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BSE: 532978 | NSE: BAJAJFINSV | Finance - Investment | Large Cap
1. Is Bajaj Finserv Ltd a good quality company?
Past 10 year's financial track record analysis by Moneyworks4me indicates that Bajaj Finserv Ltd is a good quality company.
2. Is Bajaj Finserv Ltd undervalued or overvalued?
The key valuation ratios of Bajaj Finserv Ltd's currently when compared to its past seem to suggest it is in the Somewhat overvalued zone.
3. Is Bajaj Finserv Ltd a good buy now?
The Price Trend analysis by MoneyWorks4Me indicates it is Strong which suggest that the price of Bajaj Finserv Ltd is likely to Rise in the short term. However, please check the rating on Quality and Valuation before investing
Data adjusted to bonus, split, extra-ordinary income, rights issue and change in financial year end.
| Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Income (₹ Cr.) | 5,071 | 6,022 | 7,587 | 20,533 | 24,507 | 32,862 | 42,604 | 54,833 | 60,591 | 68,406 | 44,444 | |
| YoY Gr. Rt. % | - | 18.8% | 26% | 170.6% | 19.4% | 34.1% | 29.6% | 28.7% | 10.5% | 12.9% | - | |
| Adj EPS (₹ ) | 9.9 | 9.7 | 10.6 | 11.7 | 14.2 | 16.7 | 20.2 | 21.2 | 28.1 | 28.6 | 40.3 | |
| YoY Gr. Rt. % | - | -1.9% | 9.5% | 10.3% | 21.4% | 17.2% | 21.5% | 4.7% | 32.7% | 1.9% | - | |
| BVPS (₹ ) | 50.1 | 59.7 | 69.7 | 85.4 | 101.4 | 128.4 | 148.7 | 195.8 | 223.7 | 250.5 | 291.4 | |
| YoY Gr. Rt. % | - | 19.1% | 16.8% | 22.6% | 18.7% | 26.6% | 15.8% | 31.7% | 14.2% | 12% | - | |
| To view Net Profit/Total Funds (%) Colour Rating Guide click here ⓘ | ||||||||||||
| Net Profit/Total Funds (%) | 3.6 | 3.1 | 3 | 2.9 | 3 | 2.9 | 2.9 | 2.6 | 2.8 | 2.7 | 0 | |
CAGR ⓘCAGR Colour Code Guide ⓘ |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 9 Years | 5 Years | 3 Years | 1 Years | |||||||||
| Net Interest Income | 33.5% | 22.8% | 17.1% | 12.9% | ||||||||
| Adj EPS | 12.5% | 15% | 12.3% | 1.9% | ||||||||
| BVPS | 19.6% | 19.8% | 19% | 12% | ||||||||
| Share Price | 36.3% | 19.8% | 40.7% | 16.5% | ||||||||
Key Financial Ratios |
||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| RATIOS \ YEARS | Mar'13 | Mar'14 | Mar'15 | Mar'16 | Mar'17 | Mar'18 | Mar'19 | Mar'20 | Mar'21 | Mar'22 | TTM | |
| Margins | ||||||||||||
| Net Profit Margin (%) | 43.7 | 36.4 | 31.8 | 13.5 | 14.1 | 12.7 | 12.6 | 10.9 | 12.2 | 12.2 | 14.4 | |
| Performance Ratios | To view Performance Ratios Colour Rating Guide click here ⓘ | |||||||||||
| Return on Equity (%) | 33.3 | 25.1 | 23.4 | 22.5 | 23.2 | 22.8 | 24.4 | 21.9 | 22.1 | 22 | 13.8 | |
Total Income has increased 17.10 CAGR in last 3 years
Net Profit has increased 12.27 CAGR in last 3 years
Total income growth is good in last 4 quarters
Return on Equity has declined versus last 3 years average to 14.90%
| Standalone | Consolidated | |
|---|---|---|
| TTM EPS (₹) | 4.6 | 40.3 |
| TTM Sales (₹ Cr.) | 1,051 | 44,444 |
| BVPS (₹.) ⓘ | 33 | 291.4 |
| Reserves (₹ Cr.) ⓘ | 5,089 | 46,248 |
| P/BV ⓘ | 44.27 | 5.00 |
| PE ⓘ | 317.18 | 36.19 |
| From the Market | |
|---|---|
| 52 Week Low / High (₹) | 1077.70 / 1846.00 |
| All Time Low / High (₹) | 8.71 / 1931.99 |
| Market Cap (₹ Cr.) | 2,32,344 |
| Equity (₹ Cr.) | 159.3 |
| Face Value (₹) | 1 |
| Industry PE ⓘ | 50.6 |
| Pledged * | 0.01 | 0.01 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Bajaj Finserv (BFS) is the holding company under which there are three key financial sector businesses: (i) lending through Bajaj Finance (BFL), which is itself a listed company; (ii) general insurance, under Bajaj Allianz General Insurance Company (BAGIC); and (iii) life insurance, under Bajaj Allianz Life Insurance Company (BALIC). It serves millions of customers by providing solutions for asset acquisition through financing, asset protection through general insurance, family and income protection in the form of life and health insurance and retirement and savings solutions. The insurance businesses are unlisted. In addition, there are wind farm assets in Maharashtra.
The company is a Core Investment Company (CIC) under the regulations of the Reserve Bank of India (RBI), not requiring registration with RBI. BFS and BFL adopted the Indian Accounting Standards (Ind AS) from 1 April 2018. Hence, the standalone and consolidated results of BFS for FY2019 are compliant with Ind AS. The financials for FY2018 have been restated to be Ind AS compliant and are, therefore, comparable.
Business area of the company
The company deals with financial services of the Bajaj Group. Its core businesses are spread across Lending, Insurance and Wealth Advisory.
Awards and Recognition
Sanjiv Bajaj, Managing Director & CEO, received the following awards:
Key events:
MoneyWorks4Me rating and ranking of funds for SIP is available to subscribers only. Moneyworks4Me is not a rating and ranking agency, however it is required that users have a way of selecting funds and building a Portfolio. The method used by it are described below to enable users to understand the logic behind the rating and ranking Subscriber will find more details on this in the various content made available from time to time. In case you need more please write to besafe@moneyworks4Me.com
MoneyWorks4Me rates and ranks mutual funds based on the following data-driven system:
Funds ranking in screeners: Performance Consistency and Quality are two parameters used for ranking funds for SIP. The ranking as follows GG, GO, GR, OG, OO, OR, RG, RO and RR.
With the same color-coded funds, the one with the higher Average 3-year rolling returns (over 5 to 10 years), the number that appears in the Performance tag, ranks higher.
Here is the summary:
The third tag Upside Potential is not relevant for SIP. It is relevant for lumpsum investments in Mutual Funds.
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