Bajaj Holdings & Investment Limited. (BAJAJHLDNG) AI Stock Analysis

• Market Cap: ₹1.41T
• Dividend Yield: 0.76%
• Average Volume (3M): 7.17K
• Price to Earnings (P/E): 16.8
• Beta (1Y): 1.03
• Revenue Growth: -41.40%
• EPS Growth: 12.52%
• Country: IN
• Employees: 19
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 313.27
• Shares Outstanding: 111,293,510
• 10 Day Avg. Volume: 3,540
• 30 Day Avg. Volume: 7,167
• PEG Ratio: -1.98
• Price to Book (P/B): 2.11
• Price to Sales (P/S): 181.79
• P/FCF Ratio: -67.78
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 64 Neutral
• Price Target: ₹13,503.00 ▲(9.71% Upside)

The overall stock score of 64 reflects a mixed financial performance with strong profitability but significant revenue and cash flow challenges. Technical analysis indicates a neutral trend, while valuation metrics suggest the stock is fairly valued. The absence of earnings call and corporate events data limits the analysis to these core components.

Bajaj Holdings & Investment Limited. Business Overview & Revenue Model

Company Description

Bajaj Holdings & Investment Limited (BAJAJHLDNG) is an Indian company primarily engaged in investment activities and the management of its investments across various sectors. The company is a part of the Bajaj Group and focuses on holding long-term investments in diverse industries, particularly in financial services, automotive, and consumer goods. Its core operations involve managing a portfolio of equity and debt securities, along with dividends and interest income from its investments.

How the Company Makes Money

Bajaj Holdings & Investment Limited generates revenue mainly through its investment portfolio. The company's primary sources of income include capital gains from the sale of securities, dividends received from its equity holdings, and interest income from its debt instruments. Additionally, the company benefits from its strategic investments in subsidiaries and joint ventures, particularly in the financial services sector, which can provide significant returns. Partnerships with various firms and collaborations within the Bajaj Group also contribute to its earnings, enhancing its overall revenue stream. The management of its investments, focusing on high-growth sectors, enables the company to leverage market opportunities for sustained profitability.

Bajaj Holdings & Investment Limited. Financial Statement Overview

Summary

Bajaj Holdings & Investment Limited shows strong profitability margins despite a steep revenue decline. The balance sheet is robust with low leverage and high equity, indicating financial stability. However, negative operating and free cash flow raise concerns about liquidity and cash generation capabilities.

Income Statement

Bajaj Holdings & Investment Limited's income statement shows a significant decline in revenue over the past year, with a 51.5% decrease from the previous period. However, the company has managed to maintain a strong gross profit margin of 95.6% for the latest fiscal year, indicating efficient cost management. Despite the revenue drop, the net profit margin remains robust at 784.2%, primarily due to a high net income figure relative to the significantly reduced revenue. EBIT and EBITDA margins are also strong, at 74.3% and 78.3% respectively, highlighting consistent operating efficiency. The key concern remains the sharp decline in revenue, which poses a risk to future profitability if not addressed.

Balance Sheet

The company's balance sheet is quite strong, with a debt-to-equity ratio of 0.05, indicating low leverage and conservative financial management. The equity ratio stands at 83.3%, reflecting a solid capital structure with significant equity backing. Return on equity is impressive at 10.4%, showcasing effective use of shareholder capital. Overall, the balance sheet reflects financial stability and low risk, with substantial assets and minimal liabilities, providing a strong foundation for future growth.

Cash Flow

Cash flow analysis reveals some challenges, as operating cash flow has turned negative, resulting in a negative free cash flow for the latest period. The free cash flow growth rate has significantly declined, raising concerns about cash generation capabilities. The operating cash flow to net income ratio has deteriorated, indicating potential issues in converting income to cash. While past periods showed positive free cash flow, the current trajectory suggests a need for strategic adjustments to improve cash flow management.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	44.36B	7.29B	17.13B	5.14B	4.73B	4.58B
Gross Profit	44.10B	6.92B	16.97B	4.71B	4.32B	4.45B
EBITDA	41.49B	6.52B	15.84B	3.94B	3.78B	3.65B
Net Income	83.97B	65.21B	72.67B	48.51B	40.56B	36.50B
Balance Sheet
Total Assets	0.00	752.66B	651.61B	531.88B	535.88B	454.90B
Cash, Cash Equivalents and Short-Term Investments	68.85B	998.90M	397.80M	258.30M	219.30M	832.60M
Total Debt	0.00	309.90M	625.70M	927.90M	1.14B	1.36B
Total Liabilities	-726.69B	25.97B	21.90B	16.25B	20.07B	13.72B
Stockholders Equity	726.69B	626.88B	542.48B	441.83B	428.42B	371.67B
Cash Flow
Free Cash Flow	0.00	-19.56B	19.41B	17.26B	16.08B	2.71B
Operating Cash Flow	0.00	-19.55B	19.41B	17.28B	16.10B	2.72B
Investing Cash Flow	0.00	30.54B	-4.72B	-1.37B	-1.51B	-3.08B
Financing Cash Flow	0.00	-10.55B	-14.55B	-15.87B	-14.60B	-366.40M

Bajaj Holdings & Investment Limited. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 12307.35
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BAJAJHLDNG, the sentiment is Negative. The current price of 12307.35 is below the 20-day moving average (MA) of 12413.38, below the 50-day MA of 12761.90, and below the 200-day MA of 12619.46, indicating a bearish trend. The MACD of -28.68 indicates Negative momentum. The RSI at 42.27 is Neutral, neither overbought nor oversold. The STOCH value of 17.57 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for IN:BAJAJHLDNG.

Bajaj Holdings & Investment Limited. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BAJAJHLDNG	―	₹1.41T	16.77	―	0.76%	-41.40%	12.52%
PILANIINVS	―	₹64.24B	100.80	―	0.28%	0.57%	-64.33%

Bajaj Holdings & Investment Limited. Corporate Events

Bajaj Holdings Announces Interim Dividend and TDS Details

Bajaj Holdings & Investment Limited announced an interim dividend of ₹65 per equity share for the financial year ending March 2026. The company communicated to shareholders about the tax deduction at source (TDS) on this dividend, outlining the necessary documentation and processes for claiming exemptions. This announcement reflects the company’s ongoing commitment to providing returns to its shareholders while ensuring compliance with tax regulations.

Bajaj Holdings & Investment Limited Conducts 80th AGM with Key Updates

Bajaj Holdings & Investment Limited held its 80th Annual General Meeting on August 6, 2025, chaired by Shri Shekhar Bajaj. The meeting included a live webcast for members and addressed key updates, including the resignation of the Company Secretary and the passing of Shri Madhur Bajaj. The company provided e-voting facilities for resolutions and highlighted its performance for the quarter ended June 30, 2025. The absence of adverse remarks in the financial and audit reports was noted, and no proxies were received.