ₹4528.70 | +100.0% | Revenue/Share: ₹9192.25, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹4117.00 | ₹3705.30 - ₹4528.70 | +100.0% | EBITDA: ₹53664.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹617.55 | ₹555.79 - ₹679.30 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹617.55 | ₹555.79 - ₹679.30 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹4117.00 | ₹3705.30 - ₹4528.70 | +100.0% | ROE: 14.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹3191.62 | ₹2872.46 - ₹3510.78 | +55.0% | EPS: ₹56.40, BVPS: ₹8027.12 |
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Valuation Comparison Chart
BAJAJFINSV Intrinsic Value Analysis
What is the intrinsic value of BAJAJFINSV?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Bajaj Finserv (BAJAJFINSV) is ₹4117.00 (median value). With the current market price of ₹2058.50, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹617.55 to ₹5146.25, indicating ₹617.55 - ₹5146.25.
Is BAJAJFINSV undervalued or overvalued?
Based on our multi-method analysis, Bajaj Finserv (BAJAJFINSV) 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 | 0.14 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Debt to Equity Ratio | 5.08 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 14.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 36.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.23x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
Related Pages for Bajaj Finserv
Additional stock information and data for BAJAJFINSV
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2025 | ₹-62,113 Cr | ₹-66,107 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-65,502 Cr | ₹-72,568 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-39,480 Cr | ₹-46,453 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-33,670 Cr | ₹-33,670 Cr | Negative Cash Flow | 3/10 |
| March 2021 | ₹4,547 Cr | ₹2,705 Cr | Positive Free Cash Flow | 8/10 |