BAJAJ HOUSING FINANCE LTD
Financial trend (75/100) does the heavy lifting; valuation (21/100) is the drag.
Fair valueOvervaluedBAJAJ HOUSING FINANCE LTD earns a Hold from StocksWizard, with a blended score of 45/100. On 27.4x trailing earnings it sits pricier than the Financial Services median of about 24.3x. The price is about 26% below its 52-week high of ₹115.92 and 18% above the low of ₹73.09. Financial health scores 72/100, with a Piotroski F-score of 1/9. The average analyst target of ₹96.06 implies about 12% upside across 16 analysts. It clears 4 of 12 investability checks, with durability 63, valuation 41 and momentum 24 on our 0–100 scales.
Analysis by Ankit Sharma · StocksWizard's own estimates from end-of-day public data — see how we calculate them. For information only, not investment advice.
With a 20% margin of safety, our buy-below price is ₹35.57.
Analyst views
1-year price
EOD · 2026-07-3152-week range
-25.79% from the 52-week high.
Price above both moving averages reads as an intact uptrend; below both, the trend is against you.
Verdict pillars
Hold45Piotroski F-score 1/9 — quality of earnings & balance sheet.
Our scores
Durability rewards strong, low-debt, profitable businesses; Valuation rewards stocks cheap vs their sector; Momentum rewards strong price trends.
Investability checklist
- Fail: ROE above 15%: 12.1%
- Fail: Low debt (D/E < 0.5): 4.61x
- Fail: Positive free cash flow
- Pass: Revenue growth > 10%: 29%
- Pass: Earnings growing: 14%
- Pass: Net margin ≥ 10%: 62.8%
- Pass: Current ratio > 1.5: 5.64
- Fail: Below our fair value
- Fail: Margin of safety ≥ 20%
- Fail: Above 200-day average
- Fail: Above 50-day average
- No data: Positive 1-year return
- No data: Altman Z in safe zone
- Fail: Piotroski ≥ 7: 1/9
Quarterly results
Annual financials
Shareholding
- Promoter86.7%
- Institutions1.0%
- Public & other12.3%
Promoter holding via insider stake; institutional via reported holdings.
Key fundamentals
Bull case vs bear case
Bull case
Strengths
- Healthy profit margin (62.8%).
Opportunities
- Revenue growing (29% YoY).
Bear case
Weaknesses
- High debt relative to equity.
- Price below its 200-day moving average (downtrend).
- Weak Piotroski score (1/9).
Threats
- Trades ~48% above our estimated fair value.
About BAJAJ HOUSING FINANCE LTD
Bajaj Housing Finance Limited provides housing loans in India to individuals and corporations for residential and commercial property purchases, renovations, and improvements. The company also offers loans secured against property for business or personal use, and working capital financing for business expansion.
BAJAJ HOUSING FINANCE LTD — frequently asked questions
Is BAJAJ HOUSING FINANCE LTD a buy, hold or sell?
StocksWizard currently rates BAJAJ HOUSING FINANCE LTD (BAJAJHFL) a Hold, based on a blended score of 45/100 across valuation, quality, momentum and price trend. This is our own model-based view, not investment advice.
What is BAJAJ HOUSING FINANCE LTD's fair value?
Our blended DCF and relative-valuation model estimates BAJAJ HOUSING FINANCE LTD's fair value at about ₹44.46, versus a current price of ₹86.02 — roughly 48% downside. On that basis the stock looks overvalued by 48%.
Is BAJAJ HOUSING FINANCE LTD financially healthy?
BAJAJ HOUSING FINANCE LTD scores 72/100 on our financial-health model, with a Piotroski F-score of 1/9.
How has BAJAJ HOUSING FINANCE LTD's share price performed?
BAJAJ HOUSING FINANCE LTD is down 1% over three months, and last traded at ₹86.02. Past performance doesn't predict future returns.
More in Financial Services
View allOur verdict, fair value, financial-health and checklist are StocksWizard's own estimates, computed from public end-of-day data using standard models (DCF, relative valuation, Altman Z, Piotroski). For information only — not investment advice or a recommendation. Verify independently before investing.