Bajaj Housing

Why is Bajaj Housing Finance Ltd falling/rising?

As of 16-Aug, Bajaj Housing Finance Ltd's stock price is at 84.32, having declined 0.07% and underperformed against the Sensex with a year-to-date drop of 10.63%. Despite strong long-term fundamentals, recent price declines and reduced investor activity indicate a bearish trend.

As of 16-Aug, Bajaj Housing Finance Ltd's stock price is currently at 84.32, reflecting a slight decline of 0.06 (-0.07%). The stock has been experiencing a downward trend, having fallen for the last three consecutive days, resulting in a total return decrease of 1% during this period. This decline is further highlighted by the stock's performance over various time frames, where it has underperformed compared to the Sensex, showing a 1-week drop of 1.72% and a 1-month decrease of 3.41%. <BR><BR>Additionally, the stock has seen a significant year-to-date decline of 10.63% and a substantial 25.15% drop over the past year. This underperformance is compounded by the fact that Bajaj Housing Finance is trading below its moving averages across multiple time frames, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, indicating a bearish trend.<BR><BR>Investor participation has also decreased, with a notable drop in delivery volume by 19.67% compared to the 5-day average, suggesting waning interest among investors. While the company has strong long-term fundamentals, including a 25.16% CAGR growth in operating profits and positive quarterly results, the recent stock performance reflects a lack of confidence in the near term. Overall, the combination of recent price declines, underperformance relative to benchmarks, and reduced investor activity contributes to the current falling stock price of Bajaj Housing Finance Ltd.

Which are the latest news on Bajaj Housing?

What does Bajaj Housing do?

Bajaj Housing Finance Ltd is a mid-cap company in the housing finance sector, incorporated in 2008, with recent quarterly net sales of ₹3,052 Cr and net profit of ₹715 Cr. Key metrics include a P/E ratio of 26.00 and a market cap of ₹70,817 Cr.

Overview: <BR>Bajaj Housing Finance Ltd is a mid-cap company operating in the housing finance industry.<BR><BR>History: <BR>Bajaj Housing Finance Limited was originally incorporated as Bajaj Financial Solutions Limited in 2008. It received its Certificate of Incorporation on June 13, 2008, and its Certificate for Commencement of Business on September 24, 2008. The latest quarterly results reported net sales and net profit for June 2026.<BR><BR>Financial Snapshot: <BR>- Net Sales: 3,052 Cr (Quarterly Results - Jun 2026) <BR>- Net Profit: 715 Cr (Quarterly Results - Jun 2026) <BR>- Market Cap: INR 70,817 Cr (Mid Cap) <BR><BR>Key Metrics: <BR>- P/E: 26.00 <BR>- Industry P/E: 21 <BR>- Dividend Yield: 0.00% <BR>- Debt Equity: 4.60 <BR>- Return on Equity: 12.00% <BR>- Price to Book: 3.14 <BR><BR>Contact Details: <BR>Details: No Company Details Available <BR>Registrar Address: Not available.

Who are the peers of the Bajaj Housing?

Bajaj Housing's peers include PNB Housing, LIC Housing Finance, Aadhar Housing Finance, Sammaan Capital, Aptus Value Housing, Home First Finance, Aavas Financiers, Can Fin Homes, and INDIA SHELTE FIN. In terms of management risk, Bajaj Housing has a below-average rating, with its 1-year return at -22.30%, higher than INDIA SHELTE FIN but lower than PNB Housing's 50.72%.

