Loved it! As of yesterday's price, P/B is 7.08. Lets say correction happens for one more year and price drops by another 10% to around 5000, book value will be close to 1000/- (currently at ~800/-, assuming 25% increase). So in the worst case, Bajfinance might reach to P/B of 5 if time correction happens for one more year. From there on even if market does not increase P/B ratio, stock can still give 25% per year return because of increase in AUM and book size. So I feel, it is still a good investment if someone can wait patiently for 3+ years.
Its very speculative to say stock will give 25% return imo Bajaj finance is very overvalued even at 5000 and even if you invest below there is nothing such as guarantee of return stock might go through 3 years of time correction even with decent growth
@@lisboaprince4513 Are 3 years kaha bhai mai to bolta hu abhi isi year ke end tak 8000 jayega i.e. in March 2024 it will be above 8000 14000 cr ka profit hoga aur market cap 5,00,000cr So P.E. will be around 34 to 38 which is reasonable P.E. for stock like Bajaj Finance Waise uska Median P.E. 50 ke aaspaas hai itne saalo se to 35 to koi badi baat nai hai.
Thank you for sharing your learnings with others. 😃 We're glad to see knowledge shared for social welfare by the community. We hope to continue adding value to your investing journey. 🤝
No problem in Bajaj finance because Indians are dependent on loans...minor impact on profit margin...Indian financial system is improving so everyone depends on digital currency and technology...no life without mobile laptop and other electronic gadgets..so Bajaj is the baap of nbfc
Thanks Ishmohit Sir for enlighten us about this wonderful business model. People like me was wondering about it's recent fall and not able to figure out the reason but with this video I must say you open up all the mystery and now one can evaluate the risk on the basis of it. Thanks again for sharing your priceless knowledge with us🙏
Hi Ishmohit. Thanks for this video. You have put this analysis in a very clear way. I believe it's always and still good to hold Bajaj Finance with a long term (20+ yrs) perspective irrespective of some of the current challenges and it's risk of de-growth in case it turns Bank. The reason is sheer management quality. By studying some of the good and successful businesses across the world by me, I have always seen good management was the central for their success. There are very few companies with such management qualities in India. So, I believe even if we don't see growth like returns, one should think that at least it can be 15-17% compounder for the next 20 yrs and still we will end up making tons of money 😊. Therefore if we invest around 5 lakh today then it would be still approx. 1.5 Crore in the next 20 yrs. By the way I have been a Bajaj Finance shareholder since 4 yrs now😊
Thank you for participating. 😃 We're glad to know you're taking time out to learn with us. We hope to continue adding value to your investing journey. 🤜
Agreed with your view point sir,but my view is that till the Bajaj finance underwriting is strong and optimizing technology where they are already an expert, I feel Bajaj finance will dominate as other compertitors underwriting is not so strong for a long time
Loved it! The sincerity with which you are serving the nation, can be experienced if one just hears you. Thank You indeed for this masterpiece. You have spoken mostly about Bajaj Finance and there have been glimpses of Bajaj Finserv too. Appreciate if you can do a separate session only on Finserv and enlighten us on its journey in the next one decade.
Ishmohit - As usual your presentation skills are phenomenal. I like the way you cut through the complexities and make it simple for the average investor to understand jargons. Kudos to you !! Keep it up !! I only hope Rajiv Jain Under commits and over delivers. Lets see. Thanks for this wonderful presentation . I suggest that you add a few lines on the impact that Reliance Financial services will have on BFL's growth prospects
The antithesis pointers are genuine and it is still trading at premium to bank val (p/b) 2x of banks, as you said new products have low ROE (although there can be margin expansion as per management guidance (housing fin.)) . Growing with large size is another challenge. 2 things I would like to mention from concalls: Acquire and cross sell strategy - which has done wonders and contributed to fast growth. Focus on margin > Focus on growth = getting it right then scalling up Excellent video!
