Bajaj Finance (BOM:500034) Margin of Safety % (DCF Earnings Based): -33.30% (As of Jun. 28, 2026)


BOM:500034 Bajaj Finance Ltd BOM:500034
68 GF Score
Price ₹979.90
GF Value ₹1,133.89
Valuation Modestly Undervalued
! 3 Warning Signs
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What is Bajaj Finance Margin of Safety % (DCF Earnings Based)?

Bajaj Finance BOM:500034 -1.10% 68 Margin of Safety % (DCF Earnings Based) is -33.30% as of Jun. 28, 2026. GuruFocus rates BOM:500034 with a GF Score™ of 68/100 and a GF Value™ of ₹1,133.89 (Modestly Undervalued). The stock has 3 warning signs investors should review.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-28), Bajaj Finance's Predictability Rank is 5-Stars. Bajaj Finance's intrinsic value calculated from the Discounted Earnings model is ₹735.12 and current share price is ₹979.90. Consequently,

Bajaj Finance's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -33.30%.

BOM:500034 vs V, MA, AXP: Margin of Safety % (DCF Earnings Based) Comparison

For the Credit Services subindustry, Bajaj Finance's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Finance Margin of Safety % (DCF Earnings Based) vs Credit Services Industry

For the Credit Services industry and Financial Services sector, Bajaj Finance's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where Bajaj Finance's Margin of Safety % (DCF Earnings Based) falls into.


BOM:500034
68GF Score
Bajaj Finance Ltd BOM:500034
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Bajaj Finance Margin of Safety % (DCF Earnings Based) Calculation

Bajaj Finance's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(735.12-979.90)/735.12
=-33.30 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of -33.30% mean?
Bajaj Finance (BOM:500034) has a Margin of Safety % (DCF Earnings Based) of -33.30% as of Jun. 28, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Bajaj Finance.
Is Bajaj Finance's Margin of Safety % (DCF Earnings Based) too high?
Bajaj Finance's current Margin of Safety % (DCF Earnings Based) is -33.30%. Overall, Bajaj Finance has a GF Score™ of 68/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Bajaj Finance's Margin of Safety % (DCF Earnings Based) compare to V and MA?
Bajaj Finance's Margin of Safety % (DCF Earnings Based) of -33.30% can be compared against companies in the Credit Services industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF Earnings Based) for a Credit Services company?
A good Margin of Safety % (DCF Earnings Based) depends on the Credit Services industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on Bajaj Finance. Bajaj Finance's current Margin of Safety % (DCF Earnings Based) is -33.30%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bajaj Finance stock overvalued right now?
Based on GuruFocus' analysis, Bajaj Finance (BOM:500034) is currently considered Modestly Undervalued. The stock's GF Value™ is ₹1,133.89, compared to a current price of ₹979.90 — trading 13.6% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is -33.30%. Bajaj Finance's overall GF Score™ is 68/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Bajaj Finance (BOM:500034), the current Margin of Safety % (DCF Earnings Based) is -33.30% as of Jun. 28, 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 Finance (BOM:500034) Overvalued in 2026?

Based on GuruFocus' analysis, Bajaj Finance stock appears to be undervalued. The current stock price of ₹979.90 is trading 13.6% below its estimated GF Value™ of ₹1,133.89. GuruFocus considers Bajaj Finance to be Modestly Undervalued.

Key valuation signals for BOM:500034:

  • Margin of Safety % (DCF Earnings Based): -33.30%
  • GF Value™: ₹1,133.89 vs. price of ₹979.90 (13.6% below fair value)
  • GF Score™: 68/100 with 3 warning signs

No single metric tells the full story. See the BOM:500034 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bajaj Finance Business Description

Other Exchanges BAJFINANCE:India
Address Off Pune-Ahmednagar Road, 4th Floor, Bajaj Finserv Corporate Office, Viman Nagar, Pune, MH, IND, 411 014
Bajaj Finance Ltd is the holding company for various financial services businesses under the Bajaj Group, which operates in India. The company is an NBFC in India offering payments, partnerships, services, and lending solutions to customers. The company's model is focused on the acquisition of customers and offering multiple loans and services on a cross-sell basis to meet their financial service needs. The company provides discretionary spending across consumer electronics, furniture, and digital products in India. The company's strategies and structure are closely aligned with those of commercial banks in India. All of its revenue is generated from India.
68GF Score

Get the complete analysis for BOM:500034

Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹979.90
Price
₹1,133.89
GF Value