Bajaj Housing Finance Ltd.

•

₹ 84.85-0.86%

2026-08-21

bajajhousingfinance.inBSE: 544252NSE: BAJAJHFL

Market Cap₹ 70,833 Cr.

Current Price₹ 86

High / Low₹ 117 / 73

Stock P/E680.0

Book Value—

Price to Book—

Dividend Yield0.00 %

ROCE7.1 %

ROE4.0 %

Face Value₹ 10

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ABOUT

KEY POINTS

PROS

Comfortable capital adequacy - CAR of 22.5%
Asset quality is healthy - gross NPA of just 0.3%
Solid return on assets for a lender - ROA of 2.2%

CONS

Promoter holding has decreased over last 2 years: -13.3pp
Company has a low return on capital employed of 3.4%
Company has a low return on equity of 1.9% over last 3 years
Equity base is being diluted - shares outstanding up 16804.8%
Free cash flow has been persistently negative
Thin net interest margin of 0.0%

* The pros and cons are machine generated based on quantitative rules.

Peer comparison

EDIT COLUMNS

Financial ServicesFinanceFinance - Housing

Part ofNIFTY 50 NIFTY 500 NIFTY LARGEMIDCAP 250 NIFTY 100 NIFTY 200

S.No.	Name	CMP Rs.	P/E	Mar Cap Rs.Cr.	Div Yld %	NP Qtr Rs.Cr.	Qtr Profit Var %	Sales Qtr Rs.Cr.	Qtr Sales Var %	ROCE %	OPM %
1.	BAJAJHFL	85.01	680.04	70833.18	0.00	715.28	22.63	3063.02	17.79	8.83	92.39
2.	PIRAMALFIN	2054.70	27.61	46575.47	0.54	460.98	—	3368.27	33.52	7.74	64.47
3.	HUDCO	188.55	8.87	37745.82	3.21	851.11	35.05	3717.17	27.10	8.41	97.08
4.	PNBHOUSING	1175.50	13.23	30632.35	0.68	557.34	4.47	2263.44	9.02	9.41	91.52
5.	LICHSGFIN	498.50	4.78	27420.64	2.01	1499.03	9.90	7082.59	-1.16	8.59	97.06
6.	AADHARHFC	477.45	18.32	20899.77	0.00	282.36	19.00	992.89	17.06	11.31	75.02
7.	SAMMAANCAP	153.65	0.00	17893.42	0.00	243.30	-27.22	1651.93	-31.18	3.64	99.91
8.	APTUS	252.90	12.86	12665.68	1.78	260.94	19.01	600.29	15.38	15.45	81.94
9.	HOMEFIRST	1182.35	0.00	12359.55	0.44	1598.51	1244.52	5380.11	1086.05	11.13	77.98
10.	AAVAS	1375.45	22.23	10905.95	0.00	142.48	12.34	546.02	21.42	10.15	74.58
11.	CANFINHOME	817.75	0.00	10888.72	1.83	267.82	19.63	1096.15	7.43	9.14	91.29
12.	INDIASHLTR	656.40	14.22	7152.58	1.52	137.59	27.24	408.23	24.73	12.96	73.07

Detailed Comparison with:

Quarterly Results

Consolidated Figures in Rs. Crores / View Standalone

No quarterly results found

We don't have this information yet. Please check back later.

Profit & Loss

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2011	Mar 2017	Mar 2018	Mar 2019
	0	4	107	1,149
	7	3	48	315
Operating Profit	-7	1	59	835
OPM %	-2,094	28	56	73
Other Income	0	0	0	0
Interest	0	0	47	685
Depreciation	0	0	0	7
	-7	1	12	143
Tax %	0	9	3	27
Net Profit	-7	1	12	104
EPS	-3	0	0	0
Dividend Payout %	—	0	0	0
Minority Interest	0	0	0	0
Share of Associates	0	0	0	0
Adjusted EPS	-3	0	0	0
Minority Interest	0	0	0	0
Share of Associates	0	0	0	0
Adjusted EPS	-3	0	0	0