Thank you for participating. 😃 We're glad to know you're taking time out to learn with us. We hope to continue adding value to your investing journey. 🤜
Yes I am a holder of bajaj finance and I totally believe the thesis will definitely outweigh the antithesis. Currently, we are living in a high inflationary and higher interest rate market Taking loans from banks or even from NBFC is a high risk for a medium and small-scale business owner Stock nahi chal raha sare kahaniya bana rahe hai stock chal padega to sell karne ki call aayegi and One more point to add THE FOUNDER /MD/CEO WILL NOT TELL YOU THE REAL STORY OF HOW HE/SHE GONNA TURN AROUND THE BUSINESS Engine ko thoda aaram do mileage khud ba khud nikal aayega Jai hind
Hell yess! Anti-thesis pointers are genuine and a mind opener aspect while investing. Thanks for sharing GNPA in such a depth, have a request if possible for you please share NNPA as well. That was very intricate to understanding when i started investing. My father used to take loan from Bajaj Finance and now i invest in BFFD, that’s how i grew up.
Excellently explained particularly the anti thesis. The fourth anti thesis on becoming a bank was interesting. Thanks for all the hard work you put on getting through all the videos.
We're glad to know you're taking time out to learn with us. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤜
All the antitheses are already priced in. That's why pe ratio is 30 not 50-60. If a company is growing at 22-24% per annum, I am ready to pay 30 times pe. That's my point of view.
Have to say your videos are just on another level. So much value added. Keep rolling, and helping new-age investors with your experiences & wisdom. Although, I have a small question regarding the Valuation course. I enrolled & currently learning from it, but no responses to the doubts from the videos there. Plz help as it's all finance, and it's a bit tough for me to crack without my doubt-solving as comes from a non-finance background😥🙏
Thanks for excellent and succinct analysis. BF may give 15% CAGR from here for next 5 years like a compouder. Which is still very good returns which can be enhanced 1 to 2% by doing some timing. Currently it is in stage 4. Management can be given benefit out doubt for holding next two years
SIR U R DEFINITELY GOING TO BE A MOST BIGGEST AND SUCCESSFUL ASSET MANAGER OF COMING BHARAT... DEPT OF KNOWLEDGE AND EXPLANATION IN SUCH A SIMPLE WAY.... TOOO GOOD .. 🎉👍💪💪
We're glad to know you're taking time out to learn with us. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤜
We're glad to know you're taking time out to learn with us. 😃 Thank you for watching our videos. We hope to continue adding value to your investing journey. 🤜
We're glad to know you're taking time out to learn with us. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤜
Ishmohit, the coloured bucket modelling and the asset moving between them was easiest learning of the concept. Visualization like what u did on the cola wars video is really amazing idea for someone who has no background to industry. Namaste from Bengaluru 🙏
Awesome allround informative information without any bias. I follow other channels as well, but they show some biases. But you a true gem in the stock and sector analysis.
I can say that great analysis of Bajaj finance:::: now I can say that I'm not regrading to subscribed ur Chanel;;;; grow well brother and keep education us like that thanx for ur efforts 🙏🙏🙏🙏
We're glad to know you're taking time out to learn with us. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤜
Holding Bajaj Finance and adding value for antithesis points which is playing due to its present size and still be happy to hold for 20% growth. Hats off.
Maybe you should have kept the *Red* bucket for the *SMA2* and *Yellow* for the *SMA1* , then that would have been a good colour coding of the stressed assets. Just saying.
hello sir, I have been learning a lot through your videos just love the analyse you do & make it easier for retail investors. Would love to consume more & more from you. I am an investor in Bajaj Finance & it is one of my top holdings, what I think is Bajaj fiance will demerge some part of it's company so that base size gets decrease, yes but we will not get a return like 35 to 50% but but but I still believe it will out perform many NBFC & we can a good CAGR of 25 to 27%. Once again thank you for the video it was JOORDAAR.
Ishmohit, very well made video. Honestly, I think that the share price wouldn't move much for the next couple of years due to the factors you mentioned as well as external factors like the ongoing recession. Although, as you rightly said, Management, management and Management. The company will definitely figure out a way in the coming years. I would slowly add this stock on dips.
We're glad to know you're taking time out to learn with us. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤜
Great analysis. In my view if we believe in the India growth story, then Bajaj fin is the best corollary to the same. But your antithesis points are quite valid.
