Bajaj Holdings & Investment Ltd.
ISIN: INE118A01012 • Market Cap: ₹1.26 Lakh Cr
The 5-Pillar Quality Audit for Bajaj Holdings & Investment Ltd.
Evaluated across Profitability, Financial Health, Historical Compounding, Valuation Safety, and Ownership Governance:
1. Profitability & Capital Efficiency
Weight: 25%Measures operating margins (84.7%), Return on Capital Employed (1.1%), and equity compounding (13.2%).
2. Financial Health & Solvency
Weight: 25%Debt-to-Equity is 0.00 with comfortable interest coverage and clean working capital.
3. Growth & Compounding Track Record
Weight: 20%Historical 3Y Sales CAGR (-11.6%) and 3Y PAT CAGR (-49.8%).
4. Valuation Multiple & Margin of Safety
Weight: 15%Trades at P/E of 14.23 vs PEG of 1.69 and Dividend Yield of 1.7%.
5. Ownership Quality & Governance
Weight: 15%Promoter holding stands at 51.5%, backed by 17.7% institutional ownership.
Key Fundamental Strengths
Fortress Balance Sheet (D/E: 0.00)
The company operates virtually debt-free, shielding net margins from interest rate cycles and monetary tightening.
Attractive Valuation Margin (P/E: 14.23)
Trading at a P/E multiple of 14.23, the stock offers a favourable risk-reward entry for quality compounding.
Areas to Watch & Potential Risks
Subdued Capital Efficiency (ROCE: 1.1%)
A sub-12% ROCE suggests return on capital barely exceeds the company's weighted average cost of capital (WACC).
Topline Stagnation (3Y Sales CAGR: -11.6%)
Revenue growth has slowed below inflation rates, indicating cyclical demand slowdown or saturated core markets.
Quantitative Strategy Eligibility
Checking BAJAJHLDNG against established Indian wealth creation frameworks:
Coffee Can Investing Framework
Fails 10%+ revenue growth or 15%+ minimum capital return benchmark over historical periods.
Quality Factor Screener (High RoIC + Low Debt)
Scorecard of 65/100 or leverage profile sits below strict quality index hurdles.
GARP / Value-Growth Blend
Provides balanced valuation margin with strong profitability scores.
Financial Services Sector Peer Comparison
Compare BAJAJHLDNG directly against top industry peers by market capitalization:
| Company | 5-Pillar Score | Market Cap | P/E | ROCE | D/E | Scorecard |
|---|---|---|---|---|---|---|
| Bajaj Holdings & Investment Ltd. (BAJAJHLDNG)Current | 65/100 | ₹1.26 Lakh Cr | 14.23 | 1.1% | 0.00 | — |
| HDFC Bank Ltd. (HDFCBANK) | 74/100 | ₹11.10 Lakh Cr | 14.05 | 12.8% | 1.01 | View |
| ICICI Bank Ltd. (ICICIBANK) | 76/100 | ₹10.06 Lakh Cr | 17.94 | 16.5% | 0.62 | View |
| State Bank of India (SBIN) | 71/100 | ₹9.66 Lakh Cr | 11.20 | 12.2% | 1.38 | View |
| Bajaj Finance Ltd. (BAJFINANCE) | 68/100 | ₹6.72 Lakh Cr | 33.07 | 13.9% | 3.86 | View |
| Life Insurance Corporation of India (LICI) | 87/100 | ₹5.22 Lakh Cr | 8.70 | 37.8% | 0.00 | View |
Frequently Asked Questions: Bajaj Holdings & Investment Ltd.
Q:What is the 5-Pillar Fundamental Score for Bajaj Holdings & Investment Ltd. (BAJAJHLDNG)?
Bajaj Holdings & Investment Ltd. has a RupeeTools Fundamental Score of 65/100, placing it in the 'Solid & Healthy' category. Its pillar scores are: Profitability (67/100), Financial Health (87/100), Growth (18/100), Valuation (77/100), and Ownership Quality (78/100).
Q:Is BAJAJHLDNG fundamentally strong for long-term investment?
BAJAJHLDNG currently holds a moderate quality rating of 65/100. While it operates in the Financial Services sector, investors should monitor its profit margins before initiating long-term positions.
Q:Does BAJAJHLDNG pass the Coffee Can Investing filter?
No. BAJAJHLDNG does not currently meet the strict 15% ROCE and 10% sustained topline compounding threshold mandated by the Coffee Can investing framework.
Q:How does BAJAJHLDNG compare against other Financial Services peers?
Within India's Financial Services sector, BAJAJHLDNG trades at a P/E of 14.23 and generates an ROCE of 1.1%. Compare its 5-Pillar score of 65/100 against top sector peers like HDFC Bank Ltd. (74/100), ICICI Bank Ltd. (76/100).
Regulatory & SEBI Research Analyst Compliance Disclaimer:
This 5-pillar fundamental score is an automated quantitative health check generated purely from historical public financial statements, corporate filings, and exchange disclosures for educational and informational purposes only. It does NOT constitute investment advice, a stock recommendation, or a solicitation to buy or sell securities. RupeeTools is not a SEBI-registered Research Analyst. Please consult a SEBI-registered financial advisor before making investment decisions.