Bajaj Housing Finance Limited
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.
Valuation
Profitability
Returns
Solvency
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 23.5%
Concerns1
- Negative free cash flow (βΉ2 Cr)
Rule-based from financial data. Not advice.
Monthly Returns
Year-to-Date ROI
Historical Volatility
Historical Performance
Revenue, profitability, and cash flow trends (βΉ Crores)
Revenue (10Y)
Operating Income (10Y)
Net Profit (10Y)
Operating Margin % (10Y)
Dividend Payout % (10Y)
Free Cash Flow (10Y)
Growth Summary
Latest fiscal year: Mar 2025
Historical Growth
Year-by-year revenue, profitability, and cash flow (βΉ Crores, last 6 years)
| Year | Revenue | Op. Income | Net Profit | CFO | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|---|
| Mar 2025 | βΉ9.58 K Cr | β | βΉ2.16 K Cr | β | β | β | 25.7% | 25.0% |
| Mar 2024 | βΉ7.62 K Cr | β | βΉ1.73 K Cr | β | β | β | 34.5% | 37.6% |
| Mar 2023 | βΉ5.67 K Cr | β | βΉ1.26 K Cr | β | β | β | 50.4% | 77.2% |
| Mar 2022 | βΉ3.77 K Cr | β | βΉ710.00 Cr | β | β | β | 19.4% | 56.7% |
| Mar 2021 | βΉ3.15 K Cr | β | βΉ453.00 Cr | β | β | β | 19.2% | 7.6% |
| Mar 2020 | βΉ2.65 K Cr | β | βΉ421.00 Cr | β | β | β | β | β |
Financial Statements
Income statement, balance sheet, and cash flow (βΉ Crores, as reported)
Consolidated Figures in USD Millions.
| Unnamed: 0 | TTM |
|---|---|
| Revenue | 10,327 |
| Finance Costs | 6,331 |
| Total Expenses | 933 |
| Financing Profit | 3,063 |
| Financing Margin % | 30% |
| Other Income | 3 |
| Depreciation & Amortisation | 44 |
| Profit Before Tax | 3,022 |
| Tax % | - |
| Net Profit / PAT | 2,361 |
| EPS (βΉ) | 2.83 |
| Dividend Payout % | - |
Peer Comparison
Financials sector peers, ranked by market cap
| Company | Market Cap | Revenue | P/E | P/B | EV/EBITDA | Rev G 1Y |
|---|---|---|---|---|---|---|
| Bajaj Housing Finance Limitedthis co. | βΉ78.51 K Cr | βΉ9.58 K Cr | 33.20 | 3.71 | 0.00 | 25.7% |
| HDFC Bank Ltd. | βΉ14.43 L Cr | βΉ3.01 L Cr | 20.30 | 2.78 | β | 16.3% |
| ICICI Bank Ltd. | βΉ10.28 L Cr | βΉ1.63 L Cr | 20.70 | 3.32 | β | 14.3% |
| State Bank Of India | βΉ9.49 L Cr | βΉ4.62 L Cr | 13.30 | 1.83 | β | 11.4% |
| Bajaj Finance Limited | βΉ5.91 L Cr | βΉ61.95 K Cr | 36.80 | 6.33 | β | 32.0% |
| LIFE INSURANCE CORPORATION OF INDIA | βΉ5.26 L Cr | βΉ8.87 L Cr | 10.30 | 3.73 | 9.87 | 5.2% |
| Kotak Mahindra Bank Ltd. | βΉ4.24 L Cr | βΉ52.92 K Cr | 31.70 | 3.39 | β | 15.5% |
| Industry Average | β | βΉ30.80 K Cr | 45.91 | 4.87 | 70.91 | 14.6% |