WEBSITE BSE:544252 NSE: BAJAJHFL Inc. Year: 2008 Industry: Finance - Housing
Last updated: 09:59
Bajaj Housing Finance Limited (BHFL) is a subsidiary of Bajaj Finance Limited, part of the well-known Bajaj Group in India. Established to provide home financing solutions, BHFL offers a range of products, including home loans, loan against property, balance transfers, and top-up loans. The company primarily serves salaried and self-employed individuals, aiming to make home ownership and real estate investment more accessible. BHFL stands out with its competitive interest rates, flexible loan tenures, and tailored financing options that cater t...Read More
Bajaj Housing Finance Limited (BHFL) is a subsidiary of Bajaj Finance Limited, part of the well-known Bajaj Group in India. Established to provide home financing solutions, BHFL offers a range of products, including home loans, loan against property, balance transfers, and top-up loans. The company primarily serves salaried and self-employed individuals, aiming to make home ownership and real estate investment more accessible. BHFL stands out with its competitive interest rates, flexible loan tenures, and tailored financing options that cater to diverse customer needs. With a strong emphasis on customer service and digital accessibility, BHFL enables a seamless application process, often supported by online tools for eligibility checking and EMI calculations. With a robust financial backing from Bajaj Finance, BHFL has built a reputation for reliability and customer satisfaction, becoming a trusted name in the Indian housing finance market. ...Read Less
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Market Cap ₹76166 Cr.
Stock P/E 35.2
P/B 3.5
Current Price ₹91.4
Book Value ₹ 26.2
Face Value 10
52W High ₹137
Dividend Yield 0%
52W Low ₹ 87.2
Price goes above X
Price falls below X
PE goes above X
PE falls below X
₹ | |
| #(Fig in Cr.) | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 1911 | 1946 | 1996 | 2209 | 2410 | 2449 | 2508 | 2616 | 2755 | 2886 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | 0 |
| Total Income | 1912 | 1946 | 1997 | 2209 | 2410 | 2449 | 2508 | 2618 | 2755 | 2886 |
| Total Expenditure | 176 | 164 | 219 | 170 | 179 | 210 | 226 | 244 | 253 | 263 |
| Operating Profit | 1736 | 1782 | 1778 | 2039 | 2231 | 2239 | 2282 | 2374 | 2502 | 2623 |
| Interest Expense | 1151 | 1200 | 1279 | 1399 | 1514 | 1516 | 1551 | 1606 | 1658 | 1734 |
| Depreciation | 10 | 10 | 10 | 10 | 10 | 10 | 11 | 11 | 12 | 12 |
| Profit Before Tax | 575 | 572 | 488 | 630 | 708 | 713 | 720 | 757 | 833 | 865 |
| Provision for Tax | 124 | 135 | 107 | 147 | 162 | 165 | 133 | 174 | 190 | 200 |
| Profit After Tax | 451 | 437 | 381 | 483 | 546 | 548 | 587 | 583 | 643 | 665 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 451 | 437 | 381 | 483 | 546 | 548 | 587 | 583 | 643 | 665 |
| Adjusted Earnings Per Share | 0.7 | 0.7 | 0.6 | 0.6 | 0.7 | 0.7 | 0.7 | 0.7 | 0.8 | 0.8 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Revenue | 0 | 0 | 3 | 106 | 1149 | 2646 | 3155 | 3767 | 5665 | 7617 | 9576 | 10765 |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 1 | 0 | 0 | 3 |
