BAJAJHFL

Bajaj Housing Finance Ltd.

NSE: BAJAJHFL

BSE: 544252

Sector: Financial Services

Industry Group: Finance

Industry: Housing Finance Company

91.10+2.5 (+2.76%)

3 Jul, 1:59 PM

Overview

Analysis Statements Technicals Forecast Peers Resources News

Stock Scores

Quality Score

31.3 / 100

Value Score

43.5 / 100

Price Momentum Score

36.3 / 100

QVM Score

23.1 / 100

Key Metrics

Market Cap

73866.10

P/E (TTM)

28.85

P/B

3.28

P/S (TTM)

6.63

EV/EBITDA

49.58

CAPE (5Y)

39.38

ROE (TTM)

12.06

ROCE (TTM)

3.09

ROA (TTM)

2.23

Avg 3Y ROE

13.58

Earnings 3Y CAGR

17.82

Sales 3Y CAGR

25.37

Sales 5Y CAGR

28.70

Debt/Equity

4.60

Consensus TP

100.00

Strong Buy %

7.69

Promoter Holding

86.70

Pledged %

0.00

Stock Analysis

Fundamental analysis overview of Bajaj Housing Finance Ltd. covering key investment insights, growth drivers, risk factors, and potential red flags.

Views

Red Flags

Positive

Analysts have been raising forward EPS estimates

Analyst EPS estimate (consensus) for forward EPS has increased by 0.06% in the last 3 months, indicating earnings momentum

What is Earnings upgrade (3M)?

Not enough data

High and improving operating margin

The company reported strong operating margin of 31.62% for 12-month ended 31 Mar 2026 and operating margin improved by 175 bps from 1 year ago

What is Operating profit margin?

Moderate revenue growth and above median growth of industry

The company delivered moderate revenue growth of 16.42% for 12-month ended 31 Mar 2026 and the growth was 3.95 percentage points higher than median growth of industry

What is Sales growth (1Y)?

Median: 12.47

Value 16.42

-31.2666.22

Negative

High and increasing Debt to Equity

The company has high Debt to Equity of 4.6 as on 31 Mar 2026 and Debt to Equity increased by 0.48 in the last 1 year

What is Debt to Equity?

Low dividend yield

The company has a low dividend yield of 0.0%

What is Dividend yield?

Neutral

Reasonably valued but PB is at a premium to industry median P/B

PB of 3.28 indicates that the stock is reasonably valued on a standalone basis but is at a 103.73% premium to industry median P/B

What is P/B Ratio?

Median: 1.61

Value 3.28

0.3912.29

Moderate and stable ROE

The company reported moderate ROE of 12.06% for 12-month ended 31 Mar 2026 and ROE declined marginally by -137 bps from 1 year ago

What is ROE (FY)?

Moderate EPS growth and in line with median growth of industry

The company delivered moderate EPS growth of 14.95% for 12-month ended 31 Mar 2026 and the growth was 0.82 percentage points higher than median growth of industry

What is EPS growth (1Y)?

Financial Snapshot

See detailed analysis

Multi-year trends for Bajaj Housing Finance Ltd. covering revenue, net profit, ROE, and EBITDA for a quick view of financial health over time.

Net Revenue FY

Profit After Tax FY

ROE FY

ROA FY

Bajaj Housing Finance Ltd. Shareholding Pattern

Quarterly breakdown of Bajaj Housing Finance Ltd. ownership including promoter, FII, DII, mutual fund, and public holdings as disclosed to NSE/BSE.

	Mar 2013	Mar 2014	Mar 2015	Mar 2016	Jul 2017	Jul 2018	Jul 2019	Mar 2020	Mar 2021	Mar 2022	Mar 2023	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026
Total Promoter	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	88.75	88.75	88.75	88.70	88.70	86.70	86.70
Indian Promoter	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	88.75	88.75	88.75	88.70	88.70	86.70	86.70
Foreign Promoter	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-
Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	3.62	1.93	1.84	1.64	1.45	2.33	2.16
Mutual Funds / UTI	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.36	0.47	0.45	0.32	0.33	0.63	0.35
FI/Bank/Insurance	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.32	0.30	0.25	0.25	0.19	0.45	0.52
Govt	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	-	-	-	-	-	-	-
FII	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	1.68	1.00	1.01	0.94	0.86	0.94	0.99
Other Institutions	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.26	0.16	0.13	0.12	0.07	0.31	0.31
Non-Institution	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	7.64	9.32	9.41	9.66	9.86	10.97	11.13
Bodies Corporate	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.36	0.36	0.41	0.51	0.51	0.56	0.57
Others (incl. Retail) No. of shareholders	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	0.00 0	7.28 23,08,028	8.96 26,43,646	9.00 26,03,387	9.15 25,08,237	9.35 24,43,174	10.41 24,26,108	10.56 23,61,798

Holdings and Presence

Indices and prominent investors with a stake in this stock.

