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Bajaj Housing Finance

BAJAJHFL
Large Cap
(%) 1D
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1D1W1M3M6M1YMAX

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Bajaj Housing Finance Share price and Fundamental Analysis

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Bajaj Housing Finance Limited was originally incorporated as Bajaj Financial Solutions Limited' at Pune, Maharashtra as a Public Limited Company, pursuant to a Certificate of Incorporation dated June 13, 2008, issued by the Registrar of Companies, Maharashtra at Pune and was granted its Certificate for Commencement of Business on September 24, 2008 by the RoC. Thereafter, the Company name was changed to Bajaj Housing Finance Limited' vide fresh Certificate of Incorporation dated November 14, 2014 issued by the Assistant Registrar of Companies, Pune. It got registered with National Housing Bank (NHB) as a non deposit taking Housing Finance Company vide certificate no 09.0127.15 on 24 September 2015.
Company Incorporation2008
ChairmanSanjiv Bajaj
Head QuartersNA
Previous NameNA

Key Metrics

Market Cap (Cr)
97,779
PE Ratio
45.13
Industry P/E
15.95
PEG Ratio
0
ROE
10.84%
ROCE
8.57%
ROA
2.1%
Total Debt (Cr)
Debt to Equity
Dividend Yield
0%
EPS
2.6
Book Value & P/B
23.94 x 4.9
Face Value
10
Outstanding Shares(Cr)
833.23
Current Ratio
EV to Sales
18.96

Included In

+More

Stock Returns

1 Week-4.4%
1 Month-5.67%
6 Months-10.48%
1 Year-28.98%
3 Years-28.98%
5 Years-28.98%

CAGR

1 Year CAGR

Revenue Growth

+34.47%

Net Profit Growth

+37.64%

Financing Profit Growth

+22.73%

Dividend Growth

N/A

Stock Returns CAGR

-28.98%
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Smart Score

2.2
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Corporate Action

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Financials

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Auditor Report
Mar 25

Promoters : 88.75%

FIIs : 1.12%

DIIs : 0.72%

Public : 9.41%

Promoter
FII/FPI
DII
Public
Promoter Pledge stands at 0.0% of holding in March 2025 Qtr
FII Shareholding Increased by 0.01% to 1.12% in March 2025 Qtr
DII Shareholding Decreased by 0.1% to 0.72% in March 2025 Qtr

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Key Ratios

Profitability
Valuation
Liquidity

ROE

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ROCE

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ROA

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NPM

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Dividend History

Bajaj Housing Finance Competitors

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5 Year FactSheet

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Bajaj Housing Finance Management and History

Company Management

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Company History

Bajaj Housing Finance Limited was originally incorporated as Bajaj Financial Solutions Limited' at Pune, Maharashtra as a Public Limited Company, pursuant to a Certificate of Incorporation dated June 13, 2008, issued by the Registrar of Companies, Maharashtra at Pune and was granted its Certificate for Commencement of Business on September 24, 2008 by the RoC. Thereafter, the Company name was changed to Bajaj Housing Finance Limited' vide fresh Certificate of Incorporation dated November 14, 2014 issued by the Assistant Registrar of Companies, Pune. It got registered with National Housing Bank (NHB) as a non deposit taking Housing Finance Company vide certificate no 09.0127.15 on 24 September 2015.

The Company started lending operations with a focus on salaried home loans in FY 2018. In 2021, it began offering repo rate-linked home loans; began intermediary sourcing for retail products. The Company has a diversified lending model and focuses on five broad categories viz: home loans, loan against property, lease rental discounting, developer financing, and unsecured loans.

Since September, 2022, it has been classified as NBFC- UL (upper layer) by RBI as part of its 'Scale Based Regulation'. In 2024, the Company expanded its operations to focus on self-employed home loans.

The Company is planning to raise capital from public aggregating upto Rs 7000 Crores comprising Rs 4000 Crore Equity Shares through Fresh Issue and Rs 3000 Crores Equity Shares through Offer for Sale through Public Issue.

Bajaj Housing Finance Share Price

Bajaj Housing Finance share price reflects investor sentiment toward the company and is impacted by various factors such as financial performance, market trends, and economic conditions. Share price is an indicator which shows the current value of the company's shares at which buyers or sellers can transact.

Bajaj Housing Finance Market Cap

Market capitalization of Bajaj Housing Finance indicates the total value of its outstanding shares. Marketcap is calculated by multiplying share price and outstanding shares of the company. It is a helpful metric for assessing the company's size and market Valuation. It also helps investors understand how Bajaj Housing Finance is valued compared to its competitors.

Bajaj Housing Finance PE Ratio

Bajaj Housing Finance PE ratio helps investors understand what is the market value of each stock compared to Bajaj Housing Finance 's earnings. A PE ratio higher than the average industry PE could indicate an overvaluation of the stock, whereas a lower PE compared to the average industry PE could indicate an undervaluation.

Bajaj Housing Finance PEG Ratio

The PEG ratio of Bajaj Housing Finance evaluates its PE ratio in relation to its growth rate. A PEG ratio of 1 indicates a fair value, a PEG ratio of less than 1 indicates undervaluation, and a PEG ratio of more than 1 indicates overvaluation.

