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Bajaj Housing Finance Ltd. (IN:BAJAJHFL)
:BAJAJHFL
India Market
BAJAJHFL
Bajaj Housing Finance Ltd.
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Bajaj Housing Finance Ltd. (BAJAJHFL) Ratios

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Bajaj Housing Finance Ltd. Ratios

IN:BAJAJHFL's free cash flow for Q2 2026 was ₹0.39. For the 2026 fiscal year, IN:BAJAJHFL's free cash flow was decreased by ₹ and operating cash flow was ₹0.32. See a summary of the company’s cash flow.
Ratios
TTM
Mar 26Mar 25Mar 24Mar 23
Liquidity Ratios
Current Ratio
 0.00 0.27 140.78 0.27 0.35
Quick Ratio
 0.00 0.27 140.78 0.27 0.35
Cash Ratio
 0.00 0.23 0.09 <0.01 <0.01
Solvency Ratio
 0.02 0.02 0.03 0.03 0.02
Operating Cash Flow Ratio
 0.00 5.99 -24.12 -0.92 -1.15
Short-Term Operating Cash Flow Coverage
 0.00 0.00 -0.89 -0.94 -1.19
Net Current Asset Value
₹ -1.04T₹ -1.04T₹ 168.10B₹ -649.91B₹ -498.24B
Leverage Ratios
Debt-to-Assets Ratio
 0.82 0.82 0.80 0.84 0.83
Debt-to-Equity Ratio
 4.60 4.60 4.11 5.65 5.12
Debt-to-Capital Ratio
 0.82 0.82 0.80 0.85 0.84
Long-Term Debt-to-Capital Ratio
 0.82 0.82 0.76 0.81 0.80
Financial Leverage Ratio
 5.65 5.65 5.15 6.69 6.16
Debt Service Coverage Ratio
 0.00 0.00 0.11 0.11 0.11
Interest Coverage Ratio
 0.00 0.00 677.94 676.46 594.54
Debt to Market Cap
 1.48 1.70 0.81 0.50 0.39
Interest Debt Per Share
 123.92 124.29 98.34 83.01 64.54
Net Debt to EBITDA
 29.90 30.73 29.12 31.34 30.90
Profitability Margins
Gross Profit Margin
36.22%38.41%30.15%30.17%34.09%
EBIT Margin
30.89%29.78%30.22%29.53%31.07%
EBITDA Margin
31.21%30.20%30.67%30.07%31.67%
Operating Profit Margin
31.39%31.60%27.10%26.76%30.04%
Pretax Profit Margin
29.93%29.78%30.18%29.49%31.01%
Net Profit Margin
23.08%22.96%23.56%23.62%22.95%
Continuous Operations Profit Margin
23.08%22.96%23.56%23.62%22.95%
Net Income Per EBT
77.12%77.12%78.08%80.10%73.99%
EBT Per EBIT
95.35%94.22%111.34%110.17%103.23%
Return on Assets (ROA)
2.01%2.01%2.10%2.12%1.95%
Return on Equity (ROE)
12.25%11.37%10.84%14.15%11.98%
Return on Capital Employed (ROCE)
2.74%2.79%2.44%3.02%3.15%
Return on Invested Capital (ROIC)
2.11%2.15%1.60%1.93%29.58%
Return on Tangible Assets
2.01%2.01%2.10%2.12%1.95%
Earnings Yield
3.49%4.20%2.13%1.26%0.92%
Efficiency Ratios
Receivables Turnover
 398.96 401.09 0.09 2.43 2.55
Payables Turnover
 56.10 54.46 83.86 88.84 78.66
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 99.97 100.50 91.48 83.77 64.55
Asset Turnover
 0.09 0.09 0.09 0.09 0.08
Working Capital Turnover Ratio
 114.70 0.23 0.21 -0.72 -0.67
Cash Conversion Cycle
 -5.59 -5.79 3.95K 146.05 138.39
Days of Sales Outstanding
 0.91 0.91 3.96K 150.16 143.03
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 6.51 6.70 4.35 4.11 4.64
Operating Cycle
 0.91 0.91 3.96K 150.16 143.03
Cash Flow Ratios
Operating Cash Flow Per Share
 -14.18 5.19 -20.47 -18.53 -17.21
Free Cash Flow Per Share
 -14.19 5.15 -20.52 -18.58 -17.25
CapEx Per Share
 0.01 0.04 0.05 0.05 0.04
Free Cash Flow to Operating Cash Flow
 1.00 0.99 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 -981.66 138.40 -416.46 -358.79 -424.02
Capital Expenditure Coverage Ratio
 -981.66 138.40 -416.46 -358.79 -424.02
Operating Cash Flow Coverage Ratio
 -0.11 0.04 -0.21 -0.22 -0.27
Operating Cash Flow to Sales Ratio
 -1.07 0.39 -1.86 -2.10 -2.61
Free Cash Flow Yield
-16.27%7.05%-16.85%-11.26%-10.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 27.50 23.81 46.96 79.37 109.24
Price-to-Sales (P/S) Ratio
 6.32 5.47 11.06 18.75 25.07
Price-to-Book (P/B) Ratio
 3.13 2.71 5.09 11.23 13.08
Price-to-Free Cash Flow (P/FCF) Ratio
 -5.91 14.19 -5.93 -8.88 -9.56
Price-to-Operating Cash Flow Ratio
 -5.94 14.09 -5.95 -8.91 -9.59
Price-to-Earnings Growth (PEG) Ratio
 1.64 1.59 1.66 2.10 1.41
Price-to-Fair Value
 3.13 2.71 5.09 11.23 13.08
Enterprise Value Multiple
 50.16 48.84 65.20 93.69 110.04
Enterprise Value
 1.76T 1.64T 1.84T 2.06T 1.91T
EV to EBITDA
 50.98 48.84 65.20 93.69 110.04
EV to Sales
 15.91 14.75 19.99 28.17 34.86
EV to Free Cash Flow
 -14.86 38.29 -10.72 -13.35 -13.30
EV to Operating Cash Flow
 -14.88 38.01 -10.75 -13.38 -13.33
Tangible Book Value Per Share
 26.87 26.95 23.86 14.65 12.58
Shareholders’ Equity Per Share
 26.93 27.01 23.91 14.69 12.61
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.22 0.20 0.26
Revenue Per Share
 13.26 13.37 11.00 8.80 6.58
Net Income Per Share
 3.06 3.07 2.59 2.08 1.51
Tax Burden
 0.77 0.77 0.78 0.80 0.74
Interest Burden
 0.97 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.01 0.00 0.05 <0.01 <0.01
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 0.00 0.00
Income Quality
 -4.03 1.69 -6.16 -7.14 -8.43
Currency in INR