| Annual Financials | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
Revenue  | 265 | 3,155 | 3,767 | 5,665 | 7,618 | 9,576 | 10,330 |
| Expenses | 44 | 555 | 626 | 721 | 724 | 785 | 933 |
| EBITDA | 221 | 2,601 | 3,141 | 4,945 | 6,894 | 8,791 | 9,397 |
| Operating Profit % | 83 % | 82 % | 83 % | 87 % | 90 % | 92 % | 91 % |
| Depreciation | 2 | 22 | 26 | 33 | 40 | 41 | 44 |
| Interest | 162 | 1,966 | 2,155 | 3,211 | 4,693 | 5,979 | 6,331 |
| Profit Before Tax | 57 | 613 | 960 | 1,700 | 2,161 | 2,770 | 3,022 |
| Tax | 15 | 160 | 250 | 442 | 430 | 607 | 680 |
| Net Profit | 42 | 453 | 710 | 1,258 | 1,731 | 2,163 | 2,361 |
| EPS in ₹ | 1.12 | 0.93 | 1.45 | 1.88 | 2.58 | 2.67 | 2.80 |
Bajaj Housing Finance
Bajaj Housing Finance
109.60
+0.22
(0.20%)
Company has added their latest Presentation18 hours ago
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Key Fundamentals
Market Cap
91,322.39 Cr
EPS
2.67
PE Ratio
40.20
Dividend Yield
0.00 %
Industry
Financial Services 52 Week High
147.70
52 Week Low
103.10
PB Ratio
4.57
Debt to Equity
4.70
Sector
Housing Finance Analyst Rating and Forecast
- By Refinitiv from8 analysts
Actual
Company News
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Bajaj Housing Finance has revised its Assets Under Management (AUM) growth guidance downward to 21-23% from the previously projected 24-26% for FY26. This represents a reduction of approximately 3 percentage points from the company's earlier growth expectations.
Bajaj Housing Finance has announced several medium-term financial targets during a conference call. The company set its Gross Non-Performing Assets (GNPA) guidance between 40-60 basis points with credit costs projected at 20-25 basis points. The housing finance company targets an operating expenses to net income ratio of 14-15% over the next 3-4 years and aims to achieve a gearing ratio of 7-7.5 times within 2-2.5 years. The company indicated that its capital raising plans for FY25 have contributed to a reduced return on equity.
Bajaj Housing Finance has provided guidance for 24% year-over-year Assets Under Management (AUM) growth while maintaining asset quality with Gross Non-Performing Assets (GNPA) at 0.26%. The company aims to sustain a 2.3% Return on Assets (ROA) through digital onboarding initiatives, cost efficiency measures targeting operational expenses to net total income ratio below 20%, and a diversified portfolio spanning home loans, loan against property, and developer finance. The housing finance company plans to expand its branch network to 250 branches by FY27 and increase its retail book share to above 55%.
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Peer Comparison Compare Peers on Screener
Competitors | LTP | Market Cap (₹ Cr.) | P/E Ratio | Revenue (₹ Cr.) | YoY Revenue Growth % | Net Profit (₹ Cr.) | YoY Profit Growth % | RSI |
|---|---|---|---|---|---|---|---|---|
109.60 | #1 91,322.39 | #10 40.20 | #2 9,576.00 | #4 25.71 | #2 2,163 | #8 17.85 | 43.96 | |
564.00 | 31,023.55 | #1 5.68 | #1 28,110.70 | 3.05 | #1 5,443 | 1.63 | 46.66 | |
892.70 | 23,255.60 | 11.01 | 7,691.60 | 8.99 | 1,936 | 23.82 | 55.34 | |
484.05 | 20,963.85 | 22.77 | 3,108.90 | 20.17 | 912 | 18.59 | 39.46 | |
184.34 | 15,269.95 | 12.11 | 8,683.30 | 0.68 | -1,808 | #1 111.17 | 68.37 | |
288.65 | 14,450.92 | 17.51 | 1,798.40 | 27.62 | 751 | 24.51 | 36.21 | |
1,586.90 | 12,562.12 | 25.88 | 2,020.70 | 25.46 | 491 | 14.85 | 41.82 | |
1,130.10 | 11,703.38 | 25.99 | 1,539.20 | 33.09 | 382 | 43.06 | 36.68 | |
865.85 | 11,529.15 | 12.68 | 3,879.60 | 10.07 | 857 | 18.87 | 71.06 | |
843.50 | 9,128.87 | 20.76 | 1,175.90 | #1 36.51 | 378 | 35.41 | 35.85 |
Automatic Screeners on ScanX
Growth Rate
Revenue Growth
25.71 %
Net Income Growth
24.94 %
Cash Flow Change
-16.95 %
ROE
-23.39 %
ROCE
0.34 %
EBITDA Margin (Avg.)
