BAJAJHFL
Bajaj Housing Finance Limited (BAJAJHFL) Stock Analysis
Bajaj Housing Finance Limited is an Indian housing finance company focused on home loans and related credit products. It originates mortgages for retail customers through digital and branch channels as part of the Bajaj financial ecosystem. The company benefits from cross-sell to existing finance customers. It is a recently listed housing finance stock.
Financial Services › Mortgage Finance
₹83.40
+2.27% 1W | -23.40% 52W
Market Cap
69.4k CR
P/E Ratio
25.8
52W High
₹112.4
52W Low
₹72.7
Div. Yield
0%
Beta
0.7
50 DMA
₹83.7
200 DMA
₹85.6
Profit Margin
63.2%
Inst. Own.
1.1%
🔥 APPROACHING RESISTANCE
🔥 APPROACHING RESISTANCE
Fundamentals
Profit & Loss
| Metric | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1,763 | 1,911 | 1,946 | 1,996 | 2,209 | 2,410 | 2,449 | 2,504 | 2,616 | 2,755 | 2,884 | 2,903 | 3,063 |
| Interest | 1,062 | 1,151 | 1,200 | 1,279 | 1,399 | 1,514 | 1,516 | 1,551 | 1,606 | 1,658 | 1,734 | 1,762 | 1,888 |
| Expenses | 165 | 176 | 164 | 219 | 170 | 179 | 210 | 222 | 244 | 253 | 261 | 262 | 233 |
| Financing Profit | 536 | 585 | 582 | 498 | 640 | 718 | 723 | 731 | 765 | 844 | 890 | 878 | 942 |
| Financing Margin % | 30% | 31% | 30% | 25% | 29% | 30% | 30% | 29% | 29% | 31% | 31% | 30% | 31% |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | -13 | 0 | 0 |
| Depreciation | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 11 | 11 | 12 | 12 | 13 | 13 |
| Profit before tax | 526 | 575 | 572 | 488 | 630 | 708 | 713 | 720 | 757 | 833 | 865 | 866 | 929 |
| Tax % | 12% | 22% | 24% | 22% | 23% | 23% | 23% | 18% | 23% | 23% | 23% | 23% | 23% |
| Net Profit | 462 | 451 | 437 | 381 | 483 | 546 | 548 | 587 | 583 | 643 | 665 | 669 | 715 |
| EPS in Rs | 0.69 | 0.67 | 0.65 | 0.57 | 0.62 | 0.66 | 0.66 | 0.70 | 0.70 | 0.77 | 0.80 | 0.80 | 0.86 |
| Gross NPA % | 0.23% | 0.24% | 0.25% | 0.27% | 0.28% | 0.29% | 0.29% | 0.29% | 0.30% | 0.26% | 0.27% | 0.27% | 0.29% |
| Net NPA % | 0.08% | 0.09% | 0.10% | 0.10% | 0.11% | 0.12% | 0.13% | 0.11% | 0.13% | 0.12% | 0.11% | 0.11% | 0.12% |
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM |
|---|---|---|---|---|---|---|---|---|
| Revenue | 265 | 3,155 | 3,767 | 5,665 | 7,617 | 9,554 | 11,150 | 11,604 |
| Interest | 162 | 1,968 | 2,157 | 3,213 | 4,695 | 5,981 | 6,761 | 7,042 |
| Expenses | 44 | 552 | 624 | 718 | 721 | 759 | 1,007 | 1,009 |
| Financing Profit | 59 | 635 | 986 | 1,733 | 2,201 | 2,814 | 3,381 | 3,554 |
| Financing Margin % | 22% | 20% | 26% | 31% | 29% | 29% | 30% | 31% |
| Other Income | -0 | 0 | -0 | 0 | -0 | -2 | -14 | -13 |
| Depreciation | 2 | 22 | 26 | 33 | 40 | 41 | 47 | 49 |
| Profit before tax | 57 | 613 | 960 | 1,700 | 2,161 | 2,770 | 3,320 | 3,492 |
| Tax % | 26% | 26% | 26% | 26% | 20% | 22% | 23% | |
| Net Profit | 42 | 453 | 710 | 1,258 | 1,731 | 2,163 | 2,560 | 2,692 |
| EPS in Rs | 0.09 | 0.93 | 1.45 | 1.87 | 2.58 | 2.60 | 3.07 | 3.23 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% | 0% | 0% |
Growth — CAGR
| Metric | 3Y | 5Y | 10Y |
|---|---|---|---|
| Revenue CAGR | 25.0% | 29.0% | – |
| Profit CAGR | 27.0% | 41.0% | – |
Shareholding Pattern
Promoters88.70%
FIIs1.04%
DIIs0.59%
Public9.61%
Promoters88.70%
FIIs0.91%
DIIs0.54%
Public9.81%
Promoters86.70%
FIIs0.94%
DIIs1.39%
Public10.92%
Promoters86.70%
FIIs0.99%
DIIs1.18%
Public11.10%
Promoters86.70%
FIIs0.90%
DIIs1.00%
Public11.34%
Promoters88.75%
FIIs1.12%
DIIs0.72%
Public9.40%
Promoters86.70%
FIIs0.99%
DIIs1.18%
Public11.10%
Promoters86.70%
FIIs0.90%
DIIs1.00%
Public11.34%
BAJAJHFL
Holdings Analysis
Key strengths & risk signals
69
Overall
85
Fundamental
54
Technical
Risks (4)
VERY HIGH DEBT! D/E of 4.11 - significant risk.
