Bajaj Finserv Intrinsic Value
Bajaj Finserv (BAJAJFINSV) median intrinsic value is ₹3567.20 from 8 valuation models (range ₹535–₹3896), vs current price ₹1783.60 — +100.0% upside (Trading Below Calculated Value), margin of safety 50.0%. For current market price and key ratios, visit Bajaj Finserv share price screener.
BAJAJFINSV Valuation Methods Summary — DCF, Graham Number & P/E
Bajaj Finserv intrinsic value across 8 models vs current price ₹1783.60 — upside/downside and value range per method. Browse Bajaj Finserv financial data for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹763.20 | ₹610.56 - ₹915.84 | -57.2% | EPS: ₹63.60, Sector P/E: 12x |
| Book Value Method | asset | ₹3895.75 | ₹3506.18 - ₹4285.33 | +118.4% | Book Value/Share: ₹4869.69, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹3567.20 | ₹3210.48 - ₹3923.92 | +100.0% | Revenue/Share: ₹9568.75, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹3567.20 | ₹3210.48 - ₹3923.92 | +100.0% | EBITDA: ₹57168.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹535.08 | ₹481.57 - ₹588.59 | -70.0% | EPS Growth: 8.0%, Fair P/E: 6.4x |
| Growth Adjusted P/E | growth | ₹535.08 | ₹481.57 - ₹588.59 | -70.0% | Revenue Growth: 6.0%, Adj P/E: 8.2x |
| ROE Based Valuation | profitability | ₹3567.20 | ₹3210.48 - ₹3923.92 | +100.0% | ROE: 26.8%, P/E Multiple: 16x |
| Graham Defensive Method | conservative | ₹2639.80 | ₹2375.82 - ₹2903.78 | +48.0% | EPS: ₹63.60, BVPS: ₹4869.69 |
BAJAJFINSV Intrinsic Value vs Market Price — All Valuation Models
Bajaj Finserv fair value range ₹535–₹3896 vs current market price ₹1783.60 across 8 valuation models. Also explore BAJAJFINSV share price data to track price trends across different timeframes.
BAJAJFINSV Intrinsic Value Analysis — Undervalued or Overvalued?
Bajaj Finserv median intrinsic value ₹3567.20, current price ₹1783.60 — Trading Below Calculated Value by 100.0%, margin of safety 50.0%.
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 ₹3567.20 (median value). With the current market price of ₹1783.60, this represents a +100.0% variance from our estimated fair value.
The valuation range spans from ₹535.08 to ₹3895.75, indicating ₹535.08 - ₹3895.75.
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%.
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 | 0.12 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 26.8% | Industry Standard: 15%+ | Above 15% | 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 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 |