āagmanLoginNot investment advice. Data and computed figures, for information only.
Bajaj Housing Finance Ltd
₹83.78
−₹0.77 (−0.91%)
NSE · 15 Oct 2026, close
Market Cap
₹67,917 Cr
CMP
₹83.78
52-wk High / Low
₹112 / 73
P/E
25.1
P/B
3.0
Book Value
₹27.0
Div Yield
0.00%
ROCE
8.9%
ROE
12.0%
Face Value
₹10
D/E
4.60
Price−23.8% over 1Y
āagman read
Computed by āagmanPiotroski F-Score
1
/ 9
1 of 9 F-score tests passed
Graham Number
₹43
√(22.5 × EPS × book value per share)
Cash flow to profit
−7.77
CFO / PAT
Above 1.0 = operating cash flow exceeded reported profit
Sustainable growth
12.0%
ROE × earnings retention ratio
ROE stability
1.3
pp σ
Standard deviation of ROE across periods. Lower = more stable
Holder deltas
QoQ
pp
Prom +0.00FII −0.09DII −0.18
Latest quarter vs the previous one
Cash-accrual divergence
19.5%
of assets
Low = accruals track cash flow
Strengths
+Annualised volatility of 22.1% is in the low band (≤25%)
Watch-outs
−Latest ROCE of 8.8% trails the sector median of 9.4%
−Price trades below its 200-day moving average (1.0x)
−Piotroski F-Score of 1/9 is in the weak band (≤3)
−Balance-sheet accruals of 19.5% of average assets — earnings are not cash-backed
Peer comparison
| Name | P/E | Mar Cap ₹ Cr | ROCE % | ROE % |
|---|
Quarterly results
| Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 1,763 | 1,911 | 1,946 | 1,996 | 2,209 | 2,410 | 2,449 | 2,504 | 2,616 | 2,755 | 2,884 | 2,903 | 3,063 |
| Expenses | 165 | 176 | 164 | 219 | 170 | 179 | 210 | 222 | 244 | 253 | 261 | 262 | 233 |
| Operating Profit | — | — | — | — | — | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other Income | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 3 | 0 | −13 | 0 | 0 |
| Interest | 1,062 | 1,151 | 1,200 | 1,279 | 1,399 | 1,514 | 1,516 | 1,551 | 1,606 | 1,658 | 1,734 | 1,762 | 1,888 |
| Depreciation | 10 | 10 | 10 | 10 | 10 | 10 | 10 | 11 | 11 | 12 | 12 | 13 | 13 |
| Profit before tax | 526 | 575 | 572 | 488 | 630 | 708 | 713 | 720 | 757 | 833 | 865 | 866 | 929 |
| Net Profit | 462 | 451 | 437 | 381 | 483 | 546 | 548 | 587 | 583 | 643 | 665 | 669 | 715 |
| EPS (₹) | 0.69 | 0.67 | 0.65 | 0.57 | 0.62 | 0.66 | 0.66 | 0.70 | 0.70 | 0.77 | 0.80 | 0.80 | 0.86 |
Profit & Loss
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | TTM | |
|---|---|---|---|---|---|---|---|---|
| Sales | 265 | 3,155 | 3,767 | 5,665 | 7,617 | 9,554 | 11,150 | 11,604 |
| Expenses | 44 | 552 | 624 | 718 | 721 | 759 | 1,007 | 1,009 |
| Operating Profit | — | — | — | — | — | — | — | — |
| OPM % | — | — | — | — | — | — | — | — |
| Other Income | 0 | 0 | 0 | 0 | 0 | −2 | −14 | −13 |
| Interest | 162 | 1,968 | 2,157 | 3,213 | 4,695 | 5,981 | 6,761 | 7,042 |
| Depreciation | 2 | 22 | 26 | 33 | 40 | 41 | 47 | 49 |
| Profit before tax | 57 | 613 | 960 | 1,700 | 2,161 | 2,770 | 3,320 | 3,492 |
| Net Profit | 42 | 453 | 710 | 1,258 | 1,731 | 2,163 | 2,560 | 2,692 |
