BAJAJFINSVBajaj Finserv

₹2073.2-0.40%

Market Cap

₹3,33,655.36 Cr

Stock P/E

35.03

ROCE

12.48%

ROE

26.75%

Book Value

₹481.32

Financials

YoY Net Sales

EPS Growth

Operating Margin

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Shareholding

Holdings

Distribution

Promoter

Foreign Investors

Domestic Investors

Public

From Last Concall

POSITIVES

•
Consolidated results show robust top and bottom-line growth, with a 13% revenue rise and 30% PAT increase to an all-time quarterly high.
•
BAGIC shows healthy growth and profitability with GWP up 9% and PAT up 15%, plus ROE around 21% and a stable combined ratio (~103.6%).

NEGATIVES

•
BAGIC's underwriting performance deteriorated with an underwriting loss and a high combined ratio of 103.6% in Q1 FY26.
•
Accounting changes (1/N basis) required by IRDAI for long-term premium recognition affect comparability with prior-year results.

Peers Summary

Sector Leader

Bajaj Finserv Ltd. showcases strong profitability metrics with a high ROE and solid revenue growth compared to peers, despite its high valuation. Authum Investment & Infrastructure Ltd. stands out as an undervalued growth pick with exceptional efficiency, while Cholamandalam Financial Holdings Ltd. exhibits high profitability but suffers from high valuation metrics. Overall, Bajaj Finserv maintains a competitive edge in profitability despite a high PE ratio.

Key Points

• Bajaj Finserv has the highest ROE and solid revenue growth metrics.
• Authum Investment offers an attractive valuation with high profitability.
• Cholamandalam, while highly profitable, has very high PE ratio indicating overvaluation.

Top Performers

Authum Investment & Infrastructure Ltd.

Best growth pick with low valuation metrics and high profitability.

Bajaj Finserv Ltd.

Strong profitability metrics with high ROE and revenue growth.

Cholamandalam Financial Holdings Ltd.

High profitability but overvalued with a PE ratio of 512.70.

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