Bajaj Finserv Ltd.
Momentum (81/100) does the heavy lifting; valuation (13/100) is the drag.
ExpensiveOvervaluedBajaj Finserv Ltd. earns a Sell from StocksWizard, with a blended score of 44/100. We put fair value near ₹1,014.55; at ₹2,029.1 that leaves roughly 50% downside, so the stock screens overvalued by 50%. On 29.2x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 7% below its 52-week high of ₹2,174.74 and 24% above the low of ₹1,630.41. Financial health scores 51/100, with a Piotroski F-score of 1/9. The average analyst target of ₹2,159.6 implies about 6% upside across 15 analysts. It clears 4 of 12 investability checks, with durability 49, valuation 26 and momentum 81 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹811.64.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-6.70% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Sell44Piotroski F-score 1/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 14.6%
- Fail: Low debt (D/E < 0.5): 2.56x
- Fail: Positive free cash flow
- Fail: Revenue growth > 10%: 5%
- Pass: Earnings growing: 6%
- Fail: Net margin ≥ 10%: 6.6%
- Pass: Current ratio > 1.5: 2.65
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Pass: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 1/9
Quarterly results
Annual financials
Shareholding
- Promoter63.9%
- Institutions15.5%
- Public & other20.5%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bear case
Weaknesses
- High debt relative to equity.
- Weak Piotroski score (1/9).
Threats
- Rich valuation versus sector peers.
- Trades ~50% above our estimated fair value.
About Bajaj Finserv Ltd.
Bajaj Finserv operates through subsidiaries to provide financial services across India. The company's segments include life insurance, general insurance, windmill operations, retail financing, and investments. Its lending products encompass personal, business, home, home renovation, commercial, and car loans, along with two- and three-wheeler financing, mortgages, education loans, and credit facilities for small and medium-sized enterprises and professionals.
Bajaj Finserv Ltd. — frequently asked questions
Is Bajaj Finserv Ltd. a buy, hold or sell?
StocksWizard currently rates Bajaj Finserv Ltd. (BAJAJFINSV) a Sell, based on a blended score of 44/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Bajaj Finserv Ltd.'s fair value?
Our blended DCF and relative-valuation model estimates Bajaj Finserv Ltd.'s fair value at about ₹1,014.55, versus a current price of ₹2,029.1 — roughly 50% downside. On that basis the stock looks overvalued by 50%.
Is Bajaj Finserv Ltd. financially healthy?
Bajaj Finserv Ltd. scores 51/100 on our financial-health model, with a Piotroski F-score of 1/9.
How has Bajaj Finserv Ltd.'s share price performed?
Bajaj Finserv Ltd. is up 13% over three months, and last traded at ₹2,029.1. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.