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BAJAJ HOUSING FINANCE LTD BAJAJHFL NIFTY_MIDNSEFINANCIAL

Financial Services · Mortgage Finance · India
https://www.bajajhousingfinance.in

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.

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₹84.89
-31.05% 1Y

Market & Price

Market Cap
₹70,702.01 Cr
Current Price
₹84.89
High / Low (52W)
₹127.13 / ₹73.09
Beta
-

Valuation

Stock P/E
27.65
Industry PE
19.12
Forward P/E
19.69
PEG Ratio
-
Book Value
₹26.93
Price to Book
3.15
P/S
16.99
EV/EBITDA
-
Dividend Yield
-

Profitability & Returns

ROCE
2.72%
ROE
12.06%
ROA
2.23%
Profit Margin
61.53%
Op Margin
80.67%
EPS (Latest Qtr)
₹0.80
EPS (TTM)
₹3.07

Balance Sheet & Liquidity

Debt/Equity
4.61
Quick Ratio
297.54
Current Ratio
298.60
Debt
₹1.04 L Cr
Total Assets
₹1.27 L Cr
Current Assets
₹1.24 L Cr
Working Capital
₹1.23 L Cr

Ownership

Promoter Holding
86.74%
Chg in Prom Hold
-
FII / Inst Holding
0.98%
Chg in FII Hold
-

Financial Snapshot

Enterprise Value
₹1.75 L Cr
Total Revenue (TTM)
₹4,160.90 Cr
EBITDA
-
Free Cash Flow
-
Operating Cash Flow
₹-19,894.86 Cr
Shares Outstanding
₹832.87 Cr
Gross Margin
99.68%
Payout Ratio
0.00%

Growth (CAGR)

Revenue 5Y
26.23%
Profit 5Y
26.73%
Revenue (YoY)
42.30%
Earnings (YoY)
14.40%

PROS

  • Excellent profit margin of 61.5%.
  • Compounding revenue at 26.2% over 5 years.
  • Profit CAGR of 26.7% over 5 years.

CONS

  • Trading 33.2% below its 52-week high.
  • In a downtrend (50-DMA below 200-DMA).

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

Price Chart

NSE TradingView Screener.in

Fundamental Growth

Figures from the latest reported periods. CAGR is computed across the displayed window (quarterly CAGR is annualised assuming 4 quarters per year).

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 84.89 27.65 ₹70,702.01 Cr - 2.72% 12.06% 26.23% 26.73%
2 HDFCBANK HDFC Bank Limited NIFTY50NSEAIFINANCIAL 744.55 16.61 ₹11.46 L Cr 1.75% - 13.82% 32.50% 20.39%
3 ICICIBANK ICICI Bank Limited NIFTY50NSEAIFINANCIAL 1,256.40 16.81 ₹9.01 L Cr 0.88% - 16.36% 19.65% 16.78%
4 SBIN State Bank of India NIFTY50NSEAIFINANCIALPSU 964.40 10.58 ₹8.90 L Cr 1.80% - 15.48% 12.19% 14.39%
5 KOTAKBANK Kotak Mahindra Bank Limited NIFTY50NSEAIFINANCIAL 384.20 19.80 ₹3.82 L Cr 0.13% - 11.39% 14.58% 8.92%
6 LICI Life Insurance Corporation of India NIFTY_MIDNSEFINANCIALPSU 411.35 9.06 ₹2.60 L Cr 2.43% - 42.36% 7.61% 16.86%
7 SHRIRAMFIN Shriram Finance Limited NIFTY50NSEFINANCIAL 947.15 17.79 ₹2.23 L Cr 1.46% - 16.38% 15.48% 18.59%
8 SBILIFE SBI Life Insurance Company Limited NIFTY50NSEFINANCIAL 1,830.10 74.06 ₹1.84 L Cr 0.15% - 13.70% 11.67% 12.81%
9 ICICIAMC ICICI PRUDENTIAL AMC LTD NIFTY_MIDNSEFINANCIAL 3,538.50 53.19 ₹1.75 L Cr 0.70% 98.30% 85.80% 28.94% 29.58%
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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 Cr9,363.90 Cr11,024.64 Cr
Cost of Revenue -3,612.69 Cr5,118.07 Cr6,474.82 Cr7,331.69 Cr
Gross Profit -1,868.77 Cr2,211.39 Cr2,889.08 Cr3,692.95 Cr
Operating Expenses -221.89 Cr249.67 Cr225.01 Cr258.53 Cr
Operating Income -1,646.88 Cr1,961.72 Cr2,664.07 Cr3,434.42 Cr
EBITDA -1,736.23 Cr2,203.82 Cr2,705.22 Cr3,481.75 Cr
Interest Expense 2.46 Cr2.77 Cr2.90 Cr3.67 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

Compounded Sales Growth

5 Years:26.23%
1 Year:42.30%

Compounded Profit Growth

5 Years:26.73%
1 Year:14.40%

Stock Price Performance

1 Year:-31.05%
6 Months:-19.12%
3 Months:-2.78%
1 Month:-2.63%

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 Cr1.24 L Cr
Cash & Equivalents -93.78 Cr63.70 Cr61.43 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 Cr722.37 Cr
Long Term Debt -41,653.38 Cr52,749.61 Cr62,869.77 Cr1.04 L Cr
Total Debt -53,745.39 Cr69,129.32 Cr82,071.92 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%30.9%33.5%
Operating Margin % -30.0%26.8%28.5%31.2%
Net Margin % -22.9%23.6%23.1%23.2%
ROE % -12.0%14.2%10.8%11.4%
ROCE % -3.2%3.0%3.2%2.7%

Shareholding Pattern

Insiders
86.74%
Institutions
0.98%
Public Float
7.42%

Analyst View

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