Bajaj Housing Finance Ltd. (BAJAJHFL) AI Stock Analysis

• Market Cap: ₹933.64B
• Dividend Yield: N/A
• Average Volume (3M): 597.19K
• Price to Earnings (P/E): 40.6
• Beta (1Y): 1.42
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: IN
• Employees: 2,372
• Sector: Financial
• Sector Strength: 77
• Industry: Financial - Mortgages
• EPS (TTM): 0.70
• Shares Outstanding: 8,332,335,000
• 10 Day Avg. Volume: 382,916
• 30 Day Avg. Volume: 597,194
• PEG Ratio: 1.66
• Price to Book (P/B): 5.09
• Price to Sales (P/S): 10.66
• P/FCF Ratio: -5.93
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: ₹112.00
• Price Target Upside: -0.22% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 2

• Rating: 57 Neutral
• Price Target: ₹124.00 ▲(10.47% Upside)

The stock score is primarily driven by strong financial performance with robust growth and profitability. However, technical indicators show bearish momentum, and valuation metrics suggest the stock is expensive, offsetting some of the financial strengths.

Bajaj Housing Finance Ltd. Business Overview & Revenue Model

Company Description

Bajaj Housing Finance Ltd. (BAJAJHFL) is a subsidiary of Bajaj Finance Limited and operates in the financial services sector, primarily focusing on housing finance solutions in India. The company offers a range of products, including home loans, loan against property, and construction finance. Bajaj Housing Finance Ltd. is dedicated to providing affordable and accessible financing options to individuals and businesses, leveraging its extensive network and expertise in the financial sector.

How the Company Makes Money

Bajaj Housing Finance Ltd. generates revenue primarily through the interest income earned on the loans it extends to its customers. The company's key revenue streams include interest from home loans, loans against property, and construction finance. Additionally, BAJAJHFL may earn fees from various loan-related services, such as processing fees, late payment fees, and foreclosure charges. The company's earnings are significantly influenced by its strategic partnerships with real estate developers and its ability to manage interest rate spreads effectively. By maintaining competitive interest rates and leveraging its parent company's brand reputation, Bajaj Housing Finance Ltd. aims to capture a significant share of the housing finance market in India.

Bajaj Housing Finance Ltd. Financial Statement Overview

Summary

Bajaj Housing Finance Ltd. shows strong revenue and profit growth with impressive margins and cost control. However, high leverage and persistent negative cash flow highlight potential risks, necessitating strategic financial management.

Income Statement

Bajaj Housing Finance Ltd. has demonstrated robust revenue growth over the years, with a significant increase from ₹36,875 million in 2022 to ₹93,639 million in 2025, marking a strong upward trajectory. The company maintains a healthy gross profit margin, consistently above 30% in recent years. EBITDA and EBIT margins are strong, reflecting efficient cost management and operational profitability. However, the high net profit margin indicates substantial profitability, although some pressure could arise from industry competition.

Balance Sheet

The company's balance sheet shows a high level of total debt, increasing from ₹414,923 million in 2022 to ₹820,343 million in 2025, leading to a high debt-to-equity ratio. While this leverage could pose risks, the strong growth in stockholders' equity from ₹67,413 million in 2022 to ₹199,468 million in 2025 provides some stability. The equity ratio remains stable and indicates a solid foundation, though the high debt levels warrant careful monitoring.

Cash Flow

Cash flow analysis reveals a consistent pattern of negative operating and free cash flows over the years, indicative of the significant investments being made by the company. This poses a risk to liquidity and sustainability if not managed effectively. Despite this, the financing cash flow remains positive, suggesting that the company is actively managing its financing needs, possibly through debt or equity financing.

Breakdown	TTM	Dec 2025	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	93.47B	95.28B	73.29B	54.81B	36.88B
Gross Profit	44.11B	27.67B	22.11B	18.69B	12.16B
EBITDA	43.16B	27.27B	22.04B	17.36B	9.88B
Net Income	21.63B	21.63B	17.31B	12.58B	7.10B
Balance Sheet
Total Assets	1.03T	1.03T	818.27B	646.54B	485.27B
Cash, Cash Equivalents and Short-Term Investments	617.80M	617.80M	15.64B	21.69B	17.22B
Total Debt	820.34B	820.34B	691.29B	537.45B	414.92B
Total Liabilities	828.62B	828.62B	695.94B	541.51B	417.86B
Stockholders Equity	199.47B	199.47B	122.33B	105.03B	67.41B
Cash Flow
Free Cash Flow	-88.21B	-171.16B	-154.71B	-143.66B	-125.10B
Operating Cash Flow	-88.09B	-170.75B	-154.28B	-143.32B	-124.81B
Investing Cash Flow	-4.32B	-7.98B	2.73B	-6.11B	21.97B
Financing Cash Flow	107.66B	178.70B	151.25B	146.30B	102.28B

Bajaj Housing Finance Ltd. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 112.25
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BAJAJHFL, the sentiment is Negative. The current price of 112.25 is below the 20-day moving average (MA) of 112.75, below the 50-day MA of 116.93, and below the 200-day MA of 120.70, indicating a bearish trend. The MACD of -1.12 indicates Negative momentum. The RSI at 41.97 is Neutral, neither overbought nor oversold. The STOCH value of 47.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:BAJAJHFL.

Bajaj Housing Finance Ltd. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.06B	11.97	10.24%	3.74%	9.75%	1.30%
HOMEFIRST	64 Neutral	₹129.15B	28.26		0.30%	33.53%	21.56%
APTUS	61 Neutral	₹164.27B	20.77		1.37%	28.39%	24.27%
PNBHOUSING	60 Neutral	₹204.70B	10.03		0.63%	10.58%	27.73%
BAJAJHFL	57 Neutral	₹933.64B	40.59		―	―	―
AAVAS	54 Neutral	₹124.59B	21.21		―	―	―
LICHSGFIN	46 Neutral	₹304.98B	5.57		1.80%	4.57%	15.87%

Bajaj Housing Finance Ltd. Corporate Events

Bajaj Housing Finance Releases Q4 FY2025 Earnings Call Transcript

Bajaj Housing Finance Limited has released the transcript of its Q4 FY2025 earnings conference call, detailing the financial results for the quarter ending March 31, 2025. This release is part of the company’s ongoing commitment to transparency and regulatory compliance, as it continues to engage with stakeholders and provide insights into its financial performance and strategic direction.