1.45 %
Yearly Financial Results
Balance Sheet
| Balance Sheet | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Total Assets | 3,137 | 37,858 | 48,527 | 64,654 | 81,827 | 1,02,809 |
| Fixed Assets | 9 | 79 | 97 | 113 | 123 | 141 |
| Current Assets | 80 | 1,079 | 683 | 426 | 413 | 577 |
| Capital Work in Progress | 0 | 0 | 2 | 0 | 1 | 1 |
| Investments | 251 | 3,266 | 1,248 | 2,001 | 1,939 | 2,533 |
| Other Assets | 2,878 | 34,514 | 47,180 | 62,540 | 79,765 | 1,00,135 |
| Total Liabilities | 3,137 | 37,858 | 48,527 | 64,654 | 81,827 | 1,02,809 |
| Current Liabilities | 169 | 3,087 | 4,291 | 960 | 4,034 | 3,835 |
| Non Current Liabilities | 2,410 | 28,739 | 37,495 | 53,191 | 65,560 | 79,027 |
| Total Equity | 559 | 6,032 | 6,741 | 10,503 | 12,234 | 19,947 |
| Reserve & Surplus | 70 | 1,149 | 1,858 | 3,791 | 5,521 | 11,619 |
| Share Capital | 488 | 4,883 | 4,883 | 6,712 | 6,712 | 8,328 |
Cash Flow
| Cash Flow | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
| Net Cash Flow | 55 | -197 | -55 | -313 | -30 | -2 |
| Investing Activities | -69 | -797 | 2,197 | -611 | -555 | -798 |
| Operating Activities | -1,024 | -5,076 | -12,481 | -14,332 | -14,600 | -17,075 |
| Financing Activities | 1,149 | 5,676 | 10,229 | 14,630 | 15,125 | 17,870 |
Share Holding
| % Holding | Jun 2024 | Sept 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sept 2025 |
| Promoter | 100.00 % | 88.75 % | 88.75 % | 88.75 % | 88.70 % | 88.70 % |
| FIIs | 0.00 % | 1.67 % | 1.11 % | 1.12 % | 1.04 % | 0.90 % |
| DIIs | 0.00 % | 1.94 % | 0.82 % | 0.72 % | 0.60 % | 0.54 % |
| Government | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % | 0.00 % |
| Public / Retail | 0.00 % | 7.01 % | 8.60 % | 8.62 % | 8.69 % | 8.87 % |
| Others | 0.00 % | 0.63 % | 0.72 % | 0.79 % | 0.96 % | 0.99 % |
| No of Share Holders | 7 | 17,34,270 | 26,45,570 | 26,05,370 | 25,10,340 | 24,45,280 |
Corporate Action
| Record Date | Corporate Action | Information | Announcement Day | LTP at Annoucement | LTP at Record Day |
|---|---|---|---|---|---|
| 21 Oct 2024 |  Quarterly Result Announcement | NA | 21 Oct 2024 | 150.60 | 139.33 |
| 27 Jan 2025 | Quarterly Result Announcement | NA | 27 Jan 2025 | 126.08 | 109.15 |
| 23 Apr 2025 | Quarterly Result Announcement | NA | 23 Apr 2025 | 121.60 | 131.16 |
| 23 Jul 2025 | Quarterly Result Announcement | NA | 23 Jul 2025 | 122.05 | 121.46 |
| 23 Jul 2025 |  Annual General Meeting | NA | 23 Jul 2025 | 131.16 | 121.46 |
| 06 Nov 2025 | Quarterly Result Announcement | NA | 06 Nov 2025 | 109.43 | 109.60 |
Announcements
Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - Outcome
12 hours ago
12 hours agoAnnouncement under Regulation 30 (LODR)-Investor Presentation18 hours ago
18 hours agoUnaudited Financial Results For The Quarter And Half Year Ended 30 September 202519 hours ago
19 hours agoBoard Meeting Outcome for Outcome Of Board Meeting Held On 06 November 202519 hours ago
19 hours agoAnnouncement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationOct 24, 2025
Oct 24, 2025Board Meeting Intimation for Considering And Approving Unaudited Standalone Financial Results For The Quarter And Half Year Ended 30 September 2025Oct 18, 2025
Oct 18, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesOct 13, 2025
Oct 13, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Oct 06, 2025
Oct 06, 2025Information Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 Read With Schedule A Of Regulation 8 Of SEBI (Prohibition Of Insider Trading) Regulations 2015Oct 03, 2025
