Bajaj Finserv Ltd. (BAJAJFINSV.NS) stock analysis
In our weekly check, Bajaj Finserv Ltd. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 1, red flags: 9.
About Bajaj Finserv Ltd.
Bajaj Finserv Ltd. is a Financial Services company (Financial - Conglomerates) based in India, listed on NSE as BAJAJFINSV.NS.
What our checks show for BAJAJFINSV.NS
Red flags
- Operating profit does not cover the interest bill (1x): interest is paid from cash or new debt.
- The net margin fell by 7.8 points over 5 years, to 6.7%: the company keeps less of each sale as profit.
- The gross margin fell by 12 points, to 57.7%: costs are rising faster than prices.
- Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
- Free cash flow is negative (-34.3% of revenue): the business spends more cash than it brings in.
- The stock has fallen as much as 87% from a peak. Would you have held through that?
- Recovering from its deepest fall took about 3.2 years.
- Return on capital (ROCE) is zero or negative: the business does not earn on the money put into it.
- Pay in shares equals 0% of free cash flow: it dilutes shareholders.
Warning signs
- The net margin is only 6.7%: little room if costs rise.
Strengths
- Debt is low: 0x equity.
- Analysts expect earnings per share to grow about 25% a year over the next years.
- Analysts expect the net margin to improve by 2.7 points from today's 6.7%.
- Revenue grew 55.8% a year over the last 3 years.
- Earnings per share grew 16.4% a year over the last 3 years.
- Net profit grew 16.5% a year over the last 3 years.
Next earnings report: 2026-11-03
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Questions
What grade does Bajaj Finserv Ltd. (BAJAJFINSV.NS) have?
In our weekly check, Bajaj Finserv Ltd. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 15 pass, warnings: 1, red flags: 9. The grade is a risk check, not a buy or sell recommendation.
What are the main risks of BAJAJFINSV.NS stock?
This week's biggest flags for Bajaj Finserv Ltd.: Weak interest cover, Margins falling, Gross margin falling. In total 10 of 25 checks show a warning or a red flag.
What does Bajaj Finserv Ltd. do?
Bajaj Finserv Ltd. is a Financial Services company (Financial - Conglomerates) based in India, listed on NSE as BAJAJFINSV.NS.
When does Bajaj Finserv Ltd. report earnings next?
The next earnings report is expected on 2026-11-03. We re-run the checks every week, so the grade can change after it.
The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.
Updated 2026-10-31
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