Bajaj Housing

Why is Bajaj Housing Finance Ltd falling/rising?

As of 07-Aug, Bajaj Housing Finance Ltd's stock price is at 85.80, down 0.87%, continuing a three-day decline totaling 1.47%. Despite strong long-term fundamentals, the stock has fallen 24.10% over the past year, underperforming the Sensex, which has only decreased by 2.63%.

As of 07-Aug, Bajaj Housing Finance Ltd's stock price is falling, currently at 85.80, reflecting a decrease of 0.75 (-0.87%). The stock has been on a downward trend, having lost value for the last three consecutive days, resulting in a total decline of 1.47% during this period. Over the past week, the stock has underperformed compared to the benchmark Sensex, which has gained 0.52%, while Bajaj Housing Finance Ltd has seen a slight decrease of 0.27%. <BR><BR>In terms of longer-term performance, the stock has experienced a significant decline of 24.10% over the past year, while the Sensex has only fallen by 2.63%. Year-to-date, the stock is down 9.06%, compared to a 7.89% decline in the benchmark index. Additionally, the stock's delivery volume has decreased by 39.52% against its 5-day average, indicating falling investor participation, which may contribute to the downward pressure on the stock price.<BR><BR>Despite these negative trends, the company has shown strong long-term fundamental strength, with a 25.16% compound annual growth rate in operating profits. However, the current market sentiment appears to be overshadowing these positive fundamentals, leading to the stock's decline.

Which are the latest news on Bajaj Housing?

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.

What does Bajaj Housing do?

Bajaj Housing Finance Ltd is a mid-cap company specializing in housing finance solutions, with a net sales of ₹2,891 Cr and a net profit of ₹669 Cr as of March 2026. It was incorporated in 2008 and has a market cap of ₹70,167 Cr.

Overview: <BR>Bajaj Housing Finance Ltd is a mid-cap company operating in the housing finance industry, providing financial solutions related to housing.<BR><BR>History: <BR>Bajaj Housing Finance Limited was originally incorporated as Bajaj Financial Solutions Limited in 2008. The company 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 profit for the period ending March 2026.<BR><BR>Financial Snapshot: <BR>Net Sales: 2,891 Cr (Quarterly Results - Mar 2026) <BR>Net Profit: 669 Cr (Quarterly Results - Mar 2026) <BR>Market cap: INR 70,167 Cr (Mid Cap) <BR><BR>Key Metrics: <BR>P/E: 27.00 <BR>Industry P/E: 20 <BR>Dividend Yield: 0.00% <BR>Debt Equity: 4.60 <BR>Return on Equity: 11.41% <BR>Price to Book: 3.11 <BR><BR>Contact Details: <BR>Details: No Company Details Available <BR>Registrar Address: Not available.

How big is Bajaj Housing?

As of 10th June, Bajaj Housing Finance Ltd has a market capitalization of 70,167.00 Cr, with Net Sales of 11,110.97 Cr and a Net Profit of 2,560.34 Cr reported in the latest four quarters. Shareholder's Funds are 19,946.80 Cr and Total Assets are 1,02,764.61 Cr for the annual period ending March 2025.

As of 10th June, Bajaj Housing Finance Ltd has a market capitalization of 70,167.00 Cr, categorizing it as a Mid Cap company.<BR><BR>In the latest four quarters, the company reported Net Sales of 11,110.97 Cr and a Net Profit of 2,560.34 Cr.<BR><BR>For the latest annual period ending March 2025, Bajaj Housing's Shareholder's Funds amounted to 19,946.80 Cr, while Total Assets were reported at 1,02,764.61 Cr.

Who are the peers of the Bajaj Housing?

Bajaj Housing's peers include LIC Housing Fin., PNB Housing, Aadhar Hsg. Fin., and others. While Bajaj Housing has below-average management risk and growth, it has an excellent capital structure; however, its 1-year return is -33.99%, significantly lower than the highest peer return of 32.36% from Sammaan Capital.

Peers: The peers of Bajaj Housing are LIC Housing Fin., PNB Housing, Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Can Fin Homes, Home First Finan, Aavas Financiers, INDIA SHELTE FIN, and Repco Home 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 LIC Housing Fin., PNB Housing, Aadhar Hsg. Fin., Home First Finan, Aavas Financiers, and INDIA SHELTE FIN, and Average management risk is present at Sammaan Capital. Below Average management risk is noted for Bajaj Housing, while Average growth is seen at Aadhar Hsg. Fin. and Can Fin Homes, Good growth is observed at Bajaj Housing, Aptus Value Hou., and Home First Finan, and Excellent growth is found at INDIA SHELTE FIN. Below Average growth is noted for LIC Housing Fin. and PNB Housing, while Average capital structure is seen at LIC Housing Fin., and Excellent capital structure is present at Bajaj Housing, PNB Housing, Aadhar Hsg. Fin., Sammaan Capital, Aptus Value Hou., Home First Finan, Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin.<BR><BR>Return Snapshot: The peer with the highest 1-year return is Sammaan Capital at 32.36%, while Bajaj Housing has the lowest at -33.99%. Bajaj Housing's 1-year return is significantly lower than that of Sammaan Capital. Additionally, the six-month returns for Bajaj Housing, Aadhar Hsg. Fin., Aptus Value Hou., Home First Finan, Aavas Financiers, INDIA SHELTE FIN, and Repco Home Fin are all negative.

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