financial_services

Bajaj Holdings

BAJAJHLDNG · Nifty 50

₹10,500

Price 2026-06-17

BROAD EXPANSION73% confidence

At a Glance

Sector Positionfinancial_services sector. Flow: neutral. is not among current leaders. Regime: BROAD EXPANSION (73%).

Fundamental Score92/100 (STRONG). 1 positive flags, 3 concerns.

Historical Context133 similar technical setups. Average outcome: -10.1% decline. 0% positive.

Bank HealthROA 11.31% · PB 1.6 · Asset growth 13.2%.

Fundamental

92/100

STRONG

Trust

90/100

Verification

Coverage

44/100

LIMITED

Quick Take

Bajaj Holdings scores 92/100 on fundamentals (strong). Bajaj Holdings: BROAD EXPANSION regime.

Fundamental Score: 92/100 · STRONG · 2 signals detected

DuPont Analysis

ROE 13.2% broken into three drivers. Each shows how efficiently the company generates returns.

ROE13.2%=

94.0%Net Margin

0.1xTurnover

1.2xLeverage

ROE of 13.17% is moderate margin-driven and stable. Net margin of 94.0% × asset turnover of 0.12x × leverage of 1.2x. Low asset turnover is normal for banks.

What This Means

Net margin of 94.0% means the company keeps ₹94.0 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.12x means the company generates ₹0.12 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 1.2x means the company uses moderate debt. Returns are primarily driven by operations, not borrowing.

Margin Structure

Gross

100.0%

Operating

Net

94.0%

improving

Financial Health

Peer Comparison

Bajaj Holdings is compared against 10 peers in the financial_services sector.

360ONE AADHARHFC ABCAPITAL ANANDRATHI ANGELONE APTUS BAJAJFINSV BAJFINANCE BSE CAMS

Bank Metrics

Return on Assets

11.31%

Benchmark: >1%

Efficiency Ratio

6.0%

Lower is better

Asset Growth

+13.2%

Year over year

PB Ratio

1.6x

Price to book

ROA of 11.31% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 1.55x — trading above book. Reasonable valuation for a bank.

Key Watchpoints

🟢

Breaks above ₹11025 (+5%)

Trend reversal confirmation

🔴

Breaks below ₹9975 (-5%)

Further downside risk

🟢

Financial_Services sector entering leadership

Sector rotation signal

Detected Patterns

✅ Strong ROA: ROA of 11.31% — above 1% benchmark for banks

✅ Strong Loan Book Growth: Assets growing 13.2% — loan book expansion

Risk Flags

🔴 1 Critical⚠️ 2 Warning✅ 1 Positive4 total flags

🔴Operating cash flow significantly below net income

Cash Flow

OCF is only 0.5x net income. Profit not converting to cash — aggressive accounting possible.

⚠️Receivables increasing — 10.7% of revenue

Cash Flow

Collection cycle changing. Customers taking longer to pay — monitor DSO.

⚠️Price/Sales: 105.7x — expensive on revenue basis

Valuation

High revenue multiple. Market pricing in significant growth or margins expansion.

✅High promoter holding: 62%

Governance

Strong insider alignment. Promoters have significant skin in the game.

⚠️ 1 critical + 2 warning flags. Exercise caution.

Data Quality

90/100All ratios self-computed from verified sources. 🟢 5 years of financial data — sufficient for trend analysis

News Correlation

margin pressure (4)management outlook (4)

⚠️ Our margin analysis (improving) contradicts news reports of margin pressure — investigate

50 articles scanned for fundamental themes

Facts

P/E Ratio

11.4UNAVAILABLE

P/B Ratio

1.5HIGH

Market Cap

₹11308534.3L CrHIGH

From 52W High

71% of high

Sector Peers

← All Stocks Market GPS Daily Brief financial_services Sector