Bajaj Housing Finance Limited Stock Price Today (NSE: BAJAJHFL)
Fundamental Score
Bajaj Housing Finance Limited Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Bajaj Housing Finance Limited share price today is ₹86.98, down 0.15% on NSE/BSE as of 5 August 2026. Bajaj Housing Finance Limited (BAJAJHFL) is a Large-cap company in the Housing Finance Company sector with a market capitalisation of ₹72.89K (Cr). The 52-week high for BAJAJHFL share price is ₹117.98 and the 52-week low is ₹72.65. At a P/E ratio of 28.35x, BAJAJHFL is currently trading above its industry average P/E of 16.67x. The company has a Return on Equity (ROE) of 12.11% and a debt-to-equity ratio of 4.60.
Bajaj Housing Finance Limited Share Price Chart — NSE/BSE Historical Performance
Bajaj Housing Finance Limited share price chart: -2.07% return over the past month. 52-week high ₹117.98, 52-week low ₹72.65.
Bajaj Housing Finance Limited — Last 10 Trading Days
| Date | Open | High | Low | Close | Volume |
|---|---|---|---|---|---|
| ₹86.83 | ₹88.40 | ₹86.52 | ₹87.11 | 49.59L (Cr) | |
| ₹86.85 | ₹87.29 | ₹86.31 | ₹86.85 | 32.08L (Cr) | |
| ₹86.96 | ₹87.75 | ₹85.80 | ₹86.02 | 62.69L (Cr) | |
| ₹87.53 | ₹87.53 | ₹85.35 | ₹86.52 | 74.69L (Cr) | |
| ₹86.00 | ₹87.95 | ₹85.42 | ₹87.63 | 50.49L (Cr) | |
| ₹85.50 | ₹86.00 | ₹85.08 | ₹85.66 | 20.69L (Cr) | |
| ₹84.98 | ₹85.88 | ₹84.98 | ₹85.50 | 21.28L (Cr) | |
| ₹84.00 | ₹84.52 | ₹83.55 | ₹84.19 | 33.86L (Cr) | |
| ₹85.06 | ₹86.08 | ₹84.43 | ₹84.81 | 21.45L (Cr) | |
| ₹86.00 | ₹86.65 | ₹85.82 | ₹86.17 | 17.95L (Cr) |
Bajaj Housing Finance Limited — Last 12 Months Price History
| Month | Open | High | Low | Close | Change |
|---|---|---|---|---|---|
| ₹86.85 | ₹88.40 | ₹86.31 | ₹87.11 | +0.30% | |
| ₹87.75 | ₹94.00 | ₹83.55 | ₹86.02 | -1.97% | |
| ₹84.82 | ₹91.38 | ₹82.30 | ₹87.50 | +3.16% | |
| ₹87.18 | ₹89.20 | ₹81.80 | ₹84.89 | -2.63% | |
| ₹74.54 | ₹93.00 | ₹74.31 | ₹87.18 | +16.96% | |
| ₹82.50 | ₹86.01 | ₹72.65 | ₹73.09 | -11.41% | |
| ₹89.70 | ₹94.77 | ₹86.67 | ₹87.04 | -2.97% | |
| ₹94.50 | ₹98.29 | ₹87.32 | ₹90.83 | -3.88% | |
| ₹105.07 | ₹105.55 | ₹92.10 | ₹94.33 | -10.22% | |
| ₹110.25 | ₹110.50 | ₹104.75 | ₹105.07 | -4.70% | |
| ₹110.01 | ₹113.45 | ₹106.95 | ₹110.21 | +0.18% | |
| ₹111.69 | ₹117.00 | ₹109.95 | ₹110.01 | -1.50% |
AI Research Briefing
Powered by Gemini · 2026-04-09
Overvalued HFC faces lock-in expiry overhang; short the pop.
WHAT'S HAPPENING NOW (last 2-4 weeks)
Bajaj Housing Finance (BAJAJHFL) shares are under pressure, hitting a record low of on March 27, 2026, nearing IPO levels. However, the stock has recovered slightly, -80 in early April. A significant event is the end of a shareholder lock-in period on April 13, 2026, potentially freeing up 210 crore shares worth Cr for trading. Q4FY26 business update reveals gross disbursements increased by 23% YoY to , and AUM grew 23% to crore. The Board will meet on April 27, 2026, to approve audited financial results.
CORE STORY (THE REAL GAME)
BAJAJHFL is a growth story challenged by valuation concerns and potential overhang from locked-in shares. Market sentiment is shifting from initial IPO euphoria to a more sober assessment of long-term potential in a competitive housing finance market.
