BAJAJHFLBajaj Housing Financ

₹109.54-0.34%

Market Cap

₹91,322.39 Cr

Stock P/E

876.80

ROCE

7.09%

ROE

4.00%

Book Value

₹0.00

Financials

YoY Net Sales

EPS Growth

Operating Margin

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Shareholding

Holdings

Distribution

Promoter

Foreign Investors

Domestic Investors

Public

From Last Concall

POSITIVES

•
Strong start to FY26 with robust Q1 metrics across growth and profitability.
•
Funding costs declined and NIM remained stable, supporting earnings in a competitive rate environment.

NEGATIVES

•
FY26 AUM growth guidance nudged down to 21-23% from 24-26%, reflecting competitive intensity and attrition risks.
•
Margin compression risk dominates FY26 outlook; NII to remain stable but NTI/NIM may moderate by 15-20 bps amid lower investment income and lower assignment.

Peers Summary

Sector Leader

Bajaj Housing Finance Ltd. shows significant weaknesses relative to its peers, particularly in revenue growth and profitability metrics. The company is financially stressed with a high debt-equity ratio and low returns, while competitors like LIC Housing Finance and Aadhar Housing Finance display strong growth and profitability, making them more attractive options for investors.

Key Points

• Bajaj Housing Finance Ltd. has the lowest revenue growth (YoY and 3-Year) and EPS metrics among its peers.
• LIC Housing Finance Ltd. leads in profitability with the highest ROE and lowest PE ratio, indicating strong returns on equity and good valuation.
• Aadhar Housing Finance Ltd. shows solid growth and profitability metrics while maintaining a reasonable debt-equity ratio.

Top Performers

LIC Housing Finance Ltd.

Highest EPS (98.94) and ROE (16.05) with the lowest PE (5.71), indicating strong profitability and attractive valuation.

Aadhar Housing Finance Ltd.

Impressive revenue growth (20.13% YoY) and high ROE (16.93%), making it a well-rounded performer in the sector.

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