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BAJAJFINSV.NS

Bajaj Finserv Ltd.

NSI · Financial Services

₹2,004.00

₹2.30 (+0.11%)up 0.11%

25 August 2026 · delayed 15+ min

F

Quality score56.9 / 100

Cut-offs are the grader's own: 97+ for an A+, below 60 is an F.

Bajaj Finserv Ltd. earns a F on RSI in healthy range (30-70) and analyst consensus: Buy but high debt-to-equity ratio (>2.0) and MACD bearish (negative histogram). Consider alternatives with better risk/reward profiles.

Model stance WEAK HOLD Suggested position 4.0% · ₹400.00 IQInvest estimate
Adjusted for Moderate investors, Medium-term investors 4.0% suggested allocation Change these

These change the suggested position size and the stance, not the category scores. Amount is in rupees.

IQ-BAJAJFINSV.NS-20260825engine v1 · 7-category weighted scorecard

What it is worth, depending who you ask.

Today’s price against the year it has had and the targets analysts publish. Every marker is a reported figure, not a projection of ours.

52-week low

₹1,597.00

Lowest analyst target

₹1,710.00

Today's price

₹2,004.00

52-week high

₹2,195.00

Mean analyst target

₹2,362.21

Highest analyst target

₹2,640.00

BAJAJFINSV.NS trades 68% of the way up its 52-week range, between ₹1,597.00 and ₹2,195.00. The mean analyst target of ₹2,362.21 is 17.9% above today's price.

Today’s price 52-week range Analyst price targets

Scored categories

Financial healthHigh debt-to-equity ratio (>2.0) 55.023%

Profit margin

6.47%

Net profit per unit of revenue

healthyWhat this means

Of every 100 units of revenue, this much survives as profit.

A comfortable buffer between revenue and costs.

Operating margin

40.22%

Before interest and tax

very highWhat this means

Profit from operations, before interest and tax, per 100 of revenue.

Typical of software and other businesses with little cost per extra sale.

Gross margin

51.48%

After the cost of goods only

highWhat this means

What is left of revenue after only the direct cost of the product.

Little marginal cost per sale, which is what lets software and pharma fund heavy R&D.

Debt to equity

256.40

Borrowings against equity

heavily gearedWhat this means

Borrowings measured against shareholder capital.

Debt magnifies both good years and bad, and raises the stakes when rates rise.

Revenue growth

19.30%

Year on year

growingWhat this means

Change in revenue against the same period last year.

A healthy expansion rate.

Earnings growth

12.70%

Year on year

strongWhat this means

Change in earnings against the same period last year.

Profit is compounding at a good clip.

Revenue

₹1.57 L Cr

Trailing twelve months

Payout ratio

2.06%

Dividends as a share of earnings

conservativeWhat this means

The share of earnings paid out as dividends.

Comfortably covered, with room to keep raising it.

Growth & momentumLow Sharpe ratio (0.24) 50.022%

Return, 1 month

3.95%

Return, 3 months

12.45%

Return, 6 months

-1.84%

Return, year to date

-1.54%

Return, 1 year

2.03%

Return, 3 years

33.12%

Sharpe ratio

0.24

Return earned per unit of risk

modestWhat this means

Return earned per unit of risk taken.

Below 1 is the common case; return did not strongly outpace the volatility.

Win rate

50.20%

Share of days that closed up

about evenWhat this means

The share of trading days that closed higher.

Close to a coin flip, which is the norm — returns come from the size of moves, not their count.

Average daily return

0.03%

Best day

10.03%

Worst day

-7.08%

Valuation8 measured figures 45.018%

P/E ratio

31.68

Price against trailing earnings

highWhat this means

You pay 31.68 for every 1 unit of annual earnings.

Above about 25 the market is paying up for expected growth.

Forward P/E

21.11

Price against forecast earnings

moderateWhat this means

Price against next year's *forecast* earnings.

A conventional range.

Price to book

4.11

Price against balance-sheet equity

well above bookWhat this means

Price against the accounting value of the company's net assets.

Normal for asset-light businesses, where the value sits in brands and software the balance sheet never records.

