Stock Price Movement and Market Context
On the day Bajaj Housing Finance Ltd touched this new low, the stock recorded a day change of -0.91%, marginally outperforming its sector by 0.32%. This decline extends a four-day losing streak during which the stock has fallen approximately 4% cumulatively. The current price of Rs.90.3 stands well below its 52-week high of Rs.137, reflecting a substantial depreciation of nearly 34% from that peak.
The stock is trading below its 5-day, 20-day, 50-day, 100-day, and 200-day moving averages, signalling sustained downward momentum. This technical positioning indicates that short-term and long-term investor sentiment remains subdued.
Meanwhile, the broader market has also experienced pressure. The Sensex opened flat but ended the day down by 300.88 points, or 0.41%, closing at 82,906.50. The index is currently 3.92% below its 52-week high of 86,159.02 and has recorded a three-week consecutive decline, losing 3.33% over that period. The Sensex trades below its 50-day moving average, although the 50DMA remains above the 200DMA, suggesting some underlying resilience in the broader market despite recent weakness.
Long-Term and Recent Performance Analysis
Over the past year, Bajaj Housing Finance Ltd has delivered a total return of -20.79%, significantly underperforming the Sensex, which has gained 7.57% over the same period. This underperformance extends beyond the last 12 months, with the stock lagging the BSE500 index across one-year, three-month, and three-year timeframes.
The company’s Mojo Score currently stands at 40.0, with a Mojo Grade of Sell, downgraded from Hold on 7 Nov 2025. The Market Cap Grade is rated at 1, reflecting a relatively low market capitalisation standing within its peer group. These ratings underscore the stock’s below-par performance in both the near and long term.
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Financial Metrics and Growth Trends
Despite the stock’s price decline, Bajaj Housing Finance Ltd has demonstrated strong fundamental growth over the long term. The company’s operating profits have grown at a compound annual growth rate (CAGR) of 27.65%, while net sales have expanded at an annual rate of 30.00%. This robust growth is reflected in the company’s quarterly results, which have been positive for the last four consecutive quarters.
In the most recent quarter, net sales reached a record high of Rs.2,754.85 crore, with operating profit to interest coverage at 1.51 times, and PBDIT (Profit Before Depreciation, Interest and Taxes) hitting Rs.2,502.17 crore, also a quarterly peak. These figures indicate operational efficiency and a healthy earnings base despite the stock’s subdued market performance.
The company’s return on equity (ROE) stands at 11.1%, and it trades at a price-to-book value of 3.6, suggesting a fair valuation relative to its equity base. Over the past year, while the stock price has declined by 20.79%, profits have increased by 25%, highlighting a disconnect between market valuation and earnings growth.
Shareholding and Sector Positioning
Bajaj Housing Finance Ltd operates within the Housing Finance Company sector, a segment that has faced mixed market conditions recently. The majority shareholding remains with promoters, providing a stable ownership structure. However, the stock’s performance relative to sector peers and broader indices has been weaker, contributing to its current rating and price levels.
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Summary of Key Factors Influencing the Stock’s Current Position
The stock’s decline to Rs.90.3, its lowest level in 52 weeks, is a reflection of sustained price pressure amid broader market weakness and underperformance relative to benchmark indices. The four-day consecutive fall and trading below all major moving averages indicate persistent selling momentum.
While the company’s fundamentals remain strong, with consistent growth in sales and profits, the market has not reflected this in the share price. The downgrade in Mojo Grade from Hold to Sell on 7 Nov 2025 further signals caution among market participants.
In the context of the Sensex’s recent three-week decline and the stock’s underperformance relative to both the Sensex and BSE500 indices, Bajaj Housing Finance Ltd’s current valuation and price levels appear to be influenced by a combination of sectoral pressures and broader market sentiment.
Technical and Valuation Overview
Technically, the stock’s position below its 5-day through 200-day moving averages suggests a bearish trend across multiple time horizons. The price-to-book ratio of 3.6 and ROE of 11.1% indicate a valuation that is fair but not compelling enough to counteract the prevailing negative price momentum.
The company’s strong quarterly results and positive earnings trajectory contrast with the stock’s price performance, highlighting a divergence between operational success and market valuation.
Conclusion
Bajaj Housing Finance Ltd’s fall to a 52-week low of Rs.90.3 marks a notable point in its recent trading history, underscored by a sustained downtrend and underperformance relative to key indices. Despite solid fundamental growth and positive quarterly earnings, the stock remains under pressure amid broader market declines and sector-specific challenges. The downgrade to a Sell grade and the technical indicators reinforce the current cautious stance reflected in the share price.
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