Peers: The peers of Bajaj Housing are PNB Housing, LIC Housing Fin., Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Home First Finan, Aavas Financiers, Can Fin Homes, and INDIA SHELTE FIN.<BR><BR>Quality Snapshot: Excellent management risk is observed at Aptus Value Hou. and Can Fin Homes, while Good management risk is found at PNB Housing, LIC Housing Fin., Aadhar Hsg. Fin., Home First Finan, Aavas Financiers, and INDIA SHELTE FIN, and Average management risk is noted at Sammaan Capital. Below Average management risk is associated with Bajaj Housing and Repco Home Fin. In terms of Growth, Excellent growth is seen at Home First Finan and INDIA SHELTE FIN, Good growth is noted at Bajaj Housing and Aptus Value Hou., while Average growth is found at Aadhar Hsg. Fin. and Aavas Financiers, and Below Average growth is observed at PNB Housing, LIC Housing Fin., Sammaan Capital, and Repco Home Fin. Capital Structure is Excellent for Bajaj Housing, Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Home First Finan, Aavas Financiers, and INDIA SHELTE FIN, Average for LIC Housing Fin., and Good for Can Fin Homes.<BR><BR>Return Snapshot: The peer with the highest 1-year return is PNB Housing at 50.72%, while the lowest is INDIA SHELTE FIN at -27.94%. Bajaj Housing's own 1-year return is -22.30%, which is higher than INDIA SHELTE FIN but lower than PNB Housing. Additionally, the peers with negative six-month returns include Aptus Value Hou., Home First Finan, Can Fin Homes, INDIA SHELTE FIN, and Repco Home Fin.

How big is Bajaj Housing?

As of 14th August, Bajaj Housing Finance Ltd has a market capitalization of 70,274.91 Cr, with recent Net Sales of 11,556.49 Cr and a Net Profit of 2,692.32 Cr. The company reported Shareholder's Funds of 22,522.79 Cr and Total Assets of 1,27,090.70 Cr for the annual period ending in March 2026.

As of 14th August, Bajaj Housing Finance Ltd has a market capitalization of 70,274.91 Cr, categorizing it as a Mid Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 11,556.49 Cr and a Net Profit of 2,692.32 Cr.<BR><BR>For the latest annual period ending in March 2026, Bajaj Housing Finance Ltd had Shareholder's Funds amounting to 22,522.79 Cr and Total Assets of 1,27,090.70 Cr.

Should I buy, sell or hold Bajaj Housing Finance Ltd?

Are Bajaj Housing Finance Ltd latest results good or bad?

Bajaj Housing Finance Ltd's Q1 FY27 results are positive, with a net profit increase of 6.89% QoQ and 22.63% YoY, alongside a strong operating profit margin of 92.72%. However, the stock's premium valuation and below-average return on equity raise concerns for investors.

Bajaj Housing Finance Ltd's latest results for Q1 FY27 can be considered quite positive overall. The company reported a net profit of ₹715.28 crore, which reflects a 6.89% increase quarter-on-quarter and a substantial 22.63% growth year-on-year. Additionally, interest income grew by 5.59% QoQ and 17.09% YoY, indicating strong demand for its housing finance products.<BR><BR>One of the standout metrics is the operating profit margin, which reached 92.72%, the highest in recent quarters, showcasing exceptional operational efficiency. The profit after tax margin also improved slightly to 23.43%, further highlighting the company's ability to manage costs effectively.<BR><BR>However, despite these strong fundamentals, the stock trades at a premium valuation of 28 times trailing earnings, which is significantly above the industry average of 21 times. This raises concerns about the sustainability of the current price levels, especially given the company's return on equity (ROE) of 11.13%, which is below the peer average.<BR><BR>In summary, while the operational performance is strong, the high valuation and below-average returns compared to peers suggest a cautious outlook for investors.

Is Bajaj Housing overvalued or undervalued?

As of December 4, 2025, Bajaj Housing is fairly valued with a PE ratio of 34.00, but has underperformed the Sensex with a year-to-date return of -24.4%, raising concerns about its growth prospects compared to peers like Bajaj Finance and Life Insurance.

