Recent Price Movement and Market Context
The stock has been on a downward trajectory for four consecutive trading sessions, cumulatively losing 3.66% over this period. Today’s decline of 0.95% further extended this trend, underperforming the Sensex’s 0.44% fall and the housing finance sector’s relative performance by 0.37%. Bajaj Housing Finance is currently trading below all major moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages, signalling sustained bearish momentum.
Over the past week, the stock has declined by 3.94%, compared with a 0.89% drop in the Sensex. The one-month performance shows a 5.04% loss against the Sensex’s 2.41% fall, while the three-month return is down 17.05%, significantly lagging the Sensex’s modest 1.75% decline. The year-to-date performance also reflects a 4.08% decrease, outpacing the Sensex’s 2.74% fall.
Long-Term Performance Analysis
Examining longer-term returns reveals a more pronounced underperformance. Over the last year, Bajaj Housing Finance’s stock has generated a negative return of 20.82%, in stark contrast to the Sensex’s positive 7.54% gain. The stock has also failed to deliver any appreciable returns over three and five years, both showing 0.00% growth, while the Sensex has surged by 36.72% and 66.46% respectively over these periods. The ten-year performance similarly stands at 0.00%, compared with the Sensex’s robust 244.46% appreciation.
Mojo Score and Market Capitalisation Grade
Bajaj Housing Finance currently holds a Mojo Score of 40.0, categorised as a Sell, a downgrade from its previous Hold rating as of 7 November 2025. The company’s market capitalisation grade is rated at 1, indicating a relatively small market cap within its sector. These metrics underscore the stock’s subdued market standing and investor sentiment.
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Financial Performance and Growth Metrics
Despite the stock’s price weakness, Bajaj Housing Finance 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 growth trajectory is reflected in the company’s quarterly results, which have been positive for four consecutive quarters.
In the most recent quarter, net sales reached a record high of Rs.2,754.85 crores, with profit before depreciation, interest, and taxes (PBDIT) also hitting a peak of Rs.2,502.17 crores. The operating profit to interest ratio stood at 1.51 times, indicating a comfortable coverage of interest expenses. Return on equity (ROE) is reported at 11.1%, and the stock trades at a price-to-book value of 3.6, suggesting a fair valuation relative to its book value.
Shareholding and Sector Position
The majority shareholding remains with promoters, maintaining a stable ownership structure. Bajaj Housing Finance operates within the housing finance sector, which has experienced varied performance across companies. The stock’s recent underperformance relative to the BSE500 index over one year, three years, and three months highlights its challenges in keeping pace with broader market and sector indices.
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Summary of Performance Trends
Bajaj Housing Finance’s stock has consistently lagged behind key market indices and sector benchmarks across multiple time horizons. The persistent decline culminating in today’s all-time low price of Rs.90.41 reflects a combination of market pressures and relative underperformance. While the company’s financials show robust sales and profit growth, these fundamentals have not translated into positive stock price momentum over recent years.
The stock’s downgrade from Hold to Sell by MarketsMOJO on 7 November 2025 further emphasises the cautious stance adopted by market analysts. The Mojo Score of 40.0 and market cap grade of 1 reinforce the view of subdued market confidence in the stock’s near-term prospects.
Investors monitoring the housing finance sector will note Bajaj Housing Finance’s divergence from broader market gains, particularly when compared with the Sensex’s strong multi-year returns. The company’s fair valuation metrics and steady promoter holding provide some stability, but the stock’s price action remains subdued.
Conclusion
In conclusion, Bajaj Housing Finance Ltd’s stock reaching an all-time low marks a significant event in its market journey. The combination of sustained negative returns, underperformance relative to benchmarks, and a recent downgrade in rating paints a clear picture of the stock’s current standing. While the company continues to report positive quarterly results and strong long-term growth in operating profits and sales, these factors have yet to be reflected in its share price performance.
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