- Lock-in expiry on April 13, 2026, could unleash significant selling pressure
- Rich valuation (36.87x P/E) offers limited upside
- Potential NIM compression from rising rates and competition
- Significant selling by locked-in shareholders
- NIM compression due to increased competition or rising rates
- Downgrade by major brokerage
- High Debt/Equity ratio of 4.44
- Low Interest Coverage of 1.48x
- Rich valuation relative to peers
FII holdings decreased by 0.13% and DII holdings decreased by 0.05%.
Rising interest rates pose a headwind for housing finance companies.
No major news found after live search.
No, Free Cash Flow 5Y: ₹-63709.39 Cr.
Near-term pressure from lock-in expiry and valuation. Long-term growth depends on execution and NIM management. Expect a correction in the next 3-6 months.
Primary Thesis Risk
Shareholder lock-in expiry triggers a major sell-off, crushing the stock.
For educational purposes only. Not investment advice. Consult a SEBI-registered advisor before investing.
Returns & Performance
Return on Equity (ROE)
Profit generated per ₹1 of shareholder equity
Return on Capital (ROCE)
Returns generated on total capital deployed
Oper. Profit Margin (5Y Avg)
Average operating profit margin over 5 years
Dividend Yield
Annual dividend as % of current share price
Bajaj Housing Finance Limited Valuation Check
Price to Earnings (P/E)
Share price ÷ earnings per share. Lower = cheaper
Industry Avg P/E
Average P/E of all peers in this sector
Market Capitalisation
Total market value of all outstanding shares
Growth Engine
Profit Growth (Quarterly YoY)
Net profit growth vs same quarter last year
Revenue Growth (Quarterly YoY)
Revenue growth vs same quarter last year
Revenue Growth (5-Year CAGR)
Compounded annual revenue growth over 5 years
EPS Growth (5-Year CAGR)
Earnings per share growth over 5 years
Net Profit Growth (5-Year CAGR)
Compounded annual net profit growth over 5 years
Balance Sheet Health
Debt to Equity Ratio
Total debt ÷ equity. Below 0.5 = financially healthy
Interest Coverage Ratio
EBIT ÷ interest expense. Above 2.5 = can pay interest comfortably
Free Cash Flow (5-Year Total)
Cash left after capex over 5 years. Positive = self-funded growth
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Bajaj Housing Finance Limited Fundamental Analysis & Valuation Benchmarking
Educational evaluation of BAJAJHFL across key market metrics for learning purposes.
Positive Indicators
6 factors identified
Strong Operating Margins (89.86%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Strong Revenue Growth (15.92%)
Observation: Healthy sales growth indicates market demand and execution capability.
Analysis: Revenue growth >15% suggests strong market position and growth potential.
Consistent Growth Track Record (28.72% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (27.15% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (41.48% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Suboptimal ROCE (8.85%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 4.60)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.49x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-78558.23 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Public Float (86.70% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
Limited Institutional Interest (FII+DII: 2.17%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Bajaj Housing Finance Limited vs Housing Finance Company Peers
Peer Comparison - Housing Finance Company
Compare Bajaj Housing Finance Limited with 10 other companies in the same sector
| Company Info | Fundamental | Valuation | Profitability | Financial Health | Growth | Dividend | ||||
|---|---|---|---|---|---|---|---|---|---|---|
Company Company name | Score Bull Run comprehensive fundamental score based on 20+ metrics | Price Current trading price of the stock | Market Cap Total value of all shares in the market | P/E Price per share divided by earnings per share | ROE Net income divided by shareholder equity | ROCE Earnings before interest and tax divided by capital employed | Debt/Eq Total debt divided by total equity | Profit 5Y Average annual profit growth over 5 years | Sales 5Y Average annual sales growth over 5 years | Dividend Annual dividend per share divided by price per share |
