PMC Fincorp [PMCFIN] vs Bajaj Finance [BAJFINANCE] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 20 vital metrics comparison: PMC Fincorp Ltd. wins in 10 metrics, Bajaj Finance Ltd. wins in 8 metrics, with 0 ties. PMC Fincorp Ltd. appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | PMC Fincorp Ltd. | Bajaj Finance Ltd. | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 24.75 | 31.69 | PMC Fincorp Ltd. |
| Price-to-Book Ratio | 0.73 | 5.53 | PMC Fincorp Ltd. |
| Debt-to-Equity Ratio | 26.30 | 310.29 | PMC Fincorp Ltd. |
| PEG Ratio | -0.30 | 54.50 | Bajaj Finance Ltd. |
| EV/EBITDA | 7.80 | N/A | N/A |
| Profit Margin (TTM) | 49.21% | 43.68% | PMC Fincorp Ltd. |
| Operating Margin (TTM) | 72.99% | 55.55% | PMC Fincorp Ltd. |
| EBITDA Margin (TTM) | 72.99% | 55.55% | PMC Fincorp Ltd. |
| Return on Equity | 8.49% | 16.82% | Bajaj Finance Ltd. |
| Return on Assets (TTM) | 6.51% | 3.57% | PMC Fincorp Ltd. |
| Free Cash Flow (TTM) | $-280.20M | $-692.36B | PMC Fincorp Ltd. |
| Dividend Yield | 0.47% | 10.01% | Bajaj Finance Ltd. |
| 1-Year Return | -16.81% | -1.07% | Bajaj Finance Ltd. |
| Price-to-Sales Ratio (TTM) | 11.81 | 13.83 | PMC Fincorp Ltd. |
| Enterprise Value | $1.45B | $8,982.32B | Bajaj Finance Ltd. |
| EV/Revenue Ratio | 12.12 | 21.76 | PMC Fincorp Ltd. |
| Gross Profit Margin (TTM) | 58.86% | N/A | N/A |
| Revenue per Share (TTM) | $0 | $66 | Bajaj Finance Ltd. |
| Earnings per Share (Diluted) | $0.08 | $28.98 | Bajaj Finance Ltd. |
| Beta (Stock Volatility) | 0.73 | 0.31 | Bajaj Finance Ltd. |
PMC Fincorp Ltd. vs Bajaj Finance Ltd. Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| PMC Fincorp Ltd. | -1.58% | 0.53% | -9.52% | 2.70% | 7.34% | -0.52% |
| Bajaj Finance Ltd. | -0.59% | -5.18% | -7.18% | -9.84% | -13.99% | -9.36% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| PMC Fincorp Ltd. | -16.81% | -2.03% | -11.47% | 421.62% | -83.06% | -83.06% |
| Bajaj Finance Ltd. | -1.07% | 29.31% | 51.54% | 1,049.68% | 14,862.93% | 23,552.34% |
Performance & Financial Health Analysis: PMC Fincorp Ltd. vs Bajaj Finance Ltd.
| Metric | PMCFIN | BAJFINANCE |
|---|---|---|
| Market Information | ||
| Market Cap | ₹1.41B | ₹5.71T |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 632,305 | 8,128,781 |
| 90 Day Avg. Volume | 904,517 | 11,082,959 |
| Last Close | ₹1.87 | ₹876.80 |
| 52 Week Range | ₹1.48 - ₹2.56 | ₹787.90 - ₹1,102.50 |
| % from 52W High | -26.95% | -20.47% |
| All-Time High | ₹122.35 (Oct 27, 2014) | ₹9,788.00 (Jun 09, 2025) |
| % from All-Time High | -98.47% | -91.04% |
| Growth Metrics | ||
| Quarterly Revenue Growth | -0.20% | 0.06% |
| Quarterly Earnings Growth | -0.86% | -0.06% |
| Financial Health | ||
| Profit Margin (TTM) | 0.49% | 0.44% |
| Operating Margin (TTM) | 0.73% | 0.56% |
| Return on Equity (TTM) | 0.08% | 0.17% |
| Debt to Equity (MRQ) | 26.30 | 310.29 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | ₹2.71 | ₹166.19 |
| Cash per Share (MRQ) | ₹0.64 | ₹20.60 |
| Operating Cash Flow (TTM) | ₹-193,110,000 | ₹-147,267,100,000 |
| Levered Free Cash Flow (TTM) | ₹143.50M | ₹166.38B |
| Dividends | ||
| Last 12-Month Dividend Yield | 0.47% | 10.01% |
| Last 12-Month Dividend | ₹0.01 | ₹92.00 |
Valuation & Enterprise Metrics Analysis: PMC Fincorp Ltd. vs Bajaj Finance Ltd.