| EPS (₹) | 0.09 | 0.93 | 1.45 | 1.87 | 2.58 | 2.60 | 3.07 | 3.23 |
Balance Sheet
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | Jun 2026 | |
|---|---|---|---|---|---|---|---|---|
| Equity Capital | 488 | 4,883 | 4,883 | 6,712 | 6,712 | 8,328 | 8,329 | — |
| Reserves | 70 | 1,149 | 1,858 | 3,791 | 5,521 | 11,619 | 14,194 | — |
| Other Liabilities | 19 | 226 | 293 | 406 | 464 | 790 | 920 | — |
| Total Liabilities | 3,137 | 37,858 | 48,527 | 64,654 | 81,827 | 1,02,809 | 1,27,147 | — |
| Fixed Assets | 9 | 79 | 97 | 113 | 123 | 141 | 154 | — |
| CWIP | 0 | 0 | 1 | 0 | 1 | 1 | 0 | — |
| Investments | 251 | 3,266 | 1,248 | 2,001 | 1,939 | 2,533 | 2,502 | — |
| Other Assets | 2,878 | 34,513 | 47,180 | 62,540 | 79,765 | 1,00,134 | 1,24,491 | — |
| Total Assets | 3,137 | 37,858 | 48,527 | 64,654 | 81,827 | 1,02,809 | 1,27,147 | — |
| Borrowing | 2,560 | 31,601 | 41,492 | 53,745 | 69,129 | 82,072 | 1,03,704 | — |
Cash Flows
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| Cash from Operating Activity | −1,024 | −5,076 | −12,481 | −14,332 | −14,600 | −17,075 | −19,895 |
| Cash from Investing Activity | −69 | −797 | 2,197 | −611 | −555 | −798 | −1,202 |
| Cash from Financing Activity | 1,149 | 5,676 | 10,228 | 14,630 | 15,125 | 17,870 | 21,197 |
| Net Cash Flow | 55 | −197 | −55 | −313 | −30 | −2 | 100 |
Ratios
| Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 | Mar 2026 | |
|---|---|---|---|---|---|---|---|
| ROCE % | — | — | — | — | — | — | 8.9 |
| ROE % | 8.0 | 14.0 | 11.0 | 15.0 | 15.0 | 13.0 | 12.0 |
| EPS (₹) | 0.09 | 0.93 | 1.45 | 1.87 | 2.58 | 2.60 | 3.07 |
| Book Value (₹) | — | — | — | — | — | — | 27.0 |
| Face Value (₹) | — | — | — | — | — | — | 10 |
| P/E | — | — | — | — | — | — | 25.1 |
| Div Yield % | — | — | — | — | — | — | 0.00 |
| NPM % | 15.8 | 14.4 | 18.8 | 22.2 | 22.7 | 22.6 | 23.0 |
| OPM % | — | — | — | — | — | — | — |
| D/E | 4.59 | 5.24 | 6.16 | 5.12 | 5.65 | 4.11 | 4.60 |
| P/B | — | — | — | — | — | — | 3.0 |
Growth
Compounded sales growth
5 years+29.0%
3 years+25.0%
TTM+16.0%
Compounded profit growth
5 years+41.0%
3 years+27.0%
TTM+19.0%
Stock price CAGR
Last year−26.0%
Return on equity
5 years13.0%
3 years13.0%
Last year12.0%
Documents
Announcements
Compliances-Certificate under Reg. 74 (5) of SEBI (DP) Regulations, 2018Announcement under Regulation 30 (LODR)-AllotmentBoard Meeting Intimation for Considering And Approving The Unaudited Standalone Financial Results For The Quarter And Half Year Ended 30 September 2026.Information Under Regulation 30 Of SEBI (LODR) Regulations, 2015 Read With Schedule A Of Regulation 8 Of SEBI (Prohibition Of Insider Trading) Regulations, 2015Closure of Trading WindowCorporate actions
Fundamentals from a third-party compiler of exchange filings; prices from the exchanges. Not investment advice.© 2026 āagman