Bajaj Finance Limited
Financial trend (80/100) does the heavy lifting; valuation (11/100) is the drag.
ExpensiveOvervaluedBajaj Finance Limited earns a Hold from StocksWizard, with a blended score of 45/100. We put fair value near ₹577.56; at ₹1,034.5 that leaves roughly 44% downside, so the stock screens overvalued by 44%. On 32.5x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 11% below its 52-week high of ₹1,158.8 and 30% above the low of ₹796.65. Financial health scores 90/100, with a Piotroski F-score of 1/9. The average analyst target of ₹1,063.86 implies about 3% upside across 35 analysts. It clears 6 of 12 investability checks, with durability 70, valuation 22 and momentum 57 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 ₹462.05.
Analyst views
1-year price
EOD · 2026-09-1452-week range
-10.73% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski 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
- Pass: ROE above 15%: 17.9%
- Fail: Low debt (D/E < 0.5): 3.13x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 27%
- Pass: Earnings growing: 21%
- Pass: Net margin ≥ 10%: 43.4%
- Pass: Current ratio > 1.5: 7.20
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Pass: Above 200-day average
- Fail: 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
- Promoter56.5%
- Institutions27.0%
- Public & other16.5%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (43.4%).
Opportunities
- Earnings growing (21% YoY).
- Revenue growing (27% YoY).
Bear case
Weaknesses
- High debt relative to equity.
- Weak Piotroski score (1/9).
Threats
- Rich valuation versus sector peers.
- Trades ~44% above our estimated fair value.
About Bajaj Finance Limited
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, e-commerce purchases, retail spends, and two and three-wheelers; and personal, unsecured, home, and secured, gold, and car loans. It also provides secured and unsecured loans to micro, small, and medium enterprises, SMEs, and professionals; loans against property, mutual funds,
Bajaj Finance Limited — frequently asked questions
Is Bajaj Finance Limited a buy, hold or sell?
StocksWizard currently rates Bajaj Finance Limited (BAJFINANCE) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is Bajaj Finance Limited's fair value?
Our blended DCF and relative-valuation model estimates Bajaj Finance Limited's fair value at about ₹577.56, versus a current price of ₹1,034.5 — roughly 44% downside. On that basis the stock looks overvalued by 44%.
Is Bajaj Finance Limited financially healthy?
Bajaj Finance Limited scores 90/100 on our financial-health model, with a Piotroski F-score of 1/9.
How has Bajaj Finance Limited's share price performed?
Bajaj Finance Limited is up 8% over three months, and last traded at ₹1,034.5. 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.