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Bajaj Housing Finance Ltd

BAJAJHFL Share Price

124.076.22% (-8.23)

BAJAJHFL Share Price Chart

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FinancialsConsumer Finance
LargecapWith a market cap of ₹1,10,236 cr, stock is ranked 84
Moderate RiskStock is 2.80x as volatile as Nifty

How to use scorecard? Learn more

FinancialsConsumer Finance
LargecapWith a market cap of ₹1,10,236 cr, stock is ranked 84
Moderate RiskStock is 2.80x as volatile as Nifty

BAJAJHFL Performance & Key Metrics

No LabelNo LabelPB RatioPB RatioDividend YieldDiv. Yield
50.979.01
Sector PESector PESector PBSector PBSector Div YldSctr Div Yld
17.842.580.96%

BAJAJHFL Analyst Ratings & Forecast

Detailed Forecast 
25%
Analysts have suggested that investors can buy this stock

from 4 analysts

Price Upside

Earnings Growth

Rev. Growth

See Detailed Forecast

BAJAJHFL Company Profile

Bajaj Housing Finance Limited offers a range of housing finance products, including home loans and loans against property, catering to individuals and corporate clients.

Investor Presentation

View older 

Jan 27, 2025

PDF
View Older Presentations

BAJAJHFL Similar Stocks (Peers)

Compare with peers 
PE Ratio
39.96
1Y Return
26.90%
Buy Reco %
80.00
PE Ratio
102.23
1Y Return
32.23%
Buy Reco %
0.00
PE Ratio
17.78
1Y Return
41.54%
Buy Reco %
96.88
PE Ratio
38.06
1Y Return
32.43%
Buy Reco %
75.76
PE Ratio
19.97
1Y Return
30.90%
Buy Reco %
63.16
Compare with Peers
BAJAJHFL Sentiment Analysis
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Crisp summary & key insights to decode earnings calls instantly

BAJAJHFL Stock Summary · January 2025

In Q3 FY25, the company demonstrated robust growth with a 26% increase in Assets Under Management, driven by strategic initiatives in affordable home loans and developer financing, despite competitive pressures compressing net interest margins. Operating efficiency improved significantly, with a targeted reduction in operating expenses, while maintaining a stable asset quality with low non-performing assets. The focus on new verticals and a conservative approach to provisioning positions the company well for future growth, even amid potential economic fluctuations. Management remains optimistic about achieving a 24% to 26% growth in home loans, leveraging digital channels and a strong risk management framework to navigate market dynamics effectively.

Key Points on Bajajhfl Stock
BAJAJHFL Stock Growth Drivers
8
  • Strong Financial Performance

    Bajaj Housing Finance reported a robust financial performance in Q3 FY25, achieving a 26% increase

  • Stable Asset Quality

    The company maintained stable asset quality, with Gross Non-Performing Assets (GNPA) at 0.29% and Net

BAJAJHFL Stock Challenges
6
  • Declining Profitability Metrics

    The company has experienced a decrease in key profitability metrics, including a slight reduction in

  • Increasing Non-Performing Assets

    The company reported an increase in Net Non-Performing Assets (NNPA) from 10 basis points to

BAJAJHFL Forecasts

Price

Revenue

Earnings

BAJAJHFL

Income

Balance Sheet

Cash Flow

BAJAJHFL Income Statement

Industry refers to the sub-sector this company belongs to.
Higher than Industry Revenue Growth
A higher-than-industry revenue growth represents increased potential for the company to increase their market share

Over the last 5 years, revenue has grown at a yearly rate of 45.81%, vs industry avg of 15.17%

Increasing Market Share
Market share is the percentage of an industry's total sales going to a particular company. It gives a general idea of the size of a company v/s its competitors

Over the last 5 years, market share increased from 0.92% to 3.24%

Higher than Industry Net Income
Net income is equal to net earnings (profit) less expenses. This number is an important measure of how profitable the company is

Over the last 5 years, net income has grown at a yearly rate of 73.6%, vs industry avg of 20.9%

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Financial YearFY 2017FY 2018FY 2019FY 2020FY 2021FY 2022FY 2023FY 2024FY 2025TTM
Total Revenue3.16105.951,155.752,646.233,155.283,767.135,665.447,617.719,575.969,575.97
Raw Materialssubtract3.036,764.586,764.58
Power & Fuel Costsubtract
Employee Costsubtract18.14218.93248.51245.76348.80435.14465.63
Selling & Administrative Expensessubtract
Operating & Other expensessubtract76.81781.301,807.132,274.572,432.713,496.844,951.16
Depreciation/Amortizationsubtract0.010.156.8223.1421.7725.7633.4039.6041.1541.15
Interest & Other Itemssubtract
Taxes & Other Itemssubtract0.000.7038.90146.12159.99250.24442.26430.10607.33607.33
EPS0.010.110.431.000.931.452.172.582.673.22
DPS0.000.000.000.000.000.000.000.000.000.00
Payout ratio0.000.000.000.000.000.000.000.000.000.00