We're glad to know you're taking time out to learn with us. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤜
We're glad to know you're taking time out to learn with us. 😃 Thank you for watching our videos. We hope to continue adding value to your investing journey. 🤜
As usual, another classic session from Ishmohit & team. For newbies, no videos can be better than SOIC's. Great assessment about future prospects. Holding BF for sometime. Will continue to hold. I am ok with 15-18% return, as long as Rajiv Jain holds the reins.
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Jai hind Ishmohit. Good video. My 2 cents: Personal loans are unsecured loans and there is huge risks of them getting into NPA zone. Compared to that Housing loans come with a collateral. Certainly housing loan growth is less as our large middle class would usually buy one house in their lifetime compared to TV / fridge which may get bought every 10years, but the fact that the loan is secured and would give Income to the NBFC for a longer time, should reflect in the calculation/ consideration.
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You were absolutely right when you said that this must be the best videos you ever made....Delivery was exceptional along with presentation being crisp and with relevant pointers. You just keep getting better and surprising us with content thats really a treasure trove. Surely Ish....a deserving pat on the back.
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Loved the video! In the near term it is clear that anti-thesis will outweigh the thesis pointers. There is high probability that P/B will correct further. Also the large-cap banks have been competing in this space in the recent past, so competition will be there for Bajfin in the near future. Expecting more time correction in the stock.
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Thesis / Antithesis and views on probability of growth going forward may be correct but stock price movement is a different story . I have attended several of your paid webinars and many time incurred losses when invested ( India bulls Real Estate for example which according to webinar presentation post merger will have largest Landbank and cheap valued at the time of seminar but it corrected 70 percent after that). So analysing business is entirely different story than stock price. Retail investor enter market to earn money from price movement and not to remain invested for 20-30 years and keep analysing business . Thus index investing is best way to invest in businesses.
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Absolutely loved it ❤ Thought of skimming through for 5-10 minutes, but ended up watching the entire video at one go. Intense knowledge. Like many big companies, Bajaj finance is at a cross road / cat on the wall. Market is watching and waiting for action plan i guess . Similar situation for many big companies like hdfc with merger, Netflix etc. "What next" is the question.
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If BF won't going to be Bank... Then thesis pointers outweighs anti thesis pointers.... Thanks SOIC for such insightful video.. Hell Yess for such videos... Getting more educated by You.. Thank for your efforts.. Just one question to ask... can BF demerge their Housing Finance business as a separate entity instead of becoming bank to lower their base size ...what is your insights on this Ishmohit.??
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1 year later the demerger of housing finance seems to be happening. You said the base will reduce due to the demerger. What impact will this have exactly. Can some one pls explain.
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If bajaj finance becomes a bank, they will get casa and their cost of capital decreases right? It should be more profitable in that sense. What are your thoughts on this
Great analysis as usual! It is like when a student scoring 100% scores 90% he becomes a disappointment. PAT CAGR of around 25% is by no means a small figure. Being forced to become a bank is an important factor. I shall reconsider holding it whenever management guides for it.
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Loved it! As of yesterday's price, P/B is 7.08. Lets say correction happens for one more year and price drops by another 10% to around 5000, book value will be close to 1000/- (currently at ~800/-, assuming 25% increase). So in the worst case, Bajfinance might reach to P/B of 5 if time correction happens for one more year. From there on even if market does not increase P/B ratio, stock can still give 25% per year return because of increase in AUM and book size. So I feel, it is still a good investment if someone can wait patiently for 3+ years.
Its very speculative to say stock will give 25% return imo Bajaj finance is very overvalued even at 5000 and even if you invest below there is nothing such as guarantee of return stock might go through 3 years of time correction even with decent growth
can u say in simple terms if it will go back to 8000 in 3 years time?
@@lisboaprince4513 Are 3 years kaha bhai mai to bolta hu abhi isi year ke end tak 8000 jayega i.e. in March 2024 it will be above 8000 14000 cr ka profit hoga aur market cap 5,00,000cr
So P.E. will be around 34 to 38 which is reasonable P.E. for stock like Bajaj Finance
Waise uska Median P.E. 50 ke aaspaas hai itne saalo se to 35 to koi badi baat nai hai.
