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Bajaj Finance Limited (BAJFINANCE) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Bajaj Finance Limited

BAJFINANCEMarket cap $62BPrice $10.1

Country🇮🇳India

SectorFinancials

IndustryConsumer Finance

Provides consumer loans, credit cards, and financing across India through digital platforms and physical branches. Processes over 50 million loan applications annually, making it one of Asia's fastest-growing non-bank lenders.

In Bastion Portfolios?

52W Return-17%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+15%8

Revenue Forecast

Rev CAGR (1y)+29%9

Rev CAGR (3y)+24%9

Rev CAGR (5y)+24%10

Earnings Forecast

EPS Growth Y+1+12%7

EPS Growth Y+2+22%8

EPS Growth Y+3+16%8

Quality

Margins

EBIT Margin0%8

Net Income Margin43%10

Free Cash Flow Margin-142%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE19%8

ROAna–

Earnings Stability1010

GEAR+STRONG67

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)263

P/E Ratio (Forward 3y)193

P/BV5.33

EV Multiples

EV/EBITDA Fwd03

EV/EBIT Fwd03

Yield

Free Cash Flow Yield0.0%3

Dividend Yield0.6%2

Momentum

Short term

1 month return-10%3

3 month return-8%4

YTD return-2%4

Mid term

Price vs 52wHigh83%6

1 year return-5%4

Long term

3 year return+19%4

5 year return+27%5

Risk Shield

Price Risk

Beta0.67

Volatility31%7

Free Cash Flow

Free Cash Flow Margin-142%1

Free Cash Flow Yield0.0%3

Quality

ROCE15%–

Earnings Stability1010

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

BAJFINANCEBajaj Finance

Revenue FY26$4.7B

GROWTH RATING↗

VERY STRONG93 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%8

Revenue, next 1Y+29%9

Revenue, next 3Y, CAGR+24%9

Revenue, next 5Y, CAGR+24%10

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+12%7

EPS growth, FY28E+22%8

EPS growth, FY29E+16%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 93% of companies worldwide.

Revenue grew 15%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 24%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 15%/yr over the last 3 years and is set to grow 24%/yr from here.

The runway holds up: revenue is set to grow 24%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 16%/yr vs revenue 24%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

BAJFINANCEBajaj Finance

Total return Current477%

Price return Current459%

MOMENTUM RATING↗

WEAK30 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%3

3-month return-8%4

YTD return-2%4

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return-5%4

3-year return+19%4

5-year return+27%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+19% over three years and +27% over five), roughly average for the market.

It's down 5% over the past year, now 17% below its 52-week high. That is right in line with the market.

Returns sit at the market level over three months (-8%) and so far this year (-2%).

WEAKNESSES

The stock is underperforming over the past month (-10%).

BOTTOM LINE

Falling Knife

Returns rank poorly over both the short and long run, and the price is still falling. Momentum is firmly negative — catching this is a bet against the tape, not with it. Wait for a base to form. The one thing to watch: the stock is underperforming over the past month.

04Value

Are you paying a fair price for it?

Stop guessing on Bajaj Finance. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

BAJFINANCEBajaj Finance

Revenue FY26$4.7B

GROWTH RATING↗

VERY STRONG93 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+15%8

Revenue, next 1Y+29%9

Revenue, next 3Y, CAGR+24%9

Revenue, next 5Y, CAGR+24%10

EARNINGS FORECAST▾SCORE

EPS growth, FY27E+12%7

EPS growth, FY28E+22%8

EPS growth, FY29E+16%8

GROWTH ASSESSMENT

STRENGTHS

It out-grows 93% of companies worldwide.

Revenue grew 15%/yr over the last 3 years, ahead of 70% of companies worldwide.8/10

Revenue is set to grow 24%/yr over the next 3 years, ahead of most of the market.9/10

Revenue grew 15%/yr over the last 3 years and is set to grow 24%/yr from here.

The runway holds up: revenue is set to grow 24%/yr over five years.10/10

WATCH

Earnings are set to grow slower than sales (EPS about 16%/yr vs revenue 24%/yr), so margins are under pressure.

WEAKNESSES

None flagged.

BOTTOM LINE

Hyper Compounder

A top-tier grower that's speeding up. The one thing to watch: earnings are set to grow slower than sales.

03Price Momentum

Is the market behind it right now?

BAJFINANCEBajaj Finance

Total return Current477%

Price return Current459%

MOMENTUM RATING↗

WEAK30 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-10%3

3-month return-8%4

YTD return-2%4

MID & LONG-TERM▾SCORE

% of 52-week high83%6

1-year return-5%4

3-year return+19%4

5-year return+27%5

MOMENTUM ASSESSMENT

STRENGTHS

None flagged.

WATCH

Average long-term results. Multi-year returns are middling (+19% over three years and +27% over five), roughly average for the market.

It's down 5% over the past year, now 17% below its 52-week high. That is right in line with the market.

Returns sit at the market level over three months (-8%) and so far this year (-2%).

WEAKNESSES

The stock is underperforming over the past month (-10%).

BOTTOM LINE

Falling Knife

04Value

Are you paying a fair price for it?

Stop guessing on Bajaj Finance. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community