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Bajaj Housing Financ share price

Bajaj Housing Finance Ltd.

NSE: BAJAJHFL BSE: 544252 SECTOR: Finance - Housing  154k   664   370

121.95
-1.15 (-0.93%)
BSE: 30 May 04:01 PM

Price Summary

Today's High

₹ 123.7

Today's Low

₹ 121.8

52 Week High

₹ 188.45

52 Week Low

₹ 103

FinStar

Ownership Stable
Ownership strength is slightly missing the benchmark.
ValuationAttractive
The stock is considerably attractive based on intrinsic value.
EfficiencyOptimal
The company could improve upon its asset employment.
FinancialsWeak
Watch out! The company might not be able to sustain any adverse condition.
*It is just an analytical rating of the company and not an investment advice.

Company Essentials

Market Cap

101612.82 Cr.

Advances

79300.75 Cr.

No. of Shares

833.23 Cr.

P/E

46.98

P/B

5.09

Face Value

₹ 10

Div. Yield

0 %

Book Value (TTM)

₹  23.94

Operating Revenue

7617.31 Cr.

Net Profit

1731.22 Cr.

Promoter Holding

88.75 %

EPS (TTM)

₹  2.6

Sales Growth

34.47

ROE

15.23 %

ROCE

9.42%

Profit Growth

37.64 %

* Total debt includes long term borrowing, short term borrowing plus current maturities of long-term borrowing
* Ratios are based on latest Audited Financial Result.

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Price Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

 

Volume Chart 1d 1w 1m 3m 6m 1Yr 3Yr 5Yr

* Prices are based on daily market changes.
* The chart is based on the standalone earnings of the company. * Negative values and values more than 1000x in PE chart is considered 0.

Peer Comparison

View Full Peer Comparison
* The Peers list includes companies operating in the same industry and having comparable market cap.

 Group Companies

Track the companies of Group.

Ratios

Income Growth

1 Year34.47%
3 Year34.16%
5 Year45.98%

Profit Growth

1 Year37.64%
3 Year56.32%
5 Year73.6%

ROE%

1 Year15.23%
3 Year13.64%
5 Year11.57%

ROCE %

1 Year9.42%
3 Year8.47%
5 Year8.33%

ROA%

2.3251

PEG Ratio

1.25

PAT Margin (%)

22.7274

EPS Growth(%)

37.6387

Shareholding Pattern

Promoter Pledging %

Date Promoter % Pledge %
Mar 2025 88.75 0.00
Dec 2024 88.75 0.00
Sep 2024 88.75 0.00
Investors List
* Figures given above are % of equity capital

 Strengths

  • Operating Income has grown well for the company over past 3 years: 3 years CAGR 34.1569713637738%.
  • The company has delivered substantial profit growth of 56.3233958674019% over past 3 years.
  • The company boasts a well-maintained advances growth ratio of 33.3813313391222%.
  • Promoters shareholding is 88.75%.

 Limitations

 Looks like the company does not have any serious limitations.

Quarterly Result (All Figures in Cr.)

PARTICULARS Sep 2024 Dec 2024 Mar 2025
Operating Revenue 2410.15 2448.86 2507.96
Other Income 0.09 0.12 0.06
Interest Expended 1513.65 1515.92 1550.93
Operating Expenses 178.98 209.91 226.25
Total Provisions 0 0 0
Depreciation 10.02 10.13 11.09
Profit Before Tax 707.59 713.02 719.75
Tax 161.99 165 133.07
Net Profit 545.6 548.02 586.68
Adjusted EPS (RS) 0.66 0.66 0.7

Profit & Loss (All Figures in Cr. Adjusted EPS in Rs.)

PARTICULARS Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Operating Income 2646.02 3154.7 3766.71 5664.73 7617.31
Other Income 0.21 0.58 0.42 0.71 0.4
Interest 1617.55 1967.51 2157.24 3213.3 4694.71
Operating Expenses 326.71 317.59 456.76 608 673.31
Total Provisions 134.52 257 193.27 144.08 88.37
Exceptional Items 0 0 0 0 0
Profit Before Tax 567.45 613.18 959.86 1700.06 2161.32
Tax 146.12 159.99 250.24 442.26 430.1
Profit After Tax 421.33 453.19 709.62 1257.8 1731.22
Adjusted EPS (Rs.) 0.86 0.93 1.45 1.87 2.58

Balance Sheet (All Figures are in Crores.)

