BAJFINANCE:NSE-Bajaj Finance Limited (INR)

COMMON STOCK | Credit Services | NSE

Last Closing Price

INR 4,972.55

Change

-145.75 (-2.85)%

Market Cap

INR 2,995.43B

Volume

3.08M

Average Target Price

INR 4,387.48 (-11.77%)
Average Analyst Rating

Verdict

Fundamental Analysis

Verdict

About

Bajaj Finance Ltd. operates as a non-banking financial company in India. It offers durable, lifestyle, digital product, two and three wheeler, retailer, developer, used car, vendor, light engineering, corporate, and warehouse finance; personal, gold, home, business, working capital, and professional loans; and loan against fixed deposits, shares, properties, and securities. The company provides extended warranty; retail EMI; e-commerce; lease rental discounting; EMI cards, and co-branded credit cards and wallets, as well as offers investment services, such as fixed deposits and mutual funds. 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 Ltd. is a subsidiary of Bajaj Finserv Limited. Address: Panchshil Tech Park, Pune, India, 411 014

Technical Indicators

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2021-01-22 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap Price / Earning Ratio EV/EBITDA
SBICARD:NSE SBI Cards and Payment Services..

+53.10 (+5.42%)

INR970.83B 110.48 N/A
MUTHOOTFIN:NSE Muthoot Finance Limited

-17.50 (-1.48%)

INR467.43B 13.50 N/A
CHOLAFIN:NSE Cholamandalam Investment and F..

-9.55 (-2.21%)

INR346.04B 26.25 N/A
PEL:NSE Piramal Enterprises Limited

-76.05 (-4.86%)

INR335.52B 230.33 7.97
PFC:NSE Power Finance Corporation Limi..

-3.05 (-2.57%)

INR304.94B 3.39 9.63
SRTRANSFIN:NSE Shriram Transport Finance Comp..

-55.80 (-4.63%)

INR291.19B 12.87 11.23
RECLTD:NSE REC Limited

-2.40 (-1.68%)

INR276.59B 4.48 10.46
M&MFIN:NSE Mahindra & Mahindra Financial ..

-7.30 (-4.03%)

INR214.80B 11.21 41.24
L&TFH:NSE L&T Finance Holdings Limited

-3.50 (-3.66%)

INR198.75B 10.36 N/A
SUNDARMFIN:NSE Sundaram Finance Limited

-45.15 (-2.48%)

INR197.29B 20.00 10.67

ETFs Containing BAJFINANCE

Symbol Name Weight Mer Price(Change) Market Cap
FLIN Franklin FTSE India ETF 0.00 % 0.19 %

-0.32 (-1.16%)

INR0.01B
NFTY First Trust India NIFTY 5.. 0.00 % 0.80 %

+0.01 (+0.01%)

INR3.88M
NDIA:LSE iShares MSCI India UCITS .. 0.00 % 0.65 %

-0.07 (-1.08%)

INR0.64B

Market Performance

  Market Performance vs.
Industry/Classification (Credit Services)
Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain -5.83% 10% F 26% F
Dividend Return N/A N/A N/A N/A N/A
Total Return -5.83% 10% F 26% F
Trailing 12 Months  
Capital Gain 18.55% 80% B- 53% F
Dividend Return N/A N/A N/A N/A N/A
Total Return 18.55% 80% B- 53% F
Trailing 5 Years  
Capital Gain 327.15% 86% B 95% A
Dividend Return 1.60% 5% F 15% F
Total Return 328.75% 86% B 94% A
Average Annual (5 Year Horizon)  
Capital Gain 33.43% 88% B+ 90% A-
Dividend Return 0.21% 13% F 16% F
Total Return 33.64% 85% B 90% A-
Risk Return Profile  
Volatility (Standard Deviation) 38.76% 41% F 50% F
Risk Adjusted Return 86.80% 93% A 96% A
Market Capitalization 2,995.43B 100% A+ 99% A+
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Key Financial Ratios

  Ratio vs. Industry/Classification
(Credit Services)
Ratio vs. Market
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
Market Value  
Price / Earning Ratio 74.77 7% F 15% F
Price/Book Ratio 9.29 5% F 8% F
Price / Cash Flow Ratio -12.26 90% A- 92% A-
EV/EBITDA 20.10 61% D- 32% F
Management Effectiveness  
Return on Equity 15.93% 83% B 82% B-
Return on Invested Capital 4.57% 66% D 45% F
Return on Assets 2.91% 75% C 57% F
Debt to Equity Ratio 318.43% 50% F 5% F
Technical Ratios  
Short Ratio N/A N/A N/A N/A N/A
Short Percent N/A N/A N/A N/A N/A
Beta 1.38 28% F 22% F
Letter Grade Percentage Letter Grade Percentage Letter Grade Percentage
A+ 97%-100% A 93%-96% A- 90%-92%
B+ 97%-89% B 83%-86% B- 80%-82%
C+ 77%-79% C 73%-76% C- 70%-72%
D+ 67%-69% D 63%-66% D- 60%-62%
F 0%-59%

Annual Financials (INR)

Quarterly Financials (INR)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

Fundamental Analysis Breakdown

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
High market capitalization

This is one of the largest entities in its sector and is among the top quartile. Such companies tend to be more stable.

Superior risk adjusted returns

This stock has performed well, on a risk adjusted basis, compared to its sector peers(for a hold period of at least 12 months) and is in the top quartile.

High dividend returns

The stock has outperformed its sector peers on average annual dividend returns basis in the past 5 years (for a hold period of at least 12 months) and is in the top quartile. This can be a good buy, especially if it is outperforming on total return basis , for investors seeking high income yields.

Superior return on equity

The company management has delivered better return on equity in the most recent 4 quarters then its peers, placing it in the top quartile.

Superior return on assets

The company management has delivered better return on assets in the most recent 4 quarters than its peers, placing it in the top quartile.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

Superior Earnings Growth

This stock has shown top quartile earnings growth in the previous 5 years compared to its sector.

Superior Revenue Growth

This stock has shown top quartile revenue growth in the previous 5 years compared to its sector.

What to not like:
High volatility

The total returns for this company are volatile and above median for its sector over the past 5 years. Make sure you have the risk tolerance for investing in such stock.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced compared to earnings

The stock is trading high compared to its peers on a price to earning basis and is above the sector median.

Overpriced compared to book value

The stock is trading high compared to its peers median on a price to book value basis.

Higly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Negative cashflow

The company had negative total cash flow in the most recent four quarters.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.