Thank you for sharing your learnings with others. 😃 We're glad to see knowledge shared for social welfare by the community. We hope to continue adding value to your investing journey. 🤝
@@lisboaprince4513 thoda sa rate hikes stop honey do 8000 ni 9000 pe hoga
No problem in Bajaj finance because Indians are dependent on loans...minor impact on profit margin...Indian financial system is improving so everyone depends on digital currency and technology...no life without mobile laptop and other electronic gadgets..so Bajaj is the baap of nbfc
top banks are taking their place especially with cc
@@infinioda108 top banks r trying to increase profit n growth..so it's good but number of credit holders r increasing also
@@infinioda108 late movers....I can see Bajaj all around me....
Thanks Ishmohit Sir for enlighten us about this wonderful business model. People like me was wondering about it's recent fall and not able to figure out the reason but with this video I must say you open up all the mystery and now one can evaluate the risk on the basis of it. Thanks again for sharing your priceless knowledge with us🙏
Ere, yyr
As an education channel, it would be a good idea to add reading material for each video/company used in your presentation.
excellent video btw
Noted!
Hi Ishmohit. Thanks for this video. You have put this analysis in a very clear way. I believe it's always and still good to hold Bajaj Finance with a long term (20+ yrs) perspective irrespective of some of the current challenges and it's risk of de-growth in case it turns Bank. The reason is sheer management quality. By studying some of the good and successful businesses across the world by me, I have always seen good management was the central for their success. There are very few companies with such management qualities in India. So, I believe even if we don't see growth like returns, one should think that at least it can be 15-17% compounder for the next 20 yrs and still we will end up making tons of money 😊. Therefore if we invest around 5 lakh today then it would be still approx. 1.5 Crore in the next 20 yrs. By the way I have been a Bajaj Finance shareholder since 4 yrs now😊
Thank you for participating. 😃 We're glad to know you're taking time out to learn with us. We hope to continue adding value to your investing journey. 🤜
Management will come up with a novel way to grow more than our expectations, as they did earlier.
Loved ur vid. Keep at it!
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Agreed with your view point sir,but my view is that till the Bajaj finance underwriting is strong and optimizing technology where they are already an expert, I feel Bajaj finance will dominate as other compertitors underwriting is not so strong for a long time
Loved it! The sincerity with which you are serving the nation, can be experienced if one just hears you. Thank You indeed for this masterpiece. You have spoken mostly about Bajaj Finance and there have been glimpses of Bajaj Finserv too. Appreciate if you can do a separate session only on Finserv and enlighten us on its journey in the next one decade.
Thank you for watching our videos. 😃 We're glad to know you're enjoying our content. We hope to continue adding value to your investing journey. 🤜
Ishmohit - As usual your presentation skills are phenomenal. I like the way you cut through the complexities and make it simple for the average investor to understand jargons. Kudos to you !! Keep it up !! I only hope Rajiv Jain Under commits and over delivers. Lets see. Thanks for this wonderful presentation . I suggest that you add a few lines on the impact that Reliance Financial services will have on BFL's growth prospects
We appreciate your trust in our content. Thankyou for watching our analysis videos. We hope to continue adding value to your investing journey. 😃🤝
The antithesis pointers are genuine and it is still trading at premium to bank val (p/b) 2x of banks, as you said new products have low ROE (although there can be margin expansion as per management guidance (housing fin.)) . Growing with large size is another challenge.
2 things I would like to mention from concalls:
Acquire and cross sell strategy - which has done wonders and contributed to fast growth.
Focus on margin > Focus on growth = getting it right then scalling up
Excellent video!
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Absolutely loved it IshMohit! Amazing job done once again.
Glad you liked it!
Yes I am a holder of bajaj finance
and I totally believe the thesis will definitely outweigh the antithesis.
