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Bajaj FinanceBOM:500034 +0.43%65 PS Ratio is 13.26 as of Jul. 22, 2026, which is 16% below its 10-year median of 15.75. GuruFocus rates BOM:500034 with a GF Score™ of 65/100 and a GF Value™ of ₹1,156.28 (Fairly Valued). The stock has 7 warning signs investors should review. Among 523 Credit Services companies, Bajaj Finance ranks worse than 84.13% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Bajaj Finance's share price is ₹1068.50.
Bajaj Finance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ₹80.57. Hence, Bajaj Finance's PS Ratio for today is 13.26.
Warning Sign:
Bajaj Finance Ltd stock PS Ratio (=13.25) is close to 2-year high of 14.66.
The historical rank and industry rank for Bajaj Finance's PS Ratio or its related term are showing as below:
BOM:500034'
s PS Ratio Range Over the Past 10 Years
Min: 7.07 Med: 15.75 Max: 59.7
Current: 13.26
During the past 13 years, Bajaj Finance's highest PS Ratio was 59.70. The lowest was 7.07. And the median was 15.75.
BOM:500034's PS Ratio is ranked worse than 84.13% of 523
companies
in the Credit Services industry
Industry Median: 2.91
vs BOM:500034: 13.26
Bajaj Finance Ltd has shown predictable revenue and earnings growth.
During the past 12 months, the average Revenue per Share Growth Rate of Bajaj Finance was 19.10% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 21.50% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 25.10% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 24.50% per year.
During the past 13 years, Bajaj Finance's highest 3-Year average Revenue per Share Growth Rate was 30.90% per year. The lowest was -13.40% per year. And the median was 25.50% per year.
Back to Basics: PS Ratio
Bajaj Finance (BOM:500034) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Bajaj Finance PS Ratio Related Terms
Bajaj Finance PS Ratio Historical Data
* Premium members only.
The historical data trend for Bajaj Finance's PS Ratio can be seen below:
* 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.
For the Credit Services subindustry, Bajaj Finance's PS Ratio, along with its competitors' market caps and PS Ratio 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 PS Ratio vs Credit Services Industry
For the Credit Services industry and Financial Services sector, Bajaj Finance's PS Ratio distribution charts can be found below:
* The bar in red indicates where Bajaj Finance's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Bajaj Finance's Share Price of today is ₹1068.50. Bajaj Finance's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ₹80.57.
* 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.
It can also be calculated from the numbers for the whole company:
Bajaj Finance (BOM:500034) has a PS Ratio of 13.26 as of Jul. 22, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Bajaj Finance and its competitors. This is 16% below median its historical median of 15.75. Over the past decade, Bajaj Finance's PS Ratio has ranged from 7.07 to 59.70. According to the industry distribution chart, Bajaj Finance ranks #440 out of 523 companies in the Credit Services industry, placing it in the top 84.1%.
Is Bajaj Finance's PS Ratio too high?
Bajaj Finance's current PS Ratio of 13.26 is 16% below median its 10-year median of 15.75. Over the past 10 years, this metric has ranged from a low of 7.07 to a high of 59.70. The Credit Services industry median PS Ratio is 2.91. Bajaj Finance's value of 13.26 is 355.7% above this industry median. Based on the distribution chart, Bajaj Finance ranks #440 out of 523 companies in the Credit Services industry, which is in the bottom quartile relative to peers. Overall, Bajaj Finance has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bajaj Finance's PS Ratio compare to V and MA?
According to the Credit Services industry distribution chart, Bajaj Finance ranks #440 out of 523 companies for PS Ratio. This places Bajaj Finance in the lower half of its industry. The industry median PS Ratio is 2.91. Bajaj Finance's value of 13.26 is 355.7% above this benchmark. Historically, Bajaj Finance's own PS Ratio has ranged from 7.07 to 59.70 over the past decade. While the company's 10-year median is 15.75 vs. the industry median of 2.91, Bajaj Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PS Ratio for a Credit Services company?
The median PS Ratio among Credit Services companies is 2.91, based on 523 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bajaj Finance's current PS Ratio of 13.26 is 355.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Bajaj Finance and its competitors. For the Credit Services industry, the median PS Ratio is 2.91 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bajaj Finance's current PS Ratio is 13.26, which is 16% below median its own 10-year median of 15.75. 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 Fairly Valued. The stock's GF Value™ is ₹1,156.28, compared to a current price of ₹1,068.50 — trading 7.6% below its estimated fair value. The current PS Ratio is 13.26, which is 16% below median its 10-year median of 15.75 and 355.7% above the Credit Services industry median of 2.91. Bajaj Finance's overall GF Score™ is 65/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Bajaj Finance (BOM:500034), the current PS Ratio is 13.26 as of Jul. 22, 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 ₹1,068.50 is trading 7.6% below its estimated GF Value™ of ₹1,156.28.
GuruFocus considers Bajaj Finance to be Fairly Valued.
Key valuation signals for BOM:500034:
PS Ratio: 13.26 (16% below median its 10-year median of 15.75)
GF Value™: ₹1,156.28 vs. price of ₹1,068.50 (7.6% below fair value)
Industry Position: 355.7% above the Credit Services median (#440 of 523)
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 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
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