Mar 2011

: 0
: 7
Operating Profit: -7
OPM %: -2,094
Other Income: 0
Interest: 0
Depreciation: 0
: -7
Tax %: 0
Net Profit: -7
EPS: -3
Dividend Payout %: —
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: -3
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: -3

Mar 2017

: 4
: 3
Operating Profit: 1
OPM %: 28
Other Income: 0
Interest: 0
Depreciation: 0
: 1
Tax %: 9
Net Profit: 1
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

Mar 2018

: 107
: 48
Operating Profit: 59
OPM %: 56
Other Income: 0
Interest: 47
Depreciation: 0
: 12
Tax %: 3
Net Profit: 12
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

Mar 2019

: 1,149
: 315
Operating Profit: 835
OPM %: 73
Other Income: 0
Interest: 685
Depreciation: 7
: 143
Tax %: 27
Net Profit: 104
EPS: 0
Dividend Payout %: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0
Minority Interest: 0
Share of Associates: 0
Adjusted EPS: 0

COMPOUNDED SALES GROWTH

10 Years:: —
5 Years:: —
3 Years:: 1446%

COMPOUNDED PROFIT GROWTH

10 Years:: —
5 Years:: —
3 Years:: —

STOCK PRICE CAGR

10 Years:: —
5 Years:: —
3 Years:: —
1 Year:: -25%

RETURN ON EQUITY

10 Years:: —
5 Years:: —
3 Years:: 2%
Last Year:: 4%

Balance Sheet

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2011	Mar 2017	Mar 2018	Mar 2019
LIABILITIES	-	-	-	-
Equity Capital	21	350	1,550	3,550
	-9	-25	6	108
	0	0	186	3,596
Trade Payables	2	0	36	49
	4	0	2,927	11,947
Total Liabilities	18	326	4,704	19,249
ASSETS	-	-	-	-
	2	2	3	38
	12	323	1,014	1,756
	0	0	0	0
Cash & Bank	3	0	111	107
	1	0	3,576	17,348
Total Assets	18	326	4,704	19,249
Total Debt	0	0	2,928	15,236
Net Working Capital	14	323	719	-2,084
Contingent Liabilities	0	0	0	0
Book Value per Share	5.73	9.30	10.04	10.31
Face Value	10.00	10.00	10.00	10.00
Total Debt	0	0	2,928	15,236
Net Working Capital	14	323	719	-2,084
Contingent Liabilities	0	0	0	0
Book Value per Share	5.73	9.30	10.04	10.31
Face Value	10.00	10.00	10.00	10.00

Mar 2011

Equity Capital: 21
: -9
: 0
Trade Payables: 2
: 4
Total Liabilities: 18
: 2
: 12
: 0
Cash & Bank: 3
: 1
Total Assets: 18
Total Debt: 0
Net Working Capital: 14
Contingent Liabilities: 0
Book Value per Share: 5.73
Face Value: 10.00
Total Debt: 0
Net Working Capital: 14
Contingent Liabilities: 0
Book Value per Share: 5.73
Face Value: 10.00

Mar 2017

Equity Capital: 350
: -25
: 0
Trade Payables: 0
: 0
Total Liabilities: 326
: 2
: 323
: 0
Cash & Bank: 0
: 0
Total Assets: 326
Total Debt: 0
Net Working Capital: 323
Contingent Liabilities: 0
Book Value per Share: 9.30
Face Value: 10.00
Total Debt: 0
Net Working Capital: 323
Contingent Liabilities: 0
Book Value per Share: 9.30
Face Value: 10.00

Mar 2018

Equity Capital: 1,550
: 6
: 186
Trade Payables: 36
: 2,927
Total Liabilities: 4,704
: 3
: 1,014
: 0
Cash & Bank: 111
: 3,576
Total Assets: 4,704
Total Debt: 2,928
Net Working Capital: 719
Contingent Liabilities: 0
Book Value per Share: 10.04
Face Value: 10.00
Total Debt: 2,928
Net Working Capital: 719
Contingent Liabilities: 0
Book Value per Share: 10.04
Face Value: 10.00

