BAJAJFINSV (Bajaj Finserv Ltd) vs BSE Sensex 30 Comparison

BAJAJFINSV

BSE Sensex 30

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BAJAJFINSV

BSE Sensex 30

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BAJAJFINSV

BSE Sensex 30

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BSE Sensex 30

BAJAJFINSV

APO

8591

EQH

2885

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1Y 3Y 5Y 10Y 15Y 20Y

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Bajaj Finserv Ltd
Glance View

Economic Moat

Narrow

Market Cap

2.7T INR

Industry

Financial Services

Bajaj Finserv Ltd., a prominent player in the Indian financial services landscape, stands as a testament to the dynamic evolution within the sector. Emerging from the venerable Bajaj Group, known for its storied history in manufacturing and consumer goods, Bajaj Finserv carved a distinct niche by venturing boldly into financial services. Its operations encompass an array of verticals, including lending, insurance, and wealth management, deftly capturing the financial aspirations and protection needs of millions across India. Bajaj Finserv’s adaptability and market acumen have allowed it to leverage technological advancements and changing demographics, placing itself at the forefront of the burgeoning digital finance transformation. By aligning its services to the evolving needs of the consumer, Bajaj Finserv continuously innovates, introducing streamlined processes and digital platforms that make financial products more accessible and efficient. Underpinning Bajaj Finserv’s success is its robust business model that effectively taps into the diverse financial needs of India's vast consumer base. The company generates revenue primarily through interest margins in its lending business, which includes consumer finance, small and medium enterprise loans, and commercial lending. Additionally, it derives significant income from its insurance operations, offering both life and general insurance products that cater to a wide range of individual and corporate customers. Bajaj Finserv deftly manages risk through comprehensive underwriting and claims management expertise, ensuring its financial stability and sustainable growth. By leveraging synergies across its businesses, Bajaj Finserv not only ensures a balanced revenue stream but also fortifies its market presence, thereby sculpting a robust financial future in India’s rapidly evolving economic environment.

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BAJAJFINSV Intrinsic Value

What is Intrinsic Value?

Economic Moat is a concept popularized by Warren Buffett to describe a company's durable competitive advantage. It represents the 'moat' that protects a company from competitors and helps it sustain profitability over the long term. Our analysis of the past 10 years showed that companies with a wide economic moat significantly outperformed the market, delivering +645% returns compared to +189% for the S&P 500.

Our research into Economic Moat performance spans the past 10 years and focuses on companies with a wide economic moat. For this analysis, we calculated the average stock price returns of these companies, comparing them to the performance of the S&P 500 index over the same period.

The results were compelling: wide moat stocks achieved a remarkable +645% average return, compared to +188% for the broader market. This difference highlights the long-term benefits of investing in businesses that can maintain their market position and pricing power over time.

Note: This research does not account for survivorship bias. Past performance is not indicative of future results.

Determining whether a company has an economic moat requires both a deep dive into financial metrics and a qualitative assessment of its competitive position. Our analysts conduct a rigorous evaluation that focuses on identifying structural advantages that enable a company to sustain profitability and defend its market share over the long term.

The process begins with an analysis of a company’s historical financial performance. We assess how consistently the company has generated returns above its cost of capital and whether those returns have been stable or improving. However, financial performance alone doesn’t reveal the full picture. To understand the sources of these advantages, we evaluate five key drivers of economic moats:

Network Effect: We analyze whether the value of a company’s product or service grows as its user base expands. Platforms like payment systems or marketplaces benefit from this self-reinforcing.

Switching Costs: We assess whether customers face significant costs or disruptions when switching to a competitor’s product or service. High switching costs create customer stickiness and provide pricing power.

Intangible Assets: Strong brands, patents, and regulatory licenses can protect a company’s market position by creating barriers for competitors or enabling premium pricing. For example, a well-recognized consumer brand may command higher customer loyalty and margins.

Efficient scale: Occurs when a market is optimally served by one or a few players, making it unprofitable for new entrants to compete. This typically happens in industries with high fixed costs or geographic constraints, such as utilities or pipelines.

Cost Advantage: Companies with structural cost advantages can produce goods or services at a lower cost than their competitors, enabling them to offer competitive pricing or maintain higher margins. These advantages often arise from economies of scale, superior supply chain management, or proprietary technology. Firms like Walmart leverage their massive scale to negotiate better terms with suppliers, allowing them to undercut competitors on price.

By examining these factors in combination with a company’s financial performance and market positioning, we classify each company into one of three categories:

This rigorous evaluation ensures that our moat ratings are both comprehensive and reliable, giving investors the tools they need to make well-informed, long-term decisions.

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ZA	F	FirstRand Ltd JSE:FSR	Select
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IN		Housing Development Finance Corporation Ltd NSE:HDFC	Select
JP		Orix Corp TSE:8591	Select
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TW		Yuanta Financial Holding Co Ltd TWSE:2885	Select
KR		Meritz Financial Group Inc KRX:138040	Select
IT		Banca Mediolanum SpA MIL:BMED	Select
US		Voya Financial Inc NYSE:VOYA	Select
US		Jackson Financial Inc NYSE:JXN	Select

ZA	F	FirstRand Ltd JSE:FSR	Add
US		Apollo Global Management Inc NYSE:APO	Add
IN		Housing Development Finance Corporation Ltd NSE:HDFC	Add
JP		Orix Corp TSE:8591	Add
US		Equitable Holdings Inc NYSE:EQH	Add
TW		Yuanta Financial Holding Co Ltd TWSE:2885	Add
KR		Meritz Financial Group Inc KRX:138040	Add
IT		Banca Mediolanum SpA MIL:BMED	Add
US		Voya Financial Inc NYSE:VOYA	Add
US		Jackson Financial Inc NYSE:JXN	Add

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BAJAJFINSV

vs

BSE Sensex 30

Stocks Performance
BAJAJFINSV vs BSE Sensex 30

Performance Gap
BAJAJFINSV vs BSE Sensex 30

Performance By Year
BAJAJFINSV vs BSE Sensex 30

Competitors Performance
Bajaj Finserv Ltd vs Peers

Bajaj Finserv Ltd
Glance View

Company

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BAJAJFINSV vs BSE Sensex 30

Stocks Performance BAJAJFINSV vs BSE Sensex 30

Performance Gap BAJAJFINSV vs BSE Sensex 30

Performance By Year BAJAJFINSV vs BSE Sensex 30

Competitors Performance Bajaj Finserv Ltd vs Peers

Bajaj Finserv Ltd Glance View

Company

Help

Tools

Stocks

BAJAJFINSV

vs

BSE Sensex 30

Stocks Performance
BAJAJFINSV vs BSE Sensex 30

Performance Gap
BAJAJFINSV vs BSE Sensex 30

Performance By Year
BAJAJFINSV vs BSE Sensex 30

Competitors Performance
Bajaj Finserv Ltd vs Peers

Bajaj Finserv Ltd
Glance View