Bajaj Housing Finance Limited
₹77.40-₹0.55 (-0.7%)
Last close · Data as of Oct 30, 2026
- Market cap
- ₹78,507 Cr
- P/E
- 33.2x
- Revenue
- ₹9,576 Cr
Price chart
Technical chartScreen technicals →-30.1% over the last year
Daily closes.
Go deeper
Technical chart: candles, 9 moving averages, RSI, MACD and drawing tools
Performance
Price change over each period, before dividends.
- 1M
- -5.6%
- 3M
- -10.5%
- 6M
- -11.2%
- 1Y
- -30.1%
- 5Y
- -52.7%
52-week range
Day change -₹0.55 (-0.7%) from ₹78 to ₹77 · Last close Oct 30, 2026
Best weekday to invest, historically
The same weekly amount in BAJAJHFL, bought on each weekday since 2024.
AI Summary
Indian StockStrengths1
- Strong 5-year revenue CAGR of 23.5%
Concerns1
- Negative free cash flow (₹17873 Cr)
Rule-based from financial data. Not advice.
About the company
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.
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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.
- Sector
- Financial Services
- Shares outstanding
- 833 Cr shares
- ISIN
- INE377Y01014
- BSE code
- 544252
Key statistics
Screen fundamentals →Valuation, profitability, growth and solvency at the latest close; hover a label for its meaning.
Valuation
- Market cap
- ₹78,507 Cr
- P/E
- 33.2x
- P/B
- 3.7x
- Earnings yield
- 3.0%
- 52-week high
- ₹110.75
- 52-week low
- ₹73.09
Profitability
- Dividend payout
- 0.0%
- Tax rate
- 20.0%
- Other income, % of PBT
- 0.0%
Growth
- RevenueLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹9,576 Cr
- Revenue growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 25.7%
- Revenue CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 23.5%
- EBITDALatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- ₹0 Cr
- Net profit growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 25.0%
- Net profit CAGR, 5YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 32.7%
- Cash from operationsLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹14,600 Cr
- CFO growth, 1YLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- 1.9%
- Free cash flowLatest stored company figure. It is not dated and can be a year behind the FY2025 statements; the Growth card lists each year.
- -₹2.00 Cr
Solvency and efficiency
- CFO / Net profit
- -8.43
Where the revenue went
FY2025 ended in a loss, so the lines are listed rather than drawn as a flow.
| Line | FY2025 |
|---|---|
| Revenue | ₹9,576 Cr |
| Interest paid | ₹5,981 Cr |
| Expenses | ₹781 Cr |
| Financing profit | ₹2,814 Cr |
| Other income | -₹2 Cr |
| Depreciation | ₹41 Cr |
| Profit before tax | ₹2,770 Cr |
| Tax and other | ₹607 Cr |
| Net profit | ₹2,163 Cr |
Revenue and net profit
Revenue grew 25.7% in FY2025; net profit is the dashed line.
| Date | Revenue | Net profit |
|---|---|---|
| FY2021 | ₹3,155 Cr | ₹453 Cr |
| FY2022 | ₹3,767 Cr | ₹710 Cr |
| FY2023 | ₹5,665 Cr | ₹1,258 Cr |
| FY2024 | ₹7,617 Cr | ₹1,731 Cr |
| FY2025 | ₹9,576 Cr | ₹2,163 Cr |
Cash flows
FY2025: -₹17,075 Cr from operations, -₹17,873 Cr free after investment (dashed).
| Date | Operating cash flow | Free cash flow |
|---|---|---|
| FY2021 | -₹5,076 Cr | -₹5,873 Cr |
| FY2022 | -₹12,481 Cr | -₹10,284 Cr |
| FY2023 | -₹14,332 Cr | -₹14,943 Cr |
| FY2024 | -₹14,600 Cr | -₹15,155 Cr |
| FY2025 | -₹17,075 Cr | -₹17,873 Cr |
Growth
Latest fiscal year FY2025 (ending March): each figure with its change over the year before.
