Bajaj Housing Finance Limited Stock Price Today (NSE: BAJAJHFL)
Fundamental Score
Bajaj Housing Finance Limited Share Price — Live NSE/BSE Price, Fundamentals & Analysis
Bajaj Housing Finance Limited share price today is ₹73.09, down 4.15% on NSE/BSE as of 30 March 2026. Bajaj Housing Finance Limited (BAJAJHFL) is a Large-cap company in the Housing Finance Company sector with a market capitalisation of ₹87.04K (Cr). The 52-week high for BAJAJHFL share price is ₹136.96 and the 52-week low is ₹75.00. At a P/E ratio of 36.87x, BAJAJHFL is currently trading above its industry average P/E of 18.03x. The company has a Return on Equity (ROE) of 13.46% and a debt-to-equity ratio of 4.44.
Bajaj Housing Finance Limited Share Price Chart — NSE/BSE Historical Performance
Returns & Performance
ROE
ROCE
OPM (5Y)
Div Yield
Bajaj Housing Finance Limited Valuation Check
P/E Ratio
Industry P/E
Market Cap
Growth Engine
Profit Growth (Q)
Sales Growth (Q)
Sales Growth (5Y)
EPS Growth (5Y)
Profit Growth (5Y)
Balance Sheet Health
Debt to Equity
Int. Coverage
Free Cash Flow (5Y)
Shareholding
Promoter
FII
DII
Pledged
Institutional Deep-Dive
Bull Run Research Hub
Bajaj Housing Finance Share Price: A ROCE Efficiency Analysis
In the dynamic landscape of Housing Finance Companies (HFCs), a crucial aspect often overlooked is the sector's vulnerability to interest rate fluctuations. This analysis focuses on the financial health of Bajaj Housing Finance Limited, particularly examining its Return on Capital Employed (ROCE) efficiency. The current Bajaj Housing Finance share price stands at ₹91.27999877929688, with a Price-to-Earnings (PE) ratio of 36.87 and a ROCE of 9.55%. This analysis is part of a larger, 80-parameter fundamental audit, verified by Sweta Mishra.
A critical metric for assessing a financial institution's profitability is ROCE. Bajaj Housing Finance's ROCE of 9.55% indicates the company's efficiency in generating profits from its capital employed. While this figure provides a snapshot of operational effectiveness, it's essential to compare it against its peers. Consider
GIC Housing Finance Ltd and its own approach to resource allocation and management. A deeper dive into management quality within these peer companies can significantly illuminate the nuances of ROCE differences.The 9.55% ROCE has direct implications for Bajaj Housing Finance's competitive advantage or "moat." A higher ROCE suggests a stronger ability to reinvest profits, fueling further growth and potentially creating a stronger moat. However, the sustainability of this ROCE is paramount. Factors such as the company's cost of funds, asset quality, and operational efficiency play crucial roles in maintaining or improving this metric. Should the cost of funds increase, or the asset quality deteriorate, the ROCE could be negatively impacted, thereby weakening its moat.
Furthermore, the relatively high PE ratio of 36.87 suggests that investors have high expectations for Bajaj Housing Finance's future earnings growth. The company's ability to sustain and improve its ROCE is crucial to justifying this valuation. A consistent, or ideally increasing, ROCE would lend credibility to the optimistic investor sentiment reflected in the PE ratio. Conversely, a declining ROCE could lead to a re-evaluation of the Bajaj Housing Finance share price by the market. This analysis is observational and should not be interpreted as investment advice.
Labels (e.g., "Excellent", "Good") are peer-based vs industry/sector averages — data-only, not advice
Bajaj Housing Finance Limited Fundamental Analysis & Valuation Benchmarking
Educational evaluation of BAJAJHFL across key market metrics for learning purposes.
Positive Indicators
5 factors identified
Strong Operating Margins (88.60%)
Observation: Healthy 5-year operating margins indicate pricing power and cost control.
Analysis: OPM >15% suggests operational efficiency and competitive advantages.
Consistent Growth Track Record (29.33% CAGR)
Observation: Strong 5-year sales compound annual growth rate.
