Bajaj Finance Ltd
Ticker: BAJFINANCE
Decent
48/100
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Investing Reference
Price
1059.90
Market Cap
659319.72
Debt/Equity
3.6513
ROE %
18.946
PB
6.6640
Promoter %
54.732
Pledge %
0.000
1Y Rev Growth %
26.827
5Y Rev Growth %
21.458
NP Margin %
23.856
NP Margin 5Y Avg %
23.338
Trading Reference
1M Return %
1.752
6M Return %
15.950
1Y Return %
51.050
% Away 52W High
0.292
% Away 52W Low
64.300
Daily Volume
10205158
Investment Verdict
Risky
Score 57/100 · Position size: 6%
Higher volatility/weak areas. Consider only a small allocation if risk appetite is high.
Trading Verdict
Watch
Score 62/100 · Position size: 10%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Bajaj Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level, there is a potential for significant upside. However, if it falls below the support, downside risks could materialize.
Upside Probability: 20% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Bajaj Finance Ltd is a leading non-banking financial company in India, offering a wide range of financial services including consumer loans, personal loans, and insurance. It caters to individuals and businesses seeking flexible financial solutions. With a robust digital platform and a strong customer base, Bajaj Finance plays a vital role in empowering consumers and facilitating growth for small and medium enterprises. Its commitment to innovation and customer satisfaction makes it a trusted partner in achieving financial goals.
- Leading non-banking financial company in India
- Offers diverse financial services
- Caters to individuals and businesses
- Strong digital platform for easy access
- Commitment to innovation and customer satisfaction
- Empowers consumers and facilitates growth
Investment Thesis
Bajaj Finance Ltd presents a compelling investment opportunity due to its robust promoter credibility, significant growth in digital services, and attractive valuation compared to peers. The company's strong fundamentals and innovative offerings position it well for future growth in the evolving financial landscape.
- Strong promoter group with a proven track record enhances investor confidence.
- Rapid growth in digital services expands market reach and customer base.
- Attractive valuation metrics compared to industry peers indicate potential upside.
- Robust risk management practices ensure stability amidst market fluctuations.
- Diversified product offerings cater to a wide range of consumer needs.
Opportunity vs Risk
Opportunities
- Strong growth in digital lending
- Expanding customer base
- Increasing demand for consumer finance
- Robust financial performance
- Innovative product offerings
Risks ⚠️
- High competition in fintech
- Regulatory changes impact
- Economic slowdown effects
- Rising interest rates
- Credit risk management challenges
Peer Perspective
Bajaj Finance Ltd trades at a premium compared to peers like HDFC Bank and ICICI Bank, reflecting strong growth potential. For a rerating, sustained margin stability and robust loan growth are essential.
Future Outlook
Bajaj Finance Ltd is well-positioned for growth in the evolving financial landscape, provided it maintains strong execution and cost control measures to navigate potential challenges effectively.
AI FAQs for Retail Users
- Q: What does Bajaj Finance Ltd do?A: Bajaj Finance Ltd is a leading non-banking financial company offering loans, credit cards, and investment products.
- Q: Is Bajaj Finance a good investment?A: Investment suitability depends on individual financial goals and risk tolerance. Consider consulting a financial advisor.
- Q: What are the risks of investing in Bajaj Finance?A: Risks include market volatility, regulatory changes, and company-specific performance issues. Always research before investing.
- Q: How can I buy Bajaj Finance shares?A: You can buy shares through a stockbroker or an online trading platform.
- Q: What is the dividend policy of Bajaj Finance?A: Bajaj Finance has historically paid dividends, but future payments depend on company performance and board decisions.
📊 Stock Investment Checklist (100 Points)
Bajaj Finance Ltd • Updated: 2025-09-16 19:48:05
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10BusinessHighBajaj Finance operates in a growing financial services sector with a clear business model and competitive advantages.
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10GrowthHighThe company has shown consistent revenue and profit growth over the past few years.
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10ProfitabilityHighStrong ROE and ROCE, but OCF is slightly lower compared to net profit.
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8ValuationHighValuation metrics like P/E and P/B are higher than peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity could be improved.
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9GovernanceHighPromoter holding is strong with minimal pledging, but disclosures could be enhanced.
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8DriversHighGrowth catalysts are present, but execution risks remain due to market competition.
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6TechnicalsGoodMarket sentiment is mixed with moderate liquidity and some volatility in price action.
Final Score & Verdict
Score 48 / 100
• Decent
Bajaj Finance Ltd shows decent fundamentals with growth potential, but valuation concerns and execution risks warrant caution.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 85/100
- Growth Potential: 90/100
- Profitability: 88/100
- Governance: 80/100
- Market Confidence: 87/100