Particulars Mar 2020 Mar 2021 Mar 2022 Mar 2023 Mar 2024
Equity and Liabilities
Share Capital 4883.33 4883.33 4883.33 6712.16 6712.16
Total Reserves 701.8 1148.89 1858.03 3791.03 5521.34
Borrowings 24087.12 28658.03 37495.09 53162.42 65559.64
Other N/C liabilities 12.63 -13.77 -12.82 217.45 793.11
Current liabilities 1687.54 3166.64 4287.87 1770.74 4677.83
Total Liabilities 31372.42 37843.12 48511.5 65653.8 83264.08
Assets
Loans 27975.41 33418.9 46482.07 62113.89 79300.75
Net Block 85.78 78.89 97.2 112.99 122.86
Capital WIP 0 0 0 0 0
Intangible WIP 0 0 1.46 0.31 0.87
Investments 0 0 667.45 1422.42 1937.9
Other Loans 19.21 10.61 17.04 198.65 875.3
Other N/C Assets 0 0 0 0 0
Current Assets 3292.02 4334.72 1246.28 1805.54 1026.4
Total Assets 31372.42 37843.12 48511.5 65653.8 83264.08
* Other Non-current Liabilities include Net deferred Liabilities

Corporate Actions

Investors Details

PARTICULARS Sep 2024% Dec 2024% Mar 2025%
promoters 88.75 88.75 88.75
bajaj finance limited 88.75 88.75 88.75
 No Investors Data available for this company.
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Annual Reports

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Ratings & Research Reports

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Company Presentations

Company News

Bajaj Housing Financ Stock Price Analysis and Quick Research Report. Is Bajaj Housing Financ an attractive stock to invest in?

Housing finance companies is a highly concentrated business-facing fierce competition and the industry has remained competitive for several years. The growth of the economy and also increase in the per capita income of individuals impact the housing industry as a whole.

These companies provide finance for housing in India to individuals and corporations. The housing finance companies majorly cater to low and middle-income individuals. The proportion of loans coming from housing companies is significantly increasing.

Around 2% of India's total population invests in financial assets. The penetration of the mutual fund industry in India is close to 7% (Based on the number of PAN cardholders). This under penetration of the mutual fund industry offers a huge opportunity for the industry to grow. Migration to financial savings, wider distribution and sustainable performance are expected to enable growth in the industry. Also, increasing financial literacy among investors, digitization and the number of mediums available tend to attract more investors to invest in the financial markets.

Bajaj Housing Financ stock price today is Rs 122. To understand the functions of the Bajaj Housing Financ better, you must go through the following points:

Key Financials –

  • Profitability: Profit margin (PAT margin) of the company shows how well a company controls its cost. It is one of the important indicators to show the financial health of the company. Net profit of the company is Rs 1731.22 Cr and the compounded growth of profit in the past 3 years is 56.3226974836768 %. The PAT margin of Bajaj Housing Financ is 22.7274 %.

  • EPS growth: Investors should ensure the EPS figure is growing faster than revenue numbers because it indicates company management is increasing the efficiency with which it runs the company. In Bajaj Housing Financ , the EPS grew by 37.6387 % YOY. 

 Financial Ratios –

  •  Return on Equity (ROE): Bajaj Housing Financ has a average ROE track record. The ROE of Bajaj Housing Financ is at 15.2284 % for the latest year.

  • P/E Ratio: Relative valuation metrics like the P/E ratio can be used to see if the stock of Bajaj Housing Financ is worth at the current levels at Rs 122. Bajaj Housing Financ is trading at a current P/E ratio of 0 and the average historical P/E for the last 5 years was 0.

  • P/B ratio can be one of the best metrics to value such companies. Currently, Bajaj Housing Financ is trading at a P/B of 5.0931 . The average historical P/B for the last 5 years was 0. This can be compared with the Market price per share in order to know if the stock is undervalued or overvalued.

  • Share Price: - The current share price of Bajaj Housing Financ is Rs 122. One can use valuation calculators of ticker to know if Bajaj Housing Financ share price is undervalued or overvalued.

