Bajaj Housing Finance Ltd
Ticker: BAJAJHFL
Decent
68/100
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Investing Reference
Price
110.13
Market Cap
91721.12
Debt/Equity
4.1145
ROE %
13.442
PB
4.5983
Promoter %
88.703
Pledge %
0.000
1Y Rev Growth %
25.707
5Y Rev Growth %
29.333
NP Margin %
22.587
NP Margin 5Y Avg %
20.143
Trading Reference
1M Return %
-5.316
6M Return %
-11.350
1Y Return %
-21.279
% Away 52W High
34.114
% Away 52W Low
6.819
Daily Volume
6572385
Investment Verdict
Hold
Score 64/100 · Position size: 30%
Fundamentals are OK but not compelling. Maintain current position; avoid fresh adds.
Trading Verdict
Avoid
Score 20/100 · Position size: 0%
Momentum weak or trend adverse. Avoid trading at this point.
Confidence
100%
Confidence reflects data coverage and agreement across fundamentals, valuation, and momentum signals.
AI Probability Statement
Probability Statement
Bajaj Housing Finance Ltd is currently trading near a key support level, with the 50-day EMA indicating a bullish trend. If it breaks above the resistance level, there is a potential for upward movement. However, if it falls below the support, downside risks increase.
Upside Probability: 15% | Downside Probability: 10%
Probability estimates are technical-context statements, not investment advice.
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Business Overview
Bajaj Housing Finance Ltd is a leading player in the Indian housing finance sector, offering a range of home loan products tailored to meet diverse customer needs. It caters to homebuyers, builders, and real estate investors, making home ownership accessible for many. With a strong reputation and commitment to customer satisfaction, Bajaj Housing Finance plays a crucial role in facilitating affordable housing across India. Its robust financial backing and innovative solutions ensure that clients receive the best support in their home financing journey.
- Established leader in housing finance
- Tailored home loan products for diverse needs
- Supports homebuyers, builders, and investors
- Strong reputation for customer satisfaction
- Innovative solutions for affordable housing
- Robust financial backing ensuring reliability
Investment Thesis
Bajaj Housing Finance Ltd stands out due to its strong promoter group, which enhances credibility and trust. The company is well-positioned to capitalize on the digital services growth runway, catering to a tech-savvy customer base. Additionally, its attractive valuation relative to peers presents a compelling investment opportunity for retail investors.
- Strong backing from the Bajaj Group, ensuring reliability and governance.
- Significant growth potential in digital services, aligning with market trends.
- Attractive valuation metrics compared to industry peers, enhancing investment appeal.
- Robust loan book growth supported by increasing demand for housing finance.
- Focus on customer-centric solutions, driving market share expansion.
Opportunity vs Risk
Opportunities
- Strong demand for housing loans
- Growing middle-class population
- Expansion into new markets
- Digital transformation initiatives
Risks ⚠️
- Rising interest rates impact
- Regulatory changes in housing sector
- Increased competition from fintech
- Economic downturn affecting loan repayments
Peer Perspective
Bajaj Housing Finance Ltd trades at a premium to peers like HDFC Ltd and LIC Housing Finance, reflecting strong growth potential; however, sustained margin stability will be crucial for any rerating in valuation.
Future Outlook
Bajaj Housing Finance Ltd is well-positioned for growth, driven by strong demand in the housing sector; however, successful execution and effective cost control will be crucial to navigate potential market challenges.
AI FAQs for Retail Users
- Q: What does Bajaj Housing Finance Ltd do?A: Bajaj Housing Finance Ltd provides home loans, loan against property, and other housing finance solutions.
- Q: Is Bajaj Housing Finance Ltd a good investment?A: Investing depends on individual financial goals and risk tolerance. Research and consult with a financial advisor.
- Q: What are the risks of investing in Bajaj Housing Finance Ltd?A: Risks include market volatility, interest rate changes, and company-specific performance factors.
- Q: How can I invest in Bajaj Housing Finance Ltd?A: You can invest through a stock broker or a trading platform that offers access to the stock.
- Q: What is the dividend policy of Bajaj Housing Finance Ltd?A: The company may declare dividends based on its profitability and board decisions, but past performance is not indicative.
📊 Stock Investment Checklist (100 Points)
Bajaj Housing Finance Ltd • Updated: 2025-09-17 12:05:37
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10BusinessHighThe housing finance sector is growing with increasing demand for housing loans, but competition is intense.
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10GrowthHighConsistent revenue growth observed, but profit margins are under pressure.
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10ProfitabilityHighROE and ROCE are decent, but cash flow is inconsistent compared to net profit.
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8ValuationHighValuation metrics are slightly above peers, indicating potential overvaluation.
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7BalanceHighDebt levels are manageable, but liquidity ratios need improvement.
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6GovernanceGoodPromoter holding is strong, but some pledging raises concerns.
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5DriversGoodGrowth drivers are present, but execution risks remain significant.
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5TechnicalsGoodMarket sentiment is neutral with low liquidity.
Final Score & Verdict
Score 68 / 100
• Decent
Bajaj Housing Finance Ltd shows potential for growth in a favorable sector, but faces challenges in profitability and valuation metrics. Caution is advised due to execution risks.
AI Confidence Score
Instead of just “overall score,” broken into categories:
- Business Strength: 75/100
- Growth Potential: 70/100
- Profitability: 80/100
- Governance: 65/100
- Market Confidence: 72/100