BAJFINANCE

NBFC✨New Entry

Bajaj Finance Ltd

₹6,780 CMP · ₹4.1L Cr Mcap

Valyra Score

71.2

Grade A

Price History

Key Metrics

ROCE 5Y:14.2%MoS:18.7%P/FCF:29.4xRank:#3

Click any pillar to see what drove the score

Measures ROCE level and gross margin stability — the durability of competitive advantage over time.

✗ROCE of 14.2% — limited moat evidence

✓High gross margins suggest strong pricing power

Scores P/FCF and EV/EBITDA against India-calibrated thresholds — how attractively the stock is priced.

✓P/FCF of 29.4x — fairly valued

✓Positive Margin of Safety at 18.7%

Evaluates OCF/PAT ratio and gross margin — the reliability and consistency of reported earnings.

✓Strong cash conversion — earnings well-backed by operating cash flow

✓Healthy gross margin supports earnings sustainability

Assesses D/E ratio, interest coverage, and pledge — the balance sheet's ability to withstand stress.

✓Manageable debt levels with adequate coverage

✓No promoter pledge — clean collateral record

Proxied by ROCE — how effectively management compounds retained earnings over time.

✗ROCE of 14.2% — below-threshold capital returns

✓Efficient capital allocation history

Promoter holding and pledge — alignment of management with minority shareholders.

✓High promoter holding — strong management alignment

✓Zero promoter pledge — no collateral overhang

Last updated: 05 Jul 2026 · Not SEBI-registered investment advice · Data from NSE/BSE/Screener.in