BAJAJFINSV vs BAJFINANCE
Side-by-side comparison of Bajaj Finserv Ltd. and Bajaj Finance Ltd.. Descriptive only — not investment advice.
Bajaj Finserv Ltd.
Banking
Quality Score: 55/100
Bajaj Finance Ltd.
Banking
Quality Score: 65/100
At a glance
| Metric | BAJAJFINSV | BAJFINANCE |
|---|---|---|
| Quality Score | 55/100 | 65/100 |
| P/E (trailing) | 32.1 | 33.6 |
| Forward P/E | 21.6 | 21.7 |
| ROE | — | — |
| Profit margin | +6.5% | +43.5% |
| Debt-to-equity | 256.40 | 314.83 |
| Dividend yield | +0.06% | +0.49% |
| 1Y price return | +5.2% | +25.1% |
| From 52w high | -7.8% | -7.1% |
| Analyst rating1 = Strong Buy, 5 = Strong Sell | 1.71 | 1.92 |
Highlighted value = better on the metric (lower for P/E, D/E, drawdown, analyst rating; higher elsewhere). Descriptive only.
Snapshots
BAJAJFINSV trades at ₹2,021.30, up 5.15% over the past year and 16.25% over the past three months, sitting 7.83% below its 52-week high and above both its 50-day (₹1,845.34) and 200-day (₹1,910.70) moving averages. Trailing PE is 32.12x (forward 21.56x) against a mean analyst rating of 1.71 across 14 analysts (1-5 scale, lower = more constructive), while five-year persistence tracking shows 0 of 5 years with ROE above 15% and 0 of 5 years with positive free cash flow. Q1 FY27 results reported 18% profit growth and 19% income growth alongside board approval to enter the reinsurance business.
BAJFINANCE trades at ₹1,093.30, up 25.13% over the past year and 7.06% below its 52-week high, holding above both its 50-day (₹1,008) and 200-day (₹968.62) moving averages with a neutral RSI of 55.39. The stock carries a trailing PE of 33.63x (forward PE 21.70x) against a 43.5% profit margin and 27.2% five-year earnings growth, with a mean analyst rating of 1.92 across 36 analysts (1-5 scale, lower = more constructive). News flow over the tracked period has been positive (4 positive, 4 neutral, 0 negative of 8 articles), concentrated around the July 30, 2026 Q1 FY27 results.
Pros
- ✓Price trades above both the 50-day (₹1,845.34) and 200-day (₹1,910.70) moving averages, with RSI at 60.83 (neutral).
- ✓Mean analyst rating of 1.71 across 14 analysts (1-5 scale, lower = more constructive).
- ✓News sentiment over the tracked window is positive (5 of 8 items, 0 negative), driven by Q1 FY27 profit growth of 18% and income growth of 19%.
- ✓Five-year revenue growth of 19.3% and earnings growth of 12.7%, alongside board approval to enter the reinsurance business reported 31 Jul 2026.
- ✓ROE was above 15% in 4 of the past 5 tracked years, with a consistency score of 63.
- ✓Five-year revenue growth of 26.1% and earnings growth of 27.2%, alongside a 43.5% profit margin.
- ✓Forward PE of 21.70x runs well below the trailing PE of 33.63x.
- ✓Price holds above both the 50-day (₹1,008) and 200-day (₹968.62) moving averages, with RSI at a neutral 55.39 and only 7.06% below the 52-week high.
Cons
- ✗Five-year persistence data shows ROE above 15% in 0 of 5 years and positive free cash flow in 0 of 5 years, with a consistency score of 29/100 and a rising debt trend.
- ✗Composite quality score of 37 ranks 5th of 6 tracked financial-sector peers, trailing AXISBANK (70), HDFCBANK (66), ICICIBANK (64), and BAJFINANCE (47).
- ✗Debt-to-equity of approximately 2.56x reflects the leverage structure of a diversified lending and insurance holding company; ROE itself is not reported in the current fundamentals snapshot, limiting direct profitability comparison.
- ✗Most of the trailing 12-month price gain (+5.15%) occurred within the most recent 3 months (+16.25%), with price roughly flat over the preceding nine months.
- ✗Free cash flow was not positive in any of the 5 tracked years, and debt-to-equity (roughly 3.15x once corrected for the percent-scaling in the source data) shows a rising trend.
- ✗Trailing PE of 33.63x ranks 5th of 6 in the tracked Banking-sector peer set -- the second-richest valuation after HDFCLIFE (58.71x) -- while its quality score of 47 ranks only 4th of 6.
- ✗20.82 of the 25.13-percentage-point one-year price gain (about 83%) occurred in the trailing 3 months, coinciding with the Q1 FY27 results window rather than a broader multi-quarter advance.
- ✗Current fiscal-year ROE is not available in the fundamentals data (only the 5-year persistence series), and 1-year price-change data is missing for all 5 tracked sector peers, limiting sector-relative return comparisons.
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