- Revenue
- ₹9,576 Cr+25.7%1Y
- Net profit
- ₹2,163 Cr+25.0%1Y
- Cash from operations
- -₹17,075 Cr
- Free cash flow
- -₹17,873 Cr
- Revenue CAGR, 5Y
- 23.5%
- Net profit CAGR, 5Y
- 32.7%
| Year | Revenue | Operating income | EBITDA | Net profit | CFO | FCF | ROE | Revenue growth 1Y | Net profit growth 1Y |
|---|---|---|---|---|---|---|---|---|---|
| FY2025 | ₹9,576 Cr | ₹2,814 Cr | — | ₹2,163 Cr | -₹17,075 Cr | -₹17,873 Cr | — | +25.7% | +25.0% |
Monthly returns
Month-by-month returns of BAJAJHFL across the years, with the seasonal pattern.
Market cap against peers
8 peers: same sector group, nearest by size.
P/E against peers
BAJAJHFL trades at 33.2x earnings against a peer median of 26.9x (a 23% premium).
Not shown (no positive earnings and no EV / Sales): One 97 Communications Limited, IndusInd Bank Ltd.
Peer comparison
Same-sector peers by market cap, with the median.
| Company | Market cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|
| Bajaj Housing Finance LimitedBAJAJHFLthis companyP/E ↑ premium | ₹78,507 Cr | 33.2x | 3.7x | — | — |
| One 97 Communications LimitedPAYTM | ₹81,975 Cr | — | 6.4x | -6.1% | -109.4x |
| SBI CARDS AND PAYMENT SERVICES LIMITEDSBICARD | ₹81,669 Cr | 42.6x | 5.5x | 13.9% | — |
| AU Small Finance Bank LimitedAUBANK | ₹72,691 Cr | 33.4x | 4.0x | 12.3% | — |
| L&T Finance LimitedLTF | ₹72,200 Cr | 27.0x | 2.8x | 10.3% | 15.4x |
| Yes Bank Ltd.YESBANK | ₹71,482 Cr | 25.5x | 1.5x | 5.0% | — |
| IDFC FIRST BANK LIMITEDIDFCFIRSTB | ₹71,318 Cr | 48.9x | 1.3x | 4.0% | — |
| IndusInd Bank Ltd.INDUSINDBK | ₹70,915 Cr | — | 1.1x | 4.1% | — |
| Indian Overseas BankIOB | ₹68,014 Cr | 16.0x | 2.0x | 10.2% | — |
| Peer median | — | 26.9x | 2.8x | 12.3% | 33.9x |
Year-to-date ROI
BAJAJHFL since 1 January, against earlier years.
Historical volatility
BAJAJHFL's day-to-day swings over 30, 60 and 180 days.
Financial statements
Income statement, balance sheet and cash flow as reported, in ₹ crore, grouped into plain-language lines.
Figures in ₹ crore as reported, fiscal years ending March, newest first; the trailing twelve months (TTM) last.
Operating margin by fiscal year
| Date | Operating margin |
|---|---|
| FY2021 | 20.0% |
| FY2022 | 26.0% |
| FY2023 | 31.0% |
| FY2024 | 29.0% |
| FY2025 | 29.0% |
| Line | FY2025 |
|---|---|
| Revenue | ₹9,576 Cr |
| Costs | |
| Interest | ₹5,981 Cr |
| Expenses | ₹781 Cr |
| Financing profitFinancing Profit | ₹2,814 Cr |
| Financing marginFinancing Margin % | 29.0% |
| Other income and charges | |
| Profit before tax | ₹2,770 Cr |
| Tax | |
| Net profitNet Profit | ₹2,163 Cr |
| Per share |
| Line | FY2025 |
|---|---|
| Operating cash flowCash from Operating Activity | -₹17,075 Cr |
| Investing cash flowCash from Investing Activity | -₹798 Cr |
| Financing cash flowCash from Financing Activity | ₹17,870 Cr |
| Change in cashNet Cash Flow | -₹2 Cr |
Learn while you research
Academy chapters picked for Bajaj Housing Finance Limited and the metrics on this page.
- 01 Taxes on Investments (India)LTCG, STCG, dividend tax, what every Indian investor needs.6 min read
- 02 Stock Valuation BasicsHow to think about what a fair price for a stock looks like.7 min read
- 03 Valuation Multiples ExplainedThis stock trades at a P/E of 33.2, learn when high multiples are justified.6 min read
- 04 Growth Investing26% revenue growth is in the top tier, learn how to value growth.7 min read
- 05 Sector AnalysisBanks & financials are uniquely sensitive to rates and credit cycles.6 min read
- 06 Essential Stock RatiosP/E, P/B, EV/EBITDA, what they mean and when to use each.7 min read