| Metric | PMCFIN (Apr 24, 2026) | BAJFINANCE (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 24.75 | 31.69 |
| Forward P/E | N/A | 22.75 |
| PEG Ratio | -0.30 | 54.50 |
| Price to Sales (TTM) | 11.81 | 13.83 |
| Price to Book (MRQ) | 0.73 | 5.53 |
| Market Capitalization | ||
| Market Capitalization | ₹1.41B | ₹5.71T |
| Enterprise Value | ₹1.45B | ₹8.98T |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 12.12 | 21.76 |
| Enterprise to EBITDA | 7.80 | N/A |
| Risk & Other Metrics | ||
| Beta | 0.73 | 0.31 |
| Book Value per Share (MRQ) | ₹2.71 | ₹166.19 |
Financial Statements Comparison: PMC Fincorp 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 | PMCFIN (2025) | BAJFINANCE (2025) |
|---|---|---|
| Revenue/Sales | 212.44M | 423.56B |
| Cost of Goods Sold | 19.47M | N/A |
| COGS % of Revenue | 9.2% | 0.0% |
| Gross Profit | 192.97M | N/A |
| Gross Margin | 90.8% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | 184.75M | N/A |
| Operating Margin | 87.0% | 0.0% |
| EBITDA | 185.43M | N/A |
| EBITDA Margin | 87.3% | 0.0% |
| Pre-Tax Income | 184.29M | 220.80B |
| Pre-Tax Income % of Revenue | 86.7% | 52.1% |
| Income Tax | 40.79M | 53.00B |
| Income Tax % of Revenue | 19.2% | 12.5% |
| Net Income (Profit) | 143.50M | 167.79B |
| Profit Margin | 67.5% | 39.6% |
Balance Sheet & Liquidity Metrics
| Metric | PMCFIN (2025) | BAJFINANCE (2025) |
|---|---|---|
| Cash & Equivalents | 435,000 | 107.68B |
| Total Current Assets | 1.58B | N/A |
| Total Current Assets % of Revenue | 744.9% | 0.0% |
| Total Current Liabilities | 506.93M | N/A |
| Total Current Liabilities % of Revenue | 238.6% | 0.0% |
| Long-Term Debt | 0 | 2.75T |
| Long-Term Debt % of Revenue | 0.0% | 650.1% |
| Total Shareholders Equity | 1.69B | 989.37B |
| Retained Earnings | 265.02M | 517.83B |
| Retained Earnings % of Revenue | 124.8% | 122.3% |
| Property, Plant & Equipment | N/A | 5.52B |
Cash Flow Statement Comparison
| Metric | PMCFIN (2025) | BAJFINANCE (2025) |
|---|---|---|
| Operating Cash Flow | -193.11M | -147.27B |
| Operating Cash Flow % of Revenue | -90.9% | -34.8% |
| Capital Expenditures | -487,000 | -5.48B |
| Free Cash Flow | -280.20M | -692.36B |
| FCF Margin | -131.9% | -163.5% |
| Debt Repayment | N/A | -390.27B |
| Common Stock Repurchase | N/A | N/A |
Short Interest & Institutional Ownership Analysis
| Metric | PMCFIN | BAJFINANCE |
|---|---|---|
| Shares Short | N/A | N/A |
| Short Ratio | N/A | N/A |
| Short % of Float | N/A | N/A |
| Shares Outstanding | 712.08M | 6.22B |
| Float Shares | 415.85M | 2.65B |
| % Held by Insiders | 29.56% | 56.26% |
| % Held by Institutions | 0.00% | 24.14% |
| % Held by Public | 70.44% | 19.60% |
Dividend Analysis & Yield Comparison: PMC Fincorp Ltd. vs Bajaj Finance Ltd.
| Metric | PMCFIN | BAJFINANCE |
|---|---|---|
| Last 12-Month Dividend | ₹0.01 | ₹92.00 |
| Last 12-Month Dividend Yield | 0.47% | 10.01% |
| 3-Year Avg Annual Dividend | ₹0.00 | ₹47.33 |
| 3-Year Avg Dividend Yield | 0.47% | 1.22% |
| 3-Year Total Dividends | ₹0.01 | ₹142.00 |
| Ex-Dividend Date | Aug 29, 2025 | May 30, 2025 |