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BAJAJ HOUSING FINANCE LTD BAJAJHFL NIFTY_MIDNSEFINANCIAL

Financial Services · Mortgage Finance · India
https://www.bajajhousingfinance.in
Company Profile ↓
₹87.75
-27.85% 1Y
Mkt Cap₹73,116.24 Cr
P/E28.58
P/B3.29
52W High₹123.36
52W Low₹73.09
Book Value₹27.03
EPS (TTM)₹3.07

Company Overview

Bajaj Housing Finance Limited provides housing finance services in India. It offers finance to individuals and corporate entities for the purchase and renovation of homes or commercial spaces. The company also provides loans against property for business or personal needs, as well as working capital for business expansion purposes. In addition, it offers finance to developers engaged in the construction of residential and commercial properties, as well as lease rental discounting to developers and high-net-worth individuals; real estate investment trusts REITs, and sovereign wealth funds and corporations. Bajaj Housing Finance Limited was formerly known as Bajaj Financial Solutions Limited and changed its name to Bajaj Housing Finance Limited in November 2014. The company was incorporated in 2008 and is headquartered in Pune, India. Bajaj Housing Finance Limited operates as a subsidiary of Bajaj Finance Limited.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 26.7% per year over the last five years.

Steady Revenue Expansion

Revenue has grown at a 25.5% CAGR over the past five years.

Healthy Margins

Maintains a net profit margin of 23.6%.

Recent Developments

  • Mar 2026 Revenue of ₹10,838.70 Cr (+18.1% YoY); net profit ₹2,560.34 Cr.
  • Trailing 12 Months Year-on-year growth — revenue +18.1%, earnings +18.4%.
  • 5-Year Trend Long-term compounding — revenue CAGR 25.5%, profit CAGR 26.7%.

Growth & Price Performance

Compounded Sales Growth

5 Years:25.51%
1 Year:18.08%

Compounded Profit Growth

5 Years:26.73%
1 Year:18.38%

Stock Price Performance

1 Year:-27.85%
6 Months:-6.14%
3 Months:-4.41%
1 Month:+2.15%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 29% of range
₹73.09 ₹123.36
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMABelow
  • RSI (14)51.83 · Neutral
Price Performance
1M+2.15%
3M-4.41%
6M-6.14%
1Y-27.85%
Valuation vs Sector

P/E of 28.58 is above the sector median of 19.81 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

NSE TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 23.6%.
  • Compounding revenue at 25.5% over 5 years.
  • Profit CAGR of 26.7% over 5 years.

CONS

  • Trading 28.9% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
28.58
Industry PE
19.81
Forward P/E
19.97
PEG Ratio
-
Book Value
₹27.03
Price to Book
3.29
P/S
17.73
EV/EBITDA
52.58
Dividend Yield
0.00%

Growth (CAGR)

Revenue 5Y
25.51%
Profit 5Y
26.73%
Revenue (YoY)
18.08%
Earnings (YoY)
18.38%

Profitability & Returns

ROCE
3.29%
ROE
11.37%
ROA
2.01%
Profit Margin
23.62%
Op Margin
30.04%
Gross Margin
32.90%
EPS (Latest Qtr)
₹0.80
EPS (TTM)
₹3.07

Balance Sheet & Liquidity

Debt/Equity
4.60
Quick Ratio
297.54
Current Ratio
0.23
Debt
₹1.04 L Cr
Total Assets
₹1.27 L Cr
Current Assets
₹6,119.80 Cr
Working Capital
₹-20,027.31 Cr

Ownership

Promoter Holding
86.74%
Chg in Prom Hold
0.00%
FII / Inst Holding
0.92%
Chg in FII Hold
0.00%

