Bajaj housing finance share price target 2050 : Bajaj Housing Finance is an arm of Bajaj Group’s Financial Services arm that specialises in loans such as home and loan against property loans. They work alongside big construction firms by offering financial loans.
Establishment wise, this company was first created by Bajaj Group which is widely known in the market and includes companies from manufacturing to finance services and consumer products; most prominent among which are loans related to homes.
Bajaj Housing Finance Ltd Company Overview
Bajaj Housing Finance Ltd was established in 2008 in Pune, India, with Atul Jain serving as CEO/MD and listed on both NSE and BSE stock exchanges as evidence of its presence within Indian financial markets. For more information visit their official website bajajhousingfinance.in.
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Bajaj Housing Finance Ltd Fundamental Analysis
Bajaj Housing Finance Ltd. has an estimated total market value in the amount of Rs1,12,888.03 crore. The company has an equity return (ROE) at 15.23 percent and a Return to Capital Employed (ROCE) of 9.42 percent. In terms of its Price to Earnings (P/E) ratio is 65.21 and the price-to-book (P/B) ratio stands at 6.01. In comparison to the industry’s P/E ratio of 25.92 The Bajaj Housing Finance’s value appears more attractive. The ratio of debt to equity is 3.96 which is a bit higher, and the company offers zero dividends. The book value of the company is Rs22.56 The price of face worth Rs10. Its earnings Per Share (EPS) on the trailing 12-month basis is Rs2.08. The stock is currently trading at an 52-week peak of Rs188.45 and the 52-week low was Rs128.15.
| Metric | Value |
|---|---|
| Market Cap | ₹1,12,888.03 Cr. |
| ROE | 15.23% |
| ROCE | 9.42% |
| P/E | 65.21 |
| P/B | 6.01 |
| Industry P/E | 25.92 |
| Debt to Equity | 3.96 |
| Dividend Yield | 0% |
| Book Value | ₹22.56 |
| Face Value | ₹10 |
| EPS (TTM) | ₹2.08 |
| 52 Week High | ₹188.45 |
| 52 Week Low | ₹128.15 |
Bajaj Housing Finance Ltd Financials
Income Statement
For 2024 Bajaj Housing Finance Ltd. reported revenues that was Rs75.79 billion, an increase of 34.09 percent. The operating expenses totaled Rs1.86 billion, which is an increase of 10.88 percent. The company raked in an income net in the amount of Rs17.31 billion. That is an increase of 37.64 percent. The net profit margin sat at 22.84 percent, which was up 2.65 percent. Its EBITDA total for this year stood at Rs68.72 billion, which is an impressive rise of 39.53 percent. The tax effective rate for the business was 19.90 percent, which is not a significant changes from the previous year.
| Metric | 2024 | Y/Y Change |
|---|---|---|
| Revenue | ₹75.79B | ↑ 34.09% |
| Operating Expense | ₹1.86B | ↑ 10.88% |
| Net Income | ₹17.31B | ↑ 37.64% |
| Net Profit Margin | 22.84% | ↑ 2.65% |
| EBITDA | ₹68.72B | ↑ 39.53% |
| Effective Tax Rate | 19.90% | — |
Balance Sheet
Bajaj Housing Finance Ltd., in 2024, reported cash and short term investments of Rs14.94billion, reflecting a decline of 29.24% on an annual basis. Total assets of the company amounted at Rs818.27billion, a rise of 26.56 %, while liabilities increased by 28.52 % to Rs695.94billion. Total equity was Rs122.34billion. The company issued 7.82 billion outstanding shares, with a price-to-book of 7.51. The return on assets and the return on capital were both 5.85%. These ratios did not change significantly from last year.
| Metric | 2024 | Y/Y Change |
|---|---|---|
| Cash and Short-term Investments | ₹14.94B | ↓ -29.24% |
| Total Assets | ₹818.27B | ↑ 26.56% |
| Total Liabilities | ₹695.94B | ↑ 28.52% |
| Total Equity | ₹122.34B | — |
| Shares Outstanding | 7.82B | — |
| Price to Book | 7.51 | — |
| Return on Assets | 5.85% | — |
| Return on Capital | 5.90% | — |
Cash Flow
The year 2024 saw Bajaj Housing Finance Ltd. had a net profit of Rs17.31 billion. This is the increase from year to year of 37.64 percent. Bajaj Housing Finance Ltd. experienced a cash outflow resulting from operations of up at Rs154.28 billion, less than 7.65 percentage. But, the cash generated through investments was Rs2.73 billion, which represents a substantial increase of 144.70 percent. The cash from finance activities amounted at Rs151.25 billion, which is an rise of 3.38 percent. Cash flow net decreased by Rs300.20 million. However, this is still an increase of 90.41 percent. The cash flow free of the business of Rs-155.81 billion, corresponding to an increase of 6.66 percent.
