BAJFINANCE vs JIOFIN
Side-by-side comparison of Bajaj Finance Ltd. and Jio Financial Services Ltd.. Descriptive only — not investment advice.
Bajaj Finance Ltd.
Banking
Quality Score: 65/100
Jio Financial Services Ltd.
Banking
Quality Score: 60/100
At a glance
| Metric | BAJFINANCE | JIOFIN |
|---|---|---|
| Quality Score | 65/100 | 60/100 |
| P/E (trailing) | 33.6 | 80.0 |
| Forward P/E | 21.7 | 57.6 |
| ROE | — | — |
| Profit margin | +43.5% | +55.0% |
| Debt-to-equity | 314.83 | 16.29 |
| Dividend yield | +0.49% | +0.23% |
| 1Y price return | +25.1% | -22.7% |
| From 52w high | -7.1% | -24.0% |
| Analyst rating1 = Strong Buy, 5 = Strong Sell | 1.92 | — |
Highlighted value = better on the metric (lower for P/E, D/E, drawdown, analyst rating; higher elsewhere). Descriptive only.
Snapshots
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.
Jio Financial Services trades at Rs 256.8, up 10.95% over the trailing 3 months but down 22.73% over the trailing 12 months and 24.04% below its 52-week high. The stock carries a trailing PE of roughly 80.0x, the richest multiple among its 6-company financial-services peer set (range 13.93x-59.15x), against a return on equity that has not exceeded 15% in any tracked year. Recent news flow is positive (4 of 6 items), centered on a mid-July Q1 result showing net profit roughly doubling year-on-year to Rs 830 crore.
Pros
- ✓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.
- ✓Profit margin of 55.01% alongside 5-year revenue and earnings growth of 208.2% and 170.2% respectively, measured from a low post-demerger base.
- ✓Debt-to-equity of roughly 0.16x is low in absolute terms even though the multi-year trend is described as rising.
- ✓Price trades above its 50-day moving average (Rs 240.8) and has gained 10.95% over the trailing 3 months.
- ✓Quality score of 65 ranks 3rd of 6 in its peer set, ahead of Bajaj Finserv (37) and HDFC Life (33).
Cons
- ✗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.
- ✗Return on equity has not exceeded 15% in any tracked year (roeYearsAbove15: 0), and free cash flow was positive in only 1 of the years tracked; the consistency score across these measures is 40 of 100.
- ✗Trailing PE of roughly 80.0x is the highest among its 6-company financial-services peer set (range 13.93x-59.15x), ranking last on PE.
- ✗Price sits about 2% below its 200-day moving average (Rs 261.71) and remains 24.04% below its 52-week high despite the recent 3-month bounce.
- ✗Analyst coverage is limited to 3 analysts with no consensus rating currently reported, and peer-level ROE and 1-year price-change data is missing for most peers, limiting how far sector comparisons can be pushed.
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For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Comparison reflects current public data; consult a registered adviser before any investment decision.