Financial Snapshot

Enterprise Value
₹73,116.24 Cr
Total Revenue (TTM)
₹10,838.70 Cr
EBITDA
₹3,371.72 Cr
Free Cash Flow
₹-19,942.80 Cr
Operating Cash Flow
₹-19,894.86 Cr
Shares Outstanding
₹833.23 Cr
Gross Margin
32.90%
Payout Ratio
0.00%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP ₹P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 BAJAJHFL BAJAJ HOUSING FINANCE LTD NIFTY_MIDNSEFINANCIAL 87.75 28.58 ₹73,116.24 Cr 0.00% 3.29% 11.37% 25.51% 26.73%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 815.55 16.51 ₹12.48 L Cr 1.58% - 13.62% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,423.10 19.03 ₹10.19 L Cr 0.86% - 14.93% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 1,031.00 11.31 ₹9.52 L Cr 1.67% - 13.97% 12.19% 14.39%
5 BAJFINANCE Bajaj Finance Limited NIFTY50NSEAIFINANCIAL 1,032.90 33.85 ₹6.43 L Cr 0.53% - 16.68% 22.58% 18.23%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 443.80 9.77 ₹5.61 L Cr 2.26% - 32.53% 7.26% 16.86%
7 AXISBANK Axis Bank Limited NIFTY50NSEAIFINANCIAL 1,340.20 15.86 ₹4.17 L Cr 0.08% - 12.27% 12.16% 34.61%
8 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 381.30 19.66 ₹3.79 L Cr 0.17% - 10.64% 13.48% 8.92%
9 BAJAJFINSV Bajaj Finserv Ltd. NIFTY50NSEAIFINANCIAL 1,887.10 34.31 ₹3.02 L Cr 0.07% - 12.58% 22.92% 15.16%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in INR.

Metric Dec 2024Mar 2025Jun 2025Dec 2025Mar 2026
Revenue 2,393.93 Cr2,471.59 Cr2,568.85 Cr2,864.59 Cr2,883.66 Cr
Cost of Revenue 1,637.54 Cr1,686.93 Cr1,744.79 Cr1,878.65 Cr1,910.72 Cr
Gross Profit 756.39 Cr784.66 Cr824.06 Cr985.94 Cr972.94 Cr
Operating Expenses 49.25 Cr66.37 Cr66.78 Cr65.12 Cr58.82 Cr
Operating Income 707.14 Cr718.29 Cr757.28 Cr920.82 Cr914.12 Cr
EBITDA 717.27 Cr729.38 Cr768.37 Cr932.84 Cr926.64 Cr
Interest Expense -----
Pretax Income 713.02 Cr719.75 Cr756.94 Cr864.54 Cr865.88 Cr
Tax Provision 165.00 Cr133.07 Cr173.64 Cr199.65 Cr196.69 Cr
Net Income 548.02 Cr586.68 Cr583.30 Cr664.89 Cr669.19 Cr
Diluted EPS 0.660.700.700.800.80

Profit & Loss (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Revenue -5,481.46 Cr7,329.46 Cr9,179.46 Cr10,838.70 Cr
Cost of Revenue -3,612.69 Cr5,118.07 Cr6,412.26 Cr7,272.91 Cr
Gross Profit -1,868.77 Cr2,211.39 Cr2,767.20 Cr3,565.79 Cr
Operating Expenses -221.89 Cr249.67 Cr279.15 Cr309.97 Cr
Operating Income -1,646.88 Cr1,961.72 Cr2,488.05 Cr3,255.82 Cr
EBITDA -1,736.23 Cr2,203.82 Cr2,815.05 Cr3,371.72 Cr
Interest Expense 2.46 Cr2.77 Cr2.90 Cr3.67 Cr4.37 Cr
Pretax Income -1,700.06 Cr2,161.32 Cr2,770.23 Cr3,320.02 Cr
Tax Provision -442.26 Cr430.10 Cr607.33 Cr759.68 Cr
Net Income -1,257.80 Cr1,731.22 Cr2,162.90 Cr2,560.34 Cr
Diluted EPS -1.512.082.673.07