Oct 03, 2025Closure of Trading WindowSep 26, 2025
Sep 26, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesSep 16, 2025
Sep 16, 2025Announcement under Regulation 30 (LODR)-Code of Conduct under SEBI (PIT) Regulations 2015Sep 15, 2025
Sep 15, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 26, 2025
Aug 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationAug 02, 2025
Aug 02, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptJul 28, 2025
Jul 28, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 26, 2025
Jul 26, 2025Announcement under Regulation 30 (LODR)-Monitoring Agency ReportJul 24, 2025
Jul 24, 2025Shareholder Meeting / Postal Ballot-Scrutinizers ReportJul 24, 2025
Jul 24, 2025Shareholder Meeting / Postal Ballot-Outcome of AGMJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - OutcomeJul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Investor PresentationJul 23, 2025
Jul 23, 2025Unaudited Financial Results For The Quarter Ended 30 June 2025Jul 23, 2025
Jul 23, 2025Board Meeting Outcome for Outcome Of Board Meeting Held On 23 July 2025Jul 23, 2025
Jul 23, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJul 17, 2025
Jul 17, 2025Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations 2018Jul 11, 2025
Jul 11, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJul 10, 2025
Jul 10, 2025Announcement under Regulation 30 (LODR)-Analyst / Investor Meet - IntimationJul 07, 2025
Jul 07, 2025Information Under Regulation 30 Of SEBI (Listing Obligations And Disclosure Requirements) Regulations 2015 Read With Schedule A Of Regulation 8 Of SEBI (Prohibition Of Insider Trading) Regulations 2015Jul 03, 2025
Jul 03, 2025Announcement under Regulation 30 (LODR)-Newspaper PublicationJul 01, 2025
Jul 01, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJul 01, 2025
Jul 01, 2025Business Responsibility and Sustainability Reporting (BRSR)Jun 30, 2025
Jun 30, 2025Notice Of 17Th Annual General Meeting Scheduled On 23 July 2025Jun 30, 2025
Jun 30, 2025Reg. 34 (1) Annual Report.Jun 30, 2025
Jun 30, 2025Closure of Trading WindowJun 30, 2025
Jun 30, 2025Board Meeting Intimation for Considering And Approving The Unaudited Financial Results Of The Company For The Quarter Ending 30 June 2025.Jun 30, 2025
Jun 30, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJun 12, 2025
Jun 12, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesJun 05, 2025
Jun 05, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesMay 26, 2025
May 26, 2025Compliances-Reg.24(A)-Annual Secretarial ComplianceMay 24, 2025
May 24, 2025Shareholder Meeting / Postal Ballot-Outcome of Postal_BallotMay 08, 2025
May 08, 2025Announcement under Regulation 30 (LODR)-Issue of SecuritiesMay 02, 2025
May 02, 2025Announcement under Regulation 30 (LODR)-Earnings Call TranscriptApr 29, 2025
Apr 29, 2025Announcement under Regulation 30 (LODR)-Monitoring Agency ReportApr 26, 2025
Apr 26, 2025Announcement under Regulation 30 (LODR)-Meeting UpdatesApr 23, 2025
Apr 23, 2025Mutual Fund Holdings
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RSI(14)
Neutral 43.96
ATR(14)
Less Volatile 1.46
STOCH(9,6)
Neutral 40.41
STOCH RSI(14)
Neutral 50.91
MACD(12,26)
Bullish 0.09
ADX(14)
Weak Trend 10.67
UO(9)
Bearish 43.72
ROC(12)
Downtrend But Slowing Down -0.05
WillR(14)
Neutral -79.06
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