Bajaj Housing Finance LimitedBajaj Housing F...Selected✓ BAJAJHFL • 544252 | 54.1/100 | ₹86.98₹87 | ₹72891.30₹72891.30 | 28.35Average 28.4 Average | 12.11%Average 12.11% Average | 8.85%Poor 8.85% Poor | 4.60Poor 4.6 Poor | 41.48%Excellent 41.48% Excellent | 28.72%Excellent 28.72% Excellent | 0.00% |
LIC Housing Finance LtdLIC Housing Fin... LICHSGFIN • 500253 | 40.5/100 | ₹523.10₹523 | ₹30214.98₹30214.98 | 5.39Average 5.4 Average | 14.41%Average 14.41% Average | 8.59%Poor 8.59% Poor | 6.70Poor 6.7 Poor | 15.38%Excellent 15.38% Excellent | 7.72%Good 7.72% Good | 1.82% |
PNB Housing Finance LtdPNB Housing Fin... PNBHOUSING • 540173 | 34.3/100 | ₹1053.10₹1053 | ₹28773.05₹28773.05 | 12.56Average 12.6 Average | 12.70%Average 12.70% Average | 9.40%Poor 9.40% Poor | 3.70Poor 3.7 Poor | 19.70%Excellent 19.70% Excellent | 2.26%Average 2.26% Average | 0.72% |
Aadhar Housing Finance LtdAadhar Housing ... AADHARHFC • 544176 | 39.7/100 | ₹496.70₹497 | ₹22481.19₹22481.19 | 20.28Average 20.3 Average | 15.94%Good 15.94% Good | 11.38%Average 11.38% Average | 2.49Poor 2.5 Poor | 26.64%Excellent 26.64% Excellent | 18.52%Excellent 18.52% Excellent | 0.00% |
Sammaan Capital LtdSammaan Capital... SAMMAANCAP • 535789 | 5.5/100 | ₹162.43₹162 | ₹18981.71₹18981.71 | — — | -3.18%Poor -3.18% Poor | 4.92%Poor 4.92% Poor | 2.73Poor 2.7 Poor | — — | -3.97%Poor -3.97% Poor | 0.00% |
Aptus Value Housing Finance India LtdAptus Value Hou... APTUS • 543335 | 50.9/100 | ₹261.20₹261 | ₹14795.78₹14795.78 | 15.69Average 15.7 Average | 20.11%Excellent 20.11% Excellent | 15.41%Good 15.41% Good | 1.56Average 1.6 Average | 28.71%Excellent 28.71% Excellent | 27.94%Excellent 27.94% Excellent | 1.52% |
Home First Finance Company India LtdHome First Fina... HOMEFIRST • 543259 | 51/100 | ₹1189.00₹1189 | ₹13048.68₹13048.68 | 24.15Average 24.1 Average | 15.71%Good 15.71% Good | 11.13%Average 11.13% Average | 2.43Poor 2.4 Poor | 40.09%Excellent 40.09% Excellent | 31.47%Excellent 31.47% Excellent | 0.42% |
Can Fin Homes LtdCan Fin Homes L... CANFINHOME • 511196 | 45.6/100 | ₹820.60₹821 | ₹12049.83₹12049.83 | 11.10Average 11.1 Average | 19.66%Good 19.66% Good | 9.14%Poor 9.14% Poor | 6.40Poor 6.4 Poor | 18.94%Excellent 18.94% Excellent | 15.88%Excellent 15.88% Excellent | 1.66% |
Aavas Financiers LtdAavas Financier... AAVAS • 541988 | 50/100 | ₹1359.80₹1360 | ₹11897.43₹11897.43 | 18.17Average 18.2 Average | 13.92%Average 13.92% Average | 9.92%Poor 9.92% Poor | 3.11Poor 3.1 Poor | 17.74%Excellent 17.74% Excellent | 19.46%Excellent 19.46% Excellent | 0.00% |
India Shelter Finance Corporation LimitedIndia Shelter F... INDIASHLTR • 544044 | 63/100 | ₹726.50₹727 | ₹8881.99₹8881.99 | 17.65Average 17.6 Average | 17.04%Good 17.04% Good | 12.84%Average 12.84% Average | 1.95Average 1.9 Average | 41.90%Excellent 41.90% Excellent | 36.98%Excellent 36.98% Excellent | 1.23% |
Repco Home Finance LtdRepco Home Fina... REPCOHOME • 535322 | 28.2/100 | ₹385.10₹385 | ₹2553.76₹2553.76 | 5.37Average 5.4 Average | 12.73%Average 12.73% Average | 10.17%Average 10.17% Average | 3.02Poor 3.0 Poor | 9.63%Good 9.63% Good | 5.43%Good 5.43% Good | 1.10% |
Top Housing Finance Company Stocks
View all →By Bull Run Score
By Return on Equity
By Market Cap
- LIC Housing Finance Ltd share price30214.98 Cr
- PNB Housing Finance Ltd share price28773.05 Cr
- Aadhar Housing Finance Ltd share price22481.19 Cr
- Sammaan Capital Ltd share price18981.71 Cr
- Aptus Value Housing Finance India Ltd share price14795.78 Cr
Bajaj Housing Finance Limited PE Ratio History
Historical price-to-earnings ratio for BAJAJHFL — last 5 years
| Year | EPS (₹) | Price (₹) | P/E Ratio |
|---|---|---|---|
| FY 2025 | ₹2.67 | ₹94.33 | 35.3x |
| FY 2024 | ₹2.08 | ₹127.42 | 61.3x |
P/E = year-end price ÷ diluted EPS from annual filings. Source: NSE/BSE via Bull Run.