BAJAJHFL Company Updates

Annual Report and Investor Presentation updates mentioned here are as reported by the company to the exchange
FY 2025

Annual Report Pending

Investor Presentation

Jan 27PDF
Oct 21PDF
 

BAJAJHFL Past Performance & Peer Comparison

Comparing 3 stocks from 
FinancialsConsumer Finance

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StockPE RatioPE RatioPB RatioPB RatioDiv. YieldDividend Yield
Bajaj Housing Finance Ltd50.979.01
Bajaj Finance Ltd39.967.530.39%
Jio Financial Services Ltd102.231.180.19%
Shriram Finance Ltd17.782.641.29%

BAJAJHFL Stock Price Comparison

Compare BAJAJHFL with any stock or ETF
Compare BAJAJHFL with any stock or ETF
BAJAJHFL
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BAJAJHFL Shareholdings

BAJAJHFL Promoter Holdings Trend

Total Promoter Holding
Increasing promoter holding is considered good and reflects management’s positive view about the future outlook

In last 6 months, promoter holding in the company has almost stayed constant

Low Pledged Promoter Holding
Lower pledged promoter holdings is considered better

Pledged promoter holdings is insignificant

BAJAJHFL Institutional Holdings Trend

Total Retail Holding
Increasing retail holding can be considered bad as it can reflect that institutions and promoters are selling their stake which is being absorbed by retail investors.

In last 3 months, retail holding in the company has almost stayed constant

Foreign Institutional Holding
Foreign Institutional Holding is quantum of stock held by foreign large-quantities-trading entities. Increasing value indicates growing support and comfort for the stock

In last 3 months, foreign institutional holding of the company has almost stayed constant

Tickertape Separator

BAJAJHFL Shareholding Pattern

Retail and OthersForeign InstitutionsOther Domestic InstitutionsMutual FundsTotal Promoter Holding88.75%0.45%0.27%1.12%9.41%

Jun 2024

Sep 2024

Dec 2024

Mar 2025

BAJAJHFL Shareholding History

JunSepDec '24Mar0.00%1.68%1.11%1.12%

Mutual Funds Invested in BAJAJHFL

Mutual Fund Holding
Increasing Mutual Fund holdings are generally considered good, as it reflects that fund managers are becoming more bullish about the stock

In last 3 months, mutual fund holding of the company has almost stayed constant

Top 5 Mutual Funds holding Bajaj Housing Finance Ltd




Funds (Top 5)Market-cap heldWeight3M holding changePortfolio rank
(3M change)
0.0402%0.51%-0.46%62/91 (-1)
0.0325%4.27%1.53%29/66 (-2)
0.0322%0.10%-0.00%46/48 (-2)

Compare 3-month MF holding change on Screener

BAJAJHFL Insider Trades & Bulk Stock Deals

Hmm, looks like there hasn't been any net deal activity in the last 6 months

smallcases containing BAJAJHFL stock

A smallcase is a basket of stocks/ETFs that represents an idea or theme.Diversify your risk and buy smallcases that have Bajaj Housing Finance Ltd

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House of Bajaj

House of Bajaj

Created by Windmill Capital

BAJAJHFL's Wtg.
11.32%
CAGR
6.49%

BAJAJHFL Events

BAJAJHFL Dividend Trend

No Dividends
Dividends are the portion of earnings that a company distributes to all its shareholders every year

BAJAJHFL has not given any dividends in last 5 years

Dividends

Corp. Actions

Announcements

Legal Orders

BAJAJHFL Dividends

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BAJAJHFL Stock News & Opinions

Corporate
Bajaj Housing Finance to conduct AGM

Bajaj Housing Finance announced that the 17th Annual General Meeting(AGM) of the company will be held on 23 July 2025.Powered by Capital Market - Live

2 hours agoCapital Market - Live
Spotlight
Bajaj Housing Finance gains as Q4 PAT rallies 54% YoY to Rs 587 crore

