Recent Price Movement and Market Context
On 8 December 2025, Bajaj Housing Finance’s share price touched Rs.94, its lowest level in the past year and also an all-time low. This decline comes despite the broader market’s mixed performance, with the Sensex opening flat but eventually falling by 239.97 points, or 0.38%, to close at 85,384.87. The benchmark index remains close to its 52-week high of 86,159.02, trading just 0.91% below that peak and maintaining a bullish stance above its 50-day and 200-day moving averages.
In contrast, Bajaj Housing Finance’s stock has underperformed its sector and the broader market. The stock’s day change was -1.52%, underperforming the housing finance sector by 0.69%. Over the last three trading sessions, the stock has recorded a cumulative return of -2.94%, continuing a downward trend that has seen it trade below all key moving averages, including the 5-day, 20-day, 50-day, 100-day, and 200-day averages.
Performance Over the Past Year
Examining the stock’s performance over the last 12 months reveals a decline of 34.71%, a stark contrast to the Sensex’s positive return of 4.50% during the same period. The 52-week high for Bajaj Housing Finance was Rs.145.70, indicating a substantial drop from its peak price to the current low. This underperformance extends beyond the one-year horizon, with the stock lagging behind the BSE500 index over the past three years, one year, and three months.
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Financial Metrics and Valuation
Bajaj Housing Finance’s return on equity (ROE) stands at 11.1%, while its price-to-book value ratio is 3.8, indicating a valuation that some may consider elevated relative to its earnings capacity. Despite the stock’s price decline, the company’s profits have shown a rise of 25% over the past year, suggesting that earnings growth has not translated into share price appreciation.
The company’s net sales have grown at an annual rate of 30.00%, with operating profits expanding at a compound annual growth rate (CAGR) of 27.65%. These figures point to strong long-term fundamental growth, supported by positive results declared for four consecutive quarters. The latest quarterly data shows net sales reaching Rs.2,754.85 crore, operating profit to interest coverage at 1.51 times, and PBDIT at Rs.2,502.17 crore, all representing the highest levels recorded in recent periods.
Sector and Shareholding Overview
Bajaj Housing Finance operates within the housing finance sector, a segment that has faced varied market pressures in recent months. The company’s majority shareholders are promoters, maintaining significant control over its strategic direction. While the broader housing finance sector has experienced fluctuations, Bajaj Housing Finance’s stock performance has notably lagged behind sectoral benchmarks.
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Technical Indicators and Market Sentiment
The stock’s position below all major moving averages signals a bearish technical trend. The 5-day, 20-day, 50-day, 100-day, and 200-day moving averages all lie above the current price level, indicating sustained downward momentum. This technical positioning contrasts with the Sensex, which remains above its 50-day and 200-day moving averages, reflecting a more positive market sentiment at the index level.
Despite the recent price weakness, Bajaj Housing Finance’s quarterly financial results have been positive, with consistent growth in sales and operating profits. This divergence between financial performance and share price movement highlights the complex dynamics influencing the stock, including valuation considerations and broader market factors.
Summary of Key Data Points
Bajaj Housing Finance’s stock price reached Rs.94 on 8 December 2025, marking a 52-week and all-time low. The stock has declined by 34.71% over the past year, underperforming the Sensex’s 4.50% gain. The company’s ROE is 11.1%, with a price-to-book ratio of 3.8. Net sales and operating profits have grown at annual rates of 30.00% and 27.65% respectively, with the latest quarterly results showing record levels in key financial metrics. The stock trades below all major moving averages, while the Sensex maintains a bullish technical stance.
Bajaj Housing Finance’s majority ownership by promoters remains unchanged, and the company continues to operate within the housing finance sector, which has experienced mixed market conditions. The stock’s recent price action reflects a combination of valuation factors and market sentiment, set against a backdrop of solid fundamental growth.
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