B

Bajaj Housing Finance Limited

BAJAJHFLNSE
Market snapshot · 2026-08-11 14:15 UTC

85.06

₹-0.73 (-0.85%)

MARKET CAP

STOCK P/E

26.4x

52W HIGH

₹114.58

52W LOW

₹75.85

BOOK VALUE

₹27.00

EPS

₹3.23

ROE

SECTOR

Financials

GROSS NPA

0.00%

VOLUME

31.52L

P/B RATIO

3.15x

NET NPA

0.00%

Sector

Financials

Themes

Consumer FinanceBajaj Group
E
Earnings
₹114.58₹104.90₹95.22₹85.53₹75.85VolumeEEEEAug '25Sep '25Nov '25Jan '26Mar '26Apr '26Jun '26Aug '26

AI Summary

✦ Clartha

Forecast

Analyst targets, estimate history, and probabilistic forward ranges for BAJAJHFL.

16.00 analysts

Price Forecast

Current
₹85.18
High Target
₹125.00
▲ +46.7%
Median Target
₹95.00
▲ +11.5%
Low Target
₹76.00
▼ -10.8%
Now₹85.18High ₹125.00Median ₹95.00Low ₹76.00Aug '25Now12M Target
Price history (1Y)
Analyst target range
16 analysts

Probabilistic Range

Probabilistic lognormal cone using 1Y realized volatility and analyst-target drift when available.

Time horizonRange ()Probability
3M₹72.92 - ₹96.8880%
6M₹67.84 - ₹101.4080%
12M₹60.78 - ₹107.2980%
Realized vol: +22.2% · Drift: -2.9%

Revenue Forecast

₹ Cr
Jun '26Current₹3,063.0
Sep 2026 ETrend estimate range
High₹3,479.1Base₹3,221.4Low₹2,963.7
Sep '25: ₹2,755.0 · Dec '25: ₹2,884.0 · Mar '26: ₹2,903.0 · Jun '26: ₹3,063.0 · Sep '26: ₹3,221.4 · Dec '26: ₹3,372.2
Sep '25Dec '25Mar '26Jun '26Sep '26 EDec '26 E2,755.02,884.02,903.03,063.03,221.43,372.2
PastCurrentTrend estimate: Low / Base / High

EPS Forecast

₹ / share
Jun '26Current₹0.86
Sep 2026 ETrend estimate range
High₹1.03Base₹0.92Low₹0.81
Sep '25: ₹0.77 · Dec '25: ₹0.80 · Mar '26: ₹0.80 · Jun '26: ₹0.86 · Sep '26: ₹0.92 · Dec '26: ₹0.96
Sep '25Dec '25Mar '26Jun '26Sep '26 EDec '26 E0.770.800.800.860.920.96
PastCurrentTrend estimate: Low / Base / High
EPS forecast unavailable from FMP/yfinance.
Market Intelligence

Multi-factor synthesis of 5 key dimensions

Overall Outlook
Neutral
67%
Analyst Consensus
Weakening

From 16 analysts

Mean upside+11.5%

Fundamentals

Moderate

Fundamentals institutional score is 65 using EVA spread proxy 0.7%; growth durability 79.8.

Valuation

Attractive relative to peers

Valuation institutional score is 96 using relative multiple z-scores where peer dispersion is available.

Analyst Consensus

Weakening

Analyst View institutional score is 42 using mean target upside 11.5%; dispersion penalty 20.6; recommendation breadth from available consensus.

Technical Structure

Strong Trend

Technicals institutional score is 76 using EMA-20 continuation within 5% tolerance; VCP range/volume contraction proxy.

Market Sentiment

Neutral backdrop

Recent news flow is balanced or not decisive enough to tilt the tape. Based on 1 recent ticker-linked news items.

Signal Summary

Market intelligence remains Neutral. fundamentals and valuation provide support, while analyst consensus and market sentiment remain considerations.

Composite weights: Fundamentals 25%, Valuation 20%, Analyst Consensus 20%, Technical Structure 20%, Market Sentiment 15%.

Fundamentals ModerateValuation Attractive relative to peersAnalyst Consensus WeakeningTechnical Structure Strong TrendMarket Sentiment Neutral backdrop

Key Data Points

Mean Target Price94.9 target
Mean Upside+11.5%
Technical Score76%
Fundamental Score65%
Data CoverageHigh

Important Note: This is market intelligence, not investment advice. Always conduct your own research and consider your financial goals and risk tolerance.