Last Updated on:
Brief about Bajaj Housing Financ

Current Bajaj Housing Finance Share Price

As of the market close on Friday, 16 May 2025, the Bajaj Housing Finance Limited share price on the NSE (National Stock Exchange), trading under the symbol BAJAJHFL, was Rs 123.95. This represented an increase of 0.81% compared to the previous day's close. The Bajaj Housing Finance stock price saw an opening at Rs 123.41, reaching an intraday high of Rs 124.77 and a low of Rs 122.71. For the most current, regularly updated Bajaj Housing Finance share price, please refer to the live ticker section located above on this page. That section provides a real-time BAJAJHFL share price summary, including the day's high/low and the 52-week high/low.

Bajaj Housing Finance Share Returns Performance

Bajaj Housing Finance Limited was listed on the stock exchanges in September 2024. Therefore, long-term historical returns like 5-year CAGR are not yet applicable in the same way as for long-listed companies. However, based on available data up to 16 May 2025, the performance is as follows:

  • 1 Week (approx. 5 trading days): +5.73%
  • 1 Month: +14.8% (approximately, based on available data around mid-May 2025)
  • 3 Months: +16.72% (approximately, based on available data around mid-May 2025)
  • Since Listing (from Sep 2024 to May 2025): Performance has varied. The stock has seen periods of gains and also faced pressures. For instance, the 1-year return figure might show a negative percentage if the price is below its initial post-listing highs (some sources indicate a 1-year return of around -32.73%, reflecting volatility since listing, while its 52-week high was Rs 188.50).

The Bajaj Housing Finance Returns since its IPO in September 2024 have been dynamic. The short-term returns indicate recent positive momentum. The Bajaj Housing Finance Performance needs to be viewed in the context of its recent listing and the broader housing finance sector trends. As detailed in the interactive charts and data section above on this webpage, you can explore the Bajaj Housing Finance share price chart and analyse its returns generated over various specific time frames since its listing.

Latest News Impacting Bajaj Housing Finance Share Price

Several recent developments have influenced the Bajaj Housing Finance Limited share price:

  1. Q4 FY25 Financial Results (Announced around 23-24 April 2025): Bajaj Housing Finance reported a strong Q4 FY25, with net profit soaring approximately 53-54% year-on-year to Rs 587 crore. Net Interest Income (NII) also registered healthy growth. This robust bottom-line performance was a key highlight.
     
  2. Analyst Outlook and Market Reaction: Following the Q4 results, analyst views were mixed. While the profit growth was strong, some analysts expressed concerns regarding potential moderation in Assets Under Management (AUM) growth due to increased competition in the housing finance sector. There were also discussions around potential compression in Net Interest Margins (NIMs) and the normalization of credit costs, which could impact future profitability. This led to some price volatility, with the stock experiencing both gains on the back of strong profit numbers and dips due to cautious analyst outlooks in late April and early May 2025.
     
  3. Fundraising Activities: In early May 2025, Bajaj Housing Finance announced the allotment of Secured Redeemable Non-Convertible Debentures (NCDs) on a private placement basis, including an issue aggregating to Rs 1000 crore. Such fundraising activities are common for NBFCs and HFCs to support AUM growth.
     
  4. Parent Company Actions: Developments at the parent company, Bajaj Finance Ltd., also draw investor attention. Bajaj Finance's own Q4 results, dividend announcements (including a special dividend partly linked to gains from Bajaj Housing Finance's IPO), and other corporate actions like a stock split and bonus issue for Bajaj Finance shareholders provide broader context to the group's financial strategy and performance.

These Factors Affecting Bajaj Housing Finance Share Price highlight a company with strong recent earnings growth navigating a competitive landscape, with market sentiment influenced by its financial results, fundraising, and analyst perspectives on future growth and margins.

Conclusion on Bajaj Housing Finance Stock Price

The Bajaj Housing Finance stock price, since its listing in September 2024, has been influenced by its strong financial performance, particularly the robust profit growth seen in Q4 FY25. The Bajaj home finance share price has shown positive momentum in the very recent short term. However, the Bajaj Housing Finance Limited share price outlook is also shaped by analyst commentary on potential challenges such as AUM growth moderation and NIM pressure in a competitive environment. The company's ability to sustain its growth trajectory while managing asset quality and funding costs will be key for the Bajaj Housing Finance share value going forward.

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