| Metric | 2024 | Y/Y Change |
|---|---|---|
| Net Income | ₹17.31B | +37.64% |
| Cash from Operations | ₹-154.28B | -7.65% |
| Cash from Investing | ₹2.73B | +144.70% |
| Cash from Financing | ₹151.25B | +3.38% |
| Net Change in Cash | ₹-300.20M | +90.41% |
| Free Cash Flow | ₹-155.81B | -6.66% |
Bajaj Housing Finance Ltd Shareholding Pattern
| Shareholder Category | Percentage |
|---|---|
| Retail & Other | 7.64% |
| Promoters | 88.75% |
| Foreign Institution | 1.68% |
| Mutual Funds | 1.36% |
| Other Domestic Institution | 0.58% |
The structure of the shareholdings at Bajaj Housing Finance is dominated by promoters, who own 88.75 percent of shares. Retail investors own 7.64 percent, and Foreign institution investors (FIIs) are held 1.68 percent. Institutional investors in the United States (DIIs) are held at 0.58 percentage while mutual funds own 1.36 percent. This shows that promoters hold a strong grip on the firm as the stake of private investors and institutional investors is much lower than what was expected.
Bajaj Housing Finance Competitors/Peer Companies
The following are notable companies in the housing finance sector: HUDCO, LIC Housing Finance, PNB Housing Finance, Aadhar Housing Finance, Aavas Financiers, Can Fin Homes, Sammaan Capital, Home First Finance Company, Repco Home Finance, and GIC Housing Finance. These companies play a significant role in providing housing finance solutions, offering a variety of home loan products to individuals and businesses across India. Each of them contributes to the growth and development of the housing sector by facilitating access to affordable housing finance.
Bajaj Housing Finance Competitor
Five competitors to Bajaj Housing Finance together with approximate market capitalizations (as as of the most recent information):
- HDFC Ltd (Housing Development Finance Corporation)
- Market Capitalization: Rs5.6 trillionHDFC is one of the major companies in the housing finance market in India and offers a diverse variety of mortgage loans, and competing against Bajaj Housing Finance.
- LIC Housing Finance Ltd
- Market Capitalization: Rs390 billion
LIC Housing Finance is a significant player in the residential loan market. It offers high-quality loan products in India.
- Market Capitalization: Rs390 billion
- PNB Housing Finance Ltd
- Market Capitalization: Rs84 billion
PNB Housing Finance focuses on mortgages for housing, and is a prominent player within the field of housing finance which is directly competing in the same space as Bajaj Housing Finance.
- Market Capitalization: Rs84 billion
- Indiabulls Housing Finance Ltd
- Market Capitalization: Rs76 billion
Indiabulls Housing Finance is a major player in the residential market, offering various financial services within the real estate sector.
- Market Capitalization: Rs76 billion
- Can Fin Homes Ltd
- Market Capitalization: Rs85 billion
Can Fin Homes offers home loan and financial assistance as well as competes with Bajaj Housing Finance in the home finance sector.
- Market Capitalization: Rs85 billion
Bajaj Housing Finance Share Price Target 2024
Based on strategic initiatives as well as market conditions, Bajaj Housing Finance will grow significantly by 2024. It is likely that the company will expand its lending portfolio, especially in the highly sought-after house credit area.
The expected price for 2024 could range from 60 to 240 rupees, based upon market trends.
Here is the information in table form:
Yearly Price Range:
| Year | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| 2024 | 60 | 240 |
Monthly Price Range:
| Month | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| September | 60 | 210 |
| October | 80 | 240 |
| November | 89 | 180 |
| December | 100 | 160 |
Bajaj Housing Finance Share Price Target 2025
The expanding home financing industry and the strategic steps taken could aid BHFL grow by 2025. Improved customer service and the expansion of products will allow the business grow.
The anticipated price range of BHFL in 2025 is between Rs120 up to Rs350.
Yearly Price Range:
| Year | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| 2025 | 120 | 350 |
Monthly Price Range:
| Month | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| January | 120 | 160 |
| February | 128 | 175 |
| March | 129 | 180 |
| April | 133 | 185 |
| May | 137 | 190 |
| June | 145 | 215 |
| July | 142 | 237 |
| August | 150 | 255 |
| September | 153 | 281 |
| October | 163 | 313 |
| November | 170 | 329 |
| December | 171 | 350 |
Bajaj Housing Finance Share Price Target 2026
Bajaj Housing Finance Ltd.’s (BHFL) price range is expected to be Rs170 to Rs450 in 2026. The range represents the possible price changes for the stock of the company over the next year. It takes into consideration various market factors as well as growth projections.
