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

• Market Cap: ₹1.20T
• Dividend Yield: 0.82%
• Average Volume (3M): 7.17K
• Price to Earnings (P/E): 14.0
• Beta (1Y): 1.00
• Revenue Growth: -36.61%
• EPS Growth: 15.01%
• Country: IN
• Employees: 19
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 140.08
• 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: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 59 Neutral
• Price Target: ₹11,752.00 ▲(4.30% Upside)

The overall stock score is primarily influenced by mixed financial performance and bearish technical indicators. While the company maintains strong profitability margins and a robust balance sheet, liquidity concerns due to negative cash flow are significant. Technical analysis indicates bearish momentum, suggesting caution. The valuation is reasonable, providing some stability in the investment outlook.

Positive Factors

Balance Sheet Strength

The company's low leverage and high equity ratio reflect conservative financial management, providing a strong foundation for future growth.

Profitability Margins

Strong profitability margins indicate efficient cost management and effective use of resources, supporting long-term financial health.

Equity Backing

A high equity ratio provides financial stability and reduces risk, ensuring the company can withstand economic fluctuations.

Negative Factors

Revenue Decline

A sharp decline in revenue poses a risk to future profitability and growth, necessitating strategic adjustments to reverse the trend.

Negative Cash Flow

Negative cash flow challenges the company's ability to fund operations and investments, potentially impacting long-term sustainability.

Cash Generation Concerns

Declining cash flow growth raises concerns about the company's ability to generate sufficient cash, affecting its financial flexibility and investment capacity.

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 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 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 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	89.42B	68.77B	76.67B	51.90B	43.76B	39.05B
Gross Profit	89.40B	68.75B	76.65B	51.83B	43.73B	39.02B
EBITDA	88.67B	67.82B	75.26B	50.45B	42.60B	37.99B
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: 11267.30
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 11267.3 is above the 20-day moving average (MA) of 11112.46, below the 50-day MA of 11421.76, and below the 200-day MA of 12614.48, indicating a bearish trend. The MACD of -144.46 indicates Positive momentum. The RSI at 36.83 is Neutral, neither overbought nor oversold. The STOCH value of 10.34 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 *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PILANIINVS	63 Neutral	₹53.89B	186.02	―	0.29%	-8.75%	-85.31%
SILINV	63 Neutral	₹4.99B	12.94	―	0.49%	―	―
BFINVEST	62 Neutral	₹14.99B	18.27	―	―	―	―
BAJAJHLDNG	59 Neutral	₹1.20T	14.04	―	0.82%	-36.61%	15.01%
KICL	57 Neutral	₹21.04B	47.12	―	―	―	―
NSIL	54 Neutral	₹31.60B	131.27	―	―	―	―

Bajaj Holdings & Investment Limited. Corporate Events

Bajaj Holdings Releases Half Yearly Financial Report for FY2025-26

Bajaj Holdings & Investment Limited has submitted its Half Yearly Report for FY2025-26, detailing the company’s financial performance for the half year ending September 30, 2025. This report, in compliance with SEBI regulations, has been shared with shareholders electronically and is available on the company’s website. This submission reflects the company’s commitment to transparency and regulatory compliance, potentially impacting its market perception and stakeholder confidence.