` Comparison: BFIN vs BAJFINANCE - Alpha Spread
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BFIN
vs
BAJFINANCE

Over the past 12 months, BFIN has outperformed BAJFINANCE, delivering a return of -1% compared to the BAJFINANCE's 6% drop.

Valuation Growth Profitability Solvency Stocks Performance
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BFIN
BAJFINANCE
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Stocks Compared:
BFIN BAJFINANCE
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Valuation Comparison

BFIN Intrinsic Value
1 043.26 IDR
Undervaluation 31%
Intrinsic Value
Price
BAJFINANCE Intrinsic Value
892.24 INR
Undervaluation 7%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
BFI Finance Indonesia Tbk PT
IDX:BFIN
720 IDR
Bajaj Finance Ltd
NSE:BAJFINANCE
830.05 INR
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
BFIN, BAJFINANCE

BFIN
BAJFINANCE
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
BFI Finance Indonesia Tbk PT
Revenue
Bajaj Finance Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
BFIN, BAJFINANCE

BFIN
BAJFINANCE
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
BFI Finance Indonesia Tbk PT
IDX:BFIN
Bajaj Finance Ltd
NSE:BAJFINANCE
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What is Free Cash Flow?

Gross Margin

BFIN
0%
BAJFINANCE
60.5%

Operating Margin

BFIN
45.6%
BAJFINANCE
43.2%

Net Margin

BFIN
25.2%
BAJFINANCE
22.9%

FCF Margin

BFIN
7.2%
BAJFINANCE
-83.6%

ROE

BFIN
15.3%
BAJFINANCE
19%

ROA

BFIN
6.5%
BAJFINANCE
3.9%

ROIC

BFIN
10.2%
BAJFINANCE
5.8%

ROCE

BFIN
14.1%
BAJFINANCE
8.7%

Solvency Comparison

BFI Finance Indonesia Tbk PT
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Bajaj Finance Ltd
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
BFIN, BAJFINANCE

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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
BFIN, BAJFINANCE

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BFIN
BAJFINANCE
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
BFIN, BAJFINANCE

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