Mar 2019

Equity Capital: 3,550
: 108
: 3,596
Trade Payables: 49
: 11,947
Total Liabilities: 19,249
: 38
: 1,756
: 0
Cash & Bank: 107
: 17,348
Total Assets: 19,249
Total Debt: 15,236
Net Working Capital: -2,084
Contingent Liabilities: 0
Book Value per Share: 10.31
Face Value: 10.00
Total Debt: 15,236
Net Working Capital: -2,084
Contingent Liabilities: 0
Book Value per Share: 10.31
Face Value: 10.00

Cash Flows

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2011	Mar 2017	Mar 2018	Mar 2019
	-6	-0	-3,370	-13,367
Cash from Investing	4	-297	-633	-742
Cash from Financing	4	297	4,114	14,105
	2	0	111	-4
Free Cash Flow	-6	-1	-3,371	-13,409
OCF / Net Profit	0.85	-0.77	-285.13	-128.33
Cumulative 5-Year FCF	0	0	0	0
OCF / Net Profit	0.85	-0.77	-285.13	-128.33
Cumulative 5-Year FCF	0	0	0	0

Mar 2011

: -6
Cash from Investing: 4
Cash from Financing: 4
: 2
Free Cash Flow: -6
OCF / Net Profit: 0.85
Cumulative 5-Year FCF: 0
OCF / Net Profit: 0.85
Cumulative 5-Year FCF: 0

Mar 2017

: -0
Cash from Investing: -297
Cash from Financing: 297
: 0
Free Cash Flow: -1
OCF / Net Profit: -0.77
Cumulative 5-Year FCF: 0
OCF / Net Profit: -0.77
Cumulative 5-Year FCF: 0

Mar 2018

: -3,370
Cash from Investing: -633
Cash from Financing: 4,114
: 111
Free Cash Flow: -3,371
OCF / Net Profit: -285.13
Cumulative 5-Year FCF: 0
OCF / Net Profit: -285.13
Cumulative 5-Year FCF: 0

Mar 2019

: -13,367
Cash from Investing: -742
Cash from Financing: 14,105
: -4
Free Cash Flow: -13,409
OCF / Net Profit: -128.33
Cumulative 5-Year FCF: 0
OCF / Net Profit: -128.33
Cumulative 5-Year FCF: 0

Ratios

Consolidated Figures in Rs. Crores / View Standalone

	Mar 2017	Mar 2018	Mar 2019
PER SHARE	-	-	-
EPS (₹)	0.02	0.08	0.29
Book Value (₹)	9.30	10.04	10.31
Dividend per Share (₹)	0.00	0.00	0.00
Cash EPS (₹)	0.02	0.08	0.31
PROFITABILITY	-	-	-
Operating Margin %	27.57%	55.56%	72.62%
Net Margin %	16.22%	11.04%	9.06%
ROE %	0.36%	1.26%	4.00%
ROCE %	0.59%	2.47%	7.09%
	0.35%	0.47%	0.87%
EFFICIENCY	-	-	-
Debtor Days	0	0	1
Inventory Days	0	0	0
Payable Days	0	0	0
	0	0	1
FINANCIAL HEALTH	-	-	-
Debt to Equity (x)	0.00x	1.88x	4.16x
Interest Coverage (x)	2.89x	1.26x	1.21x
	1243.31x	2.76x	0.47x
GROWTH	-	-	-
Revenue Growth %	1088.92%	2792.97%	973.63%
Operating Profit Growth %	115.66%	5730.39%	1303.33%
Net Profit Growth %	108.62%	1870.00%	781.22%
	0.00%	0.00%	0.00%
VALUATION	-	-	-
P/E (x)	0.00x	0.00x	0.00x
P/B (x)	0.00x	0.00x	0.00x
Dividend Yield %	0.00%	0.00%	0.00%
	0.00x	0.00x	0.00x