Analysis: Consistent sales CAGR >12% demonstrates sustainable growth model.
Excellent EPS Growth (24.66% CAGR)
Observation: Outstanding 5-year earnings per share compound growth.
Analysis: EPS CAGR >15% indicates strong wealth creation potential.
Strong Profit Growth Track Record (38.71% CAGR)
Observation: Consistent 5-year profit compound annual growth rate.
Analysis: Profit CAGR >15% demonstrates scalable business model.
Zero Share Pledging Risk
Observation: No promoter shares pledged as collateral.
Analysis: Absence of share pledging eliminates potential forced-selling pressure.
Risk Factors
7 factors identified
Suboptimal ROCE (9.55%)
Observation: Returns on capital employed are below expectations.
Analysis: ROCE <10% suggests potential inefficiencies in capital allocation.
Elevated Debt Levels (D/E: 4.44)
Observation: High leverage increases financial risk and interest burden.
Analysis: High debt-to-equity ratios require monitoring of debt servicing capability.
Weak Interest Coverage (1.48x)
Observation: Limited ability to service debt obligations from earnings.
Analysis: Low interest coverage raises concerns about financial stability.
Negative Free Cash Flow (₹-63709.39 Cr over 5Y)
Observation: Cash outflows exceed inflows.
Analysis: Negative FCF requires analysis of capital expenditure cycle.
Limited Public Float (88.70% Promoter Holding)
Observation: High promoter holding may restrict liquidity and price discovery.
Analysis: Very high promoter holding can limit trading liquidity.
Limited Institutional Interest (FII+DII: 1.45%)
Observation: Low institutional participation may affect liquidity.
Analysis: Limited institutional interest may indicate size constraints or visibility issues.
No Dividend Distribution
Observation: Company does not currently pay dividends to shareholders.
Analysis: Zero dividend yield may indicate growth reinvestment focus or cash flow constraints.
Bajaj Housing Finance Limited Financial Statements
Comprehensive financial data for Bajaj Housing Finance Limited including income statement, balance sheet and cash flow
About BAJAJHFL (Bajaj Housing Finance Limited)
Bajaj Housing Finance Limited is a prominent player in India's dynamic housing finance sector, committed to empowering individuals and businesses to realize their property ownershi...p aspirations. With a steadfast focus on customer-centricity and innovation, BAJAJHFL provides a comprehensive suite of financial solutions tailored to diverse needs. Whether it's enabling families to purchase their dream homes, assisting businesses in acquiring commercial spaces, or facilitating property renovations, the company strives to be a trusted partner throughout the property ownership journey. Backed by the esteemed Bajaj Finserv group, BAJAJHFL leverages its robust financial foundation and industry expertise to deliver seamless and efficient services, making property financing accessible and hassle-free for its customers. BAJAJHFL goes beyond traditional home loans by offering a range of specialized financing options designed to support various financial requirements. Recognizing the vital role of businesses in the economy, the company provides loans against property, enabling entrepreneurs to unlock the potential of their assets for business expansion, working capital needs, or other strategic investments. Moreover, BAJAJHFL actively supports the real estate development ecosystem through construction finance for residential and commercial projects, fostering growth and innovation in the sector. By providing lease rental discounting to developers, the company further strengthens its commitment to enabling sustainable development and contributing to the nation's infrastructure. Driven by a vision of financial inclusivity, Bajaj Housing Finance Limited is dedicated to expanding its reach and serving a wider spectrum of customers across India. Through a combination of technology-driven solutions, personalized customer service, and a deep understanding of local market dynamics, BAJAJHFL strives to deliver exceptional value and build lasting relationships. The company's commitment to ethical practices, transparency, and responsible lending ensures that customers receive fair and reliable financial guidance, empowering them to make informed decisions and achieve their property-related goals.
Company Details
Key Leadership
BAJAJHFL Share Price: Frequently Asked Questions
What is the current share price of Bajaj Housing Finance Limited (BAJAJHFL)?
As of 30 Mar 2026, 12:07 pm IST, Bajaj Housing Finance Limited share price is ₹73.09. The BAJAJHFL stock has a market capitalisation of ₹87.04K (Cr) on NSE/BSE.
