JPMorgan downgrades Bajaj Finance stock to Neutral on mortgage attrition

Published 25/07/2025, 06:18
JPMorgan downgrades Bajaj Finance stock to Neutral on mortgage attrition

Investing.com - JPMorgan downgraded Bajaj Finance (NSE:BJFN) Ltd. (NSE:BAF) from Overweight to Neutral and slightly reduced its price target to INR970.00 from INR980.00.

The investment bank cited increasing mortgage attrition, which represents 31% of Bajaj Finance’s loan portfolio, as a key factor in its decision to downgrade the stock.

JPMorgan also noted weakness in MSME asset quality that "deteriorated at a pace that surprised management" and continued weakness in two-wheeler and three-wheeler loan quality as additional concerns.

Despite the downgrade, JPMorgan acknowledged that Bajaj Finance "remains the best quality NBFC in the country," trading at 29.1x and 23.6x price-to-earnings ratios for fiscal years 2026 and 2027, respectively.

The firm has revised its FY26-28 forecasts lower by 1% following recent results and expects the stock’s re-rating to "pause for a quarter or two," suggesting that a price correction could create future opportunities in what it views as a "multi-year compounder."

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