Finance
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Size: It is among the top 200 market size companies of india.
Technicals: Bullish SharesGuru indicator.
Profitability: Very strong Profitability. One year profit margin are 23%.
Momentum: Stock is suffering a negative price momentum. Stock is down -7.1% in last 30 days.
Dividend: Stock hasn't been paying any dividend.
Valuation | |
|---|---|
| Market Cap | 70.64 kCr |
| Price/Earnings (Trailing) | 28.55 |
| Price/Sales (Trailing) | 6.56 |
| EV/EBITDA | 7.22 |
| Price/Free Cashflow | -5.35 |
| MarketCap/EBT | 22.26 |
| Enterprise Value | 70.5 kCr |
Fundamentals | |
|---|---|
| Revenue (TTM) | 10.77 kCr |
| Rev. Growth (Yr) | 17.8% |
| Earnings (TTM) | 2.48 kCr |
| Earnings Growth (Yr) | 21.3% |
Profitability | |
|---|---|
| Operating Margin | 30% |
| EBT Margin | 29% |
| Return on Equity | 11.7% |
| Return on Assets | 2.14% |
| Free Cashflow Yield | -18.69% |
Growth & Returns | |
|---|---|
| Price Change 1W | -3.3% |
| Price Change 1M | -7.1% |
| Price Change 6M | -24.3% |
| Price Change 1Y | -26.5% |
Cash Flow & Liquidity | |
|---|---|
| Cash Flow from Investing (TTM) | -797.55 Cr |
| Cash Flow from Operations (TTM) | -17.07 kCr |
| Cash Flow from Financing (TTM) | 17.87 kCr |
| Cash & Equivalents | 136.56 Cr |
| Free Cash Flow (TTM) | -17.1 kCr |
| Free Cash Flow/Share (TTM) | -20.52 |
Balance Sheet | |
|---|---|
| Total Assets | 1.16 LCr |
| Total Liabilities | 94.8 kCr |
| Shareholder Equity | 21.18 kCr |
| Net PPE | 102.97 Cr |
| Inventory | 0.00 |
| Goodwill | 0.00 |
Capital Structure & Leverage | |
|---|---|
| Debt Ratio | 0.00 |
| Debt/Equity | 0.00 |
| Interest Coverage | -0.52 |
| Interest/Cashflow Ops | -1.76 |
Dividend & Shareholder Returns | |
|---|---|
| Shares Dilution (1Y) | 0.10% |
High Scoring Large Cap stocks have outperformed low scoring stocks by 90% over last 4 years
Buy Backs: Company has bought back it's stock in the past which is a good thing.
Smart Money: Smart money is taking extra interest in the stock as they increase their holdings.
Size: It is among the top 200 market size companies of india.
Technicals: Bullish SharesGuru indicator.
Profitability: Very strong Profitability. One year profit margin are 23%.
Momentum: Stock is suffering a negative price momentum. Stock is down -7.1% in last 30 days.
Dividend: Stock hasn't been paying any dividend.
Investor Care | |
|---|---|
| Shares Dilution (1Y) | 0.10% |
| Earnings/Share (TTM) | 2.97 |
Financial Health | |
|---|---|
| Debt/Equity | 0.00 |
Technical Indicators | |
|---|---|
| RSI (14d) | 19.73 |
| RSI (5d) | 20.42 |
| RSI (21d) | 18.45 |
| MACD Signal | Sell |
| Stochastic Oscillator Signal | Hold |
| SharesGuru Signal | Buy |
| RSI Signal | Buy |
| RSI5 Signal | Buy |
| RSI21 Signal | Buy |
| SMA 5 Signal | Buy |
| SMA 10 Signal | Sell |
| SMA 20 Signal | Sell |
| SMA 50 Signal | Sell |
| SMA 100 Signal | Sell |
Updated May 4, 2025
Bajaj Housing Finance is trading down 5.44% at Rs 125.05, with a yearly decline of 1.87% and a 5-day drop of 2.84%.
The stock has a TTM P/E ratio of 44.51, which is significantly higher than the sector average of 15.08, indicating potential overvaluation.
