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Bajaj Housing Finance Ltd. (IN:BAJAJHFL)
:BAJAJHFL
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Bajaj Housing Finance Ltd. (BAJAJHFL) AI Stock Analysis

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IN:BAJAJHFL

Bajaj Housing Finance Ltd.

(BAJAJHFL)

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Neutral 62 (OpenAI - 4o)
Rating:62Neutral
Price Target:
₹120.00
▲(8.65% Upside)
Bajaj Housing Finance Ltd. scores moderately due to strong financial performance, despite high leverage and negative cash flows. Technical indicators suggest a neutral to slightly bearish trend, and the stock's high P/E ratio indicates potential overvaluation. The absence of earnings call data and corporate events limits further insights.

Bajaj Housing Finance Ltd. (BAJAJHFL) vs. iShares MSCI India ETF (INDA)

Bajaj Housing Finance Ltd. Business Overview & Revenue Model

Company DescriptionBajaj 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 property for business or personal needs, as well as working capital for business expansion purposes. In addition, it offers finance to developers engaged in the construction of residential and commercial properties, as well as lease rental discounting to developers and high-net-worth individuals. The company was formerly known as Bajaj Financial Solutions Limited and changed its name to Bajaj Housing Finance Limited in November 2014. The company was incorporated in 2008 and is based in Pune, India. Bajaj Housing Finance Limited operates as a subsidiary of Bajaj Finance Limited.
How the Company Makes MoneyBajaj 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. However, high leverage and persistent negative cash flow pose risks, requiring strategic financial management to maintain liquidity and minimize debt-related risks.
Income Statement
85
Very Positive
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
70
Positive
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
60
Neutral
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.
BreakdownTTMDec 2025Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue93.47B95.28B73.29B54.81B36.88B
Gross Profit44.11B27.67B22.11B18.69B12.16B
EBITDA43.16B27.27B22.04B17.36B9.88B
Net Income21.63B21.63B17.31B12.58B7.10B
Balance Sheet
Total Assets1.03T1.03T818.27B646.54B485.27B
Cash, Cash Equivalents and Short-Term Investments617.80M617.80M15.64B21.69B17.22B
Total Debt820.34B820.34B691.29B537.45B414.92B
Total Liabilities828.62B828.62B695.94B541.51B417.86B
Stockholders Equity199.47B199.47B122.33B105.03B67.41B
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-7.98B2.73B-6.11B21.97B
Financing Cash Flow107.66B178.70B151.25B146.30B102.28B

Bajaj Housing Finance Ltd. Technical Analysis

Technical Analysis Sentiment
Negative
Last Price110.45
Price Trends
50DMA
114.17
Negative
100DMA
118.18
Negative
200DMA
119.08
Negative
Market Momentum
MACD
-0.56
Positive
RSI
36.66
Neutral
STOCH
5.09
Positive
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 110.45 is below the 20-day moving average (MA) of 112.88, below the 50-day MA of 114.17, and below the 200-day MA of 119.08, indicating a bearish trend. The MACD of -0.56 indicates Positive momentum. The RSI at 36.66 is Neutral, neither overbought nor oversold. The STOCH value of 5.09 is Positive, 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
70
Outperform
225.33B11.5911.48%0.58%10.58%27.73%
62
Neutral
₹920.31B40.01
61
Neutral
122.09B27.5415.15%0.31%33.53%21.56%
59
Neutral
310.87B5.7214.97%1.77%4.57%15.87%
54
Neutral
124.68B21.2213.17%
54
Neutral
157.30B19.9017.40%1.43%28.39%24.27%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
IN:BAJAJHFL
Bajaj Housing Finance Ltd.
110.45
-43.62
-28.31%
IN:AAVAS
Aavas Financiers Ltd.
1,574.95
-240.85
-13.26%
IN:APTUS
Aptus Value Housing Finance India Limited
314.20
-37.94
-10.77%
IN:HOMEFIRST
Home First Finance Company India Ltd.
1,178.95
-5.97
-0.50%
IN:LICHSGFIN
LIC Housing Finance Ltd
565.15
-85.79
-13.18%
IN:PNBHOUSING
PNB Housing Finance Limited
864.95
-112.27
-11.49%
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.Date of analysis: Sep 23, 2025