| Total Income | 0 | 0 | 3 | 106 | 1149 | 2646 | 3155 | 3767 | 5665 | 7618 | 9576 | 10767 |
| Total Expenditure | 0 | 0 | 3 | 48 | 315 | 438 | 553 | 624 | 719 | 722 | 783 | 986 |
| Operating Profit | 0 | 0 | 0 | 58 | 835 | 2208 | 2602 | 3143 | 4947 | 6896 | 8793 | 9781 |
| Interest Expense | 0 | 0 | 0 | 47 | 685 | 1618 | 1968 | 2157 | 3213 | 4695 | 5981 | 6549 |
| Depreciation | 0 | 0 | 0 | 0 | 7 | 23 | 22 | 26 | 33 | 40 | 41 | 46 |
| Profit Before Tax | 0 | 0 | 0 | 11 | 149 | 567 | 613 | 960 | 1700 | 2161 | 2770 | 3175 |
| Provision for Tax | 0 | 0 | 0 | 1 | 39 | 146 | 160 | 250 | 442 | 430 | 607 | 697 |
| Profit After Tax | 0 | 0 | 0 | 10 | 110 | 421 | 453 | 710 | 1258 | 1731 | 2163 | 2478 |
| Adjustments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit After Adjustments | 0 | 0 | 0 | 10 | 110 | 421 | 453 | 710 | 1258 | 1731 | 2163 | 2478 |
| Adjusted Earnings Per Share | 0 | 0 | 0 | 0.1 | 0.3 | 0.9 | 0.9 | 1.5 | 1.9 | 2.6 | 2.6 | 3 |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Sales CAGR | 26% | 36% | 29% | 0% |
| Operating Profit CAGR | 28% | 41% | 32% | 0% |
| PAT CAGR | 25% | 45% | 39% | 0% |
| # | 1 Year | 3 Year | 5 Year | 10 Year |
|---|---|---|---|---|
| Share Price CAGR | -22% | NA% | NA% | NA% |
| ROE Average | 13% | 14% | 12% | 7% |
| ROCE Average | 10% | 9% | 9% | 6% |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Shareholder's Funds | 25 | 25 | 325 | 1550 | 3658 | 5585 | 6032 | 6741 | 10503 | 12234 | 19947 |
| Minority's Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Borrowings | 0 | 0 | 0 | 2742 | 11640 | 24087 | 28658 | 37495 | 53162 | 52725 | 62856 |
| Current Liability | 0 | 0 | 0 | 408 | 3956 | 1688 | 3167 | 4288 | 1771 | 17456 | 20502 |
| Other Liabilities & Provisions | 0 | 0 | 0 | -4 | -5 | 13 | -14 | -13 | 217 | 851 | 1487 |
| Total Liabilities | 25 | 25 | 325 | 4697 | 19250 | 31372 | 37843 | 48512 | 65654 | 83264 | 104792 |
| Loans | 0 | 0 | 0 | 3570 | 17332 | 27975 | 33419 | 46482 | 62114 | 79301 | 99513 |
| Investments | 12 | 12 | 12 | 14 | 0 | 0 | 0 | 667 | 1422 | 520 | 1312 |
| Fixed Assets | 0 | 0 | 2 | 3 | 38 | 86 | 79 | 97 | 113 | 123 | 141 |
| Other Loans | 0 | 0 | 0 | 4 | 8 | 19 | 11 | 17 | 199 | 868 | 1523 |
| Other Non Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 231 | 302 |
| Current Assets | 13 | 13 | 311 | 1106 | 1873 | 3292 | 4335 | 1246 | 1806 | 2221 | 2001 |
| Total Assets | 25 | 25 | 325 | 4697 | 19250 | 31372 | 37843 | 48512 | 65654 | 83264 | 104792 |
| #(Fig in Cr.) | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Opening Cash & Cash Equivalents | 0 | 0 | 0 | 0 | 111 | 107 | 659 | 462 | 407 | 94 | 64 |
| Cash Flow from Operating Activities | -0 | 0 | -0 | -3370 | -13366 | -10244 | -5076 | -12481 | -14332 | -14600 | -17075 |
| Cash Flow from Investing Activities | -11 | 0 | -297 | -634 | -743 | -694 | -797 | 2197 | -611 | -555 | -798 |