As of 4 December 2025, Bajaj Housing's valuation grade has moved from expensive to fair, indicating a reassessment of its market position. The company appears to be fairly valued at this time. Key ratios include a PE Ratio of 34.00, an EV to EBIT of 18.63, and a ROE of 11.15%. <BR><BR>In comparison with its peers, Bajaj Finance is considered very expensive with a PE of 34.9, while Life Insurance stands out as very attractive with a PE of 10.85. Despite the fair valuation, Bajaj Housing has underperformed significantly against the Sensex, with a year-to-date return of -24.4% compared to the Sensex's 9.12%. This underperformance may suggest that the market is still cautious about the company's growth prospects.

Is Bajaj Housing technically bullish or bearish?

As of November 18, 2025, Bajaj Housing's technical trend has shifted to bearish, driven by a bearish MACD, moving averages, and underperformance against the Sensex, indicating moderate weakness in price momentum.

As of 18 November 2025, the technical trend has changed from mildly bearish to bearish. The current technical stance for Bajaj Housing is bearish with moderate strength. Key indicators driving this stance include a bearish MACD on the weekly timeframe, bearish moving averages on the daily timeframe, and mildly bearish signals from both Dow Theory and OBV on the weekly and monthly timeframes. The stock has also underperformed against the Sensex over various periods, indicating weakness in price momentum.

How has been the historical performance of Bajaj Housing?

Bajaj Housing has demonstrated significant growth over the past three years, with net sales increasing from 5,652.59 Cr in Mar'23 to 9,528.16 Cr in Mar'25, and profit after tax rising from 1,257.80 Cr to 2,162.90 Cr. However, total expenditure and interest expenses have also increased, impacting cash flow, which remains negative but has improved slightly.

Answer:<BR>The historical performance of Bajaj Housing shows significant growth in various financial metrics over the past three years.<BR><BR>Breakdown:<BR>Bajaj Housing's net sales increased from 5,652.59 Cr in Mar'23 to 9,528.16 Cr in Mar'25, demonstrating a strong upward trend. Other operating income also rose, reaching 47.45 Cr in Mar'25 from just 12.14 Cr in Mar'23. Total operating income followed suit, climbing from 5,664.73 Cr in Mar'23 to 9,575.61 Cr in Mar'25. Despite this growth, total expenditure excluding depreciation also increased, from 3,931.77 Cr in Mar'23 to 6,764.58 Cr in Mar'25, driven largely by other expenses which surged to 6,269.02 Cr. Operating profit (PBDIT) rose to 2,811.38 Cr in Mar'25 from 1,733.46 Cr in Mar'23, although interest expenses grew significantly from 3,211.32 Cr to 5,979.26 Cr in the same period. Profit before tax improved to 2,770.23 Cr in Mar'25, up from 1,700.06 Cr in Mar'23, leading to a profit after tax of 2,162.90 Cr in Mar'25 compared to 1,257.80 Cr in Mar'23. The company's equity capital increased to 8,328.15 Cr in Mar'25 from 6,712.16 Cr in Mar'24, while total liabilities rose to 1,02,764.61 Cr in Mar'25 from 81,776.15 Cr in Mar'24. Cash flow from operating activities remained negative but improved slightly, with a cash flow of -17,074 Cr in Mar'25 compared to -14,600 Cr in Mar'24. Overall, Bajaj Housing has shown robust growth in sales and profits, despite rising costs and interest expenses.

Who are the top shareholders of the Bajaj Housing?

The top shareholders of Bajaj Housing include Bajaj Finance Limited with an 88.75% stake, 19 mutual fund schemes holding 0.45%, 74 foreign institutional investors at 1.01%, and individual investors with 8.62%. There are no pledged promoter holdings or significant public shareholders.

The top shareholders of Bajaj Housing are primarily its promoters, with Bajaj Finance Limited holding the highest stake at 88.75%. Additionally, there are 19 mutual fund schemes collectively holding 0.45% of the shares, and 74 foreign institutional investors (FIIs) holding 1.01%. Individual investors account for 8.62% of the shareholding. Notably, there are no pledged promoter holdings or significant public shareholders.

When is the next results date for Bajaj Housing?

No Upcoming Board Meetings

Has Bajaj Housing declared dividend?

No Dividend History Available