Bajaj Finserv Limited (BAJAJFINSV) AI Stock Analysis

• Market Cap: ₹2.86T
• Dividend Yield: 0.05%
• Average Volume (3M): 50.84K
• Price to Earnings (P/E): 36.5
• Beta (1Y): 1.10
• Revenue Growth: 16.27%
• EPS Growth: 13.70%
• Country: IN
• Employees: 92,079
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Conglomerates
• EPS (TTM): 14.00
• Shares Outstanding: 1,600,550,000
• 10 Day Avg. Volume: 55,500
• 30 Day Avg. Volume: 50,845
• PEG Ratio: 4.00
• Price to Book (P/B): 4.26
• Price to Sales (P/S): 4.56
• P/FCF Ratio: -4.82
• 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: ₹2,200.00
• Price Target Upside: 7.94% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): 80.77
• Revenue Forecast (FY): ₹1.68T

• Rating: 65 Neutral
• Price Target: ₹1,923.00 ▼(-5.65% Downside)
• Action: Reiterated Date: 10/22/25
• Date: Action: Reiterated 10/22/25

Bajaj Finserv Limited's overall stock score is driven by solid financial performance and strong technical indicators, despite cash flow challenges and a high valuation. The stock's bullish momentum is a significant positive, but potential overvaluation and cash management issues warrant caution.

Positive Factors

Diversified financial-services platform

A diversified group spanning lending, general and life insurance and wealth distribution provides multiple, stable revenue streams and reduces concentration risk. This structure supports cross‑sell, leverages distribution scale and digital partnerships, sustaining earnings across cycles.

Negative Factors

Weak operating cash conversion

Persistent negative operating and free cash flows suggest difficulty converting accounting profits into cash, increasing dependence on external financing. Over time this can constrain organic capital allocation, raise funding costs and limit dividend sustainability at the parent level.

Bajaj Finserv Limited Business Overview & Revenue Model

Company Description

Bajaj Finserv Ltd., through its subsidiaries, provides financial services in India. The company operates through Life Insurance, General Insurance, Windmill, Retail Financing, and Investments and Others segments. It offers personal, business, home...

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Bajaj Finserv Ltd., through its subsidiaries, provides financial services in India. The company operates through Life Insurance, General Insurance, Windmill, Retail Financing, and Investments and Others segments. It offers personal, business, home...

How the Company Makes Money

Bajaj Finserv makes money primarily through its financial services businesses, with earnings largely generated at its operating subsidiaries and upstreamed to the holding company via dividends and other returns on investments. 1) Lending (NBFC) i...

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Bajaj Finserv makes money primarily through its financial services businesses, with earnings largely generated at its operating subsidiaries and upstreamed to the holding company via dividends and other returns on investments. 1) Lending (NBFC) i...

Bajaj Finserv Limited Financial Statement Overview

Breakdown	TTM	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	740.01B	676.24B	539.51B	402.87B	314.27B	270.21B
Gross Profit	476.20B	433.14B	355.52B	280.85B	219.29B	178.79B
EBITDA	534.95B	492.28B	406.75B	296.90B	213.32B	195.02B
Net Income	96.81B	88.72B	81.48B	64.17B	45.57B	44.70B
Balance Sheet
Total Assets	7.08T	6.52T	5.38T	4.06T	3.34T	2.80T
Cash, Cash Equivalents and Short-Term Investments	23.23B	58.17B	819.51B	25.94B	449.10B	442.77B
Total Debt	3.22T	2.84T	2.29T	1.68T	1.30T	1.03T
Total Liabilities	5.72T	5.24T	4.34T	3.28T	2.67T	2.22T
Stockholders Equity	764.90B	723.95B	603.29B	464.07B	402.46B	358.30B
Cash Flow
Free Cash Flow	-261.67B	-639.77B	-684.77B	-407.00B	-345.80B	40.77B
Operating Cash Flow	-257.46B	-621.13B	-675.16B	-394.80B	-336.70B	45.47B
Investing Cash Flow	-98.47B	-79.87B	-121.18B	-139.45B	14.45B	-36.84B
Financing Cash Flow	317.84B	701.91B	827.09B	510.16B	323.26B	16.87B

Bajaj Finserv Limited Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 2038.25
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 2038.25 is above the 20-day moving average (MA) of 1725.85, above the 50-day MA of 1880.65, and above the 200-day MA of 1990.31, indicating a neutral trend. The MACD of -33.93 indicates Negative momentum. The RSI at 50.95 is Neutral, neither overbought nor oversold. The STOCH value of 88.29 is Negative, 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
HDFCLIFE	68 Neutral	₹1.34T	96.63	―	0.28%	-17.31%	11.68%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
SBILIFE	66 Neutral	₹1.92T	88.47	―	0.13%	―	―
BAJAJFINSV	65 Neutral	₹2.86T	36.52	―	0.05%	16.27%	13.70%
BAJFINANCE	64 Neutral	₹5.59T	38.55	―	0.56%	22.38%	18.37%
ABCAPITAL	63 Neutral	₹883.86B	24.77	―	―	7.07%	-13.03%
ICICIPRULI	55 Neutral	₹792.87B	―	―	0.13%	-42.13%	48.75%

Bajaj Finserv Limited Corporate Events