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Bajaj Finserv has the GF Score of 81, which implies that the company
might have
Good outperformance potential.
The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.
GF Score takes following five key aspects into consideration:
Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.
Based on research and backtesting result, GuruFocus believes Bajaj Finserv
might have
Good outperformance potential.
Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.
Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:
GF Score
Performance Potential and All-in-One Screener Examples (1)
(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.
Bajaj Finserv GF Score Related Terms
BOM:532978 vs FRHC, VOYA: GF Score Comparison
For the Financial Conglomerates subindustry, Bajaj Finserv's GF Score, along with its competitors' market caps and GF Score data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bajaj Finserv GF Score vs Diversified Financial Services Industry
For the Diversified Financial Services industry and Financial Services sector, Bajaj Finserv's GF Score distribution charts can be found below:
* The bar in red indicates where Bajaj Finserv's GF Score falls into.
Bajaj Finserv (BOM:532978) has a GF Score of 81 as of Jul. 31, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Bajaj Finserv and its competitors. This is near median its historical median of 81.00. Over the past decade, Bajaj Finserv's GF Score has ranged from 49.00 to 92.00.
Is Bajaj Finserv's GF Score too high?
Bajaj Finserv's current GF Score of 81 is near median its 10-year median of 81.00. Over the past 10 years, this metric has ranged from a low of 49.00 to a high of 92.00. Overall, Bajaj Finserv has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bajaj Finserv's GF Score compare to FRHC and VOYA?
Bajaj Finserv's GF Score of 81 can be compared against companies in the Diversified Financial Services industry. Historically, Bajaj Finserv's own GF Score has ranged from 49.00 to 92.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Diversified Financial Services company?
A good GF Score depends on the Diversified Financial Services industry context. However, GF Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on Bajaj Finserv and its competitors. Bajaj Finserv's current GF Score is 81, which is near median its own 10-year median of 81.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bajaj Finserv stock overvalued right now?
Based on GuruFocus' analysis, Bajaj Finserv (BOM:532978) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹2,523.55, compared to a current price of ₹2,035.00 — trading 19.4% below its estimated fair value. The current GF Score is 81, which is near median its 10-year median of 81.00. Bajaj Finserv's overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is GF Score calculated?
GF Score is calculated from a company's financial statements. For Bajaj Finserv (BOM:532978), the current GF Score is 81 as of Jul. 31, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bajaj Finserv (BOM:532978) Overvalued in 2026?
Based on GuruFocus' analysis, Bajaj Finserv stock appears to be undervalued.
The current stock price of ₹2,035.00 is trading 19.4% below its estimated GF Value™ of ₹2,523.55.
GuruFocus considers Bajaj Finserv to be Modestly Undervalued.
Key valuation signals for BOM:532978:
GF Score: 81 (near median its 10-year median of 81.00)
GF Value™: ₹2,523.55 vs. price of ₹2,035.00 (19.4% below fair value)
No single metric tells the full story. See the BOM:532978 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bajaj Finserv Ltd is a non-banking financial services company headquartered in India that engages in lending activities. It services six lending verticals: consumer, small and midsize enterprises, commercial, rural, deposits, and partnerships and services. Bajaj's consumer and rural lending consists of funding solutions for consumer durables, such as vehicles and furniture, to personal loans. The commercial lending activities consist of funding for plant and machinery assets and term loans to SMEs. Its business segments include: Life Insurance, General Insurance, Windpower, Retail Finance, and Investment and Others. It derives maximum revenue from the Retail Finance segment. Geographically, the company derives all of its revenue from its operations in India.
81GF Score
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