Bajaj Finance Limited's shares fell by 0.88% amid weak investor sentiment, with rising GNPA and NNPA rates indicating asset quality stress.
Bajaj Housing Finance saw a notable 12.5% gain over the past month and an 85% increase since its IPO in mid-September 2024.
The company's strong financial performance includes a 26% increase in Assets Under Management, contributing to investor interest.
Despite recent stock price declines, Bajaj Housing Finance reported growth in disbursements and assets under management.
Issue of Securities • 02 Mar 2026 Allotment of Secured Redeemable Non-Convertible Debentures on private placement basis |
Issue of Securities • 20 Feb 2026 Allotment of Secured Redeemable Non-Convertible Debentures on private placement basis |
Analyst / Investor Meet • 19 Feb 2026 Schedule of Analyst/Institutional Investor Meeting |
Earnings Call Transcript • 07 Feb 2026 Transcript of earnings conference call held in respect of the financial results for the quarter ended 31 December 2025 |
Investor Presentation • 02 Feb 2026 Investor Presentation for the quarter ended 31 December 2025 |
Change in Directorate • 02 Feb 2026 The Board of Directors has appointed Shri Ajay Kumar Choudhary as a Non-Executive Independent Director of the Company for a period of five consecutive years w.e.f. 1 March 2026, subject .... |
Analyst / Investor Meet • 02 Feb 2026 Update on the conference call in respect of financial results for the quarter ended 31 December 2025 |
This information is AI-generated and may contain inaccuracies. Please verify from multiple sources.
Summary of Bajaj Housing Finance's latest earnings call, featuring management's outlook on business performance, financial results, and analyst Q&A sessions that highlight key strategic initiatives and market challenges.
Bajaj Housing Finance Limited's management outlook for Q3 FY'26 was positive, highlighting a robust financial performance and forward-looking strategy. The Asset Under Management (AUM) reached Rs.1.33 lakh crore, marking a 23% year-on-year growth, although slightly impacted by higher attrition. The Profit After Tax (PAT) increased by 21% to Rs.665 crore, with an annualized Return on Assets (ROA) of 2.3% and Return on Equity (ROE) of 12.3%. The management reported a healthy asset quality, with Gross Non-Performing Assets (GNPA) at 27 bps and Net NPA (NNPA) at 11 bps.
Key forward-looking points from management emphasized their goal to target a monthly disbursement run rate of Rs.600 crore in their new Sambhav loans segment over the next 12-15 months, with a current monthly run rate of Rs.325-350 crore. The mix of this segment comprises near-prime loans with an average ticket size of Rs.40-60 lakh, and affordable loans with sizes between Rs.15-35 lakh, achieving yields between 9-13%. Additionally, the company aims to maintain a cost-to-income ratio of 14%-15% in the medium term, projecting potential growth in operating margin efficiency due to strategic investments in their affordable lending space.
In response to competitive market conditions, management acknowledged ongoing competitive intensity, particularly from banks, but expressed confidence in maintaining market share and growth through superior underwriting standards and a diversified product mix. Overall, Bajaj Housing Finance aims for substantial growth, leveraging its broad geographic coverage and strong capital adequacy with a CAR of 23.15%.
Here are the major questions and detailed answers from the Q&A section of the earnings conference call:
Question: "Why has Tier-1 declined so sharply? Can you talk about that?" Answer: "The Tier-1 decline is due to a regulatory change from the RBI, leading us to provide capital for the entire chunk of undisbursed loans rather than just the next tranche. This conservative approach resulted in the sharp decline we observed this quarter."
Question: "What is your medium-term outlook on cost to income?" Answer: "We target a cost to income ratio of 14%-15% in 3-4 years. This is feasible as we expect manageable OPEX growth, despite ongoing investments in our Sambhav loans segment, which will help achieve our growth ambitions."
Question: "Can you share the BT-in and BT-out figures for home loans this quarter?" Answer: "Our BT-in for the last quarter was 16.5% of total home loan acquisition, while BT-out was 16.9%. Historically, industry BT-in averages around 15%, indicating we're on par with market trends."