Balance Sheet (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Total Assets -64,654.14 Cr81,827.09 Cr1.03 L Cr1.27 L Cr
Current Assets -4,326.57 Cr4,602.14 Cr5,350.29 Cr6,119.80 Cr
Cash & Equivalents -93.78 Cr63.70 Cr61.63 Cr161.80 Cr
Inventory -----
Receivables -1.59 Cr13.36 Cr21.88 Cr27.80 Cr
Total Liabilities -54,150.95 Cr69,593.59 Cr82,861.95 Cr1.05 L Cr
Current Liabilities -12,424.68 Cr16,780.91 Cr19,910.87 Cr26,147.11 Cr
Long Term Debt -41,486.84 Cr52,748.41 Cr62,867.77 Cr78,276.64 Cr
Total Debt -53,569.62 Cr68,945.06 Cr82,034.31 Cr1.04 L Cr
Total Equity -10,503.19 Cr12,233.50 Cr19,946.80 Cr22,522.79 Cr
Shares Outstanding -832.81 Cr832.81 Cr832.81 Cr833.23 Cr

Cash Flows (Annual)

Figures in INR.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Operating Cash Flow --14,331.77 Cr-14,600.14 Cr-17,074.87 Cr-19,894.86 Cr
Investing Cash Flow --611.44 Cr-554.66 Cr-797.55 Cr-1,201.68 Cr
Financing Cash Flow -14,630.06 Cr15,124.78 Cr17,870.19 Cr21,196.71 Cr
Capital Expenditure --33.80 Cr-43.00 Cr-41.00 Cr-47.94 Cr
Free Cash Flow --14,365.57 Cr-14,643.14 Cr-17,115.87 Cr-19,942.80 Cr
Net Change in Cash --313.15 Cr-30.02 Cr-2.23 Cr100.17 Cr

Ratios (Annual)

Figures in %.

Metric Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026
Gross Margin % -34.1%30.2%30.1%32.9%
Operating Margin % -30.0%26.8%27.1%30.0%
Net Margin % -22.9%23.6%23.6%23.6%
ROE % -12.0%14.2%10.8%11.4%
ROCE % -3.2%3.0%3.0%3.2%

Shareholding Pattern

Insiders
86.74%
Institutions
0.92%
Public Float
6.90%

Analyst View

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Latest News

Recent headlines for BAJAJHFL

Google News Mon, 13 Jul 2026

BAJAJHFL to Report Q1 Results on July 29 Following ₹1.4 L Cr AUM Target - Sahi

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Google News hu, 25 Jun 2026

BAJAJHFL Forecast — Price Target — Prediction for 2027 - TradingView

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Google News Fri, 07 Nov 2025

Bajaj Housing Finance Limited's (NSE:BAJAJHFL) Price Is Out Of Tune With Earnings - simplywall.st

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Google News ue, 02 Dec 2025

Stocks To Watch Today: BAJAJHFL, Hyundai, Tata Motors | 02 Dec - Samco

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Google News Mon, 30 Mar 2026

Bajaj Housing Finance shares drop 15% in a month, hit record low near IPO levels - Upstox

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Google News ue, 03 Feb 2026

Q3 Results impact: Bajaj Housing Finance shares surge 6%; Mobikwik, Ather Energy rally up to 19% - TradingView

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BAJAJHFL — Frequently Asked Questions

What is the current share price of BAJAJ HOUSING FINANCE LTD (BAJAJHFL)?

As of 2026-07-15 09:52 IST, BAJAJ HOUSING FINANCE LTD (BAJAJHFL) trades at ₹87.75 on NSE. Its 52-week range is ₹73.09 to ₹123.36.

What is the market capitalisation of BAJAJHFL?

BAJAJ HOUSING FINANCE LTD (BAJAJHFL) has a market capitalisation of ₹73,116.24 Cr on NSE.

What is the P/E ratio of BAJAJHFL?

BAJAJHFL trades at a trailing price-to-earnings (P/E) ratio of 28.58. The industry average P/E is 19.81. Its price-to-book (P/B) ratio is 3.29.

What is the return on equity (ROE) of BAJAJHFL?

BAJAJHFL has a return on equity (ROE) of 11.37%. Its return on capital employed (ROCE) is 3.29%.

Is BAJAJHFL a good stock to buy?

This page provides a data-driven analysis of BAJAJ HOUSING FINANCE LTD (BAJAJHFL), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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