financial_services · BAJAJFINSV
Bajaj Finserv
Bajaj Finserv: PE above historical average. NARROW LEADERSHIP regime.
Price
₹1,909.4
Price 2026-07-30
5 day
+1.74%
Short-term move
1 month
+7.26%
Medium-term
Regime
NARROW LEADERSHIP
62% confidence
Market cap
₹301.4k Cr
neutral sector flow
Market Intelligence Analyst
Understand today's market in about 2 minutes.
“How does today's NARROW LEADERSHIP regime affect Bajaj Finserv (BAJAJFINSV) in the financial_services sector?”
Price chart
₹1,928
-6.23% over period
About Bajaj Finserv
Bajaj Finserv Ltd., through its subsidiaries, provides financial services in India. The company operates through Life Insurance, General Insurance, Windmill, Retail Financing, and Investments and Others segments. It offers personal, home, business, gold, loan for doctors and lawyers; loan against properties, securities, car, fixed deposit, insurance policy, mutual funds, and shares; unsecured and secured loans to small and medium-sized enterprises; two- and three-wheeler loans; used car and tractor loan; financing for products, such as consumer electronics, digital, furniture, e-commerce purchases and retail spends; developer financing; and lease rental discounting products. The company also provides investment products, including fixed deposits, stock trading, and mutual funds; savings products; life, health, motor, fire, engineering, liabilities, marine, crop, car, two-wheeler, pet, home, travel, and personal accident insurance products; wealth management and retirement planning services; healthcare services comprising wellness, outpatient, and inpatient services; and credit cards. In addition, it owns and operates 138 windmills with total installed capacity of 65.2 megawatts....
At a Glance
RSI pattern warning
RSI oversold bounces for this stock succeeded only 0% of the time (avg -10.2% over 14 days) — not a reliable pattern.
52-week position
Trading at 87% of 52-week high
Technicals
RSI 14
48.7
Trend
mixed
50 DMA
Above
200 DMA
Below
Key metrics
P/E ratio
30.9
43th pct · 7 quarterly points (limited history)
P/B
3.9
ROE
14.6%
Moderate profitability — 14.6% ROE
Market cap
₹301.4k Cr
Revenue growth
530.0% YoY
Promoter
63.9%
52-week range
₹1,597 – ₹2,195
87% of high
RSI (14)
48.7
mixed
vs 50 DMA
Above
DMA ₹1,804.96
Fundamental
92/100
STRONG
Trust
90/100
Verification
Coverage
100/100
HIGH
Quick Take
Bajaj Finserv scores 92/100 on fundamentals (strong). Bajaj Finserv: PE above historical average. NARROW LEADERSHIP regime.
Fundamental Score: 92/100 · STRONG · 3 signals detected
DuPont Analysis
ROE 12.6% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 12.57% is moderate leverage-driven and stable. Net margin 7.7%, asset turnover 0.17x, leverage 9.7x. High leverage amplifies returns but increases risk. Low asset turnover is normal for banks.
What This Means
Net margin of 7.7% means the company keeps ₹7.7 as profit for every ₹100 of revenue. This is a moderate-margin business. Asset turnover of 0.17x means the company generates ₹0.17 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 9.7x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
43.1%
Net
7.7%
Gross margin 100.0% → operating margin 43.1% → net margin 7.7%. Margins are IMPROVING. Strong pricing power with stable gross margins suggests the improvement is from operating leverage — sustainable.
Financial Health
Debt Sustainability
STRETCHEDInterest covered only 2.0x — stretched. Rising rates could pressure profitability.
Peer comparison
| Stock | Price | 5D | P/E | ROE | Rev growth | Mcap |
|---|---|---|---|---|---|---|
| BAJFINANCE Bajaj Finance | ₹1,053.5 | +1.3% | 34.2 | 17.9% | 2680% | ₹6.5L Cr |
| BAJAJHLDNG Bajaj Holdings | ₹10,970 | +3.1% | 12.4 | 12.6% | -4830% | ₹1.2L Cr |
| ABCAPITAL Aditya Birla Capital | ₹394.05 | +0.5% | 28.4 | 11.2% | 770% | ₹1.1L Cr |
| 360ONE 360 ONE WAM | ₹1,142.9 | +5.5% | 39.3 | 14.4% | 2690% | ₹46.8k Cr |
| ANANDRATHI Anand Rathi Wealth | ₹2,039.3 | -0.5% | 87.4 | 46.7% | 4760% | ₹34.1k Cr |
| ANGELONE Angel One | ₹291.65 | -4.7% | 34.1 | 15.5% | 3350% | ₹30.7k Cr |
| AADHARHFC Aadhar Housing Finance | ₹490.75 | -2.0% | 22 | 15.8% | 2090% | ₹23.9k Cr |
| APTUS Aptus Value Housing | ₹277.2 | -2.6% | 15.2 | 20.1% | 2210% | ₹14.3k Cr |
| BAJAJFINSV Bajaj Finserv | ₹1,909.4 | +1.1% | 30.9 | 14.6% | 530% | ₹3.0L Cr |
Bank Metrics
Return on Assets
1.29%
Benchmark: >1%
Efficiency Ratio
92.3%
Lower is better
Asset Growth
+16.3%
Year over year
PB Ratio
3.9x
Price to book
ROA of 1.29% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 3.87x — trading above book. Premium valuation — market pricing in high growth expectations.
Key Watchpoints
Breaks above ₹2005 (+5%)
Trend reversal confirmation
Breaks below ₹1814 (-5%)
Further downside risk
PE reverts to median of 30.9 (7 quarterly points (limited history))
Valuation normalization
Financial_Services sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
OCF is only -5.6x net income. Profit not converting to cash — aggressive accounting possible.
Working capital is consuming significant cash. Operational efficiency declining.
Profits are from core operations, not one-offs. High quality.
Strong insider alignment. Promoters have significant skin in the game.
⚠️ 1 critical + 1 warning flags. Exercise caution.
Data Quality
News Correlation
50 articles scanned for fundamental themes
