Bajaj Housing Finance Ltd

544252

Summary

Fair Value Assessment
Undervalued (11% Discount)
Fair ValueQ135.47UncertaintyVery High
Close Price119.95Mar 25, 2025
Market Closed
116.00
Price Down by 3.95 | 3.29 %
Previous Close
119.95
Day Range
115.75 – 120.05
Year Range
103.00 – 188.45
Bid / Ask
Market Cap
966.6 Bil
Volume / Average
1.6 Mil / 1.2 Mil
Beta
Shares Outstanding
8,332.33 Mil
Primary Exchange
Bombay Stock Exchange

Business Description
Bajaj Housing Finance Ltd is a non-deposit-taking Housing Finance Company. The company offers financial solutions tailored to individuals and corporate entities for the purchase and renovation of homes and commercial spaces. The mortgage product suite of the company is comprehensive and comprises home loans, loans against property (LAP), lease rental discounting, and developer financing. The company's emphasis is on individual retail housing loans, complemented by a diversified collection of lease rental discounting and developer loans.
Contact
Kalyani Nagar 5th Floor, B2 Building, Pune, MH 411014
www.bajajhousingfinance.in opens in a new tab
Sector
Financial Services
Industry
Mortgage Finance
Most Recent Earnings
Dec 31, 2024
Fiscal Year End
Mar 31, 2025
Employees
2,239

Key Metrics

Income Statement (in Bil, except ratios)
12/31/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Revenue
87.27 73.29 54.81 36.88
Revenue Growth %
33.71% 48.65%
Gross Profit
25.85 22.11 18.69 12.16
Gross Profit Margin %
29.63% 30.17% 34.09% 32.97%
Operating Income
23.25 19.62 16.47 10.67
Operating Margin %
26.64% 26.76% 30.04% 28.93%
EBIT
25.39 20.48 16.43 9.44
EBIT Margin %
29.09% 27.94% 29.98% 25.60%
EBITDA
25.79 20.87 16.77 9.70
EBITDA Margin %
29.55% 28.48% 30.59% 26.30%
Net Income
19.58 17.31 12.58 7.10
Net Profit Margin %
22.43% 23.62% 22.95% 19.24%
Basic EPS
2.43 2.08 1.51 0.85
Diluted EPS
2.43 2.08 1.51 0.85
Normalized EPS
Total Dividends per Share
Balance Sheet (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Total Assets
937.99 818.27 646.54 485.27
Total Liabilities
750.14 695.94 541.51 417.86
Total Debt
744.50 691.29 537.45 414.92
Total Equity
187.85 122.34 105.03 67.41
Cash And Cash Equivalents
15.89 0.64 0.94 4.07
Working Capital
910.55 -121.79 -80.98 -83.06
Shares Outstanding (Bil)
8.33 8.33
Book Value Per Share
Total Debt To Equity
3.96 5.65 5.12 6.15
Cash Flow Statement (in Bil, except ratios)
09/30/2024
03/2024
03/2023
03/2022
03/2021
03/2020
Cash From Operating Activities
-164.22 -154.28 -143.32 -124.81
Cash From Investing Activities
0.34 2.73 -6.11 21.97
Cash From Financing Activities
172.55 151.25 146.30 102.28
Capital Expenditures
0.43 0.34 0.29
Free Cash Flow
14.93 11.40 4.28
Change in Cash
8.67 -0.30 -3.13 -0.55

Profile

Name (Age)
5-Year Trend
2021
2022
2023
2024
2025
Atul Jain (—) Director and Managing Director
Total Compensation for all Key Executives
Transaction History

Shares in Thousands
0 5 10 15 20 25 30 35 40
>
No Data Available
There is no available information for this investment.
Sep
2023
    • Buy
    • Acquisition
    • Option Exercise
    • Disposition
    • Sell
Transaction Detail
No Data Available
There is no available information for this investment.

Ownership

Name
% Total
Shares Held
% Total
Assets
Trend
Prev. 8 Qtrs
Change Amount
Change %
Date
Capital Group Global Equity Canada F 0.15 0.19 12,147,284
Dec 31, 2024
Capital Group New Geography Equity Comp 0.13 0.03 10,778,127
Dec 31, 2024
American Funds New World A 0.13 0.03 10,778,127
Dec 31, 2024
Matthews Pacific Tiger Investor 0.06 0.82 4,628,274
4,628,274
––
Sep 30, 2024
BGF Emerging Markets A2 0.05 0.66 4,154,168
Nov 30, 2024
Total (for Top 5) 0.51 42,485,980
4,628,274

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