Bajaj Housing Finance Ltd. (IN:BAJAJHFL)
:BAJAJHFL
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Bajaj Housing Finance Ltd.
(BAJAJHFL)
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Rating:56Neutral
Price Target:
₹86.00
▼(-21.17% Downside)
Action:ReiteratedDate:12/03/25
Bajaj Housing Finance Ltd. has a moderate overall stock score driven by strong financial performance but offset by high leverage and negative cash flow. The technical analysis indicates bearish momentum, and the high P/E ratio suggests potential overvaluation. The lack of dividend yield further impacts the valuation attractiveness.
Positive Factors
Sustained Revenue Growth
Material top-line expansion over the 2022–2025 period indicates scalable loan origination and stronger market penetration in housing finance. Sustained revenue growth supports long-term NII expansion, allows reinvestment in distribution, and underpins operating leverage across cycles.
Negative Factors
High Leverage
Substantial and rising indebtedness materially increases interest-rate and refinancing exposure for a net-interest-income business. High leverage constrains financial flexibility, raises funding-cost sensitivity, and amplifies downside in adverse credit or rate environments over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Sustained Revenue Growth
Material top-line expansion over the 2022–2025 period indicates scalable loan origination and stronger market penetration in housing finance. Sustained revenue growth supports long-term NII expansion, allows reinvestment in distribution, and underpins operating leverage across cycles.
Read all positive factors
Bajaj Housing Finance Ltd. (BAJAJHFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹703.83B
Dividend YieldN/A
Average Volume (3M)2.26M
Price to Earnings (P/E)29.5
Beta (1Y)1.19
Revenue GrowthN/A
EPS GrowthN/A
CountryIN
Employees2,372
SectorFinancial
Sector Strength70
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)0.80
Shares Outstanding8,332,335,000
10 Day Avg. Volume748,942
30 Day Avg. Volume2,256,665
Financial Highlights & Ratios
PEG Ratio1.66
Price to Book (P/B)5.09
Price to Sales (P/S)11.06
P/FCF Ratio-5.93
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹100.00Price Target Upside-8.34% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)3.6
Revenue Forecast (FY)₹52.79B
Bajaj Housing Finance Ltd. Business Overview & Revenue Model
Company Description
Bajaj Housing Finance Limited provides housing finance services in India. It offers finance to individuals, as well as corporate entities for the purchase and renovation of homes or commercial spaces. The company also provides loans against proper...
How the Company Makes Money
BAJAJHFL primarily makes money through net interest income (NII): it raises funds (e.g., via borrowings and other funding lines) and lends them out as housing/real-estate loans, earning interest from customers while paying interest on its own fund...
Bajaj Housing Finance Ltd. Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
70
Positive
Cash Flow
60
Neutral
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 100.05B | 91.79B | 73.29B | 54.81B | 36.88B | 31.55B |
| Gross Profit | 33.25B | 27.67B | 22.11B | 18.69B | 12.16B | 26.53B |
| EBITDA | 32.01B | 28.15B | 22.04B | 17.36B | 9.88B | 25.89B |
| Net Income | 23.61B | 21.63B | 17.31B | 12.58B | 7.10B | 4.53B |
Balance Sheet | ||||||
| Total Assets | 1.16T | 1.03T | 818.27B | 646.54B | 485.27B | 378.58B |
| Cash, Cash Equivalents and Short-Term Investments | 1.40B | 617.80M | 15.64B | 21.69B | 17.22B | 39.83B |
| Total Debt | 940.13B | 820.34B | 691.29B | 537.45B | 414.92B | 316.33B |
| Total Liabilities | 947.96B | 828.62B | 695.94B | 541.51B | 417.86B | 318.26B |
| Stockholders Equity | 211.80B | 199.47B | 122.33B | 105.03B | 67.41B | 60.32B |
Cash Flow | ||||||
| Free Cash Flow | -118.71B | -171.16B | -154.71B | -143.66B | -125.10B | -50.82B |
| Operating Cash Flow | -118.58B | -170.75B | -154.28B | -143.32B | -124.81B | -50.76B |
| Investing Cash Flow | 1.73B | -7.98B | 2.73B | -6.11B | 21.97B | -7.97B |
| Financing Cash Flow | 117.60B | 178.70B | 151.25B | 146.30B | 102.28B | 56.76B |
Bajaj Housing Finance Ltd. Technical Analysis
Neutral
109.10
Price Trends
85.45
Negative
91.85
Negative
103.18
Negative
Market Momentum
-1.72
Negative
56.49
Neutral
83.31
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BAJAJHFL, the sentiment is Neutral. The current price of 109.1 is above the 20-day moving average (MA) of 80.54, above the 50-day MA of 85.45, and above the 200-day MA of 103.18, indicating a neutral trend. The MACD of -1.72 indicates Negative momentum. The RSI at 56.49 is Neutral, neither overbought nor oversold. The STOCH value of 83.31 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for IN:BAJAJHFL.
Bajaj Housing Finance Ltd. Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | ₹227.60B | 11.91 | ― | 0.53% | 12.51% | 27.75% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | ₹110.62B | 20.38 | ― | 0.33% | 31.75% | 21.70% | |
58 Neutral | ₹106.21B | 14.79 | ― | 1.60% | 28.47% | 24.63% | |
56 Neutral | ₹703.83B | 29.54 | ― | ― | ― | ― | |
55 Neutral | ₹291.34B | 5.31 | ― | 1.87% | 4.79% | 13.08% | |
53 Neutral | ₹95.76B | 17.04 | ― | ― | ― | ― |
* Financial Sector Average
IN:BAJAJHFL
Bajaj Housing Finance Ltd.
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-29.72%
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Bajaj Housing Finance Ltd. Corporate Events
Bajaj Housing Finance Raises Rs 503 Crore via Secured NCD Issue
Mar 2, 2026
Bajaj Housing Finance Limited has raised Rs. 503.42 crore through a private placement of 50,000 secured, redeemable non-convertible debentures with a face value of Rs. 1,00,000 each. The instruments, carrying a coupon of 7.25% per annum and a resi...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.