| Cash Flow from Financing Activities | 11 | 0 | 297 | 4114 | 14105 | 11490 | 5676 | 10228 | 14630 | 15125 | 17870 |
| Net Cash Inflow / Outflow | -0 | 0 | 0 | 111 | -4 | 552 | -197 | -55 | -313 | -30 | -2 |
| Closing Cash & Cash Equivalent | 0 | 0 | 0 | 111 | 107 | 659 | 462 | 407 | 94 | 64 | 62 |
| # | Mar 2015 | Mar 2016 | Mar 2017 | Mar 2018 | Mar 2019 | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Per Share (Rs) | 0 | 0.01 | 0 | 0.07 | 0.31 | 0.86 | 0.93 | 1.45 | 1.87 | 2.58 | 2.6 |
| CEPS(Rs) | 0 | 0.01 | 0 | 0.07 | 0.33 | 0.91 | 0.97 | 1.51 | 1.92 | 2.64 | 2.65 |
| DPS(Rs) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Book NAV/Share(Rs) | 4.94 | 4.95 | 9.28 | 10 | 10.31 | 11.42 | 12.35 | 13.8 | 15.65 | 18.23 | 23.93 |
| Net Profit Margin | 0 | 0 | 3.83 | 9.61 | 9.55 | 15.92 | 14.37 | 18.84 | 22.2 | 22.73 | 22.59 |
| Operating Margin | 0 | 0 | 15.02 | 54.9 | 72.58 | 82.58 | 81.8 | 82.75 | 86.74 | 90.01 | 91.39 |
| PBT Margin | 0 | 0 | 3.83 | 10.27 | 12.94 | 21.45 | 19.44 | 25.48 | 30.01 | 28.37 | 28.93 |
| ROA(%) | 0.04 | 0.21 | 0.07 | 0.4 | 0.92 | 1.66 | 1.31 | 1.64 | 2.2 | 2.33 | 2.3 |
| ROE(%) | 0.04 | 0.21 | 0.07 | 1.08 | 4.22 | 9.12 | 7.81 | 11.11 | 14.59 | 15.23 | 13.45 |
| ROCE(%) | 0.04 | 0.21 | 0.27 | 2.41 | 7.14 | 8.73 | 7.5 | 7.26 | 8.74 | 9.43 | 9.56 |
| Price/Earnings(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 47.46 |
| Price/Book(x) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 5.15 |
| Dividend Yield(%) | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EV/Net Sales(x) | 0 | 0 | 111.74 | 41.34 | 16.25 | 11.27 | 11.34 | 12.2 | 10.65 | 9.92 | 19.28 |
| EV/Core EBITDA(x) | 2491.67 | 921.93 | 728.67 | 75.11 | 22.38 | 13.51 | 13.74 | 14.63 | 12.2 | 10.96 | 21 |
| Interest Earned Growth(%) | -100 | 0 | 0 | 3274.76 | 987.9 | 130.26 | 19.22 | 19.4 | 50.39 | 34.47 | 25.71 |
| Net Profit Growth | 107.06 | 571.49 | 126.44 | 8358.33 | 981.77 | 283.73 | 7.56 | 56.58 | 77.25 | 37.64 | 24.94 |
| EPS Growth(%) | 105.51 | 571.49 | -67.65 | 1809.95 | 372.32 | 178.95 | 7.56 | 56.58 | 28.96 | 37.64 | 0.69 |
| Interest Coverage(x) % | 0 | 1993.25 | 1.34 | 1.23 | 1.22 | 1.35 | 1.31 | 1.44 | 1.53 | 1.46 | 1.46 |
| # | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|
| Promoter | 88.75 | 88.75 | 88.75 | 88.7 | 88.7 | 86.7 |
| FII | 1.68 | 1.11 | 1.12 | 1.04 | 0.9 | 0.94 |
| DII | 1.94 | 0.82 | 0.72 | 0.6 | 0.54 | 1.39 |
| Public | 7.64 | 9.32 | 9.41 | 9.66 | 9.86 | 10.97 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 100 | 100 | 100 | 100 | 100 | 100 |
| # | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 |
|---|---|---|---|---|---|---|
| Promoter | 739.1 | 739.1 | 739.1 | 739.1 | 739.1 | 722.44 |
| FII | 13.95 | 9.25 | 9.36 | 8.65 | 7.52 | 7.82 |
| DII | 16.14 | 6.83 | 5.97 | 5.01 | 4.5 | 11.57 |
| Public | 63.63 | 77.64 | 78.39 | 80.47 | 82.12 | 91.41 |
| Others | 0 | 0 | 0 | 0 | 0 | 0 |
| Total | 832.81 | 832.81 | 832.81 | 833.23 | 833.23 | 833.23 |
* The pros and cons are machine generated.
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