India Finsec [IFINSEC] vs Bajaj Finance [BAJFINANCE] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: India Finsec Ltd. wins in 5 metrics, Bajaj Finance Ltd. wins in 11 metrics, with 0 ties. Bajaj Finance Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | India Finsec Ltd. | Bajaj Finance Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 25.44 | 31.69 | India Finsec Ltd. |
| Price-to-Book Ratio | 3.10 | 5.53 | India Finsec Ltd. |
| Debt-to-Equity Ratio | 145.76 | 310.29 | India Finsec Ltd. |
| PEG Ratio | -5.76 | 54.50 | Bajaj Finance Ltd. |
| EV/EBITDA | 24.39 | N/A | N/A |
| Profit Margin (TTM) | 14.12% | 43.68% | Bajaj Finance Ltd. |
| Operating Margin (TTM) | 54.25% | 55.55% | Bajaj Finance Ltd. |
| EBITDA Margin (TTM) | 54.25% | 55.55% | Bajaj Finance Ltd. |
| Return on Equity | 7.31% | 16.82% | Bajaj Finance Ltd. |
| Return on Assets (TTM) | 3.24% | 3.57% | Bajaj Finance Ltd. |
| Free Cash Flow (TTM) | $-312.68M | $-692.36B | India Finsec Ltd. |
| Dividend Yield | N/A | 10.01% | N/A |
| 1-Year Return | 28.50% | -1.07% | India Finsec Ltd. |
| Price-to-Sales Ratio (TTM) | 193.62 | 13.83 | Bajaj Finance Ltd. |
| Enterprise Value | $6.74B | $8,982.32B | Bajaj Finance Ltd. |
| EV/Revenue Ratio | 245.62 | 21.76 | Bajaj Finance Ltd. |
| Gross Profit Margin (TTM) | 40.59% | N/A | N/A |
| Revenue per Share (TTM) | $1 | $66 | Bajaj Finance Ltd. |
| Earnings per Share (Diluted) | $7.15 | $28.98 | Bajaj Finance Ltd. |
| Beta (Stock Volatility) | N/A | 0.31 | N/A |
India Finsec Ltd. vs Bajaj Finance Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| India Finsec Ltd. | 15.88% | 11.14% | 3.55% | 16.64% | 21.25% | 32.20% |
| Bajaj Finance Ltd. | -0.59% | -5.84% | -7.72% | -7.23% | -14.16% | -9.90% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| India Finsec Ltd. | 28.50% | 463.50% | 1,160.61% | 2,717.52% | 1,654.55% | 1,654.55% |
| Bajaj Finance Ltd. | -1.07% | 29.31% | 51.54% | 1,049.68% | 14,862.93% | 23,552.34% |
Performance & Financial Health Analysis: India Finsec Ltd. vs Bajaj Finance Ltd.
| Metric | IFINSEC | BAJFINANCE |
|---|---|---|
| Market Information | ||
| Market Cap | ₹5.31B | ₹5.71T |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 609 | 8,128,781 |
| 90 Day Avg. Volume | 6,822 | 11,082,959 |
| Last Close | ₹214.50 | ₹876.80 |
| 52 Week Range | ₹125.00 - ₹223.80 | ₹787.90 - ₹1,102.50 |
| % from 52W High | -4.16% | -20.47% |
| All-Time High | ₹223.80 (Jan 16, 2026) | ₹9,788.00 (Jun 09, 2025) |
| % from All-Time High | -4.16% | -91.04% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.04% | 0.06% |
| Quarterly Earnings Growth | -0.27% | -0.06% |
| Financial Health | ||
| Profit Margin (TTM) | 0.14% | 0.44% |
| Operating Margin (TTM) | 0.54% | 0.56% |
| Return on Equity (TTM) | 0.07% | 0.17% |
| Debt to Equity (MRQ) | 145.76 | 310.29 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹58.76 | ₹166.19 |
| Cash per Share (MRQ) | ₹8.72 | ₹20.60 |
| Operating Cash Flow (TTM) | ₹-690,859,540 | ₹-147,267,100,000 |
| Levered Free Cash Flow (TTM) | ₹117.61M | ₹166.38B |
| Dividends | ||
| Last 12-Month Dividend Yield | N/A | 10.01% |
| Last 12-Month Dividend | N/A | ₹92.00 |
Valuation & Enterprise Metrics Analysis: India Finsec Ltd. vs Bajaj Finance Ltd.