Currently, we are living in a high inflationary and higher interest rate market
Taking loans from banks or even from NBFC is a high risk for a medium and small-scale business owner
Stock nahi chal raha sare kahaniya bana rahe hai stock chal padega to sell karne ki call aayegi and One more point to add
THE FOUNDER /MD/CEO WILL NOT TELL YOU THE REAL STORY OF HOW HE/SHE GONNA TURN AROUND THE BUSINESS
Engine ko thoda aaram do mileage khud ba khud nikal aayega
Jai hind
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Hell yess! Anti-thesis pointers are genuine and a mind opener aspect while investing. Thanks for sharing GNPA in such a depth, have a request if possible for you please share NNPA as well. That was very intricate to understanding when i started investing. My father used to take loan from Bajaj Finance and now i invest in BFFD, that’s how i grew up.
We're glad to know you're enjoying our content. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤜
Excellently explained particularly the anti thesis.
The fourth anti thesis on becoming a bank was interesting. Thanks for all the hard work you put on getting through all the videos.
We're glad to know you're taking time out to learn with us. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤜
All the antitheses are already priced in. That's why pe ratio is 30 not 50-60. If a company is growing at 22-24% per annum, I am ready to pay 30 times pe. That's my point of view.
😃🤝
Have to say your videos are just on another level. So much value added. Keep rolling, and helping new-age investors with your experiences & wisdom.
Although, I have a small question regarding the Valuation course. I enrolled & currently learning from it, but no responses to the doubts from the videos there. Plz help as it's all finance, and it's a bit tough for me to crack without my doubt-solving as comes from a non-finance background😥🙏
Just solved :)
Thanks for excellent and succinct analysis. BF may give 15% CAGR from here for next 5 years like a compouder. Which is still very good returns which can be enhanced 1 to 2% by doing some timing. Currently it is in stage 4. Management can be given benefit out doubt for holding next two years
15% cagr😀😀😀bhai 5536 pe le kar 6800 pe bhi nikal dogey tou 15% hota hai. 😀😀😀
SIR U R DEFINITELY GOING TO BE A MOST BIGGEST AND SUCCESSFUL ASSET MANAGER OF COMING BHARAT... DEPT OF KNOWLEDGE AND EXPLANATION IN SUCH A SIMPLE WAY.... TOOO GOOD .. 🎉👍💪💪
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Best finance channel. In depth analysis. Thanks for making us financially aware . Wish more success and good health to you.
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Sir this is the most detailed and well-conceptualized video I have ever seen on Bajaj Finance !!
Thanks for educating us Ishmohit sir.
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Thanks for the English video. Pls do more videos in English which will help reach a larger number of people
Thanks :)
Thanks for the amazing well scripted content! Keep doing amazing work Ishmohit 🎉
Sir hindi me video bnao plz
Abhi kya krna sir mere portfolio ka 50% vetage h bajaj finance me
Please go to video settings → subtitles → auto translate → Hindi 😃👍
Excellent- incisive ,unbiased and comprehensive analysis.
😃🤝
Even after closure of loan..Bajaj finance keep on deducting charges for ECS mandate failure.. .
Make a video analysing LIC as well pls
Ishmohit, the coloured bucket modelling and the asset moving between them was easiest learning of the concept. Visualization like what u did on the cola wars video is really amazing idea for someone who has no background to industry. Namaste from Bengaluru 🙏
Thanks for sharing!
Awesome allround informative information without any bias. I follow other channels as well, but they show some biases. But you a true gem in the stock and sector analysis.
Absolutely loved it! Great Presentation
😃🤝
Thanku for speeking in English ❤
2-3 lakh crore aum is peanuts considering India's growth and quantitative easing happening around the world
I can say that great analysis of Bajaj finance:::: now I can say that I'm not regrading to subscribed ur Chanel;;;; grow well brother and keep education us like that thanx for ur efforts 🙏🙏🙏🙏
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Supper Information, I have 60 Shares for the next 4 years, now I am not going to sale 4 years,
😃🙏
Holding Bajaj Finance and adding value for antithesis points which is playing due to its present size and still be happy to hold for 20% growth. Hats off.
😃🤝
Maybe you should have kept the *Red* bucket for the *SMA2* and *Yellow* for the *SMA1* , then that would have been a good colour coding of the stressed assets. Just saying.
Most underrated chenal in UA-cam .
