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STOCKS

Bajaj Housing Finance Ltd. (IN:BAJAJHFL)

:BAJAJHFL

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 Q1 2026 was ₹0.32. For the 2026 fiscal year, IN:BAJAJHFL's free cash flow was decreased by ₹ and operating cash flow was ₹0.29. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	140.78	0.27	0.27	0.35
Quick Ratio	0.00	140.78	0.27	0.27	0.35
Cash Ratio	1.15	0.09	<0.01	<0.01	<0.01
Solvency Ratio	0.03	0.03	0.03	0.03	0.02
Operating Cash Flow Ratio	-28.03	-24.12	-0.92	-0.92	-1.15
Short-Term Operating Cash Flow Coverage	0.00	-0.89	-0.94	-0.94	-1.19
Net Current Asset Value	₹ -947.96B	₹ 168.10B	₹ -649.91B	₹ -649.91B	₹ -498.24B
Leverage Ratios
Debt-to-Assets Ratio	0.81	0.80	0.84	0.84	0.83
Debt-to-Equity Ratio	4.44	4.11	5.65	5.65	5.12
Debt-to-Capital Ratio	0.82	0.80	0.85	0.85	0.84
Long-Term Debt-to-Capital Ratio	0.82	0.76	0.81	0.81	0.80
Financial Leverage Ratio	5.48	5.15	6.69	6.69	6.16
Debt Service Coverage Ratio	0.00	0.11	0.11	0.11	0.11
Interest Coverage Ratio	0.00	677.94	676.46	676.46	0.00
Debt to Market Cap	1.26	0.81	0.50	0.50	0.39
Interest Debt Per Share	112.88	98.34	83.01	83.01	64.54
Net Debt to EBITDA	29.32	29.12	31.34	31.34	30.90
Profitability Margins
Gross Profit Margin	33.23%	30.15%	30.17%	30.17%	34.09%
EBIT Margin	31.56%	30.22%	29.53%	29.53%	31.07%
EBITDA Margin	32.00%	30.67%	30.07%	30.07%	31.67%
Operating Profit Margin	28.70%	27.10%	26.76%	26.76%	0.00%
Pretax Profit Margin	30.21%	30.18%	29.49%	29.49%	31.01%
Net Profit Margin	23.60%	23.56%	23.62%	23.62%	22.95%
Continuous Operations Profit Margin	23.60%	23.56%	23.62%	23.62%	22.95%
Net Income Per EBT	78.12%	78.08%	80.10%	80.10%	73.99%
EBT Per EBIT	105.26%	111.34%	110.17%	110.17%	0.00%
Return on Assets (ROA)	2.04%	2.10%	2.12%	2.12%	1.95%
Return on Equity (ROE)	11.83%	10.84%	14.15%	14.15%	11.98%
Return on Capital Employed (ROCE)	2.48%	2.44%	3.02%	3.02%	0.00%
Return on Invested Capital (ROIC)	-1836.97%	1.60%	1.93%	1.93%	0.00%
Return on Tangible Assets	2.04%	2.10%	2.12%	2.12%	1.95%
Earnings Yield	3.16%	2.13%	1.26%	1.26%	0.92%
Efficiency Ratios
Receivables Turnover	373.04	0.09	2.43	0.00	0.00
Payables Turnover	0.00	83.86	88.84	88.84	78.66
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	97.16	91.48	83.77	83.77	64.55
Asset Turnover	0.09	0.09	0.09	0.09	0.08
Working Capital Turnover Ratio	-163.88	0.21	-0.72	-0.72	-0.67
Cash Conversion Cycle	0.98	3.95K	146.05	-4.11	-4.64
Days of Sales Outstanding	0.98	3.96K	150.16	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	4.35	4.11	4.11	4.64
Operating Cycle	0.98	3.96K	150.16	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	-4.11	-20.47	-18.53	-18.53	-17.21
Free Cash Flow Per Share	-4.12	-20.52	-18.58	-18.58	-17.25
CapEx Per Share	<0.01	0.05	0.05	0.05	0.04
Free Cash Flow to Operating Cash Flow	1.00	1.00	1.00	1.00	1.00
Dividend Paid and CapEx Coverage Ratio	-475.95	-416.46	-358.79	-358.79	-424.02
Capital Expenditure Coverage Ratio	-475.95	-416.46	-358.79	-358.79	-424.02
Operating Cash Flow Coverage Ratio	-0.04	-0.21	-0.22	-0.22	-0.27
Operating Cash Flow to Sales Ratio	-0.34	-1.86	-2.10	-2.10	-2.61
Free Cash Flow Yield	-4.59%	-16.85%	-11.26%	-11.26%	-10.45%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	31.64	46.96	79.37	79.37	109.24
Price-to-Sales (P/S) Ratio	7.47	11.06	18.75	18.75	25.07
Price-to-Book (P/B) Ratio	3.53	5.09	11.23	11.23	13.08
Price-to-Free Cash Flow (P/FCF) Ratio	-21.79	-5.93	-8.88	-8.88	-9.56
Price-to-Operating Cash Flow Ratio	-21.83	-5.95	-8.91	-8.91	-9.59
Price-to-Earnings Growth (PEG) Ratio	10.88	1.66	2.10	2.10	1.41
Price-to-Fair Value	3.53	5.09	11.23	11.23	13.08
Enterprise Value Multiple	52.66	65.20	93.69	93.69	110.04
Enterprise Value	1.69T	1.84T	2.06T	2.06T	1.91T
EV to EBITDA	52.67	65.20	93.69	93.69	110.04
EV to Sales	16.85	19.99	28.17	28.17	34.86
EV to Free Cash Flow	-49.17	-10.72	-13.35	-13.35	-13.30
EV to Operating Cash Flow	-49.27	-10.75	-13.38	-13.38	-13.33
Tangible Book Value Per Share	25.43	23.86	14.65	14.65	12.58
Shareholders’ Equity Per Share	25.43	23.91	14.69	14.69	12.61
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.20	0.20	0.26
Revenue Per Share	12.01	11.00	8.80	8.80	6.58
Net Income Per Share	2.83	2.59	2.08	2.08	1.51
Tax Burden	0.78	0.78	0.80	0.80	0.74
Interest Burden	0.96	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	0.00	<0.01	<0.01	<0.01	<0.01
Stock-Based Compensation to Revenue	<0.01	<0.01	0.00	0.00	0.00
Income Quality	-1.41	-6.16	-7.14	-7.14	-8.43

Currency in INR