Bajaj Finserv Ltd
NSE: BAJAJFINSV BSE: 532978
₹2019.60
(0.34)%
Wed, 04 Feb 2026, 04:35 pm
Market Cap3216.48B
PE Ratio33.60
Dividend0.05
Finance
Life/Health Insurance
24.5KAnalysis
dividend
- Bajaj Finserv is not paying a notable dividend for India, therefore no need to check if the payments are increasing.
- No need to calculate the sustainability of Bajaj Finserv's dividends as it is not paying a notable one for India.
- No need to calculate the sustainability of Bajaj Finserv's dividends in 3 years as they are not expected to pay a notable one for India.
- Bajaj Finserv is not paying a notable dividend for India, therefore no need to check if the payments are stable.
- Bajaj Finserv's pays a lower dividend yield than the bottom 25% of dividend payers in India (0.76%).
- Bajaj Finserv's dividend is below the markets top 25% of dividend payers in India (3.08%).
future
- Bajaj Finserv's earnings are expected to grow significantly at over 20% yearly.
- Bajaj Finserv's earnings growth is expected to exceed the India market average.
- Bajaj Finserv's earnings growth is expected to exceed the low risk savings rate of 7.2%.
- Bajaj Finserv's earnings are expected to exceed the low risk growth rate next year.
- Bajaj Finserv's earnings are expected to increase by more than the low risk growth rate in 3 years time.
- Bajaj Finserv's net income is expected to increase by more than 50% in 2 years time.
- Performance (ROE) is expected to be above the current IN Insurance industry average.
- An improvement in Bajaj Finserv's performance (ROE) is expected over the next 3 years.
- Bajaj Finserv is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
- Bajaj Finserv's revenue is expected to increase but not above the 50% threshold in 2 years time.
- Bajaj Finserv's revenue is expected to grow by 2.8% yearly, however this is not considered high growth (20% yearly).
- Bajaj Finserv's revenue growth is positive but not above the India market average.
health
- Bajaj Finserv is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- Bajaj Finserv is profitable, therefore cash runway is not a concern.
- Bajaj Finserv is profitable, therefore cash runway is not a concern.
- Low level of unsold assets.
- Operating cash flow is negative therefore debt is not well covered.
- Debt is not covered by short term assets, assets are 0.1x debt.
- Bajaj Finserv's long term commitments exceed its cash and other short term assets.
- The level of debt compared to net worth has increased over the past 5 years (173.6% vs 206.8% today).
- Interest payments on debt are not well covered by earnings (EBIT is 1.9x annual interest expense, ideally 3x coverage).
- Bajaj Finserv's level of debt (206.8%) compared to net worth is high (greater than 40%).
management
- Sanjiv's remuneration is about average for companies of similar size in India.
- The tenure for the Bajaj Finserv management team is about average.
- The average tenure for the Bajaj Finserv board of directors is less than 3 years, this suggests a new board.
- Sanjiv's compensation has increased by more than 20% in the past year whilst earnings grew less than 20%.
misc
- Bajaj Finserv has significant price volatility in the past 3 months.
past
- Bajaj Finserv's year on year earnings growth rate has been positive over the past 5 years.
- Bajaj Finserv used its assets more efficiently than the IN Insurance industry average last year based on Return on Assets.
- Bajaj Finserv's earnings growth has exceeded the IN Insurance industry average in the past year (4.7% vs 1.5%).
- Bajaj Finserv's 1-year earnings growth is less than its 5-year average (4.7% vs 15.9%)
- Bajaj Finserv's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
- Bajaj Finserv has not efficiently used shareholders’ funds last year (Return on Equity less than 20%).
value
- Bajaj Finserv is good value based on assets compared to the IN Insurance industry average.
- Bajaj Finserv is good value based on expected growth next year.
- Bajaj Finserv is good value based on earnings compared to the IN Insurance industry average.
- BSE:532978 is up 8.5% outperforming the Insurance industry which returned 3.6% over the past month.
- BSE:532978 is up 8.5% along with the India market (8%) over the past month.
- Bajaj Finserv's share price is above the future cash flow value, it's not available at a moderate discount (< 20%).
- Bajaj Finserv's share price is above the future cash flow value, it's not available at a substantial discount (< 40%).
- Bajaj Finserv is overvalued based on earnings compared to the India market.
- 532978 underperformed the Insurance industry which returned -7.3% over the past year.
- 532978 underperformed the Market in India which returned -14.5% over the past year.
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Pocketful Fintech Capital Private Limited (CIN U65999DL2021PTC390548) | The SEBI Registration No. allotted to us is INZ000313732. NSE Member Code: 90326 | BSE Member Code: 6808 | MCX Member Code: 57120 DP | CDSL: 12099800