Bajaj Housing Finance Limited
BAJAJHFL · General/Diversified · NSE
₹87
Current Market Price
Fair Value (DCF)
₹64
Discount to FV
-25.7%
Updated 2h ago
YieldIQ Score
38/100
Piotroski F-Score
3/9
Economic Moat
None
Confidence
14%
ROE
11.4%
Debt/Equity
4.60
WACC
12.8%
Market Cap
₹72,118 Cr
Quality & Valuation
Neutral model outputs — no recommendations.
ROCE
2.7%
Return on capital employed
EV / EBITDA
47.1×
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)
11.3%
3-year revenue growth
Revenue CAGR (5Y)
22.4%
5-year revenue growth
DCF Scenario Analysis
vs CMP ₹86.59
Bear case
Margin of Safety —
Implied upside -121.2%
Base case
Margin of Safety -53.1%
Implied upside -34.7%
Bull case
Margin of Safety -11.9%
Implied upside -10.6%
Ratio Trends
BAJAJHFL · last 5 annual periods
ROE
11.4%
ROCE
2.7%
Operating Margin
—
Debt / Equity
4.60×
PE
—
EV / EBITDA
—
Historical Financials
BAJAJHFL · Annual, last 5 years· amounts in ₹Cr unless noted
| Metric | 2022 yfinance | 2023 yfinance | 2024 yfinance | 2025 yfinance | 2026 yfinance | CAGR |
|---|---|---|---|---|---|---|
| Revenue | ₹3688 Cr | ₹5481 Cr | ₹7329 Cr | ₹9364 Cr | ₹11.0K Cr | +31.5% |
| EBITDA | ₹988 Cr | ₹1736 Cr | ₹2204 Cr | ₹2705 Cr | ₹3482 Cr | +37.0% |
| EBIT | ₹962 Cr | ₹1703 Cr | ₹2164 Cr | ₹2664 Cr | ₹3434 Cr | +37.4% |
| PAT | ₹710 Cr | ₹1258 Cr | ₹1731 Cr | ₹2163 Cr | ₹2560 Cr | +37.8% |
| EPS (diluted) | ₹0.85 | ₹1.51 | ₹2.08 | ₹2.67 | ₹3.07 | +37.8% |
| CFO | ₹-12.5K Cr | ₹-14.3K Cr | ₹-14.6K Cr | ₹-17.1K Cr | ₹-19.9K Cr | — |
| CapEx | ₹-29.1 Cr | ₹-33.8 Cr | ₹-43.0 Cr | ₹-41.0 Cr | ₹-47.9 Cr | — |
| FCF | ₹-12.5K Cr | ₹-14.4K Cr | ₹-14.6K Cr | ₹-17.1K Cr | ₹-19.9K Cr | — |
| Total Assets | ₹48.5K Cr | ₹64.7K Cr | ₹81.8K Cr | ₹102.8K Cr | ₹127.1K Cr | +27.2% |
| Total Debt | ₹29.1K Cr | ₹53.7K Cr | ₹69.1K Cr | ₹82.1K Cr | ₹103.7K Cr | +37.4% |
| Shareholders' Equity | ₹6741 Cr | ₹10.5K Cr | ₹12.2K Cr | ₹19.9K Cr | ₹22.5K Cr | +35.2% |
CAGR computed across the visible window. Signs reverse if start value is zero or negative.
Peer Comparison
BAJAJHFL vs 2 closest peers by market-cap band
| Peer | MoS | Score | Verdict | ROE | PE |
|---|---|---|---|---|---|
 PNBHOUSING PNB Housing Finance Limited | +4.1%+4.3% upside | 23 | Near Fair Value | 11.9% | — |
AADHARHFC Aadhar Housing Finance Limited | +1.5%+1.5% upside | 54 | Near Fair Value | 14.5% | — |
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 86.59 vs a model fair value of 64.30, a gap of -25.7%. Piotroski F-score: 3/9. Moat...
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Market-implied growth
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Risk profile of BAJAJHFL →
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ROE decomposition
Why ROE is what it is →
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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.