Question: "What is the prepayment rate including extensions?" Answer: "Our total prepayment rate is approximately 20%, predominantly through balance transfer (BT), making up 60%-70%. The remaining is from natural attrition and part payments."
Question: "What about the competitive intensity in the housing market?" Answer: "Competitive intensity is high, especially in the prime and super-prime segments. However, in near-prime and affordable segments, we see increased player presence without much pricing pressure."
Question: "What's your guidance on NIMs and margins next year?" Answer: "We are guiding for an 8-10 bps compression in NIMs for FY'26. Current trends indicate a consistent NIM of around 4%, with higher attrition impacting margins."
Question: "How is the Sambhav loan segment performing?" Answer: "The Sambhav loans SBU has achieved a monthly disbursal run rate of Rs. 325-350 crores, and we are targeting to scale this to over Rs. 600 crores in the next 12-15 months."
Question: "What is your strategy for managing asset quality?" Answer: "We track various metrics like bounce rates and stage-wise asset movement. Our current asset quality remains healthy, with GNPA at 27 bps and NNPA at 11 bps, indicating stable repayment patterns."
Question: "What are your plans regarding assignment volumes and profitability?" Answer: "Assignments are driven by opportunities rather than a fixed annual volume. We'll respond to market conditions, and if home loan growth picks up, assignments will adjust accordingly."
Question: "Can you tell us about the staffing structure in your Sambhav loans division?"
Answer: "We have around 600 employees in the front-end for Sambhav loans, along with 150 personnel in credit and operations, ensuring a robust support structure for our initiatives in this segment."
Understand Bajaj Housing Finance ownership landscape with insights into key distribution patterns, offering investors a clear view of stakeholder dynamics.
| Shareholder Name | Holding % |
|---|---|
| Bajaj Finance Limited | 86.7% |
| Sanjivnayan Bajaj | 0% |
| Bajaj Technology Services Inc | 0% |
| VH International LLC | 0% |
| Bajaj Finserv Limited | 0% |
| Bajaj General Insurance Limited | 0% |
| Bajaj Life Insurance Limited | 0% |
| Bajaj Financial Securities Limited | 0% |
| Bajaj Finserv Asset Management Limited | 0% |
| Bajaj Finserv Direct Limited | 0% |
| Bajaj Finserv Health Limited | 0% |
| Bajaj Finserv Mutual Fund Trustee Limited | 0% |
| Bajaj Finserv Ventures Limited | 0% |
| Bajaj Holdings & Investment Limited | 0% |
| Pennant Technologies Private Limited | 0% |
| Snapwork Technologies Private Limited | 0% |
| VH Medcare Private Limited | 0% |
| Vidal Health Insurance TPA Private Limited | 0% |
| Vidal Healthcare Services Private Limited | 0% |
| Bajaj Financial Distributors Limited | 0% |
Distribution across major stakeholders
Distribution across major institutional holders
Detailed comparison of Bajaj Housing Finance against industry peers, highlighting key financial metrics, valuation ratios, and performance indicators to provide competitive context within the sector.
Ticker | Name | Mkt Cap | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|
Comprehensive comparison against sector averages
BAJAJHFL metrics compared to Finance
| Category | BAJAJHFL | Finance |
|---|---|---|
| PE | 28.55 | 12.54 |
| PS | 6.56 | 2.74 |
| Growth | NA % | 8.7 % |
Bajaj Housing Finance Limited provides housing finance services in India. It offers finance to individuals, as well as corporate entities for the purchase and renovation of homes or commercial spaces. The company also provides loans against property for business or personal needs, as well as working capital for business expansion purposes. In addition, it offers finance to developers engaged in the construction of residential and commercial properties, as well as lease rental discounting to developers and high-net-worth individuals. The company was formerly known as Bajaj Financial Solutions Limited and changed its name to Bajaj Housing Finance Limited in November 2014. The company was incorporated in 2008 and is based in Pune, India. Bajaj Housing Finance Limited operates as a subsidiary of Bajaj Finance Limited.
This is an informational page just to provide a quick 'first look' at the stock. You must do your own deeper research. Know your risk appetite. Consult a SEBI-registered financial advisor before making any investment decisions.
BAJAJHFL vs Finance (2025 - 2026)