Overview
Bajaj Finserv Limited is one of India’s larger financial services groups, with businesses spanning lending, insurance, wealth and related financial products. For Australian investors following offshore financials, the appeal lies in its broad platform and exposure to India’s long-run consumer and credit growth story. The shares recently traded at INR 1,770.00, slightly above the previous close of INR 1,762.30, as the market continued to weigh the company’s growth profile against its valuation and the stock’s recent pullback from higher levels.
The company operates through a diversified set of segments that includes life insurance, general insurance, retail financing, investments and other financial services. Its lending platform covers personal, home, business and gold loans, along with loans against property, securities and insurance policies, plus financing for two-wheelers, three-wheelers, used cars, tractors and consumer purchases. Bajaj Finserv also offers investment products, fixed deposits, stock trading and mutual funds, while its insurance arm provides a wide range of life, health, motor, property and specialty cover. That mix gives the group a broad base of fee, interest and insurance-related income, supported by scale: market capitalisation stands at INR 2.8T and revenue over the last 12 months is INR 1.6T. Revenue growth of 19.30% points to a business still expanding at a healthy clip, while profit margin of 6.47% suggests a business model that is profitable, but not high-margin by the standards of some financial platforms.
Key facts
- Ticker
- BAJAJFINSV
- Exchange
- NSE
- ISIN
- INE918I01026
- Sector
- Financial Services
- Industry
- Financial Conglomerates
- Country
- India
- Currency
- INR
- Price
- INR 1,730.00
- Previous close
- INR 1,731.00
- Day change
- -INR 1.00 (-0.06%)
- Market cap
- 2.8T
- 52W low
- INR 1,595.64
- 52W high
- INR 2,193.14
Price and trend
Last price: INR 1,730.00
- Price
- INR 1,730.00
- 52W range
- INR 1,595.64 – INR 2,193.14
- 50-day SMA
- INR 1,948.17
- 200-day SMA
- INR 1,877.32
- Price vs 50D SMA
- -11.20%
- Price vs 200D SMA
- -7.85%
Valuation
- P/E
- 27.37
- EPS
- 63.25
- Dividend yield
- 0.00%
- Beta
- 0.37
At the current share price, Bajaj Finserv trades on a price-to-earnings ratio of 27.91. That is not a low multiple, so the market is clearly paying for the company’s diversified financial franchise, size and growth potential. The valuation needs to be viewed alongside earnings per share of INR 63.15 and the company’s strong revenue expansion, which help explain why investors may be willing to accept a richer rating than a slower-growing financial institution would command. The dividend profile is limited for now, with a dividend yield of 0.00% and dividend per share of zero, so the investment case is tied more closely to capital growth and business execution than to income.
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Profitability and growth
- Revenue growth
- 19.30%
- Revenue TTM
- 1.6T
- Profit margin
- 6.47%
Analyst view
Comparison uses the last price shown; targets are analyst estimates.
- Price
- INR 1,730.00
- Target price
- INR 2,367.00
- Target vs last price
- 36.82% from last price
Analyst target price data puts the shares at INR 2,367.00, which is 33.73% from the last price. While that gives a sense of how some market participants are framing the stock’s medium-term value, the more important question is whether Bajaj Finserv can keep converting its broad product suite into sustained growth and stable returns. The company’s low beta of 0.371 also suggests the share price has historically moved with less volatility than the broader market, which may appeal to investors looking for a large-cap financial name with comparatively subdued trading swings. Technically, the shares are below both the 50-day moving average of INR 1,956.71 and the 200-day moving average of INR 1,883.06, sitting 9.54% and 6.00% under those levels respectively. That places the stock in a softer short-to-medium term trend even though the current price remains above the 52-week low of INR 1,595.64 and below the 52-week high of INR 2,193.14. The broader message is that the business fundamentals remain constructive, but the market has not yet fully restored the shares to their earlier range.
Risks
The main risk is valuation discipline: a P/E of 27.91 leaves less room for disappointment if growth slows or profitability comes under pressure. Profit margin of 6.47% shows the company operates with meaningful earnings, but also that the business is not exceptionally high margin, so credit costs, insurance claims, regulatory changes or competitive pressure could affect results. The stock’s position below both key moving averages indicates the share price has been softer than the company’s longer-term business momentum might imply, which can extend if sentiment stays cautious. Even with revenue growth of 19.30%, investors still need to watch whether that growth continues to translate into steady bottom-line improvement across a complex financial group.
FAQ
What does Bajaj Finserv Limited do?
Bajaj Finserv is a diversified financial services group in India. Its businesses include lending, life and general insurance, investments and related financial products across consumer and business segments.
Is Bajaj Finserv a dividend stock?
Not at present. The stock has a dividend yield of 0.00% and dividend per share of zero, so the story is more focused on growth than income.
How is the stock valued?
Bajaj Finserv trades on a price-to-earnings ratio of 27.91. That places it in a growth-oriented valuation range, reflecting its scale and expansion profile.
What is the recent technical position of the shares?
The shares are trading below both the 50-day moving average of INR 1,956.71 and the 200-day moving average of INR 1,883.06, which suggests the recent price trend has been softer than the company’s underlying growth profile.
What is the 52-week trading range?
The stock has traded between INR 1,595.64 and INR 2,193.14 over the past 52 weeks.
*This content is aimed to provide general information only, and does not take your personal objectives, financial situation or needs into account.
