financial_services · BAJFINANCE
Bajaj Finance
Bajaj Finance: PE above historical average. NARROW LEADERSHIP regime.
Price
₹1,053.5
Price 2026-07-30
5 day
+4.02%
Short-term move
1 month
+4.85%
Medium-term
Regime
NARROW LEADERSHIP
62% confidence
Market cap
₹648.2k Cr
neutral sector flow
Market Intelligence Analyst
Understand today's market in about 2 minutes.
“How does today's NARROW LEADERSHIP regime affect Bajaj Finance (BAJFINANCE) in the financial_services sector?”
Price chart
₹1,048
+11.95% over period
About Bajaj Finance
Bajaj Finance Limited operates as a deposit-taking non-banking financial company in India. The company offers financing for various products, such as consumer electronics, furniture, digital products, lifestyle products, lifecare services, e-commerce purchases, retail spends, and two and three-wheelers; and personal, unsecured, home, secured, gold, and car loans. It also provides secured and unsecured loans to micro, small, and medium enterprises; loans against property, mutual funds, insurance policies, and shares; developer finance and lease rental discounting services; commercial vehicle financing; and new and used car financing, and tractor financing. In addition, the company offers commercial and rural lending; public and corporate deposits; loans against securities; micro-finance and auto financing lending; proprietary trading, ESOP financing, and broking and margin trade financing services. Further, it distributes life, health, and general insurance products. The company was formerly known as Bajaj Auto Finance Limited and changed its name to Bajaj Finance Limited in September 2010. The company was incorporated in 1987 and is based in Pune, India. Bajaj Finance Limited is...
At a Glance
RSI pattern warning
RSI oversold bounces for this stock succeeded only 0% of the time (avg -9.8% over 14 days) — not a reliable pattern.
52-week position
Trading at 95.6% of 52-week high
Technicals
RSI 14
59.2
Trend
uptrend
50 DMA
Above
200 DMA
Above
Key metrics
P/E ratio
34.2
71th pct · 7 quarterly points (limited history)
P/B
5.7
ROE
17.9%
Moderate profitability — 17.9% ROE
Market cap
₹648.2k Cr
Revenue growth
2680.0% YoY
Promoter
56.5%
52-week range
₹787.9 – ₹1,102.5
95.6% of high
RSI (14)
59.2
uptrend
vs 50 DMA
Above
DMA ₹975.12
Fundamental
92/100
STRONG
Trust
90/100
Verification
Coverage
100/100
HIGH
Quick Take
Bajaj Finance scores 92/100 on fundamentals (strong). Bajaj Finance: PE above historical average. NARROW LEADERSHIP regime.
Fundamental Score: 92/100 · STRONG · 3 signals detected
DuPont Analysis
ROE 17.8% broken into three drivers. Each shows how efficiently the company generates returns.
ROE of 17.81% is moderate leverage-driven and stable. Net margin 38.6%, asset turnover 0.09x, leverage 4.9x. Low asset turnover is normal for banks.
What This Means
Net margin of 38.6% means the company keeps ₹38.6 as profit for every ₹100 of revenue. This is a healthy margin. Asset turnover of 0.09x means the company generates ₹0.09 of revenue for every ₹1 of assets. This is a capital-heavy business. Leverage of 4.9x means the company uses significant debt. Higher leverage amplifies returns but also risk.
Margin Structure
Gross
100.0%
Operating
%
Net
38.6%
Financial Health
Peer comparison
| Stock | Price | 5D | P/E | ROE | Rev growth | Mcap |
|---|---|---|---|---|---|---|
| BAJAJFINSV Bajaj Finserv | ₹1,909.4 | +1.1% | 30.9 | 14.6% | 530% | ₹3.0L 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 |
| BAJFINANCE Bajaj Finance | ₹1,053.5 | +1.3% | 34.2 | 17.9% | 2680% | ₹6.5L Cr |
Bank Metrics
Return on Assets
3.63%
Benchmark: >1%
Efficiency Ratio
61.4%
Lower is better
Asset Growth
+20.1%
Year over year
PB Ratio
5.7x
Price to book
ROA of 3.63% is strong (benchmark: >1% for banks). Strong asset utilization. P/B of 5.69x — trading above book. Premium valuation — market pricing in high growth expectations.
Key Watchpoints
Breaks above ₹1106 (+5%)
Trend reversal confirmation
Breaks below ₹1001 (-5%)
Further downside risk
PE reverts to median of 31.9 (7 quarterly points (limited history))
Valuation normalization
Financial_Services sector entering leadership
Sector rotation signal
Detected Patterns
Risk Flags
OCF is only -3.2x net income. Profit not converting to cash — aggressive accounting possible.
Working capital is consuming significant cash. Operational efficiency declining.
High revenue multiple. Market pricing in significant growth or margins expansion.
Profits are from core operations, not one-offs. High quality.
Strong insider alignment. Promoters have significant skin in the game.
⚠️ 1 critical + 2 warning flags. Exercise caution.
Data Quality
News Correlation
50 articles scanned for fundamental themes