| Metric | IFINSEC (Apr 26, 2026) | BAJFINANCE (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 25.44 | 31.69 |
| Forward P/E | N/A | 22.75 |
| PEG Ratio | -5.76 | 54.50 |
| Price to Sales (TTM) | 193.62 | 13.83 |
| Price to Book (MRQ) | 3.10 | 5.53 |
| Market Capitalization | ||
| Market Capitalization | ₹5.31B | ₹5.71T |
| Enterprise Value | ₹6.74B | ₹8.98T |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 245.62 | 21.76 |
| Enterprise to EBITDA | 24.39 | N/A |
| Risk & Other Metrics | ||
| Beta | N/A | 0.31 |
| Book Value per Share (MRQ) | ₹58.76 | ₹166.19 |
Financial Statements Comparison: India Finsec Ltd. vs Bajaj Finance Ltd.
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | IFINSEC (2025) | BAJFINANCE (2025) |
|---|---|---|
| Revenue/Sales | 700.91M | 423.56B |
| Cost of Goods Sold | 359.49M | N/A |
| COGS % of Revenue | 51.3% | 0.0% |
| Gross Profit | 341.42M | N/A |
| Gross Margin | 48.7% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 239.51M | N/A |
| Operating Margin | 34.2% | 0.0% |
| EBITDA | 276.12M | N/A |
| EBITDA Margin | 39.4% | 0.0% |
| Pre-Tax Income | 239.82M | 220.80B |
| Pre-Tax Income % of Revenue | 34.2% | 52.1% |
| Income Tax | 58.53M | 53.00B |
| Income Tax % of Revenue | 8.4% | 12.5% |
| Net Income (Profit) | 181.29M | 167.79B |
| Profit Margin | 25.9% | 39.6% |
Balance Sheet & Liquidity Metrics
| Metric | IFINSEC (2025) | BAJFINANCE (2025) |
|---|---|---|
| Cash & Equivalents | 120.85M | 107.68B |
| Total Current Assets | 3.48B | N/A |
| Total Current Assets % of Revenue | 496.1% | 0.0% |
| Total Current Liabilities | 36.41M | N/A |
| Total Current Liabilities % of Revenue | 5.2% | 0.0% |
| Long-Term Debt | 1.98B | 2.75T |
| Long-Term Debt % of Revenue | 282.1% | 650.1% |
| Total Shareholders Equity | 1.61B | 989.37B |
| Retained Earnings | 263.51M | 517.83B |
| Retained Earnings % of Revenue | 37.6% | 122.3% |
| Property, Plant & Equipment | 0 | 5.52B |
Cash Flow Statement Comparison
| Metric | IFINSEC (2025) | BAJFINANCE (2025) |
|---|---|---|
| Operating Cash Flow | -690.86M | -147.27B |
| Operating Cash Flow % of Revenue | -98.6% | -34.8% |
| Capital Expenditures | -26.56M | -5.48B |
| Free Cash Flow | -312.68M | -692.36B |
| FCF Margin | -44.6% | -163.5% |
| Debt Repayment | N/A | -390.27B |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | IFINSEC | BAJFINANCE |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 29.19M | 6.22B |
| Float Shares | 4.44M | 2.65B |
| % Held by Insiders | 81.10% | 56.26% |
| % Held by Institutions | 6.85% | 24.14% |
| % Held by Public | 12.05% | 19.60% |
Dividend Analysis & Yield Comparison: India Finsec Ltd. vs Bajaj Finance Ltd.
| Metric | IFINSEC | BAJFINANCE |
|---|---|---|
| Last 12-Month Dividend | N/A | ₹92.00 |
| Last 12-Month Dividend Yield | N/A | 10.01% |
| 3-Year Avg Annual Dividend | N/A | ₹47.33 |
| 3-Year Avg Dividend Yield | N/A | 1.22% |
| 3-Year Total Dividends | N/A | ₹142.00 |
| Ex-Dividend Date | N/A | May 30, 2025 |