Bajaj Finance Ltd
BSE:500034
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Bajaj Finance Ltd
BSE:500034
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Intrinsic Value
The intrinsic value of 
Bajaj Finance Ltd (500034) under the Base Case is 1 597.48 INR per share.
Compared with the current market price of 940.7 INR, the stock appears
Undervalued by 41% .
The intrinsic value is calculated using the DCF method.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Bajaj Finance Does
Bajaj Finance Ltd is a non-bank lender that gives loans and offers payment products to consumers and small businesses in India. It finances purchases such as consumer goods, two-wheelers, used cars, homes, and business equipment, and it also offers cards, deposits, and related financial services. Its main customers are retail borrowers, self-employed people, and small firms that need quick access to credit.
- Headquarters
- India IN
- Employees
- 64 092
- IPO date
- Feb 9, 1995
Bajaj Finance has no economic moat
Borrowers can choose another lender for their next loan without moving their existing accounts, leaving Bajaj Finance exposed to competing offers. Banks such as HDFC Bank also offer personal loans and purchase financing, so these products are not exclusive to Bajaj Finance.
Read the full moat analysis
Revenue & Expenses Breakdown
Bajaj Finance Ltd
Earnings Waterfall
Bajaj Finance Ltd
The intrinsic value for Bajaj Finance Ltd (500034) under the Base Case is 1 597.48 INR.
Compared with the current market price of 940.7 INR, the stock appears Undervalued by 41% .