Valuation Metrics

Trading 23.5% below historical median. Valuation is declining — currently in the strongly undervalued zone (z-score: -1.24). Confidence: 82%.

Live forward EPS implies next-12-month EPS of ₹4.36. Applying the stock's normalized valuation corridor produces a fair range of ₹120.60 to ₹164.85, with base value near ₹150.33 (+76.5% vs current price).

Forward Valuation Outlook

Live forward estimate anchored to the company's historical valuation corridor.

Below normalized range

Forward EPS

₹4.36

Forward P/E

19.5x

Base Fair Value

₹150.33

Fair Range

₹120.60 - ₹164.85

Upside To Base

+76.5%

Estimate Source

Live forward EPS

Growth Estimate

+22.9%

P/B
Strongly Undervalued

5Y Average

4.03

Current

3.15

Overvalued

4.64

Undervalued

3.43

P/E
Strongly Undervalued

5Y Average

32.82

Current

26.37

Overvalued

37.81

Undervalued

27.66

P/S
Strongly Undervalued

5Y Average

20.72

Current

16.65

Overvalued

23.83

Undervalued

17.07

Peers & Comparison

Financials

Real statement data for revenue, earnings quality, conversion, and balance-sheet coverage. Monetary values are shown in Rs crore.

Latest revenue

₹3.06K CrJun 2026

Latest net profit

₹715 CrJun 2026

Free cash flow

₹-19.94K CrMar 2026

Net Profit

₹715 CrProfit conversion

Performance

Bars show revenue and net profit. The line shows net margin.

Rs crore + margin %
Q1 '26Q2 '26Q3 '26Q4 '26Q1 '270.00 Cr800 Cr1.60K Cr2.40K Cr3.20K Cr
  • Revenue
  • Net income
  • Net margin %

Revenue to profit conversion

Bridge from operating numbers to profit for the latest reported period.

Rs crore
Total incomeInterestOtheradjustmentsProfitbefore taxTax &minorityNet Profit0.00 Cr800 Cr1.60K Cr2.40K Cr3.20K Cr

Latest reported period: Jun 2026

Debt level and coverage

Debt, cash and free cash flow compared on the same crore scale.

Rs crore
Debt free
Mar 2022Mar 2023Mar 2024Mar 2025Mar 2026-45.00K Cr0.00 Cr45.00K Cr90.00K Cr1.35L Cr
  • Free cash flow
  • Cash & equivalents

Results

MetricJun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue +1,7631,9111,9461,9962,2092,4102,4492,5042,6162,7552,8842,9033,063
Interest1,0621,1511,2001,2791,3991,5141,5161,5511,6061,6581,7341,7621,888
Expenses +165176164219170179210222244253261262233
Financing Profit536585582498640718723731765844890878942
Financing Margin %30%31%30%25%29%30%30%29%29%31%31%30%31%
Other Income +0000000030-1300
Depreciation10101010101010111112121313
Profit before tax526575572488630708713720757833865866929
Tax %12%22%24%22%23%23%23%18%23%23%23%23%23%
Net Profit +462451437381483546548587583643665669715
EPS in Rs0.690.670.650.570.620.660.660.700.700.770.800.800.86
Gross NPA %0.23%0.24%0.25%0.27%0.28%0.29%0.29%0.29%0.30%0.26%0.27%0.27%
Net NPA %0.08%0.09%0.10%0.10%0.11%0.12%0.13%0.11%0.13%0.12%0.11%0.11%
Raw PDF

All values in ₹ Crores unless otherwise stated. Source: Screener Master (Standalone).

Shareholding Pattern

HolderJun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Promoters +88.70%88.70%86.70%86.70%86.70%
FIIs +1.04%0.91%0.94%0.99%0.90%
DIIs +0.59%0.54%1.39%1.18%1.00%
Public +9.61%9.81%10.92%11.10%11.34%
Others0.06%0.04%0.05%0.03%0.06%
Jun 2026
Promoters +
FIIs +
DIIs +
Public +
Others

Events Timeline

Annual Report FY26

FY2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Allotment

Aug 10, 2026PDFCompany Reports Open

ESG Rating Received From ESG Risk Assessments & Insights Limited

Aug 07, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Earnings Call Transcript

Aug 04, 2026PDFCompany Reports Open

Announcement under Regulation 30 (LODR)-Issue of Securities

Aug 04, 2026PDFCompany Reports Open