Check Before You Invest : Bajaj Holdings & Investment Ltd

Q: Which industry/sub-sector does Bajaj Holdings & Investment Ltd belong to?

Bajaj Holdings & Investment Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q: Is Bajaj Holdings & Investment Ltd a good quality company?

Bajaj Holdings & Investment Ltd is a good quality company, based on a consistently good multi-year financial track record. This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q: Is Bajaj Holdings & Investment Ltd undervalued or overvalued?

Bajaj Holdings & Investment Ltd appears Fair, as its key valuation ratios are in line with their past averages. Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more. Valuation Ratios. Price to Earnings, Current: 25.58, Historic Median: 40.97. Price to Book, Current: 4.41, Historic Median: 4.96. Price to Sales, Current: 38.46, Historic Median: 41.92. EV to EBITDA, Current: 39.78, Historic Median: 40.49

Q: Is Bajaj Holdings & Investment Ltd a good buy now?

Bajaj Holdings & Investment Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Q: Total Income growth of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Operating Income growth is 106.95% for FY-2026, which is above its 5-year CAGR of 53.49%, indicating faster growth.

Q: Return on Assets of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Return on Asset is 19.6%, which is above its 5-year historical median of 10.7%, indicating improved earnings on assets. Efficiency & Key Metrics. NPM (%), Current: 150.38, Historic Median: 91.78. PPOP (%), Current: 245.8, Historic Median: 68.72. RoA (%), Current: 19.6, Historic Median: 10.7

Q: Return on Equity (ROE) of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Return on Equity is 20.2% for FY-2026, which is above its 5-year historical median of 11.1%, indicating the business is making better use of its shareholders capital.

Q: Pre-provisioning operating profit margin of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 245.8% for FY-2026, which is above its 5-year median(68.72%), indicating increasing margins.

Q: Net Profit Margin of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 150.38% for FY-2026, which is above its 5-year median( 91.78%), indicating increasing margins.

Q: Does its ROIC exceed its WACC?

Bajaj Holdings & Investment Ltd return on invested capital (ROIC) is 20.17% for FY-2026, is higher than its estimated weighted average cost of capital (WACC) of 11.25%, indicating value creation.

Check Before You Invest : Bajaj Holdings & Investment Ltd

BSE: 500490 NSE: BAJAJHLDNG ISIN: INE118A01012

| Sector: BFSI | Industry: Finance - NBFC

Snapshot

Q.1 Which industry/sub-sector does Bajaj Holdings & Investment Ltd belong to?

Bajaj Holdings & Investment Ltd belongs to the BFSI sector, operating specifically within the Finance - NBFC segment.

Q.2 Is Bajaj Holdings & Investment Ltd a good quality company?

Bajaj Holdings & Investment Ltd is a good quality company, based on a consistently good multi-year financial track record.

This assessment is based on the bank’s performance on Total Income growth, Pre-Provision Operating Profit, RoA, RoE, CAR, and Asset Quality, along with how these metrics compare with its long-term averages.

Q.3 Is Bajaj Holdings & Investment Ltd undervalued or overvalued?

Bajaj Holdings & Investment Ltd appears Fair, as its key valuation ratios are in line with their past averages.

Based on the industry it operates in, the relevant valuation ratios include one of the following, P/E, P/BV, P/Sales, EV/EBITDA or a combination of two or more.

Valuation Ratios	Current	5-year Historic Median
Price to Earnings	25.58	40.97
Price to Book	4.41	4.96
Price to Sales	38.46	41.92
EV to EBITDA	39.78	40.49

Q.4 Is Bajaj Holdings & Investment Ltd a good buy now?

Bajaj Holdings & Investment Ltd is a neutral opportunity now, based on stable price trend analysis suggesting prices may move sideways. However, you need to check its quality and valuation before making a decision

Performance Analysis

We have analysed the performance of the company on the following:

How has it performed on generating Profits?
By checking its Total Income growth, NPM, PPOP, RoA and RoE compared to its last 5-year median.
How efficiently has it grown and managed operations?
By checking its Total Asset growth.
How strong is its Capital position and Asset Quality?
By checking its Capital Adequacy Ratio (CAR), GNPA and NNPA.

A: What are the trends in income and profitability?

Q.1 Total Income growth of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Operating Income growth is 106.95% for FY-2026, which is above its 5-year CAGR of 53.49%, indicating faster growth.

Q.2 Return on Assets of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Return on Asset is 19.6%, which is above its 5-year historical median of 10.7%, indicating improved earnings on assets.