Net Interest Income (NII) for Q4 FY25 stood at Rs 823 crore, up 31% as against Rs 629 crore in Q4 FY24. Profit before tax in the March 2025 quarter stood at Rs 719.75 crore, up 47.42% from Rs 488.22 crore posted in the corresponding quarter of the previous fiscal year. The ratio of operating expenses to net total income for Q4 FY25 was 21.7%, reflecting a decline from 27% in Q4 FY24. Loan losses and provisions for Q4 FY25 amounted to Rs 30 crore, compared to Rs 35 crore in Q4 FY24. Assets under management (AUM) grew by 26% to Rs 1,14,684 crore as of 31 March 2025, compared to Rs 91,370 crore as of 31 March 2024. As of 31 March 2025, the gross NPA and net NPA stood at 0.29% and 0.11 %, respectively, compared to 0.27% and 0.10% as of 31 March 2024. The provisioning coverage ratio for stage 3 assets was at 60%. The annualized return on average assets (ROA) for Q4 FY25 was 2.4%, compared with 2% in Q4 FY24. The annualized return on average equity (ROE) for Q4 FY25 was 12.1%, compared to 12.7% in Q3 FY24. The capital adequacy ratio stood at 28.24% as of 31 March 2025, as against the regulatory requirement of 15%. Out of the total CRAR, Tier-1 was 27.72%. On a full-year basis, the company's net profit advanced 24.93% to Rs 2,162.90 crore on a 25.70% jump in revenue from operations to Rs 9,575.61 crore in FY25 over FY24. Bajaj Housing Finance is a non-deposit-taking housing finance company (HFC) registered with the National Housing Bank (NHB) since 2015 and has been offering mortgage loans. Powered by Capital Market - Live

1 day agoCapital Market - Live
Earnings
Bajaj Housing Finance standalone net profit rises 53.85% in the March 2025 quarter

Net profit of Bajaj Housing Finance rose 53.85% to Rs 586.68 crore in the quarter ended March 2025 as against Rs 381.34 crore during the previous quarter ended March 2024. Sales rose 25.78% to Rs 2498.67 crore in the quarter ended March 2025 as against Rs 1986.56 crore during the previous quarter ended March 2024. For the full year,net profit rose 24.94% to Rs 2162.90 crore in the year ended March 2025 as against Rs 1731.22 crore during the previous year ended March 2024. Sales rose 25.71% to Rs 9528.16 crore in the year ended March 2025 as against Rs 7579.35 crore during the previous year ended March 2024. ParticularsQuarter EndedYear EndedMar. 2025Mar. 2024% Var.Mar. 2025Mar. 2024% Var. Sales2498.671986.56 26 9528.167579.35 26 OPM %91.3289.48 -92.2690.95 - PBDT730.84498.42 47 2811.382200.92 28 PBT719.75488.22 47 2770.232161.32 28 NP586.68381.34 54 2162.901731.22 25 Powered by Capital Market - Live

1 day agoCapital Market - Live
Corporate
Bajaj Housing Finance allots NCDs aggregating Rs 1503 cr

Bajaj Housing Finance has allotted 1,50,000 NCDs of face value of Rs 1,00,000 each, aggregating to Rs 1503.04 crore on private placement basis on 09 April 2025. Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
Bajaj Housing Finance gross disbursement climbs 25% YoY in Q4

Assets under management (AUM) grew by 26% to approximately Rs 1,14,680 crore as of 31 March 2025 as compared to Rs 91,370 crore as of 31 March 2024. AUM in Q4 FY25 grew by approximately Rs 6,365 crore. The company's loan assets (AR) stood at approximately Rs 99,500 crore as of 31 March 2025 as compared to Rs 79,301 crore as of 31 March 2024. Meanwhile, the company's board is scheduled to meet on 23rd April 2025, to consider and approve the audited standalone financial results for the quarter and year ended 31 March 2025. Bajaj Housing Finance (BHFL) is India's largest non-deposit-taking housing finance company (HFC) registered with the National Housing Bank (NHB). The company's standalone net profit jumped 25.4% to Rs 548.02 crore on 25.8% increase in total income to Rs 2448.98 crore in Q3 FY25 over Q3 FY24. The counter declined 4.56% to Rs 116.05 on the BSE.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Corporate
Bajaj Housing Finance to declare Quarterly Result

Bajaj Housing Finance will hold a meeting of the Board of Directors of the Company on 23 April 2025.Powered by Capital Market - Live

2 weeks agoCapital Market - Live
Spotlight
Bajaj Housing Finance PAT jumps 25% YoY to Rs 548 crore in Q3 FY25