Index Presence

#	Index	Weight	Rank
1	SHI: Housing Finance Company	15.09%	1 / 12
2	Nifty Midcap 150	0.23%	137 / 149
3	NIFTY Large Midcap 250	0.12%	219 / 250
4	Nifty 500	0.05%	287 / 499
5	Nifty Total Market	0.05%	311 / 749

Bulk, Block and Insider Trades

Recent bulk deals, block deals, and insider trading activity in Bajaj Housing Finance Ltd. shares as reported to NSE and BSE.

Name	Month	Transaction	Holding % pre transaction	Average price	Qty.	Transaction value
Bajaj Finance Limited Promoter	December-2025	Market Sale (Disposal) 4th Dec 2025	88.70 %	₹ 95.16	16.66 cr	₹ 1585.44 cr
Amit Sharma Designated Person	September-2025	Market Sale (Disposal) 17th Sep 2025	0.00 %	₹ 116.00	7.06 k	₹ 8.19 lac
Seema Rani Immediate Relative	September-2025	Market Sale (Disposal) 17th Sep 2025	0.00 %	₹ 114.65	3.00 k	₹ 3.43 lac
ALANKRIT ATAL Employees Immediate Relative	October-2024	Market Sale (Disposal) 4th Oct 2024	0.00 %	₹ 164.41	7.00 k	₹ 11.51 lac

No corporate action data available.

Company Profile

Overview of Bajaj Housing Finance Ltd. covering business description, industry classification, key management, financial ratios, and listed exchange details.

Bajaj Housing Finance Limited is an India-based non-deposit-taking housing finance company. The Company offers a range of products, such as home loan, home loan balance transfer, loans against property (LAP), lease rental discounting, and developer finance. It offers finance to individuals as well a...

Key personnel

Mr. Gaurav Kalani

Chief Financial Officer

Ms. Ajita Ashok Kakade

Chief Credit, Operating and Human Resources Officer

Mr. Anurag Jain

Chief Technology Officer, Chief Information Officer

Mr. Amit Yadav

Chief Compliance Officer

Mr. Niraj Adiani

Chief Risk Officer

Mr. Vijay Solanki

Treasurer

Mr. Vipin Arora

Group Business Head - Commercial Real Estate and Loan Against Property

Mr. Gaurav Pruthi

Chief Collections Officer

View all

Incorporated on

13 Jun 2008

Last Annual

31 Mar 2026

Last Interim

No. of Employees

IPO date

16 Sep 2024

Free Float

1,10,42,42,161

Website

https://www.bajajhousingfinance.in/about-us

Phone no.

+912071878060

Address

5th Floor, B2 Building, Cerebrum IT Park, Kumar City, Kalyani Nagar, PUNE, 411014, India

Frequently Asked Questions

What is the current share price of Bajaj Housing Finance Ltd.?

The current share price of Bajaj Housing Finance Ltd. is ₹ 91.10 as of 3 Jul 2026.

What is the market capitalisation of Bajaj Housing Finance Ltd.?

The market capitalisation of Bajaj Housing Finance Ltd. stands at ₹ 73,866.10 Cr.

What is the PE ratio of Bajaj Housing Finance Ltd.?

The Price-to-Earnings (PE) ratio of Bajaj Housing Finance Ltd. is 28.85 as of the latest trailing twelve months data.

What is the ROE and ROCE of Bajaj Housing Finance Ltd.?

Bajaj Housing Finance Ltd. has a Return on Equity (ROE) of 12.06% and a Return on Capital Employed (ROCE) of 3.09% as per the latest financial reports.

What is the 52-week high and low of Bajaj Housing Finance Ltd.?

The 52-week high of Bajaj Housing Finance Ltd. is - and the 52-week low is -.

What is the dividend yield of Bajaj Housing Finance Ltd.?

The dividend yield of Bajaj Housing Finance Ltd. is 0.00% based on the current market price.

What is the FII and DII holding in Bajaj Housing Finance Ltd.?

Foreign Institutional Investors (FII) hold 0.99%, Domestic Institutional Investors (DII) hold 0.87% and retail/public investors hold 10.56% of Bajaj Housing Finance Ltd. shares.

What sector does Bajaj Housing Finance Ltd. belong to?

Bajaj Housing Finance Ltd. operates in the Financial Services sector. 38.46% of analysts have a Buy or Strong Buy rating on Bajaj Housing Finance Ltd. with a consensus target price of ₹ 100.00, implying 12.8% upside from current levels.

What is the beta of Bajaj Housing Finance Ltd.?

The beta of Bajaj Housing Finance Ltd. is 0.91, indicating its price volatility relative to the broader market. Over the past 1 year, Bajaj Housing Finance Ltd. has delivered an absolute return of -26.50%.

What is the RSI of Bajaj Housing Finance Ltd.?

The 14-day Relative Strength Index (RSI) of Bajaj Housing Finance Ltd. is 60.60, placing it approaching overbought territory. An RSI above 70 is considered overbought and below 30 is considered oversold.

Bajaj Housing Finance Ltd.

Stock Scores

Key Metrics

Share Price

Stock Analysis

Financial Snapshot

Bajaj Housing Finance Ltd. Shareholding Pattern

Holdings and Presence

Bulk, Block and Insider Trades

Company Profile

Frequently Asked Questions

Stock Analysis

Holdings and Presence

Company Profile