Bajaj Housing Finance vs Fmcct: Fair Value & Quality
Both stocks run through our valuation models. Here is how Bajaj Housing Finance (BAJAJHFL) and Fmcct (FMCCT) compare, as of Aug 14, 2026.
As of Aug 14, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: Bajaj Housing Finance trades at ₹84.33 versus a fair value of ₹39.96 (-53%), while Fmcct trades at $15.00 versus $29.24 (+95%).
Bajaj Housing Finance
BAJAJHFL.NSE · INR · Financials
-53%
upside to fair value
overvalued
Price₹84.33
Fair Value₹39.96
Quality53/100
Fmcct
FMCCT · USD · Financials
+95%
upside to fair value
undervalued
Price$15.00
Fair Value$29.24
Quality53/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
Bajaj Housing FinanceFmcct
Valuation
28.3×P/E (TTM)242.6×
17.45×P/S (TTM)—
3.22×P/B—
19.4×EV/EBITDA—
Profitability
62%Net margin50%
81%Operating margin69%
12%Return on equity17%
2%Return on assets0%
Growth
42%Revenue growth (YoY)16%
26.7%Avg. growth/yr (3Y)92.6%
28.7%Avg. growth/yr (5Y)43.0%
Balance & size
4.60×Debt / equity47.84×
$8BMarket cap$59B
healthyGrowth qualitymixed
Bajaj Housing Finance leads: 6 to 3 metric wins.
Dash = not meaningfully computable, for example with negative equity.
Quality in detail
The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.
Bajaj Housing Financeof which business quality 51 · market factors 42Fmcctof which business quality 49 · market factors 12
ProfitabilityMargins and returns on capital today
35
36
Quality GrowthAre margins and returns improving?
66
29
CashflowEarnings quality: real cash, not paper profit
InvestmentDisciplined investing over empire-building
33
62
Low VolatilityCalm price path (market factor)
86
29
MomentumPrice trend over the last 3–12 months (market factor)
29
7
52W MomentumDistance to the 52-week high (market factor)
14
0
Net IssuanceBuybacks instead of dilution
82
82
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
Bajaj Housing Finance
Earnings-Based₹127
Multiples₹38.91
Asset-Based₹18.12
Growth DCF₹56.65
Economic Profit₹29.69
5 of 7 models see the stock below the current price.
Fmcct
Earnings-Based$137
Multiples$36.95
Asset-Based$14.64
Economic Profit$29.54
1 of 6 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
Bajaj Housing Finance
Bear ₹29.97Fair Value ₹39.96Bull ₹49.95
₹84.33 = current price (white tick)
Fmcct
Bear $21.93Fair Value $29.24Bull $36.54
$15.00 = current price (white tick)
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Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
Bajaj Housing Finance · Financials
Quality score53 · below median
Fair value upside-53% · bottom 25%
Fmcct · Financials
Quality score53 · below median
Fair value upside+95% · Top 25%
Bottom line
As of Aug 14, 2026, Fair Value Calculator sees Fmcct as the more attractively valued of the two: Bajaj Housing Finance trades at ₹84.33 versus a fair value of ₹39.96 (-53%), while Fmcct trades at $15.00 versus $29.24 (+95%).
Bajaj Housing Finance has the higher quality score (53/100).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