Is BAJAJHFL share price Overvalued or Undervalued?
BAJAJHFL share price is currently trading at a P/E ratio of 36.87x, compared to the industry average of 18.03x. Based on this relative valuation, the Bajaj Housing Finance Limited stock appears to be Overvalued against its sector peers.
What is the 52-week high and low of BAJAJHFL share price?
The 52-week high of BAJAJHFL share price is ₹136.96 and the 52-week low is ₹75.00. These values are updated daily from NSE/BSE price data.
What factors affect the Bajaj Housing Finance Limited share price?
Key factors influencing BAJAJHFL share price include quarterly earnings growth (Sales Growth: 14.30%), raw material costs, government infrastructure spending, and institutional flows (FII/DII holding).
Is Bajaj Housing Finance Limited a good stock for long-term investment?
Bajaj Housing Finance Limited shows a 5-year Profit Growth of 38.71% and an ROE of 13.46%. Long-term investors should consider these fundamentals alongside the debt-to-equity ratio of 4.44 before investing in BAJAJHFL shares.
How does Bajaj Housing Finance Limited compare with its industry peers?
Bajaj Housing Finance Limited competes with major peers in the Housing Finance Company. Investors should compare BAJAJHFL share price P/E of 36.87x and ROE of 13.46% against the industry averages to determine competitive standing.
What is the P/E ratio of BAJAJHFL and what does it mean?
BAJAJHFL share price has a P/E ratio of 36.87x compared to the industry average of 18.03x. Investors pay ₹37 for every ₹1 of annual earnings.
How is BAJAJHFL performing according to Bull Run's analysis?
BAJAJHFL has a Bull Run fundamental score of 54.8/100, indicating moderate strength with some areas for improvement. This comprehensive rating is based on 15+ financial parameters.
What sector and industry does BAJAJHFL belong to?
BAJAJHFL operates in the Housing Finance Company industry. This classification helps understand the competitive landscape and sector-specific trends affecting Bajaj Housing Finance Limited share price.
What is Return on Equity (ROE) and why is it important for BAJAJHFL?
BAJAJHFL has an ROE of 13.46%, which shows decent profitability but room for improvement. ROE measures how efficiently Bajaj Housing Finance Limited generates profits from shareholders capital.
How is BAJAJHFL debt-to-equity ratio and what does it indicate?
BAJAJHFL has a debt-to-equity ratio of 4.44, which indicates high leverage that increases financial risk.
What is BAJAJHFL dividend yield and is it a good dividend stock?
BAJAJHFL offers a dividend yield of 0.00%, meaning you receive ₹0.00 annual dividend for every ₹100 invested in Bajaj Housing Finance Limited shares.
How has BAJAJHFL share price grown over the past 5 years?
BAJAJHFL has achieved 5-year growth rates of: Sales Growth 29.33%, Profit Growth 38.71%, and EPS Growth 24.66%.
What is the promoter holding in BAJAJHFL and why does it matter?
Promoters hold 88.70% of BAJAJHFL shares, with 0.00% pledged. High promoter holding often indicates strong management confidence in Bajaj Housing Finance Limited.
What is BAJAJHFL market capitalisation category?
BAJAJHFL has a market capitalisation of ₹87040 crores, placing it in the Large-cap category.
How volatile is BAJAJHFL stock?
BAJAJHFL has a beta of N/A. A beta > 1 suggests the Bajaj Housing Finance Limited stock is more volatile than the market, while a beta < 1 suggests it is less volatile.
What is BAJAJHFL operating profit margin trend?
BAJAJHFL has a 5-year average Operating Profit Margin (OPM) of 88.60%, indicating the company's operational efficiency.
How is BAJAJHFL quarterly performance?
Recent quarterly performance shows Bajaj Housing Finance Limited YoY Sales Growth of 14.30% and YoY Profit Growth of 17.84%.
What is the institutional holding pattern in BAJAJHFL?
BAJAJHFL has FII holding of 0.91% and DII holding of 0.54%. Significant institutional holding often suggests professional confidence in the Bajaj Housing Finance Limited stock.