Bajaj Finserv (BOM:532978) Margin of Safety % (DCF Earnings Based): -30.02% (As of Jul. 01, 2026)


BOM:532978 Bajaj Finserv Ltd BOM:532978
81 GF Score
Price ₹1,783.00
GF Value ₹2,398.59
Valuation Modestly Undervalued
! 4 Warning Signs
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What is Bajaj Finserv Margin of Safety % (DCF Earnings Based)?

Bajaj Finserv BOM:532978 +1.31% 81 Margin of Safety % (DCF Earnings Based) is -30.02% as of Jul. 01, 2026. GuruFocus rates BOM:532978 with a GF Score™ of 81/100 and a GF Value™ of ₹2,398.59 (Modestly Undervalued). The stock has 4 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 (2026-07-01), Bajaj Finserv's Predictability Rank is 5-Stars. Bajaj Finserv's intrinsic value calculated from the Discounted Earnings model is ₹1371.31 and current share price is ₹1783.00. Consequently,

Bajaj Finserv's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is -30.02%.

BOM:532978 vs VOYA, FRHC: Margin of Safety % (DCF Earnings Based) Comparison

For the Financial Conglomerates subindustry, Bajaj Finserv'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 Finserv Margin of Safety % (DCF Earnings Based) vs Diversified Financial Services Industry

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

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


BOM:532978
81GF Score
Bajaj Finserv Ltd BOM:532978
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Bajaj Finserv Margin of Safety % (DCF Earnings Based) Calculation

Bajaj Finserv'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)
=(1371.31-1783.00)/1371.31
=-30.02 %

* 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 -30.02% mean?
Bajaj Finserv (BOM:532978) has a Margin of Safety % (DCF Earnings Based) of -30.02% as of Jul. 01, 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 Finserv.
Is Bajaj Finserv's Margin of Safety % (DCF Earnings Based) too high?
Bajaj Finserv's current Margin of Safety % (DCF Earnings Based) is -30.02%. 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 Margin of Safety % (DCF Earnings Based) compare to VOYA and FRHC?
Bajaj Finserv's Margin of Safety % (DCF Earnings Based) of -30.02% can be compared against companies in the Diversified Financial 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 Diversified Financial Services company?
A good Margin of Safety % (DCF Earnings Based) depends on the Diversified Financial 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 Finserv. Bajaj Finserv's current Margin of Safety % (DCF Earnings Based) is -30.02%. 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 ₹2,398.59, compared to a current price of ₹1,783.00 — trading 25.7% below its estimated fair value. The current Margin of Safety % (DCF Earnings Based) is -30.02%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For Bajaj Finserv (BOM:532978), the current Margin of Safety % (DCF Earnings Based) is -30.02% as of Jul. 01, 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 ₹1,783.00 is trading 25.7% below its estimated GF Value™ of ₹2,398.59. GuruFocus considers Bajaj Finserv to be Modestly Undervalued.

Key valuation signals for BOM:532978:

  • Margin of Safety % (DCF Earnings Based): -30.02%
  • GF Value™: ₹2,398.59 vs. price of ₹1,783.00 (25.7% below fair value)
  • GF Score™: 81/100 with 4 warning signs

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 Business Description

Other Exchanges BAJAJFINSV:India
Address Off Pune-Ahmednagar Road, 6th Floor, Bajaj Finserv Corporate Office, Viman Nagar, Pune, MH, IND, 411014
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

Get the complete analysis for BOM:532978

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

₹1,783.00
Price
₹2,398.59
GF Value