Already invested 2L , add up to 5L
Love this price correction 💕
😃🤝
pe 31 and growh is 24% ...if it sustains ,i am ok to hold it
Hell yes.. one of the epic vlog from SOIC... Very better understanding creates about GNPA concepts
hello sir,
I have been learning a lot through your videos just love the analyse you do & make it easier for retail investors. Would love to consume more & more from you.
I am an investor in Bajaj Finance & it is one of my top holdings, what I think is Bajaj fiance will demerge some part of it's company so that base size gets decrease, yes but we will not get a return like 35 to 50% but but but I still believe it will out perform many NBFC & we can a good CAGR of 25 to 27%.
Once again thank you for the video it was JOORDAAR.
Thank you for watching our videos. 😃 We're glad to know you're enjoying our content. We hope to continue adding value to your investing journey. 🤜
Ishmohit, very well made video. Honestly, I think that the share price wouldn't move much for the next couple of years due to the factors you mentioned as well as external factors like the ongoing recession. Although, as you rightly said, Management, management and Management. The company will definitely figure out a way in the coming years. I would slowly add this stock on dips.
may be to start accumulating on dips for reasonable returns >CAGR 15% over 20 Y period ..
Excellent insight of BF . But however for 3-4 years your holding of BF will be 2X .
Excellent teaching. Now it's time to review and wait for more updates in Bajaj Finance
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Plz Hindi also sir 🙏
Please go to video settings → subtitles → auto translate → Hindi 😃👍
Great analysis. In my view if we believe in the India growth story, then Bajaj fin is the best corollary to the same. But your antithesis points are quite valid.
😃🤝
Excellent video. Nicely explained for a learner of finance.
NPA and ALM concepts explained very well.
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Such a quality content on UA-cam, hardly we can find. Awsome Job!
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First like then watch video this is the rule of SOIC video😅
I am big fan of you ❤ bahut kuch sikhne ko milta hai bhai aapse
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OM SAI RAM GOD BLESS YOU AND YOUR ENTIRE FAMILY , YOUR TEAM AND THEIR ENTIRE FAMILY AND EVERYONE WATCHING THIS AND THEIR ENTIRE FAMILIES !
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Excellent Sir
😃🤝
As usual, another classic session from Ishmohit & team. For newbies, no videos can be better than SOIC's. Great assessment about future prospects. Holding BF for sometime. Will continue to hold. I am ok with 15-18% return, as long as Rajiv Jain holds the reins.
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Somehow I feel there might be a huge buying around 5000 mark and might not break below that.
Jai hind Ishmohit. Good video. My 2 cents: Personal loans are unsecured loans and there is huge risks of them getting into NPA zone. Compared to that Housing loans come with a collateral. Certainly housing loan growth is less as our large middle class would usually buy one house in their lifetime compared to TV / fridge which may get bought every 10years, but the fact that the loan is secured and would give Income to the NBFC for a longer time, should reflect in the calculation/ consideration.
We're glad to know you're taking time out to learn with us. Thank you for watching our videos. 😃 We hope to continue adding value to your investing journey. 🤜
You were absolutely right when you said that this must be the best videos you ever made....Delivery was exceptional along with presentation being crisp and with relevant pointers. You just keep getting better and surprising us with content thats really a treasure trove. Surely Ish....a deserving pat on the back.
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man .. I wish I could be so insightful someday
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Loved the video! In the near term it is clear that anti-thesis will outweigh the thesis pointers. There is high probability that P/B will correct further. Also the large-cap banks have been competing in this space in the recent past, so competition will be there for Bajfin in the near future. Expecting more time correction in the stock.
L
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Becoming bank point is major negative point for Bajaj finance. Also, they should demerge bajaj housing finance business to decrease there size.
Rajeev has clearly gone on record they won't become a bank in Q3 call
@@mekailazh bhai jb RBI danda kr dega na toh inko baat maan ni he pdh jaayegi.
Looking forward for such video in future
😃🤝
Why every other famous stock market analysts is now making video on Bajaj Finance? What's cooking in?
Great research
But i disagree that 2-3 lakh cr market share is big enough to slow down the growth keeping in mind India's growth 📈 and living standard
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LOVED IT !!🔥
Excellent explanation as a common man easy to understand. Thank you so much for the effort to bring this video.