Bajaj Housing Finance Limited Quarterly Performance
Latest quarterly metrics for BAJAJHFL — revenue growth and profit growth vs same quarter last year
Revenue Growth (YoY)
15.92%
Latest quarter vs same quarter previous year
Net Profit Growth (YoY)
14.06%
Latest quarter net profit vs same quarter previous year
5-Year Revenue CAGR
28.72%
Compounded annual revenue growth over 5 years
5-Year Profit CAGR
41.48%
Compounded annual net profit growth over 5 years
Bajaj Housing Finance Limited Technical Indicators
SMA 50, SMA 200, RSI and volume signals for BAJAJHFL — calculated from daily price history
Momentum is balanced — neither overbought nor oversold.
Technical indicators are for educational purposes only. Not investment advice.
Bajaj Housing Finance Limited Financial Statements
Annual income statement, balance sheet and cash flow for Bajaj Housing Finance Limited (BAJAJHFL) — sourced from NSE/BSE filings.
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About BAJAJHFL (Bajaj Housing Finance Limited)
Bajaj Housing Finance Limited is a prominent player in India's dynamic housing finance sector, committed to empowering individuals and businesses to realize their property ownershi...p aspirations. With a steadfast focus on customer-centricity and innovation, BAJAJHFL provides a comprehensive suite of financial solutions tailored to diverse needs. Whether it's enabling families to purchase their dream homes, assisting businesses in acquiring commercial spaces, or facilitating property renovations, the company strives to be a trusted partner throughout the property ownership journey. Backed by the esteemed Bajaj Finserv group, BAJAJHFL leverages its robust financial foundation and industry expertise to deliver seamless and efficient services, making property financing accessible and hassle-free for its customers. BAJAJHFL goes beyond traditional home loans by offering a range of specialized financing options designed to support various financial requirements. Recognizing the vital role of businesses in the economy, the company provides loans against property, enabling entrepreneurs to unlock the potential of their assets for business expansion, working capital needs, or other strategic investments. Moreover, BAJAJHFL actively supports the real estate development ecosystem through construction finance for residential and commercial projects, fostering growth and innovation in the sector. By providing lease rental discounting to developers, the company further strengthens its commitment to enabling sustainable development and contributing to the nation's infrastructure. Driven by a vision of financial inclusivity, Bajaj Housing Finance Limited is dedicated to expanding its reach and serving a wider spectrum of customers across India. Through a combination of technology-driven solutions, personalized customer service, and a deep understanding of local market dynamics, BAJAJHFL strives to deliver exceptional value and build lasting relationships. The company's commitment to ethical practices, transparency, and responsible lending ensures that customers receive fair and reliable financial guidance, empowering them to make informed decisions and achieve their property-related goals.
Company Details
Key Leadership
BAJAJHFL Share Price: Frequently Asked Questions
What is the current share price of Bajaj Housing Finance Limited?
Bajaj Housing Finance Limited (BAJAJHFL) trades at ₹86.98 on NSE and BSE. Market cap ₹72.89K (Cr). Educational data only.
What is the P/E ratio of Bajaj Housing Finance Limited?
Bajaj Housing Finance Limited has a P/E of 28.35x vs industry average 16.67x.
What is the Bull Run score for Bajaj Housing Finance Limited?
Bajaj Housing Finance Limited has a Bull Run score of 54.1/100 based on 25+ financial parameters.
Does Bajaj Housing Finance Limited pay dividends?
Bajaj Housing Finance Limited has a dividend yield of 0.00%. Past dividends don't guarantee future payments.
What is the ROE of Bajaj Housing Finance Limited?
Bajaj Housing Finance Limited has ROE of 12.11%. Higher ROE indicates better use of shareholder equity.
What is the debt-to-equity ratio of Bajaj Housing Finance Limited?
Bajaj Housing Finance Limited has debt-to-equity of 4.60.
Is Bajaj Housing Finance Limited a good investment?
Bull Run gives Bajaj Housing Finance Limited a score of 54.1/100. This is not investment advice — consult a SEBI-registered advisor.