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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Bajaj Finserv Limited is a holding company for various financial services businesses. It is engaged in the business of promoting financial services such as finance, insurance, broking, investments, and others, including distribution using digital platforms through its…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, steadily growing business, trading cheap versus its own history — carrying meaningful debt.
Bajaj Finserv is scored on the nbfc / financials framework. It keeps a healthy 13.1% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at 22%/yr and profit at 17%/yr. Book value itself has compounded 22%/yr — the hallmark of a genuine compounder. Return on equity is a healthy 12.7%. In the latest quarter profit grew 20% versus the prior quarter.
At 30× earnings, the stock sits at the 13th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~4%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 13.64 | — | — |
| P/B | 3.55 | 7.09 | better |
| EV/EBITDA | 10.48 | 17.09 | better |
| ROE | 12.69 | 4.84 | better |
| ROCE | 10.42 | 44.11 | worse |
| ROA | 2.55 | — | — |
| Quick Ratio | 0.24 | — | — |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
| JIO FIN Services | 92.2 | 1.2 | 1.3% |
Not applicable for this sector.
Revenue has grown every year across all 4 financial years shown. 22% CAGR over 3 years — high-growth territory. Growth is decelerating — latest year grew slower than the year before.
Net profit has risen every year — the hallmark of a compounder. Revenue is outpacing profit (22% vs 17%) — costs are rising faster than the top line.
Operating margin has compressed from 20% to 18% — costs or competition are eating into profitability. Margins have declined for 2 consecutive years — watch for a structural cost problem.
ROE at 14% — a respectable return on shareholder capital. Low variance across years — a predictable business that earns steadily on its equity base.
EPS has grown every year — each share earns more than the last, consistently. Profit grew faster than EPS (17% vs 15%) — share dilution is eroding per-share value. 15% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
4 of 4 years had negative operating cash flow — profitability on paper may not translate to cash. Investing outflows exceed operating cash — the company relies on external funding to finance expansion.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 9% sequentially — momentum is building.
Profit jumped 20% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (13% → 15%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoter holding at 58.6% — majority control intact.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.