Bajaj Housing Finance Limited
Fundamental Score
Bajaj Housing Finance Limited Share Price Live NSE/BSE
Profitability Metrics
Return on Equity
Return on Capital Employed
Operating Profit Margin (5Y)
Dividend Yield
Valuation Metrics
Price to Earnings
Market Capitalization
Industry P/E
Growth Metrics
YoY Quarterly Profit Growth
YoY Quarterly Sales Growth
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Financial Health
Debt to Equity
Interest Coverage
Free Cash Flow (5Y)
Ownership Structure
Promoter Holding
FII Holding
DII Holding
Pledged Percentage
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Market Data Analysis & Educational Insights
Educational evaluation of BAJAJHFL across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (88.60%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages. This indicates sustainable profitability potential.
Consistent Growth Track Record (29.33% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model and market opportunity execution over time.
Excellent EPS Growth (24.66% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential and effective capital allocation over extended periods.
Strong Profit Growth Track Record (38.71% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model and effective operational leverage over time.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral, reducing forced-selling risk.
Analysis: Absence of share pledging eliminates potential forced-selling pressure during market stress.
Risk Factors
10 factors identified
Suboptimal ROCE (9.55%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation. Review business model and competitive positioning.
Elevated Debt Levels (D/E: 4.44)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability and cash flow generation.
Weak Interest Coverage (1.48x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability. Monitor cash flow and debt reduction plans.
Negative Free Cash Flow (₹-63709.39 Cr over 5Y)
Observation: Cash outflows exceed inflows, indicating capital intensity or working capital issues.
Analysis: Negative FCF requires analysis of capital expenditure cycle and working capital management efficiency.
Limited Public Float (88.70% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity and institutional participation.
Limited Institutional Interest (FII+DII: 1.45%)
Observation: Low institutional participation may affect liquidity and visibility.
Analysis: Limited institutional interest may indicate size constraints or visibility issues in the investment community.
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. Assess capital allocation strategy.
High Debt-to-Equity Ratio
Observation: Elevated financial risk due to high leverage.
Analysis: High debt levels may strain cash flows and increase financial risk during economic downturns.
Very High Debt Levels
Observation: Excessive leverage may strain cash flows.
Analysis: Debt-to-equity above 2.0 indicates potential financial distress risk.
High P/E Ratio
Observation: Stock may be overvalued relative to earnings.
Analysis: P/E above 30 requires strong growth execution to justify current valuations.
Financial Statements
Comprehensive financial data for Bajaj Housing Finance Limited
About BAJAJHFL
Business Overview
Bajaj Housing Finance Limited provides housing finance services in India. It offers finance to individuals and 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; real estate investment trusts REITs, and sovereign wealth funds and corporations. Bajaj Housing Finance Limited 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 headquartered in Pune, India. Bajaj Housing Finance Limited operates as a subsidiary of Bajaj Finance Limited.
Company Details
Key Leadership
Latest News
BAJAJHFL Stock Details & Analysis
Key Financial Metrics
Growth & Valuation
Frequently Asked Questions
What is the current price of Bajaj Housing Finance Limited (BAJAJHFL)?
As of 29 Jan 2026, 10:35 am IST, Bajaj Housing Finance Limited (BAJAJHFL) is currently trading at ₹88.02. The stock has a market capitalization of ₹87.04K (Cr).
Is BAJAJHFL share price Overvalued or Undervalued?
BAJAJHFL is currently trading at a P/E ratio of 36.87x, compared to the industry average of 18.03x. Based on this relative valuation, the stock appears to be Overvalued against its sector peers.
What factors affect the Bajaj Housing Finance Limited share price?
Key factors influencing BAJAJHFL's price include its quarterly earnings growth (Sales Growth: 14.30%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Bajaj Housing Finance Limited a good stock for long-term investment?
Bajaj Housing Finance Limited shows a 5-year Profit Growth of 38.71% and an ROE of 13.46%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 4.44 before investing.
How does Bajaj Housing Finance Limited compare with its industry peers?
Bajaj Housing Finance Limited competes with major peers in the Housing Finance Company. Investors should compare BAJAJHFL's P/E of 36.87x and ROE of 13.46% against the industry averages to determine its competitive standing.
What is the P/E ratio of BAJAJHFL and what does it mean?
BAJAJHFL has a P/E ratio of 36.87x compared to the industry average of 18.03x. The Price-to-Earnings (P/E) ratio is calculated by dividing the current share price by earnings per share (EPS). This means investors are paying ₹37 for every ₹1 of annual earnings.
How is BAJAJHFL performing according to Bull Run's analysis?
BAJAJHFL has a Bull Run fundamental score of 54.8/100, which indicates moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters including profitability, growth metrics, and valuation ratios.
What sector and industry does BAJAJHFL belong to?
BAJAJHFL operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Bajaj Housing Finance Limited.
What is Return on Equity (ROE) and why is it important for BAJAJHFL?
BAJAJHFL has an ROE of 13.46%, which shows decent profitability but room for improvement. Return on Equity measures how efficiently Bajaj Housing Finance Limited generates profits from shareholders' equity.
How is BAJAJHFL's debt-to-equity ratio and what does it indicate?
BAJAJHFL has a debt-to-equity ratio of 4.44, which indicates high leverage that increases financial risk. A ratio below 1.0 generally indicates conservative financing.
What is BAJAJHFL's dividend yield and is it a good dividend stock?
BAJAJHFL offers a dividend yield of 0.00%, which means you receive ₹0.00 annual dividend for every ₹100 invested.
How has BAJAJHFL grown over the past 5 years?
BAJAJHFL has achieved 5-year growth rates of: Sales Growth 29.33%, Profit Growth 38.71%, and EPS Growth 24.66%.
What is the promoter holding in BAJAJHFL and why does it matter?
Promoters hold 88.70% of BAJAJHFL shares, with 0.00% of promoter shares pledged. High promoter holding often indicates strong management confidence.
What is BAJAJHFL's market capitalization category?
BAJAJHFL has a market capitalization of ₹87040 crores, placing it in the Large-cap category.
How volatile is BAJAJHFL stock?
BAJAJHFL has a beta of N/A. A beta > 1 suggests the stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is the 52-week high and low for BAJAJHFL?
BAJAJHFL has a 52-week high of ₹N/A and low of ₹N/A.
What is BAJAJHFL's operating profit margin trend?
BAJAJHFL has a 5-year average Operating Profit Margin (OPM) of 88.60%, indicating the company's operational efficiency.
How is BAJAJHFL's quarterly performance?
Recent quarterly performance shows YoY Sales Growth of 14.30% and YoY Profit Growth of 17.84%.
What is the institutional holding pattern in BAJAJHFL?
BAJAJHFL has FII holding of 0.91% and DII holding of 0.54%. Significant institutional holding often suggests professional confidence in the stock.