Price to sales

2.05

Price against revenue

moderateWhat this means

Price against revenue — usable when a company has no profit yet.

A common range for a profitable, growing business.

EV / EBITDA

12.53

Whole-company value against cash earnings

moderateWhat this means

Whole-company value, debt included, against cash earnings.

A conventional range.

Enterprise value

₹7.36 L Cr

Market value plus debt, minus cash — the price of the whole business

Shares outstanding

1,60,02,44,726

Shares the profit is split across

Dividend yield

0.06%

Annual dividend against price

modestWhat this means

Annual dividend as a percentage of the share price.

A small income component.

TechnicalRSI in healthy range (30-70); MACD bearish (negative histogram) 75.015%

RSI (14)

54.6

Above 70 overbought, below 30 oversold

neutralWhat this means

A 0–100 momentum gauge over the last 14 sessions.

The middle band, where most trading days sit.

MACD

27.16

Momentum against its own trend

MACD histogram

-9.85

Positive is bullish

ADX

24.5

Trend strength; above 25 is a real trend

trendingWhat this means

Trend strength, regardless of direction.

Above 25 is conventionally read as a genuine trend in force.

20-day average

₹2,022.72

50-day average

₹1,913.17

200-day average

₹1,905.11

Price vs 50-day

4.75%

Price vs 200-day

5.19%

Bollinger upper

₹2,116.23

Bollinger lower

₹1,927.20

Average true range

36.95

Typical daily trading range

Stochastic %K

16.1

Risk4 measured figures 45.012%

Volatility, annualised

26.41%

How far it swings in a year

normalWhat this means

How far the price typically swings over a year.

A typical range for an individual share.

Beta

0.37

Moves against the wider market

steadier than the marketWhat this means

How much the price moves relative to the wider market.

Tends to move less than the index, in both directions.

Maximum drawdown

-42.67%

Worst peak-to-trough fall

significantWhat this means

The worst peak-to-trough fall in the period measured.

A serious decline, though not unusual over a multi-year window.

Risk category

High

The engine's own banding

Analyst viewAnalyst consensus: Buy 85.010%

Consensus

Buy

What covering analysts rate it

Analysts covering

14

Mean price target

₹2,362.21

Highest target

₹2,640.00

Lowest target

₹1,710.00

Implied upside

17.87%

Target against today's price

meaningfulWhat this means

How far the mean analyst target sits above today's price.

Analysts see real room above today's price.

Price against the NIFTY 50

180 trading days to 2026-08-25

BAJAJFINSV.NS is 2.6% down over the window, against 6.3% down for the NIFTY 50 — ahead by 3.7 points.
BAJAJFINSV.NS -2.6%NIFTY 50 -6.3%
Show the numbers
Sampled across the window. Both columns are rebased to 100 on 2025-12-08, so they can be compared directly.
DateCloseBAJAJFINSV.NS rebasedNIFTY 50 rebased
2025-12-08₹2,057.44100.0100.0
2025-12-30₹2,025.6798.499.9
2026-01-20₹1,957.0395.197.2
2026-02-11₹2,025.2798.4100.0
2026-03-05₹1,910.1792.895.4
2026-03-27₹1,693.2682.387.9
2026-04-22₹1,841.3389.593.9
2026-05-13₹1,727.4384.090.2
2026-06-03₹1,733.9284.290.2
2026-06-24₹1,779.9886.592.5
2026-07-15₹1,850.6089.992.8
2026-08-05₹2,086.00101.494.9

How the score was built

Each category is scored 0–100, then multiplied by its weight. The seven contributions sum to the quality score.
CategoryScoreWeightContribution
Financial health55.023%12.7
Growth & momentum50.022%11.0
Valuation45.018%8.1
Technical75.015%11.2
Risk45.012%5.4
Analyst view85.010%8.5
ESG50.00%0.0
Quality score100%56.9

ESG is scored but carries no weight in this grade. Add ?esg=1 to the address to include it — the engine then redistributes weight across the other six, so the whole scorecard changes, not just one row.

Argue with the model

Every other grader hands you a number. This one hands you the model.

