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Bajaj Housing Finance Ltd. (IN:BAJAJHFL)
:BAJAJHFL
India Market
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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 Q4 2025 was ₹0.93. For the 2025 fiscal year, IN:BAJAJHFL's free cash flow was decreased by ₹ and operating cash flow was ₹0.91. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
140.78 0.27 0.35 0.35
Quick Ratio
140.78 0.27 0.35 0.35
Cash Ratio
0.09 <0.01 <0.01 0.03
Solvency Ratio
0.03 0.03 0.02 0.02
Operating Cash Flow Ratio
-12.44 -0.92 -1.15 -0.98
Short-Term Operating Cash Flow Coverage
-0.46 -0.94 -1.19 -1.00
Net Current Asset Value
₹ 168.10B₹ -649.91B₹ -498.24B₹ -373.91B
Leverage Ratios
Debt-to-Assets Ratio
0.80 0.84 0.83 0.86
Debt-to-Equity Ratio
4.11 5.65 5.12 6.15
Debt-to-Capital Ratio
0.80 0.85 0.84 0.86
Long-Term Debt-to-Capital Ratio
0.80 0.81 0.80 0.81
Financial Leverage Ratio
5.15 6.69 6.16 7.20
Debt Service Coverage Ratio
0.20 0.11 0.11 0.06
Interest Coverage Ratio
0.00 676.46 0.00 0.00
Debt to Market Cap
1.06 0.50 0.39 0.30
Interest Debt Per Share
98.45 83.01 64.54 49.82
Net Debt to EBITDA
18.45 31.34 30.90 41.58
Profitability Margins
Gross Profit Margin
47.19%30.17%34.09%32.97%
EBIT Margin
44.86%29.53%31.07%26.10%
EBITDA Margin
45.28%30.07%31.67%26.80%
Operating Profit Margin
45.49%26.76%0.00%0.00%
Pretax Profit Margin
29.52%29.49%31.01%26.03%
Net Profit Margin
23.07%23.62%22.95%19.24%
Continuous Operations Profit Margin
23.07%23.62%22.95%19.24%
Net Income Per EBT
78.13%80.10%73.99%73.93%
EBT Per EBIT
64.89%110.17%0.00%0.00%
Return on Assets (ROA)
2.20%2.12%1.95%1.46%
Return on Equity (ROE)
12.53%14.15%11.98%10.53%
Return on Capital Employed (ROCE)
4.37%3.02%0.00%0.00%
Return on Invested Capital (ROIC)
2.88%1.93%0.00%0.00%
Return on Tangible Assets
2.20%2.12%1.95%1.46%
Earnings Yield
2.38%1.26%0.92%0.52%
Efficiency Ratios
Receivables Turnover
0.10 0.00 0.00 0.00
Payables Turnover
86.87 88.84 78.66 67.88
Inventory Turnover
0.00 0.00 0.00 0.00
Fixed Asset Turnover
97.81 83.77 64.55 47.22
Asset Turnover
0.10 0.09 0.08 0.08
Working Capital Turnover Ratio
0.20 -0.72 -0.67 0.00
Cash Conversion Cycle
3.70K -4.11 -4.64 -5.38
Days of Sales Outstanding
3.70K 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00
Days of Payables Outstanding
4.20 4.11 4.64 5.38
Operating Cycle
3.70K 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
-10.57 -18.53 -17.21 -14.99
Free Cash Flow Per Share
-10.59 -18.58 -17.25 -15.02
CapEx Per Share
0.01 0.05 0.04 0.03
Free Cash Flow to Operating Cash Flow
1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
-732.26 -358.79 -424.02 -428.59
Capital Expenditure Coverage Ratio
-732.26 -358.79 -424.02 -428.59
Operating Cash Flow Coverage Ratio
-0.11 -0.22 -0.27 -0.30
Operating Cash Flow to Sales Ratio
-0.90 -2.10 -2.61 -3.38
Free Cash Flow Yield
-9.27%-11.26%-10.45%-9.10%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
42.05 79.37 109.24 193.63
Price-to-Sales (P/S) Ratio
9.70 18.75 25.07 37.26
Price-to-Book (P/B) Ratio
4.77 11.23 13.08 20.38
Price-to-Free Cash Flow (P/FCF) Ratio
-10.79 -8.88 -9.56 -10.98
Price-to-Operating Cash Flow Ratio
-10.81 -8.91 -9.59 -11.01
Price-to-Earnings Growth (PEG) Ratio
9.22 2.10 1.41 0.00
Price-to-Fair Value
4.77 11.23 13.08 20.38
Enterprise Value Multiple
39.86 93.69 110.04 180.64
Enterprise Value
1.77T 2.06T 1.91T 1.78T
EV to EBITDA
39.86 93.69 110.04 180.64
EV to Sales
18.05 28.17 34.86 48.40
EV to Free Cash Flow
-20.08 -13.35 -13.30 -14.27
EV to Operating Cash Flow
-20.11 -13.38 -13.33 -14.30
Tangible Book Value Per Share
23.89 14.65 12.58 8.07
Shareholders’ Equity Per Share
23.94 14.69 12.61 8.09
Tax and Other Ratios
Effective Tax Rate
0.22 0.20 0.26 0.26
Revenue Per Share
11.78 8.80 6.58 4.43
Net Income Per Share
2.72 2.08 1.51 0.85
Tax Burden
0.78 0.80 0.74 0.74
Interest Burden
0.66 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00
SG&A to Revenue
0.00 <0.01 <0.01 <0.01
Stock-Based Compensation to Revenue
<0.01 0.00 0.00 0.00
Income Quality
-3.56 -7.14 -8.43 -13.00
Currency in INR
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