Net Interest Income (NII) for Q3 FY25 stood at Rs 806 crore, up 24.96% as against Rs 645 crore in Q3 FY24. Profit before tax in the December 2024 quarter stood at Rs 713.02 crore, up 24.68% from Rs 571.86 crore posted in the corresponding quarter of the previous fiscal. The ratio of operating expenses to net total income for Q3 FY25 was 19.8%, reflecting an improvement from 23.2% in Q3 FY24. Loan losses and provisions for Q3 FY25 amounted to Rs 35 crore, compared to Rs 1 crore in Q3 FY24. Assets under management (AUM) grew by 26% to Rs 1,08,314 crore as of 31 December 2024, compared to Rs 85,929 crore as of 31 December 2023. As of 31 December 2024, the gross NPA and net NPA stood at 0.29% and 0.13%, respectively, compared to 0.25% and 0.10% as of 31 December 2023. The provisioning coverage ratio for stage 3 assets was at 55%. The annualized return on average assets for Q3 FY25 was 2.4%, maintaining the same level as in Q3 FY24. The annualized return on average equity for Q3 FY25 was 11.5%, compared to 15.0% in Q3 FY24, driven by primary capital infusion through the IPO of Rs 3,560 crore. The capital adequacy ratio (including Tier-II capital) as of 31 December 2024 stood at 27.86%. Bajaj Housing Finance (BHFL) is India's largest non-deposit-taking housing finance company (HFC) registered with the National Housing Bank (NHB) since 24 September 2015. The company is a part of the Bajaj Group, a diversified business group that has been in existence for a century. It has undertaken mortgage lending since FY2018 and is categorized as an Upper Layer NBFC (NBFC-UL) by the Reserve Bank of India (RBI) since September 2022. BHFL has emerged as the second largest HFC within seven years of commencing mortgage operations. The eighth largest NBFC-ULs by AUMs end March 2024 is the second most profit-making HFC in India, recording the second highest loan disbursement by HFCs in India in FY2024 and Q1 FY2025. It has the second highest AUM per branch and AUM per employee among large HFCs. Shares of Bajaj Housing Finance declined 1.98% to Rs 103.75 on the BSE.Powered by Capital Market - Live

2 months agoCapital Market - Live
Earnings
Bajaj Housing Finance standalone net profit rises 25.41% in the December 2024 quarter

Net profit of Bajaj Housing Finance rose 25.41% to Rs 548.02 crore in the quarter ended December 2024 as against Rs 436.97 crore during the previous quarter ended December 2023. Sales rose 25.91% to Rs 2435.16 crore in the quarter ended December 2024 as against Rs 1934.00 crore during the previous quarter ended December 2023. ParticularsQuarter EndedDec. 2024Dec. 2023% Var. Sales2435.161934.00 26 OPM %91.9492.15 - PBDT723.15581.85 24 PBT713.02571.86 25 NP548.02436.97 25 Powered by Capital Market - Live

2 months agoCapital Market - Live
Corporate
Bajaj Housing Finance schedules board meeting

Bajaj Housing Finance will hold a meeting of the Board of Directors of the Company on 27 January 2025.Powered by Capital Market - Live

3 months agoCapital Market - Live
Corporate
Bajaj Housing Finance allots NCDs aggregating to Rs 500 cr

Bajaj Housing Finance has allotted 50,000 NCDs at face value of Rs 1 lakh each aggregating to Rs 500 crore on private placement basis on 20 December 2024. Powered by Capital Market - Live

4 months agoCapital Market - Live

Frequently asked questions

  1. What is the share price of Bajaj Housing Finance Ltd (BAJAJHFL) today?

    The share price of BAJAJHFL as on 25th April 2025 is ₹124.07. The stock prices are volatile and keep changing through the day depending upon various factors and market conditions.

  2. What is the return on Bajaj Housing Finance Ltd (BAJAJHFL) share?

    The past returns of Bajaj Housing Finance Ltd (BAJAJHFL) share are
    • Past 1 week: 1.84%
    • Past 1 month: 4.63%
    • Past 3 months: 21.22%
    • Past 6 months: 0.76%
    • Past 1 year: -19.82%
    • Past 3 years: N/A%
    • Past 5 years: -19.82%

  3. What are the peers or stocks similar to Bajaj Housing Finance Ltd (BAJAJHFL)?
  4. What is the market cap of Bajaj Housing Finance Ltd (BAJAJHFL) share?

    Market capitalization, short for market cap, is the market value of a publicly traded company's outstanding shares. The market cap of Bajaj Housing Finance Ltd (BAJAJHFL) is ₹110236.79 Cr as of 25th April 2025.

  5. What is the 52 week high and low of Bajaj Housing Finance Ltd (BAJAJHFL) share?

    The 52-week high of Bajaj Housing Finance Ltd (BAJAJHFL) is ₹188.50 and the 52-week low is ₹103.10.

  6. What is the PE and PB ratio of Bajaj Housing Finance Ltd (BAJAJHFL) stock?

    The P/E (price-to-earnings) ratio of Bajaj Housing Finance Ltd (BAJAJHFL) is 50.97. The P/B (price-to-book) ratio is 9.01.

  7. Which sector does Bajaj Housing Finance Ltd (BAJAJHFL) belong to?

    Bajaj Housing Finance Ltd (BAJAJHFL) belongs to the Financials sector & Consumer Finance sub-sector.

  8. How to buy Bajaj Housing Finance Ltd (BAJAJHFL) shares?

    You can directly buy Bajaj Housing Finance Ltd (BAJAJHFL) shares on Tickertape. Simply sign up, connect your demat account and place your order.