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Bajaj Housing Finance Ltd.
(BAJAJHFL)
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Rating:61Neutral
Price Target:
₹92.00
▼(-15.67% Downside)
Action:Reiterated
Date:08/04/26
The score is driven primarily by solid earnings performance and margins, tempered by historically weak/volatile cash flow and a leveraged balance sheet with some latest-year metric inconsistencies. Technical signals are neutral with slightly soft momentum, and valuation (P/E ~26.6, no dividend yield data) does not provide a strong discount to offset those risks.
Positive Factors
Revenue Scaling
Sustained multi-year revenue growth reflects durable demand for the firm's core mortgage products and successful origination scale. Consistent top-line expansion supports operating leverage, diversified loan mix, and the capacity to absorb credit costs while funding growth over the next several quarters.
Negative Factors
Volatile Cash Flow History
A multi-year pattern of deep negative operating and free cash flows undermines predictability of funding needs and raises reliance on external borrowings. Such volatility can strain liquidity during tightening cycles and makes future capital planning and stress-testing less reliable despite the 2026 rebound.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Scaling
Sustained multi-year revenue growth reflects durable demand for the firm's core mortgage products and successful origination scale. Consistent top-line expansion supports operating leverage, diversified loan mix, and the capacity to absorb credit costs while funding growth over the next several quarters.
Read all positive factors
Bajaj Housing Finance Ltd. (BAJAJHFL) vs. iShares MSCI India ETF (INDA)
Market Cap
₹701.25B
Dividend YieldN/A
Average Volume (3M)333.94K
Price to Earnings (P/E)26.0
Beta (1Y)1.24
Revenue Growth16.23%
EPS Growth17.11%
CountryIN
Employees2,372
SectorGeneral
Sector StrengthN/A
IndustryFinancial - Mortgages
Share Statistics
EPS (TTM)3.23
Shares Outstanding8,332,335,000
10 Day Avg. Volume371,067
30 Day Avg. Volume333,935
Financial Highlights & Ratios
PEG Ratio1.59
Price to Book (P/B)2.71
Price to Sales (P/S)5.47
P/FCF Ratio14.19
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₹109.00Price Target Upside-0.09% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)3.57
Revenue Forecast (FY)₹50.23B
Bajaj Housing Finance Ltd. Business Overview & Revenue Model
Company Description
Bajaj Housing Finance Limited is an Indian financial institution specializing in various lending solutions for the real estate sector. The company provides funding to both individual clients and corporate entities looking to acquire or renovate re...
How the Company Makes Money
Bajaj Housing Finance primarily makes money through net interest income (NII) generated on its lending portfolio: it raises funds (e.g., via market borrowings and other debt funding sources) and lends these funds as mortgages and other secured loa...
Bajaj Housing Finance Ltd. Financial Statement Overview
Summary
Income Statement
82
Very Positive
Balance Sheet
64
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Mar 2026 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 116.16B | 111.50B | 91.79B | 73.29B | 54.81B | 36.88B |
| Gross Profit | 43.57B | 42.83B | 27.67B | 22.11B | 18.69B | 12.16B |
| EBITDA | 36.39B | 33.67B | 28.15B | 22.04B | 17.36B | 9.88B |
| Net Income | 26.92B | 25.60B | 21.63B | 17.31B | 12.58B | 7.10B |
Balance Sheet | ||||||
| Total Assets | 0.00 | 1.27T | 1.03T | 818.27B | 646.54B | 485.27B |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 1.66B | 14.17B | 15.64B | 21.69B | 17.22B |
| Total Debt | 0.00 | 1.04T | 821.23B | 691.29B | 537.45B | 414.92B |
| Total Liabilities | -225.23B | 1.05T | 828.62B | 695.94B | 541.51B | 417.86B |
| Stockholders Equity | 225.23B | 225.23B | 199.47B | 122.33B | 105.03B | 67.41B |
Cash Flow | ||||||
| Free Cash Flow | -118.71B | 42.95B | -171.16B | -154.71B | -143.66B | -125.10B |
| Operating Cash Flow | -118.58B | 43.26B | -170.75B | -154.28B | -143.32B | -124.81B |
| Investing Cash Flow | 1.73B | -254.19B | -7.98B | 2.73B | -6.11B | 21.97B |
| Financing Cash Flow | 117.60B | 211.97B | 178.70B | 151.25B | 146.30B | 102.28B |
Bajaj Housing Finance Ltd. Technical Analysis
Positive
109.10
Price Trends
85.44
Negative
85.75
Negative
88.04
Negative
Market Momentum
-0.47
Negative
48.59
Neutral
54.95
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For IN:BAJAJHFL, the sentiment is Positive. The current price of 109.1 is above the 20-day moving average (MA) of 84.07, above the 50-day MA of 85.44, and above the 200-day MA of 88.04, indicating a neutral trend. The MACD of -0.47 indicates Negative momentum. The RSI at 48.59 is Neutral, neither overbought nor oversold. The STOCH value of 54.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for IN:BAJAJHFL.
Bajaj Housing Finance Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | ₹309.44B | 5.40 | ― | 1.78% | 0.23% | 4.34% | |
67 Neutral | ₹306.44B | 13.27 | ― | 0.68% | 10.71% | 13.39% | |
65 Neutral | ₹123.87B | 21.17 | ― | 0.44% | 21.42% | 25.43% | |
64 Neutral | ₹101.11B | 14.70 | ― | ― | 13.18% | 16.88% | |
61 Neutral | ₹701.25B | 26.04 | ― | ― | 16.23% | 17.11% | |
58 Neutral | ₹199.98B | 17.38 | ― | ― | 18.04% | 19.18% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
IN:BAJAJHFL
Bajaj Housing Finance Ltd.
84.16
-29.19
-25.75%
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1,184.65
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IN:LICHSGFIN
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562.55
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0.38%
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346.07
41.75%
Bajaj Housing Finance Ltd. Corporate Events
Bajaj Housing Finance Publishes AGM and E-Voting Notice for July 2026 Meet
Jul 5, 2026
Bajaj Housing Finance Ltd. has notified stock exchanges that it has published newspaper advertisements in Financial Express and Kesari regarding its 18th Annual General Meeting, scheduled for 29 July 2026, which will be held via video conferencing...
Bajaj Housing Finance Calls 18th AGM, Seeks Nod for Fresh NCD Issuance
Jul 4, 2026
Bajaj Housing Finance Limited has released its annual report for FY2026 and issued notice for its 18th Annual General Meeting, which will be held on 29 July 2026 via video conferencing. The company is circulating AGM and report access details to s...
Bajaj Housing Finance files assured sustainability report for FY2026
Jul 4, 2026
Bajaj Housing Finance Limited has released its Business Responsibility and Sustainability Report for the financial year 2025-26, prepared on a standalone basis and forming part of its annual report. The report, which covers the company’s ESG...
Bajaj Housing Finance Raises Rs 2,500 Crore via Secured NCD Issue
Jul 1, 2026
Bajaj Housing Finance Ltd. has raised Rs. 2,500.8458 crore through a private placement of 2,50,000 secured, redeemable non-convertible debentures, each with a face value of Rs. 1,00,000. The debentures carry a coupon of 7.64% per annum, have a ten...
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.