Bajaj Finserv Intrinsic Value
Bajaj Finserv (BAJAJFINSV) median intrinsic value is ₹3550.71 from 9 valuation models (range ₹563–₹4692), vs current price ₹1876.70 — +89.2% upside (Trading Below Calculated Value), margin of safety 47.1%. Analyse Bajaj Finserv ownership pattern to track promoter, FII and institutional holdings.
BAJAJFINSV Valuation Methods Summary — DCF, Graham Number & P/E
Bajaj Finserv intrinsic value across 9 models vs current price ₹1876.70 — upside/downside and value range per method. For current market price and key ratios, visit Bajaj Finserv share price screener.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹763.20 | ₹610.56 - ₹915.84 | -59.3% | EPS: ₹63.60, Sector P/E: 12x |
| Book Value Method | asset | ₹4691.75 | ₹4222.57 - ₹5160.93 | +150.0% | Book Value/Share: ₹8810.31, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹3753.40 | ₹3378.06 - ₹4128.74 | +100.0% | Revenue/Share: ₹9568.75, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹3753.40 | ₹3378.06 - ₹4128.74 | +100.0% | EBITDA: ₹57168.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹563.01 | ₹506.71 - ₹619.31 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹563.01 | ₹506.71 - ₹619.31 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹3753.40 | ₹3378.06 - ₹4128.74 | +100.0% | ROE: 14.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹3550.71 | ₹3195.64 - ₹3905.78 | +89.2% | EPS: ₹63.60, BVPS: ₹8810.31 |
| Dividend Yield Method | dividend | ₹563.01 | ₹506.71 - ₹619.31 | -70.0% | DPS: ₹1.50, Target Yield: 4.0% |
BAJAJFINSV Intrinsic Value vs Market Price — All Valuation Models
Bajaj Finserv fair value range ₹563–₹4692 vs current market price ₹1876.70 across 9 valuation models. Read Bajaj Finserv dividend payments for the complete payout history and dividend yield track record.
BAJAJFINSV Intrinsic Value Analysis — Undervalued or Overvalued?
Bajaj Finserv median intrinsic value ₹3550.71, current price ₹1876.70 — Trading Below Calculated Value by 89.2%, margin of safety 47.1%.
What is the intrinsic value of BAJAJFINSV?
Based on our comprehensive analysis using 9 different valuation methods, the estimated intrinsic value of Bajaj Finserv (BAJAJFINSV) is ₹3550.71 (median value). With the current market price of ₹1876.70, this represents a +89.2% variance from our estimated fair value.
The valuation range spans from ₹563.01 to ₹4691.75, indicating ₹563.01 - ₹4691.75.
Is BAJAJFINSV undervalued or overvalued?
Based on our multi-method analysis, Bajaj Finserv (BAJAJFINSV) appears to be trading below calculated value by approximately 89.2%.
BAJAJFINSV Financial Health — Key Ratios vs Industry Benchmarks
Bajaj Finserv 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 | 0.14 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 14.8% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 37.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.20x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
BAJAJFINSV Cash Flow Quality — Operating & Free Cash Flow
Bajaj Finserv 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 | ₹-55,301 Cr | ₹-61,619 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-61,750 Cr | ₹-65,744 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 |