Mar 2017

EPS (₹): 0.02
Book Value (₹): 9.30
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.02
Operating Margin %: 27.57%
Net Margin %: 16.22%
ROE %: 0.36%
ROCE %: 0.59%
: 0.35%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 0.00x
Interest Coverage (x): 2.89x
: 1243.31x
Revenue Growth %: 1088.92%
Operating Profit Growth %: 115.66%
Net Profit Growth %: 108.62%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2018

EPS (₹): 0.08
Book Value (₹): 10.04
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.08
Operating Margin %: 55.56%
Net Margin %: 11.04%
ROE %: 1.26%
ROCE %: 2.47%
: 0.47%
Debtor Days: 0
Inventory Days: 0
Payable Days: 0
: 0
Debt to Equity (x): 1.88x
Interest Coverage (x): 1.26x
: 2.76x
Revenue Growth %: 2792.97%
Operating Profit Growth %: 5730.39%
Net Profit Growth %: 1870.00%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Mar 2019

EPS (₹): 0.29
Book Value (₹): 10.31
Dividend per Share (₹): 0.00
Cash EPS (₹): 0.31
Operating Margin %: 72.62%
Net Margin %: 9.06%
ROE %: 4.00%
ROCE %: 7.09%
: 0.87%
Debtor Days: 1
Inventory Days: 0
Payable Days: 0
: 1
Debt to Equity (x): 4.16x
Interest Coverage (x): 1.21x
: 0.47x
Revenue Growth %: 973.63%
Operating Profit Growth %: 1303.33%
Net Profit Growth %: 781.22%
: 0.00%
P/E (x): 0.00x
P/B (x): 0.00x
Dividend Yield %: 0.00%
: 0.00x

Shareholding Pattern

Numbers in percentages

TRADES

	Mar 2023	Sep 2024	Dec 2024	Mar 2025	Jun 2025	Sep 2025	Dec 2025	Mar 2026	Jun 2026
	100.00	88.75	88.75	88.75	88.70	88.70	86.70	86.70	86.70
	0.00	1.68	1.00	1.01	0.94	0.86	0.94	0.99	0.90
	0.00	1.83	0.82	0.72	0.59	0.54	1.39	1.18	1.00
Government	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Public	0.00	7.64	9.32	9.41	9.66	9.86	10.97	11.13	11.38

Mar 2023

: 100.00
: 0.00
: 0.00
Government: 0.00
Public: 0.00

Sep 2024

: 88.75
: 1.68
: 1.83
Government: 0.00
Public: 7.64

Dec 2024

: 88.75
: 1.00
: 0.82
Government: 0.00
Public: 9.32

Mar 2025

: 88.75
: 1.01
: 0.72
Government: 0.00
Public: 9.41

Jun 2025

: 88.70
: 0.94
: 0.59
Government: 0.00
Public: 9.66

Sep 2025

: 88.70
: 0.86
: 0.54
Government: 0.00
Public: 9.86

Dec 2025

: 86.70
: 0.94
: 1.39
Government: 0.00
Public: 10.97

Mar 2026

: 86.70
: 0.99
: 1.18
Government: 0.00
Public: 11.13

Jun 2026

: 86.70
: 0.90
: 1.00
Government: 0.00
Public: 11.38

Documents

Announcements

Allotment of Securities
2026-08-20 - Bajaj Housing Finance Limited has informed the Exchange regarding allotment of 75000 Non-Convertible Debentures
Analysts/Institutional Investor Meet/Con. Call Updates
2026-08-19 - Bajaj Housing Finance Limited has informed the Exchange about Schedule of Analyst/Institutional Investor Meeting

Annual Reports

Annual Report FY2026
2026
Annual Report FY2025
2025

Credit Ratings

Nothing filed yet.

Concalls

Aug 2026
Transcript PPTREC
Jul 2026
TranscriptPPTREC
May 2026
Transcript PPTREC