Bajaj Finance Ltd.
NSE: BAJFINANCEBajaj Finance Ltd.: A 30-second snapshot
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.
P/E
33.6
Forward P/E
21.7
ROE
—
Debt / Equity
314.83
Profit Margin
+43.5%
Div. Yield
+0.5%
5Y ROE > 15%
4/5
5Y FCF > 0
0/5
Quality
65/100
News
8 headlines · 4 positive · 0 negative
Weekly Recap: BAJFINANCE Q1 surge and broker upgrades, Citi unchanged - TradingView
TradingView
Bajaj Finance Jumps 7% After Strong Q1, Brokerages Turn Bullish - HDFC Sky
HDFC Sky
Transcript : Bajaj Finance Limited, Q1 2027 Earnings Call, Jul 30, 2026 - marketscreener.com
marketscreener.com
Bajaj Finance Limited Recommends Dividend for the Financial Year Ended March 31, 2026 - marketscreener.com
marketscreener.com
Bajaj Finance Limited Reports Earnings Results for the First Quarter Ended June 30, 2026 - marketscreener.com
marketscreener.com
Recent context
- ·Q1 FY27 results were reported on July 30, 2026, followed by a cluster of broker-reaction coverage, including a headline titled "Bajaj Finance Jumps 7% After Strong Q1" (HDFC Sky, July 31, 2026).
- ·The board recommended a dividend for the financial year ended March 31, 2026, per a July 30, 2026 report; the current dividend yield is 0.49%.
- ·News sentiment across the 8 tracked articles split 4 positive / 4 neutral / 0 negative, concentrated in the week following the Q1 results.
Strengths
- +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.
Weaknesses
- −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.
Open questions
- ?Does the four-of-five-year ROE persistence above 15% reflect a durable underwriting or franchise advantage, or a tailwind from a favorable credit cycle that could shift?
- ?What is driving free cash flow being negative across all 5 tracked years, and how does that pattern compare with what is typical for NBFC loan-book growth accounting?
- ?How much of the roughly 83% three-month concentration of the one-year price move reflects a durable re-rating on the Q1 FY27 results versus a shorter-term reaction?
- ?How does a quality score of 47 (ranking 4th of 6 tracked peers) square with a valuation that ranks among the richest (PE rank 5 of 6) in the same peer set?
Peer comparison: Banking
Ranks 4 of 6 on quality| Symbol | Name | P/E | ROE | Quality |
|---|---|---|---|---|
| BAJFINANCE | Bajaj Finance Ltd.You're viewing | 33.6 | — | 47 |
| Industry avg | across 5 peers | 27.8 | +13.5% | 54 |
| 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 |
| BAJAJFINSV | Bajaj Finserv Ltd. | 32.1 | — | 37 |
| HDFCLIFE | HDFC Life Insurance Company Ltd. | 58.7 | +10.8% | 33 |
Technical state
Current price
₹1,093.30
SMA 50
₹1,008.00
SMA 200
₹968.62
RSI (14)
55.4 (neutral)
From 52w high
-7.1%
1Y return
+25.1%
3M return
+20.8%
50-DMA
Above
200-DMA
Above
Algorithmic support levels
Algorithmic resistance levels
Risk flags
- mediumFree cash flow was not positive in any of the 5 tracked years despite a 43.5% profit margin, and debt-to-equity (314.833 in the raw source figure, which is percent-scaled and corresponds to roughly 3.15x) shows a rising trend. As an NBFC, balance-sheet leverage funding loan-book growth is structural to the business model and loan disbursals are recorded as operating cash outflows, so the leverage level itself is not unusual for the sector -- it is the rising trend combined with the absence of any positive-FCF year that is the specific point worth monitoring.
- mediumTrailing PE of 33.63x ranks 5th of 6 in the tracked Banking-sector peer set -- the second-richest valuation after HDFCLIFE (58.71x) and above AXISBANK (13.85x), HDFCBANK (15.93x), ICICIBANK (18.49x) and BAJAJFINSV (32.12x) -- while the stock's quality score of 47 ranks only 4th of 6, so the valuation premium is not matched by a top-tier quality-score standing within the peer set.
- mediumOf the 25.13% one-year price gain, 20.82 percentage points (about 83% of the full-year move) occurred within the trailing 3 months, a window that coincides with the Q1 FY27 results (July 30, 2026) and the subsequent broker-reaction news cluster in the dataset, rather than a broader multi-quarter run.
- lowCurrent fiscal-year ROE is unavailable in the fundamental block (only the 5-year persistence series, showing ROE above 15% in 4 of 5 years, could be used), and 1-year price-change data is null for all 5 tracked sector peers, which limits sector-relative return comparison to PE and quality-score rankings only.
Cross-section contradictions
- The stock trades at the second-richest valuation in the tracked Banking peer set (PE 33.63x, rank 5 of 6) while its quality score of 47 ranks only 4th of 6 -- the valuation premium is not matched by top-tier quality-score standing in the same peer group.
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