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

• Market Cap: ₹1.47T
• Dividend Yield: 0.71%
• Average Volume (3M): 2.80K
• Price to Earnings (P/E): 17.5
• Beta (1Y): 0.95
• 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: 1,520
• 30 Day Avg. Volume: 2,798
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: ₹14,022.00
• Price Target Upside: 3.70% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 63 Neutral
• Price Target: ₹14,022.00 ▲(3.70% Upside)

Bajaj Holdings & Investment Limited's overall stock score is primarily influenced by its mixed financial performance and technical analysis. The strong balance sheet and profitability margins are offset by concerns over revenue decline and negative cash flow. The technical indicators suggest a neutral to slightly bearish trend, while the valuation appears fair. The absence of earnings call and corporate events data limits further insights.

Bajaj Holdings & Investment Limited. Business Overview & Revenue Model

Company Description

Bajaj Holdings & Investment Limited operates as a non-banking financial institution-investment and credit company in India. It invests in listed and unlisted equities. The company was incorporated in 1945 and is based in Pune, India.

How the Company Makes Money

Bajaj Holdings & Investment Limited makes money through dividends and capital gains from its investments in group companies and other strategic assets. The company's key revenue streams are derived from its equity holdings in Bajaj Auto and Bajaj Finserv, which provide substantial dividend income. Additionally, the company benefits from any capital appreciation of its investments, contributing to its overall earnings. This strategic investment approach allows Bajaj Holdings & Investment Limited to generate steady cash flow while maintaining a strong financial position through prudent asset management.

Bajaj Holdings & Investment Limited. Financial Statement Overview

Summary

Bajaj Holdings & Investment Limited shows strong profitability margins despite a significant 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 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	34.83B	7.29B	17.13B	51.87B	43.73B	39.05B
Gross Profit	34.54B	6.92B	16.74B	51.71B	43.59B	38.91B
EBITDA	15.20B	6.52B	15.84B	3.62B	3.45B	3.25B
Net Income	75.11B	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	8.99B	998.90M	2.97B	3.20B	3.62B	4.59B
Total Debt	0.00	309.90M	625.70M	927.90M	1.14B	1.36B
Total Liabilities	-687.88B	25.97B	21.90B	16.25B	20.07B	13.72B
Stockholders Equity	687.88B	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: Positive
• Last Price: 13521.45
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BAJAJHLDNG, the sentiment is Positive. The current price of 13521.45 is above the 20-day moving average (MA) of 13130.93, below the 50-day MA of 13633.36, and above the 200-day MA of 12438.91, indicating a neutral trend. The MACD of -127.35 indicates Negative momentum. The RSI at 55.44 is Neutral, neither overbought nor oversold. The STOCH value of 86.89 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
PILANIINVS	65 Neutral	57.99B	93.60	0.62%	0.29%	0.57%	-64.33%
BAJAJHLDNG	63 Neutral	₹1.47T	17.50		0.71%	-41.40%	12.52%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Bajaj Holdings & Investment Limited. Corporate Events

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.