POOR YEAR! Stock declined 23.4% in the last year.
WEAK POSITION! Current price (83.4) is below both moving averages.
BEARISH TREND! 50-day average (83.7) is below 200-day average (85.6) - negative signal.
Strengths (4)
EXCELLENT EFFICIENCY! 63.2% profit margin - company keeps strong profits.
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 3,982,347 vs down days: 3,007,016. Ratio: 1.32x
NEUTRAL! RSI at 50.6 - balanced momentum.
Fundamental & Technical Analysis
69Overall
85Fundamental
54Technical
Fundamental Breakdown
Growth Quality
30/30
Revenue CAGR: 25.5% (EXCELLENT, 15/15). Profit CAGR: 26.7% (EXCELLENT, 15/15).
Profit Margin
10/10
EXCELLENT EFFICIENCY! 63.2% profit margin - company keeps strong profits.
PEG Valuation
10/10
UNDERVALUED! PEG of 0.97 indicates stock is cheap relative to growth.
Dividend Yield
3/10
NEGLIGIBLE DIVIDEND! 0% yield - little to no income.
Debt to Equity
2/10
VERY HIGH DEBT! D/E of 4.11 - significant risk.
Public Holding
20/20
VERY LESS PUBLIC HOLDING! 7.63% public ownership - strong promoter/institutional control.
Stability Index
10/10
PERFECT RECORD! Revenue has grown consistently every year. Exceptional business stability.
Technical Breakdown
Moving Averages
3/10
BEARISH TREND! 50-day average (83.7) is below 200-day average (85.6) - negative signal.
Price Position
2/10
WEAK POSITION! Current price (83.4) is below both moving averages.
Trend Pattern
10/20
AT RESISTANCE! Stock is at key resistance level.
52W Performance
1/10
POOR YEAR! Stock declined 23.4% in the last year.
Volume Sentiment
25/30
BULLISH SENTIMENT! In last 30 days: 12 up days, 18 down days. Avg volume on up days: 3,982,347 vs down days: 3,007,016. Ratio: 1.32x
RSI
3/5
NEUTRAL! RSI at 50.6 - balanced momentum.
52W Range
2/5
LOWER HALF! Trading at 27.0% of 52W range - weakness visible.
Momentum
3/5
MIXED MOMENTUM! Price growth is inconsistent - 2.3% (1 week), 0.5% (1 month), -3.5% (3 months).
Beta
5/5
LOW VOLATILITY! Beta of 0.70 - stable stock, less market risk.
BAJAJHFL
Concall / Investor Presentation
Earnings call transcripts & AI summaries
| Quarter | Concall | Summary |
|---|---|---|
| Q1FY272026-08-04 | Concall PDF | |
| Q4FY262026-05-04 | Concall PDF | |
| Q3FY262026-02-07 | Concall PDF | |
| Q2FY262025-11-12 | Concall PDF |
Peer Comparison
Financial Services · Mortgage Finance · 8 stocks
| Stock | Price | P/E | Profit Margin | Revenue CAGR 5Y | Profit CAGR 5Y | 52W Change | Stock Strength | Trendline | YoY Profit | QoQ Profit | YoY Revenue | QoQ Revenue |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BAJAJHFL | ₹83.40 | 25.8 | 63.2% | 25.5% | 26.7% | -23.4% | 69 | APPROACHING RESISTANCE | +22.6% | +6.9% | +17.9% | +5.1% |
| PNBHOUSING | ₹1,167.70 | 13.2 | 61.4% | 12.5% | 29.9% | +43.1% | 74 | APPROACHING SUPPORT | +4.5% | -15.0% | +9.4% | +0.2% |
| LICHSGFIN | ₹521.00 | 5 | 65.2% | 10.3% | 24.7% | -5.9% | 70 | BREAKDOWN | +9.9% | +0.4% | -2.4% | -12.6% |
| AADHARHFC | ₹447.00 | 17.4 | 48.2% | 21.7% | 26.2% | -12.3% | 70 | BREAKOUT | +19.0% | -9.2% | +15.6% | +2.9% |
| SAMMAANCAP | ₹133.90 | – | – | 21.0% | – | -17.9% | 45 | APPROACHING RESISTANCE | -27.2% | -103.0% | -30.1% | +0.1% |
| HOMEFIRST | ₹1,099.80 | 19.9 | 51.4% | 33.7% | 33.3% | -9.0% | 64 | BREAKDOWN | +34.5% | +7.0% | +17.4% | +7.0% |
| APTUS | ₹222.50 | 11.3 | 61.8% | 23.0% | 23.3% | -28.6% | 64 | CONSOLIDATING DOWN | +19.0% | 0.0% | +19.3% | +1.9% |
| CANFINHOME | ₹732.10 | 8.5 | 67.1% | 16.0% | 19.0% | -8.3% | 63 | CONSOLIDATING DOWN | – | +2.7% | +16.7% | -0.9% |
Data from TradeAlone · Updated daily
