Bajaj Finserv Share Price Analysis With Quick Research Report

Bajaj Finserv Limited serves as one of India's leading financial services organisations. The company is situated in Pune, Maharashtra. Bajaj Finance is one of India's leading non-banking financial businesses (NBFCs), owned by Bajaj Finserv. Bajaj Finserv was formed when Bajaj Auto Limited was demerged in 2007. The Bajaj Group established this distinct subsidiary to focus only on the group's financial services industry. Bajaj Finance was merged with Bajaj Finserv, in which it owns a 52.49 per cent share. The demerger was concluded in February 2008.

Bajaj Finance Ltd.'s subsidiaries include Bajaj Housing Finance, which provides housing finance options, and Bajaj Financial Securities.

  • It is a comprehensive digital platform serving retail and high-net-worth consumers. 
  • It offers demat, brokerage, and margin trading financing through a mostly B2C platform.
  • Bajaj Finserv also has a 74% ownership in Bajaj Allianz General Insurance Company or Bajaj Allianz Life Insurance Company.
  • According to StockGrow, Bajaj Finserv also holds a significant stake in Bajaj Finserv Direct Limited. Bajaj Finserv has several other companies, including Bajaj Finserv Health, Bajaj Finserv Ventures, Bajaj Finserv Asset Management, and Bajaj Finserv Mutual Fund Trustee. 
  • The company intends to enter the investment fund business. 
  • In 2023, it gained final approval from the Securities and Exchange Board of India (SEBI) to launch its mutual fund operations as Bajaj Finserv Mutual Fund. 

March 2022, bajaj finserv share price operated over 1,400 branches and over 60,000 points of distribution across the country.

Products and Services

Bajaj Finserv offers a variety of goods and services in the loan, insurance, wealth management, and healthcare finance categories. 

Loans: As part of its financing business, Bajaj Finserv offers several loans, including, but not limited to,

  • Personal loans, 
  • House loans, 
  • Business loans,
  • Loans of consumer products, 
  • Loans for automobiles, 
  • Property loans, and 
  • Gold loans.

Insurance: Bajaj Finserv offers a variety of insurance-related goods and services. These include 

  • Car insurance,
  • Health insurance, 
  • Homeowners insurance, and
  • Travel insurance. 

Bajaj Finserv's life insurance business includes a variety of term plans, ULIPs, and retirement plans. As part of its financing for the health care business, Bajaj Finserv offers loans for medical treatments, surgeries, and procedures.

Listing

Bajaj Finserv is listed on the National Stock Exchange (NSE), Bombay Stock Exchange (BSE), and Multi Commodity Exchange (MCX). Bajaj Finserv is a component of several indices, including the Nifty 50, Nifty 500, and S&P BSE Sensex.

Business section of the company.

The organisation provides financial services for the Bajaj Group. Its core operations are lending insurance and wealth advisory.

Analysis and Rapid Research Report.

Approximately 2% of India's population participates in financial assets. The mutual fund business in India has a penetration rate of around 7% (based on the number of PAN card holders). The mutual fund industry's under penetration provides a significant opportunity for growth. Migration to monetary savings, wider distribution, and long-term performance drive sector growth. Furthermore, increased financial awareness among investors, digitization, and the availability of several mediums entice more people to invest in financial markets.

Bajaj Finserv's trading price today is Rs 1,567.70. To better comprehend the operations of Bajaj Finserv, consider the following points:

Key Financials 

Profitability: A company's profit margin (PAT margin) indicates cost control effectiveness. It is a measure of the company's financial health. Bajaj Finserv's net profit is Rs 732.52 crore, with a compounded growth rate of 3.18% over the past three years. The PAT margin for Bajaj Finserv is 68.05%.

EPS growth: Buyers should look for EPS figures that are growing faster over revenue statistics since this suggests that firm management is improving the efficiency of running the business. In Bajaj Finserv, EPS increased by 72.54% year on year.

Financial Ratios: Bajaj Finserv has an average Return on Equity (ROE) record. Bajaj Finserv's ROE for the most recent fiscal year was 16.13%.

P/E Ratio: According to StockGrow Relative valuation indicators such as the P/E ratio can be used to determine whether the stock of Bajaj Finserv is worth its present price of Rs 1,567.70. Bajaj Finserv has a current P/E ratio of 275.32, with an average historical P/E of 449.92 over the last five years.

P/B ratio: The P/B ratio is the most effective tool for valuing such companies. Bajaj Finserv is now trading at a price-to-book ratio of 38.00. The average history P/B for the last five years was 40.90. This might be compared to the share price to determine whether the company is overvalued or undervalued.

Bajaj finserv share price: - Bajaj Finserv's current share price is Rs 1,567.70. One can use ticker valuation calculators to determine whether Bajaj Finserv's share price has been undervalued or overvalued. Currently,  Bajaj Finserv is 10% undervalued.

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