Bajaj Housing Finance ROE (Return on Equity)

Return on Equity (ROE) measures how effectively Bajaj Housing Finance generates profit from shareholders' equity. A higher ROE of more than 20% indicates better financial performance in terms of profitability.

Bajaj Housing Finance ROCE (Return on Capital Employed)

Return on Capital Employed (ROCE) evaluates the profitability of Bajaj Housing Finance in relation to its capital employed. In simple terms, ROCE provides insight to investors as to how well the company is utilizing the capital deployed. A high ROCE of more than 20% shows that the business is making profitable use of its capital.

Bajaj Housing Finance Total Debt

Total debt of Bajaj Housing Finance shows how much the company owes to either banks or individual creditors. In simple terms, this is the amount the company has to repay. Total debt can be a very useful metric to show the financial health of the company. Total debt more than equity is considered to be a bad sign.

Bajaj Housing Finance Debt to Equity Ratio

The Debt-to-Equity (DE) ratio of Bajaj Housing Finance compares its total debt to shareholders' equity. A higher Debt to Equity ratio could indicate higher financial risk, while a lower ratio suggests that the company is managing its debt efficiently.

Bajaj Housing Finance CAGR (Compound Annual Growth Rate)

CAGR shows the consistent growth rate of Bajaj Housing Finance over a specific period, whether it is over a month, a year, or 10 years. It is a key metric to evaluate the company’s long-term growth potential. Main metrics for which CAGR is calculated are net sales, net profit, operating profit, and stock returns.

Bajaj Housing Finance Technical Analysis

Technical analysis of Bajaj Housing Finance helps investors get an insight into when they can enter or exit the stock. Key components of Bajaj Housing Finance Technical Analysis include:

Support Levels (S1, S2, S3)

There are usually multiple support levels, but the main support levels for a stock are S1, S2, S3. Support levels indicate price points where stock might get support from buyers, helping the stock stop falling and rise.

Resistance Levels (R1, R2, R3)

There are usually multiple resistance levels, but the main resistance levels for a stock are R1, R2, R3. Resistance levels represent price points where Bajaj Housing Finance shares often struggle to rise above due to selling pressure.

Bajaj Housing Finance Dividends

Dividends refer to the portion of the company’s profits distributed to its shareholders. Dividends are typically paid out in cash and reflect Bajaj Housing Finance ’s financial health and profitability.

Bajaj Housing Finance Bonus Shares

Bonus shares are usually given by companies to make the stock more affordable, increase liquidity, boost investor confidence, and more.

Bajaj Housing Finance Stock Split

Stock split increases the number of its outstanding shares by dividing each existing share into multiple shares. When the company offers a stock split, the face value of the stock reduces in the same proportion as the split ratio.

Bajaj Housing Finance Financials

The financials of Bajaj Housing Finance provide a complete view to investors about its net sales, net profit, operating profits, expenses, and overall financial health. Investors can analyze financial data to assess the company’s stability and also understand how the company has been growing financially.

Bajaj Housing Finance Profit and Loss Statements

The profit and loss statement of Bajaj Housing Finance highlights its net sales, net profit, total expenditure, and operating profits in the current financial year. This Profit and Loss statement is crucial for evaluating the profitability and financial stability of Bajaj Housing Finance .

Bajaj Housing Finance Balance Sheet

The balance sheet presents a snapshot of Bajaj Housing Finance ’s assets, liabilities, and equity of shareholders, providing insights into the financials of the company.

Bajaj Housing Finance Cashflow Statements

Cashflow statements track the company's cash inflows and outflows over a period. It is an essential tool for understanding how well the company manages its liquidity and finances.

Bajaj Housing Finance Net Interest Margin (NIM)

Bajaj Housing Finance Net Interest Margin (NIM) tells about the profitability earned by all NBFCs and financial institutions. It represents the income generated by the bank from the difference between the interest earned on loans and the interest paid on public deposits. Net Interest Margin (NIM) is a metric that monitors the profitability generated from a bank's lending activities.

Bajaj Housing Finance Non-Performing Assets (NPA) Ratio

Non-Performing Assets (NPA) indicate the ratio of a bank's loans that are classified as non-performing. A lower NPA ratio reflects stronger asset quality and more effective risk management.

Bajaj Housing Finance Capital Adequacy Ratio (CAR)

Capital Adequacy Ratio (CAR) is a metric to measure the bank's ability to absorb losses and still remain financially stable. A higher CAR shows that the bank is financially sound and can absorb potential losses.

Bajaj Housing Finance Gross NPA

Gross NPA is the percentage of total non-performing loans before provisioning, while net NPA is the percentage after provisioning. Lower gross and net NPA ratios indicate better loan quality.

Bajaj Housing Finance Net NPA Ratio

Net NPA is the actual losses a bank has incurred due to NPA accounts. Lower the NPA, better the banks can maintain stable income from interest on loans.

Bajaj Housing Finance CASA Ratio

CASA ratio tells how much of a bank's total deposits are in both current and savings accounts.

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