Bajaj Housing Finance Financials
NSE: BAJAJHFL | BSE: 544252
₹84.22
As on 10-Sep-2026IST
Market cap
₹70,275 Cr
Revenue (TTM)
₹11,606 Cr
P/E Ratio
26.1
P/B Ratio
3
Div. Yield
0 %
Income Statement (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Operating Income
|
11,606.41
|
11,147.20
|
9,553.98
|
7,617.31
|
5,664.73
|
3,766.71
|
|||||
|
Other Income
|
0.38
|
3.09
|
0.35
|
0.40
|
0.71
|
0.42
|
|||||
|
Total Income
|
11,606.79
|
11,150.29
|
9,554.33
|
7,617.71
|
5,665.44
|
3,767.13
|
|||||
|
Interest Expense
|
7,041.92
|
6,761.45
|
5,981.29
|
4,694.71
|
3,213.30
|
2,157.24
|
|||||
|
Operating Expenses
|
1,010.82
|
1,008.35
|
761.66
|
722.08
|
718.68
|
624.27
|
|||||
|
Exceptional Income/Expenses
|
-13.14
|
-13.14
|
--
|
--
|
--
|
--
|
|||||
|
Profit before Tax
|
3,491.82
|
3,320.02
|
2,770.23
|
2,161.32
|
1,700.06
|
959.86
|
|||||
|
Taxes
|
799.50
|
759.68
|
607.33
|
430.10
|
442.26
|
250.24
|
|||||
|
Profit after Tax
|
2,692.32
|
2,560.34
|
2,162.90
|
1,731.22
|
1,257.80
|
709.62
|
|||||
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Share of Associate
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Consolidated Profit
|
2,692.32
|
2,560.34
|
2,162.90
|
1,731.22
|
1,257.80
|
709.62
|
Liabilities (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Shareholder's Funds
|
22,522.79
|
22,522.79
|
19,946.80
|
12,233.50
|
10,503.19
|
6,741.36
|
|||||
|
Minority Interest
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Non-Current Liabilities
|
209.35
|
79,984.37
|
64,354.80
|
53,575.08
|
53,379.87
|
37,482.27
|
|||||
|
Current Liabilities
|
1,04,414.91
|
27,340.79
|
20,490.18
|
17,455.50
|
1,770.74
|
4,287.87
|
|||||
|
Total Liabilities
|
1,27,147.05
|
1,29,904.30
|
1,04,835.92
|
83,315.02
|
65,653.80
|
48,527.08
|
Assets (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Non-Current Assets
|
210.57
|
1,28,276.93
|
1,02,791.21
|
81,042.82
|
63,848.26
|
47,265.22
|
|||||
|
Current Assets
|
1,26,880.84
|
1,571.02
|
2,000.57
|
2,221.26
|
1,805.54
|
1,246.28
|
|||||
|
Total Assets
|
1,27,147.05
|
1,29,904.30
|
1,04,835.92
|
83,315.02
|
65,653.80
|
48,527.08
|
|||||
|
Contingent Liabilities
|
--
|
31.43
|
21.51
|
4.73
|
3.49
|
4.23
|
Cashflow (₹ Cr) |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Cash From Operating Activities
|
--
|
-19,894.86
|
-17,074.87
|
-14,600.14
|
-14,331.77
|
-12,480.53
|
|||||
|
Cash Flow from Investing Activities
|
--
|
-1,201.68
|
-797.55
|
-554.66
|
-611.44
|
2,197.32
|
|||||
|
Cash from Financing Activities
|
--
|
21,196.71
|
17,870.19
|
15,124.78
|
14,630.06
|
10,228.46
|
|||||
|