Move a slider, press Recalculate, and the grade is rebuilt from the same category scores. Nothing is hidden: the scores are the engine's, only the weighting is yours.

18%
23%
22%
12%
15%
10%
0%

These are IQInvest's own weights, totalling 100%.

Your grade

F

56.9 / 100

Identical to the IQInvest grade.

All 59 metricsOne flat sortable table, for when you want everything at once.
Metric Category Value Source
20-day averageTechnical₹2,022.72Yahoo Finance
200-day averageTechnical₹1,905.11Yahoo Finance
50-day averageTechnical₹1,913.17Yahoo Finance
52-week highMarket data₹2,195.00Yahoo Finance
52-week lowMarket data₹1,597.00Yahoo Finance
ADXTechnical24.5Yahoo Finance
Analysts coveringAnalyst view14Yahoo Finance
Average daily returnGrowth & momentum0.03%Yahoo Finance
Average true rangeTechnical36.95Yahoo Finance
Average volumeMarket data12,24,202Yahoo Finance
Best dayGrowth & momentum10.03%Yahoo Finance
BetaRisk0.37Yahoo Finance
Bollinger lowerTechnical₹1,927.20Yahoo Finance
Bollinger upperTechnical₹2,116.23Yahoo Finance
ConsensusAnalyst viewBuyYahoo Finance
Day highMarket data₹2,012.70Yahoo Finance
Day lowMarket data₹1,985.00Yahoo Finance
Debt to equityFinancial health256.40Yahoo Finance
Dividend yieldValuation0.06%Yahoo Finance
Earnings growthFinancial health12.70%Yahoo Finance
EmployeesMarket data1,13,732Yahoo Finance
Enterprise valueValuation₹7.36 L CrYahoo Finance
EV / EBITDAValuation12.53Yahoo Finance
Forward P/EValuation21.11Yahoo Finance
Gross marginFinancial health51.48%Yahoo Finance
Highest targetAnalyst view₹2,640.00Yahoo Finance
Implied upsideAnalyst view17.87%Yahoo Finance
Lowest targetAnalyst view₹1,710.00Yahoo Finance
MACDTechnical27.16Yahoo Finance
MACD histogramTechnical-9.85Yahoo Finance
Maximum drawdownRisk-42.67%Yahoo Finance
Mean price targetAnalyst view₹2,362.21Yahoo Finance
OpenMarket data₹2,005.90Yahoo Finance
Operating marginFinancial health40.22%Yahoo Finance
P/E ratioValuation31.68Yahoo Finance
Payout ratioFinancial health2.06%Yahoo Finance
Previous closeMarket data₹2,002.70Yahoo Finance
Price to bookValuation4.11Yahoo Finance
Price to salesValuation2.05Yahoo Finance
Price vs 200-dayTechnical5.19%Yahoo Finance
Price vs 50-dayTechnical4.75%Yahoo Finance
Profit marginFinancial health6.47%Yahoo Finance
Return, 1 monthGrowth & momentum3.95%Yahoo Finance
Return, 1 yearGrowth & momentum2.03%Yahoo Finance
Return, 3 monthsGrowth & momentum12.45%Yahoo Finance
Return, 3 yearsGrowth & momentum33.12%Yahoo Finance
Return, 6 monthsGrowth & momentum-1.84%Yahoo Finance
Return, year to dateGrowth & momentum-1.54%Yahoo Finance
RevenueFinancial health₹1.57 L CrYahoo Finance
Revenue growthFinancial health19.30%Yahoo Finance
Risk categoryRiskHighYahoo Finance
RSI (14)Technical54.6Yahoo Finance
Shares outstandingValuation1,60,02,44,726Yahoo Finance
Sharpe ratioGrowth & momentum0.24Yahoo Finance
Stochastic %KTechnical16.1Yahoo Finance
Volatility, annualisedRisk26.41%Yahoo Finance
VolumeMarket data4,09,938Yahoo Finance
Win rateGrowth & momentum50.20%Yahoo Finance
Worst dayGrowth & momentum-7.08%Yahoo Finance
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