BAJFINANCE - IntraDay Trade Analysis with Live Signals

Last Updated Time : 20 Dec 25, 07:02 am

IntraDay Trade Rating: 3.5

📊 Analysis: BAJFINANCE is trading at ₹1,008, slightly below its 50 DMA (₹1,015) but above 200 DMA (₹941), showing mixed technical signals. RSI at 43.7 indicates weak momentum, while MACD (-6.40) suggests mild bearishness. Current volume (37,33,571) is lower than average weekly volume (44,62,709), reflecting reduced intraday participation. Fundamentals remain strong with steady PAT growth (+17.2% QoQ) and ROE of 18.5%, but valuation is premium with a P/E of 39.2 compared to industry PE of 21.2.

💡 Optimal Buy Price: Around ₹1,000–₹1,010 (near support zone).

🎯 Profit-Taking Exit Levels: ₹1,025 (first resistance), ₹1,040 (next resistance).

🛡️ Stop-Loss / Loss Protection: ₹990 (below intraday support).

⏱️ If Already Holding: Consider partial exit near ₹1,025 if momentum slows. Full exit if price falls below ₹990 with weakening RSI or MACD divergence. Intraday trend remains cautious given weak momentum and premium valuation.

✅ Positive

• 📈 Strong ROE (18.5%) and steady ROCE (11.5%).
• 💹 EPS of ₹25.8 supports earnings stability.
• 📊 PAT growth from ₹4,133 Cr. to ₹4,251 Cr. (+17.2% QoQ).
• 📈 Trading above 200 DMA, showing medium-term strength.
• 📊 52-week performance shows +77.7% growth.

⚠️ Limitation

• 📉 RSI at 43.7 shows weak momentum.
• 📊 MACD negative (-6.40), indicating mild bearishness.
• 📉 Current volume below average weekly volume.
• 💸 High P/E (39.2) compared to industry PE (21.2).
• 📉 Debt-to-equity ratio at 3.18 indicates leverage risk.

🚨 Company Negative News

• 📉 DII holding decreased (-0.13%).

🌟 Company Positive News

• 📈 FII holding increased (+0.26%).
• 📊 PAT growth strong at ₹4,251 Cr. vs ₹4,133 Cr. previous quarter.
• 📈 Dividend yield at 0.44% adds investor confidence.

🏭 Industry

• 📊 Industry PE at 21.2, much lower than BAJFINANCE’s 39.2, showing premium valuation.
• 💳 NBFC sector outlook remains strong with rising credit demand and consumer financing growth.

📌 Conclusion

BAJFINANCE is a moderately favorable candidate for intraday trading today, supported by strong fundamentals and trading above 200 DMA. Optimal entry is near ₹1,000–₹1,010 with profit exits at ₹1,025–₹1,040 and stop-loss at ₹990. Momentum indicators suggest cautious optimism, but premium valuation and weak RSI warrant conservative intraday strategies.

Would you like me to extend this into a peer benchmarking overlay with other NBFC leaders (like HDFC Ltd, Muthoot Finance, Shriram Finance) to highlight relative intraday strength?