Bajaj Housing Finance Limited
BAJAJHFL · General/Diversified · NSE
₹89
Current Market Price
Fair Value (DCF)
₹71
Margin of Safety
-20.8%
Updated just now
YieldIQ Score
25/100
Piotroski F-Score
5/9
Economic Moat
Moderate
Confidence
15%
ROE
10.8%
Debt/Equity
0.00
WACC
12.8%
Market Cap
₹0.74 Lakh Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
330.0%
Return on capital employed
EV / EBITDA
48.5×
Enterprise multiple
Debt / EBITDA
25.3×
Leverage vs earnings
Interest Coverage
755.8×
EBIT covers interest
Current Ratio
0.27×
Short-term liquidity
Asset Turnover
0.10×
Revenue per ₹ of assets
Revenue CAGR (3Y)
22.7%
3-year revenue growth
Revenue CAGR (5Y)
—
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹89
Bear case
₹42.92
MoS -107.4%
Base case
₹70.5
MoS -26.2%
Bull case
₹85.83
MoS -3.7%
Ratio Trends
BAJAJHFL · last 4 annual periods
ROE
10.8%
ROCE
2.8%
Operating Margin
—
Debt / Equity
4.11×
PE
—
EV / EBITDA
—
Historical Financials
BAJAJHFL · Annual, last 4 years· amounts in ₹Cr unless noted
| Metric | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | ₹3688 Cr | ₹5481 Cr | ₹7329 Cr | ₹9179 Cr | +35.5% |
| EBITDA | ₹988 Cr | ₹1736 Cr | ₹2204 Cr | ₹2815 Cr | +41.8% |
| EBIT | — | — | — | — | — |
| PAT | ₹710 Cr | ₹1258 Cr | ₹1731 Cr | ₹2163 Cr | +45.0% |
| EPS (diluted) | — | — | — | — | — |
| CFO | ₹-12.5K Cr | ₹-14.3K Cr | ₹-14.6K Cr | ₹-17.1K Cr | — |
| CapEx | ₹-29.1 Cr | ₹-33.8 Cr | ₹-43.0 Cr | ₹-41.0 Cr | — |
| FCF | ₹-12.5K Cr | ₹-14.4K Cr | ₹-14.6K Cr | ₹-17.1K Cr | — |
| Total Assets | ₹48.5K Cr | ₹64.7K Cr | ₹81.8K Cr | ₹102.8K Cr | +28.4% |
| Total Debt | ₹41.5K Cr | ₹53.7K Cr | ₹69.1K Cr | ₹82.1K Cr | +25.5% |
| Shareholders' Equity | ₹6741 Cr | ₹10.5K Cr | ₹12.2K Cr | ₹19.9K Cr | +43.6% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
BAJAJHFL vs 3 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
| LICHSGFIN LICHSGFIN | — | — | Pending | 15.0% | — |
| PNBHOUSING PNBHOUSING | — | — | Pending | 11.5% | — |
| AADHARHFC AADHARHFC | — | — | Pending | 14.3% | — |
Click a ticker to view its fair-value analysis.
Dividend History
No dividend events recorded for BAJAJHFL in the last 10 years.
AI Analysis Summary
Model-generated description of metrics. Not investment advice. Bajaj Housing Finance Limited (BAJAJHFL.NS) trades at 89.00 vs a model fair value of 70.50, a gap of -20.8%. Piotroski F-score: 5/9. Moat...
Read full AI analysis →Reverse DCF
Market-implied growth
What FCF growth is priced in →
Risk Analysis
Volatility & drawdown
Risk profile of BAJAJHFL →
DuPont
ROE decomposition
Why ROE is what it is →
Technicals
RSI, MACD, MAs
Reference indicators →
News & Filings
Recent activity
BSE filings + news for BAJAJHFL →
Compare
Head-to-head with peers
Compare BAJAJHFL side by side →
Run Full Interactive Analysis
Interactive DCF sliders, sensitivity heatmap, peer comparison, and more.
Analyse BAJAJHFLNow →Model estimates using publicly available data. Not investment advice. YieldIQ is not registered with SEBI as an investment adviser or research analyst. Past performance does not guarantee future results.