Bajaj Finance (BOM:500034) Moat Score: 0/10 (As of Jul. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

BOM:500034 Bajaj Finance Ltd BOM:500034
65 GF Score
Price ₹1,006.50
GF Value ₹1,150.27
Valuation Modestly Undervalued
! 6 Warning Signs
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What is Bajaj Finance Moat Score?

Bajaj Finance has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Bajaj Finance has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Bajaj Finance might have No Moat - No discernible moat.

Bajaj Finance  (BOM:500034) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Bajaj Finance Moat Score Related Terms

BOM:500034
65GF Score
Bajaj Finance Ltd BOM:500034
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Bajaj Finance (BOM:500034) Overvalued in 2026?

Based on GuruFocus' analysis, Bajaj Finance stock appears to be undervalued. The current stock price of ₹1,006.50 is trading 12.5% below its estimated GF Value™ of ₹1,150.27. GuruFocus considers Bajaj Finance to be Modestly Undervalued.

Key valuation signals for BOM:500034:

  • Moat Score: 0
  • GF Value™: ₹1,150.27 vs. price of ₹1,006.50 (12.5% below fair value)
  • GF Score™: 65/100 with 6 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.
65GF Score

Get the complete analysis for BOM:500034

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₹1,006.50
Price
₹1,150.27
GF Value