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great video on the best nbfc, and your antithesis pointers win..
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Sir please give your updated view on privy speciality chemicals
you are outstanding . LOVE you and analysys
Just being able to go through the basics of investment is really an eye opening experience for me. Thanx for the quality content
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Thesis / Antithesis and views on probability of growth going forward may be correct but stock price movement is a different story . I have attended several of your paid webinars and many time incurred losses when invested ( India bulls Real Estate for example which according to webinar presentation post merger will have largest Landbank and cheap valued at the time of seminar but it corrected 70 percent after that). So analysing business is entirely different story than stock price. Retail investor enter market to earn money from price movement and not to remain invested for 20-30 years and keep analysing business . Thus index investing is best way to invest in businesses.
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Excellent explanation
Glad it was helpful!
Excellent analysis 👍🏼
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Absolutely loved it ❤
Thought of skimming through for 5-10 minutes, but ended up watching the entire video at one go.
Intense knowledge.
Like many big companies, Bajaj finance is at a cross road / cat on the wall. Market is watching and waiting for action plan i guess . Similar situation for many big companies like hdfc with merger, Netflix etc. "What next" is the question.
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A golden question which each and every one of your subscriber wants to know, what has been your CAGR
Less than the half of previous growth rates means it should be looked at when P/B becomes less than half of historical PB.
Antithesis outweighs thesis. Good management is a blessing but competing with banks won’t be easy
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Thank u for sharing ur knowledge
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Superb analysis.Bajaj Finace's scorching growth and returns are a thing of the past unless some path breaking innovations take place
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Invested @6600..what to do now..can it be averaged down or wait for break even and move out
Great hai Bhai!!!
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Superb Video
Gold Standard Research
Kudous Ish Mohit Bhaiya
Spectacular Work
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Nice video.please suggest I m holding it @ 6700 what to do with it.hold/avarage or sell? Please SUGGEST It’s humble request.
Avg It
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Please follow valuations and decide the next step. 🤝
Very exhaustive presentation.
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Hindi me karo bhai..usme jada ache se samjh aata ha
Please go to video settings → subtitles → auto translate → Hindi 😃👍
Can You make detailed stock analysis about rajratan golbal wires and its industry . Pls
Superb vedio , & an excellent analysis.
Thanks a ton!
Thank you for making it in English... Great analysis.
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If BF won't going to be Bank... Then thesis pointers outweighs anti thesis pointers.... Thanks SOIC for such insightful video.. Hell Yess for such videos... Getting more educated by You.. Thank for your efforts..
Just one question to ask... can BF demerge their Housing Finance business as a separate entity instead of becoming bank to lower their base size ...what is your insights on this Ishmohit.??
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1 year later the demerger of housing finance seems to be happening. You said the base will reduce due to the demerger. What impact will this have exactly. Can some one pls explain.
Loved it
Bhaut badiya, lekin Hindi English mix ker loh....
Please go to video settings → subtitles → auto translate → Hindi 😃👍
Analyze Page Industries and Fine Organics like this presentation .
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Make sense! Thank you for the video. You've earned a follower today. Jai hind
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2 lkh cr is just a small cap considering Indian growth in future. A long way to go for BFin.
Is there any challenges for Bajaj finance from JIO financial services. ?
lol
too early to say in my opinion.
What a wonderful analysis sir ..can't be better than this ..floored 🙏
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Thanks for this video😊
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It was very informative ...Thanks Ishmohit and your team...
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If bajaj finance becomes a bank, they will get casa and their cost of capital decreases right? It should be more profitable in that sense. What are your thoughts on this
Wonderful explanation..thank u
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LOVED THIS VIDEO❤,Iwill consider antithesis pointer,But as NBFC 20-25% GROWTH IS REASONABLE
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Very insightful video, need little more clarification on the valuation part.
Great analysis as usual! It is like when a student scoring 100% scores 90% he becomes a disappointment. PAT CAGR of around 25% is by no means a small figure. Being forced to become a bank is an important factor. I shall reconsider holding it whenever management guides for it.
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