Bajaj Finance Limited

NSE: BAJFINANCE

Financial Services NBFC

₹957.35

-2.52%EOD · 19 Oct

India's most valuable NBFC — a consumer lending powerhouse financing EMI purchases, personal loans, gold loans, and SME credit. Exceptional tech platform and cross-sell engine across 88 million customers.

Market Cap

₹5.96 L Cr

52W Range

₹1176 / ₹788

Volume

8309K

55.9% delivery

1Y Return

-9.7%

P/E Ratio

29.4

P/B Ratio

5.4

ROE

17.9%

Debt / Equity

314.83

Peers in Financial Services

Top 8 by market cap

Company	LTP	Market Cap	P/E	P/B	ROE %	Div Yld %
Bajaj Finance Limited(this stock)	₹957.35	₹5.96 L Cr	29.4	5.4	17.9%	0.56%
Bajaj Finserv LimitedBAJAJFINSV	₹1,700	₹2.72 L Cr	27.4	3.5	14.6%	0.08%
Shriram Finance LimitedSHRIRAMFIN	₹926.5	₹2.18 L Cr	16.6	2.7	18.5%	1.14%
Jio Financial Services LimitedJIOFIN	₹214	₹1.41 L Cr	82.2	1.1	1.3%	0.27%
Union Bank of IndiaUNIONBANK	₹180.7	₹1.38 L Cr	6.3	0.9	15.8%	2.90%
ICICI Prudential Asset Management Company LimitedICICIAMC	₹2,775.5	₹1.37 L Cr	39.3	26.0	76.2%	0.96%
Cholamandalam Investment and Finance Company LimitedCHOLAFIN	₹1,553	₹1.33 L Cr	23.3	4.4	19.3%	0.13%
Tata Capital LimitedTATACAP	₹314.25	₹1.33 L Cr	25.3	3.0	12.0%	0.18%
Bajaj Holdings & Investment LimitedBAJAJHLDNG	₹11,265	₹1.25 L Cr	14.1	1.7	11.6%	1.16%

Quality Score

Durability · Valuation · Momentum — objective math, not advice

49/100

Composite score: 40% quality, 30% valuation, 30% momentum

QualityGood · 63

ValuationAverage · 45

MomentumWeak · 35

High debt load (D/E 314.8)

Consistent high ROE for 11+ years

In confirmed downtrend (Stage 4)

Technical Indicators

Full analysis · objective math, not advice

Returns

-2.5%

+0.0%

-8.0%

-9.7%

+2.4%

-9.7%

Weinstein Stage

Stage 4 — Declining (downtrend)

RSI (14)

45 Neutral

Trend Template

3/7weak

RS vs Nifty (3M)

-3.4pp

Moving Averages (price vs MA)

20-DMA

₹973

below

50-DMA

₹1027

below

150-DMA

₹978

below

200-DMA

₹975

below

From 52W High

-18.6%

From 52W Low

+21.5%

Support (20D)

₹937

Resistance (20D)

₹1043

Technical indicators are objective calculations from historical EOD prices (RSI, moving averages, Weinstein stage, Minervini trend-template, relative strength). For educational reference only — not a buy/sell recommendation.

Quality Signals

Multi-year consistency · Source: Screener annual data

ROE Consistency

11/12 years ≥15%

✓ Consistent compounder

Revenue Growth

— CAGR

Up 0 of last 0 years

Earnings Quality

Accrual-heavy (watch)

OCF / Net Profit = -2.29x · 1/12 yrs +ve cash flow

Quality signals derived from multi-year annual financials. ROE consistency = years with ≥15% return on equity. Cash-backed = operating cash flow vs reported net profit (≥1x means earnings are converted to real cash, not just accruals). Educational reference only — not investment advice.

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