Bajaj Finserv Limited (BAJAJFINSV) AI Stock Analysis

• Market Cap: ₹3.07T
• Dividend Yield: 0.05%
• Average Volume (3M): 31.28K
• Price to Earnings (P/E): 32.2
• Beta (1Y): 0.89
• Revenue Growth: 17.28%
• EPS Growth: 13.99%
• Country: IN
• Employees: 92,079
• Sector: Financial
• Sector Strength: 72
• Industry: Financial - Conglomerates
• EPS (TTM): 9.65
• Shares Outstanding: 1,597,813,200
• 10 Day Avg. Volume: 26,590
• 30 Day Avg. Volume: 31,281
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹2,066.00
• Price Target Upside: 7.36% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 59 Neutral
• Price Target: ₹2,066.00 ▲(7.36% Upside)

The overall score of Bajaj Finserv Limited is primarily influenced by solid profitability and a strong balance sheet, yet challenged by significant cash flow issues. The technical analysis points to bearish momentum, while the valuation metrics suggest the stock may be overvalued. The absence of earnings call and corporate event data limits additional insights.

Bajaj Finserv Limited Business Overview & Revenue Model

Company Description

Bajaj Finserv Limited (BAJAJFINSV) is a prominent financial services company in India, operating in the sectors of lending, insurance, and wealth advisory. As a part of the Bajaj Group, it provides a comprehensive range of products including consumer finance, SME finance, commercial lending, and insurance solutions such as life insurance, general insurance, and health insurance. Bajaj Finserv is known for leveraging technology and innovation to deliver customer-centric solutions, thereby establishing a robust presence in the financial services industry.

How the Company Makes Money

Bajaj Finserv makes money primarily through its diverse financial services offerings. The company's revenue model includes interest income from lending operations, which is derived from providing consumer loans, SME loans, and commercial loans. In addition to lending, Bajaj Finserv generates significant revenue from its insurance businesses, which encompass life insurance, general insurance, and health insurance. Premiums collected from policyholders contribute to the company's earnings, along with investment income from the management of insurance funds. The company also benefits from strategic partnerships and collaborations with various sectors to expand its customer base and product offerings, enhancing its revenue streams. Furthermore, Bajaj Finserv's focus on digital transformation and innovation helps in optimizing operations and expanding market reach, contributing positively to its overall financial performance.

Bajaj Finserv Limited Financial Statement Overview

Summary

Bajaj Finserv Limited's financials show solid profitability and a strong balance sheet but are hindered by negative cash flows. The income statement suggests effective cost management but inconsistent revenue growth. The balance sheet reflects controlled leverage and equity stability. However, cash flow issues highlight challenges in cash management and sustainability.

Income Statement

Bajaj Finserv Limited has shown a mixed performance in its income statement. The gross profit margin is reasonably strong, suggesting effective cost management. However, the net profit margin is relatively low due to substantial expenses. Revenue growth has been inconsistent, with notable fluctuations over the years. The EBIT and EBITDA margins are positive, indicating operational efficiency improvements. Overall, while there is some profitability and efficiency, the inconsistent revenue growth presents a challenge.

Balance Sheet

The balance sheet displays a solid equity position with a reasonable debt-to-equity ratio, indicative of controlled leverage. The return on equity is fairly positive, showcasing effective use of equity capital. The equity ratio is stable, reflecting a balanced capital structure. The financial health is stable, with manageable debt levels, although there are potential risks if debt levels rise without corresponding asset growth.

Cash Flow

The cash flow statement highlights challenges, with negative operating and free cash flows over several years, raising concerns about long-term sustainability. The operating cash flow to net income ratio indicates operational struggles in converting income into cash. The free cash flow to net income ratio further emphasizes cash generation issues. Despite strong financing cash flows, the reliance on external funding poses risks.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	672.01B	676.24B	539.51B	783.83B	644.47B	550.36B
Gross Profit	462.65B	433.14B	1.09T	280.85B	219.29B	178.79B
EBITDA	245.63B	249.19B	406.75B	272.20B	194.40B	173.90B
Net Income	45.54B	88.72B	81.48B	64.17B	45.57B	44.70B
Balance Sheet
Total Assets	6.52T	6.52T	5.38T	4.06T	3.34T	2.80T
Cash, Cash Equivalents and Short-Term Investments	58.17B	58.17B	819.51B	25.94B	449.10B	442.77B
Total Debt	2.84T	2.84T	2.29T	1.68T	1.30T	1.03T
Total Liabilities	5.24T	5.24T	4.34T	3.28T	2.67T	2.22T
Stockholders Equity	723.95B	723.95B	603.29B	464.07B	402.46B	358.30B
Cash Flow
Free Cash Flow	0.00	-639.77B	-684.77B	-407.00B	-345.80B	40.77B
Operating Cash Flow	0.00	-621.13B	-675.16B	-394.80B	-336.70B	45.47B
Investing Cash Flow	0.00	-79.87B	-121.18B	-139.45B	14.45B	-36.84B
Financing Cash Flow	0.00	701.91B	827.09B	510.16B	323.26B	16.87B

Bajaj Finserv Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 1924.40
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BAJAJFINSV, the sentiment is Neutral. The current price of 1924.4 is below the 20-day moving average (MA) of 1963.72, below the 50-day MA of 1993.76, and above the 200-day MA of 1857.46, indicating a neutral trend. The MACD of -26.50 indicates Positive momentum. The RSI at 39.84 is Neutral, neither overbought nor oversold. The STOCH value of 35.51 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:BAJAJFINSV.

Bajaj Finserv Limited Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.53B	11.77	10.43%	3.83%	9.84%	1.31%
BAJFINANCE	67 Neutral	₹5.36T	30.64		1.90%	24.87%	15.62%
HDFCLIFE	61 Neutral	₹1.70T	90.31		0.27%	-5.42%	14.77%
BAJAJFINSV	59 Neutral	₹3.07T	32.23		0.05%	17.28%	13.99%
ICICIPRULI	56 Neutral	₹905.88B	71.70		0.14%	-23.85%	44.83%

Bajaj Finserv Limited Corporate Events

Bajaj Finserv Gains IRDAI Approval for Allianz Stake Acquisition

Bajaj Finserv Limited has received approval from the Insurance Regulatory and Development Authority of India (IRDAI) to acquire a 26% equity stake in its insurance subsidiaries, Bajaj Allianz General Insurance Company Limited and Bajaj Allianz Life Insurance Company Limited, from Allianz SE. This acquisition, involving Bajaj Holdings & Investment Ltd and Jamnalal Sons Private Ltd, is expected to strengthen Bajaj Finserv’s control over its insurance operations, potentially enhancing its market position and operational synergies.

Bajaj Finserv Announces 18th Annual General Meeting Details

Bajaj Finserv Limited announced the publication of advertisements regarding its 18th Annual General Meeting scheduled for July 25, 2025, at Hotel Hyatt Regency in Pune. The announcement includes details about the meeting and e-voting information, underscoring the company’s commitment to transparency and stakeholder engagement.