	Current Level	5-year Historic Median
NPM (%)	150.38	91.78
PPOP (%)	245.8	68.72
RoA (%)	19.6	10.7

Q.3 Return on Equity (ROE) of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Return on Equity is 20.2% for FY-2026, which is above its 5-year historical median of 11.1%, indicating the business is making better use of its shareholders capital.

Q.4 Pre-provisioning operating profit margin of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Pre-provisioning operating profit margin, which is the bank’s core operating profit before provisioning for bad loans, is 245.8% for FY-2026, which is above its 5-year median(68.72%), indicating increasing margins.

Q.5 Net Profit Margin of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Net Profit Margin, which is the difference between the rate of interest earned on assets and the rate of interest paid on liabilities, is 150.38% for FY-2026, which is above its 5-year median( 91.78%), indicating increasing margins.

Q.6 Does its ROIC exceed its WACC?

Bajaj Holdings & Investment Ltd return on invested capital (ROIC) is 20.17% for FY-2026, is higher than its estimated weighted average cost of capital (WACC) of 11.25%, indicating value creation.

B: Does the bank grow efficiently and manage its operating costs?

Q.7 Total Asset growth of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Total Asset growth is 42.19% for FY-2026, which is above its 5-year CAGR of 14.26%, indicating faster growth.

C: How strong is the bank’s capital position and asset quality?

Q.8 Capital Adequacy ratio of Bajaj Holdings & Investment Ltd?

Bajaj Holdings & Investment Ltd Capital Adequacy ratio (CAR) is 154.00% for FY-2026, which is above the regulatory requirement of 15%, indicating strong capital position.

Ownership & governance

D: Promoter shareholding and pledge status of Bajaj Holdings & Investment Ltd?

Q.1 Promoter shareholding and pledge status of Bajaj Holdings & Investment Ltd?

Promoters hold 51.46% of the Bajaj Holdings & Investment Ltd, with 0.00% of their stake pledged, indicating no pledge risk.

Peer comparison (industry-wise, mcap)

E: How does Bajaj Holdings & Investment Ltd performance compare with that of its Peers?

Q.1 AUM Growth of Bajaj Holdings & Investment Ltd vs Industry Peers?

Bajaj Holdings & Investment Ltd AUM CAGR is 14.26%, compared to the 5-year industry median CAGR of 26.77%, indicating slower growth and losing its market share.

Q.2 Profit metrics (NPM, PPOP, RoA) of Bajaj Holdings & Investment Ltd vs industry peers

Bajaj Holdings & Investment Ltd profit metrics are above the industry median level of 18.31%, indicating stronger profitability compared to peers.

Profit Metrics

	Current Level	5-year Industry Median
NPM (%)	150.38	24.39
PPOP (%)	245.8	27.24
RoA (%)	19.6	3.3

Q.3 Operating efficiency of Bajaj Holdings & Investment Ltd vs industry peers?

Bajaj Holdings & Investment Ltd ROCE (11.6) is in line with the industry median of (11.4); while the current ROE (11.1) are below than the 5-year average Industry ROE (16.4). This shows that the business is positioned in the middle quartile of the industry.

Operating Efficiency

	Current Level	5-year Industry Median
NPM (%)	150.38	24.39
PPOP (%)	245.8	27.24
RoA (%)	19.6	3.3
ROCE (%)	21.3	11.4
ROE (%)	20.2	16.4

Valuation & price assessment

Q.1 Stock return of Bajaj Holdings & Investment Ltd over the last decade?

Over the last 9 years, the stock has delivered a CAGR of 19.6% based on the current price.

	9Y	5Y	3Y	1Y
Share Price CAGR	19.6%	22%	12.9%	-23%

Q.2 How do the current valuation ratios compare with 5-year historical median and industry numbers?

Valuation Ratios	Current	5-year Historic Median	5-year Industry Median
Price to Earnings	25.58	40.97	29.12
Price to Book	4.41	4.96	1.11
Price to Sales	38.46	41.92	9.10
EV to EBITDA	39.78	40.49	11.77

Q.3 Valuation ratios of Bajaj Holdings & Investment Ltd vs historical and industry averages?

The current Price-to-Book (P/B) ratio of 4.41 is lower than its historical median of 4.96, indicating that the stock is trading below its historical average valuation.

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Check Before You Invest : Bajaj Holdings & Investment Ltd

Snapshot

Performance Analysis

Ownership & governance

Peer comparison (industry-wise, mcap)

Profit Metrics

Operating Efficiency

Valuation & price assessment

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