Net Cash Inflow / Outflow
|
--
|
100.17
|
-2.23
|
-30.02
|
-313.15
|
-54.75
|
Financials Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Adjusted EPS (₹)
|
3.24
|
3.07
|
2.60
|
2.58
|
1.87
|
1.45
|
|||||
|
Cash EPS (₹)
|
3.23
|
3.13
|
2.65
|
2.64
|
1.92
|
1.51
|
|||||
|
Adjusted Book Value (₹)
|
27.84
|
26.98
|
23.93
|
18.23
|
15.65
|
13.80
|
|||||
|
Dividend per Share (₹)
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
Cash Flow per Share (₹)
|
--
|
-23.89
|
-20.50
|
-21.75
|
-21.35
|
-25.56
|
|||||
|
Free Cash Flow per Share (₹)
|
--
|
-24.55
|
-20.71
|
-21.61
|
-21.23
|
-25.05
|
Profitability Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
ROCE (%)
|
--
|
8.83
|
9.54
|
9.42
|
8.74
|
7.26
|
|||||
|
ROE (%)
|
12.37
|
12.08
|
13.45
|
15.23
|
14.59
|
11.11
|
|||||
|
ROA (%)
|
2.34
|
2.18
|
2.30
|
2.33
|
2.20
|
1.64
|
|||||
|
EBIT Margin (%)
|
90.87
|
90.53
|
91.60
|
90.00
|
86.72
|
82.74
|
|||||
|
Net Margin (%)
|
23.20
|
22.96
|
22.64
|
22.73
|
22.20
|
18.84
|
|||||
|
Cash Profit Margin (%)
|
--
|
23.39
|
23.07
|
23.25
|
22.79
|
19.52
|
Growth Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Revenue Growth (%)
|
16.34
|
16.68
|
25.42
|
34.47
|
50.39
|
19.40
|
|||||
|
EBIT Growth (%)
|
16.14
|
15.32
|
27.65
|
39.55
|
57.62
|
20.80
|
|||||
|
Net Profit Growth (%)
|
20.45
|
18.38
|
24.94
|
37.64
|
77.25
|
56.58
|
|||||
|
EPS Growth (%)
|
18.93
|
18.37
|
0.69
|
37.64
|
28.96
|
56.58
|
|||||
|
Book Value Growth (%)
|
--
|
12.77
|
62.91
|
16.47
|
55.80
|
11.76
|
Valuation Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Price / Earnings
|
26.10
|
23.78
|
47.46
|
--
|
--
|
--
|
|||||
|
Price / Book Value
|
3.03
|
2.71
|
5.15
|
--
|
--
|
--
|
|||||
|
Dividend Yield (%)
|
--
|
--
|
--
|
--
|
--
|
--
|
|||||
|
EV/EBITDA
|
16.40
|
16.21
|
21.00
|
10.99
|
12.20
|
14.63
|
|||||
|
Close Price (₹)
|
87.50
|
73.09
|
123.29
|
--
|
--
|
--
|
|||||
|
High Price (₹)
|
124.10
|
137.00
|
188.50
|
--
|
--
|
--
|
|||||
|
Low Price (₹)
|
72.60
|
72.60
|
70.00
|
--
|
--
|
--
|
|||||
|
Market Cap (₹ Cr)
|
70,274.91
|
60,873.74
|
1,02,644.14
|
--
|
--
|
--
|
Solvency Ratios |
TTM | Mar-26 | Mar-25 | Mar-24 | Mar-23 | Mar-22 | Mar-21 | Mar-20 | Mar-19 | Mar-18 | Mar-17 |
|---|---|---|---|---|---|---|---|---|---|---|---|
|
Debt to Equity
|
--
|
4.61
|
4.12
|
5.65
|
5.12
|
6.15
|
|||||
|
Short term debt to equity ratio
|
--
|
1.13
|
0.96
|
1.34
|
0.06
|
0.59
|
|||||
|
Current Ratio
|
1.22
|
0.06
|
0.10
|
0.13
|
1.02
|
0.29
|
|||||
|
Quick Ratio
|
1.22
|
0.06
|
0.10
|
0.13
|
1.02
|
0.29
|
|||||
|
Interest Coverage
|
1.50
|
1.49
|
1.46
|
1.46
|
1.53
|
1.44
|