Bajaj Finserv Ltd.
NSE: BAJAJFINSVBajaj Finserv Ltd.: A 30-second snapshot
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.
P/E
32.1
Forward P/E
21.6
ROE
—
Debt / Equity
256.40
Profit Margin
+6.5%
Div. Yield
+0.1%
5Y ROE > 15%
0/5
5Y FCF > 0
0/5
Quality
55/100
News
8 headlines · 5 positive · 0 negative
Bajaj Finserv Ltd. Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Predictions - simplywall.st
simplywall.st
Bajaj Finserv Q1 Profit Rises 18% to Rs 6,297 Cr, Board Approves Entry In re-Insurance Biz - HDFC Sky
HDFC Sky
BAJAJFINSV: Strong revenue and profit growth in Q1 FY2027, led by lending and insurance segments - TradingView
TradingView
Bajaj Finserv Secures Board Approval to Enter Reinsurance Business - marketscreener.com
marketscreener.com
BAJAJFINSV: Q1 FY27 saw 19% income growth, 18% profit rise, and strong segment performance - TradingView
TradingView
Recent context
- ·Q1 FY27 results reported 18% profit growth to ₹6,297 crore and 19% income growth, led by lending and insurance segments (reported 30-31 Jul 2026).
- ·Board approved entry into the reinsurance business, reported 31 Jul 2026.
- ·News coverage in the tracked window (8 items) is concentrated around this late-July/early-August results and reinsurance-approval window rather than spread across multiple independent developments.
Strengths
- +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.
Weaknesses
- −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.
Open questions
- ?Does the 0-of-5-year ROE-above-15% persistence record reflect accounting treatment specific to a financial holding company, or a structural profitability pattern worth tracking over more years?
- ?How does the rising debt trend at a diversified lending/insurance holding company compare with the leverage trajectory of its listed lending subsidiary and sector peers?
- ?What is driving the quality-composite score's 5th-of-6 sector ranking, and how does it weigh capital-intensive lending/insurance metrics against traditional banking peers?
- ?Does the 16.25% three-month price move reflect the Q1 FY27 results and reinsurance announcement, or a broader repricing that predates those disclosures?
Peer comparison: Banking
Ranks 5 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| BAJAJFINSV | Bajaj Finserv Ltd.You're viewing | 32.1 | — | 37 |
| Industry avg | across 5 peers | 28.1 | +13.5% | 56 |
| AXISBANK | Axis Bank Ltd. | 13.8 | +13.3% | 70 |
| HDFCBANK | HDFC Bank Ltd. | 15.9 | +13.8% | 66 |
| ICICIBANK | ICICI Bank Ltd. | 18.5 | +16.1% | 64 |
| BAJFINANCE | Bajaj Finance Ltd. | 33.6 | — | 47 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 58.7 | +10.8% | 33 |
Technical state
Current price
₹2,021.30
SMA 50
₹1,845.34
SMA 200
₹1,910.70
RSI (14)
60.8 (neutral)
From 52w high
-7.8%
1Y return
+5.2%
3M return
+16.3%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Risk flags
- mediumFive-year persistence tracking 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 debt trend classified as rising; trailing ROE itself is not reported in the current fundamentals snapshot. Debt-to-equity of approximately 2.56x reflects the leverage structure typical of a diversified lending and insurance holding company (the group consolidates a large lending arm and an insurance business) rather than manufacturer-style solvency stress, but the persistence pattern and rising debt trend are both worth tracking over time.
- mediumComposite quality score of 37 ranks 5th of 6 tracked financial-sector peers (AXISBANK 70, HDFCBANK 66, ICICIBANK 64, BAJFINANCE 47, HDFCLIFE 33), while trailing PE of 32.12 ranks 4th of 6 by that measure — mid-pack on price relative to peers but bottom-tier on the quality composite tracked here. ROE and 1-year price-change comparisons across most peers are unreported (null) in the current dataset, limiting the breadth of the cross-sectional comparison.
- low3-month price change of +16.25% exceeds the full 1-year change of +5.15%, indicating most of the trailing-year move occurred within the most recent quarter while price was roughly flat over the preceding nine months. RSI sits at 60.83 (neutral) with price 7.83% below its 52-week high, trading above both the 50-day SMA (₹1,845.34) and 200-day SMA (₹1,910.70).
- lowOf 8 tracked news items (5 positive, 3 neutral, 0 negative), the positive coverage clusters around a single disclosure window — Q1 FY27 results (18% profit growth, 19% income growth) and reinsurance-business board approval, reported 30 Jul-4 Aug 2026 — rather than reflecting multiple independent developments spread over time.
Cross-section contradictions
- A mean analyst rating of 1.71 across 14 analysts (1-5 scale, lower = more constructive) and positive news sentiment (5 of 8 items positive, 0 negative) sit alongside five-year persistence data showing 0 years of ROE above 15%, 0 years of positive free cash flow, and a quality-composite ranking of 5th of 6 tracked peers — the near-term analyst and news signals are not obviously aligned with the multi-year persistence record.
For informational purposes only. Not investment advice. VivaTrades is not a SEBI-registered Investment Adviser or Research Analyst. Market data sourced from public feeds; consult a registered adviser before any investment decision.
Fundamentals & technicals: refreshed 12 Aug 2026 · refreshed daily at 01:00 IST
AI synthesis (narrative, snapshot, strengths/weaknesses, peer ranking): generated 12 Aug 2026 · rotates through NIFTY 500 every ~5 days