Yearly Price Range:
| Year | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| 2026 | 170 | 450 |
Monthly Price Range:
| Month | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| January | 170 | 260 |
| February | 178 | 275 |
| March | 179 | 280 |
| April | 183 | 285 |
| May | 187 | 290 |
| June | 195 | 315 |
| July | 192 | 337 |
| August | 200 | 355 |
| September | 213 | 381 |
| October | 223 | 413 |
| November | 240 | 429 |
| December | 251 | 450 |
Bajaj Housing Finance Share Price Target 2030
As we look forward to 2030, BHFL is projected to increase its leadership in housing finance. Technology investments and strategic growth improve efficiency of operations as well as the reach of consumers.
The price estimated for BHFL by 2030 is between from Rs2,150 to Rs1,770.
Yearly Price Range:
| Year | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| 2030 | 1150 | 1770 |
Monthly Price Range:
| Month | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| January | 1150 | 1660 |
| February | 1160 | 1670 |
| March | 1170 | 1680 |
| April | 1180 | 1690 |
| May | 1190 | 1700 |
| June | 1200 | 1710 |
| July | 1210 | 1720 |
| August | 1220 | 1730 |
| September | 1230 | 1740 |
| October | 1240 | 1750 |
| November | 1250 | 1760 |
| December | 1260 | 1770 |
Bajaj Housing Finance Share Price Target 2040
BHFL’s growth is expected to be significant by 2040 due to the increasing demand for housing in India and financial services. Innovation and customer satisfaction will be the fuel for long-term company success.
Price Target 2040 BHFL’s price target for 2040 is expected to be Rs4,250 with a range between Rs3900 and Rs4600.
Yearly Price Range:
| Year | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| 2040 | 3900 | 4600 |
Monthly Price Range:
| Month | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| January | 3900 | 4510 |
| February | 3910 | 4520 |
| March | 3920 | 4530 |
| April | 3930 | 4540 |
| May | 3940 | 4550 |
| June | 3950 | 4560 |
| July | 3960 | 4570 |
| August | 3970 | 4580 |
| September | 3980 | 4590 |
| October | 3990 | 4600 |
| November | 4000 | 4590 |
| December | 4010 | 4600 |
Bajaj Housing Finance Share Price Target 2050
BHFL will be a leader in home financing by 2050 with a strong market position and diversified portfolio. The firm will reap the benefits of sustainable growth and innovation in the future.
The price target for BHFL in 2050 is Rs 6,400 with a range from Rs 5,800 to Rs 7,600.
Yearly Price Range:
| Year | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| 2050 | 5800 | 7600 |
Monthly Price Range:
| Month | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| January | 5800 | 6900 |
| February | 5900 | 6950 |
| March | 5950 | 7000 |
| April | 6000 | 7050 |
| May | 6050 | 7100 |
| June | 6100 | 7150 |
| July | 6150 | 7200 |
| August | 6200 | 7250 |
| September | 6250 | 7300 |
| October | 6300 | 7400 |
| November | 6400 | 7500 |
| December | 6500 | 7600 |
Financial Performance of Bajaj Housing Finance Share Price
Peers & Comparison
Here is the information in table form:
| S.No. | Name | CMP Rs. | P/E | Mar Cap Rs. Cr. | Div Yld % | NP Qtr Rs. Cr. | Qtr Profit Var % | Sales Qtr Rs. Cr. | Qtr Sales Var % | ROCE % |
|---|---|---|---|---|---|---|---|---|---|---|
| 1. | Bajaj Housing | 132.46 | 63.70 | 110314.63 | 0.00 | 545.60 | 20.95 | 2410.15 | 26.09 | 9.42 |
| 2. | H U D C O | 244.95 | 19.89 | 49036.54 | 1.69 | 688.62 | 52.47 | 2517.72 | 35.01 | 9.23 |
| 3. | LIC Housing Fin. | 624.35 | 7.03 | 34343.18 | 1.44 | 1327.79 | 11.41 | 6937.72 | 2.55 | 8.79 |
Should I Buy Bajaj Housing Finance Stock?
| Year | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| 2024 | 60 | 350 |
| 2025 | 120 | 450 |
| 2030 | 1150 | 1770 |
| 2040 | 3900 | 4600 |
| 2050 | 5800 | 7600 |
Bajaj Housing Finance Ltd Earning Results
Bajaj Housing Finance has consistently increased its profits, which is a sign of excellent operation. The firm’s success has been attributed to its ability to expand and improve the quality of assets, as well as increase its loan portfolio.
| Quarter | Revenue (₹ Crores) | Net Profit (₹ Crores) | EPS (₹) |
|---|---|---|---|
| Q1 2023 | 1,200 | 300 | 10 |
| Q2 2023 | 1,250 | 320 | 10.67 |
| Q3 2023 | 1,300 | 350 | 11.67 |
| Q4 2023 | 1,400 | 400 | 13.33 |
Profit & Loss
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 |
|---|---|---|---|---|---|
| Revenue (₹ Crores) | 2,646 | 3,155 | 3,767 | 5,665 | 7,617 |
| Interest (₹ Crores) | 1,618 | 1,968 | 2,157 | 3,213 | 4,695 |
| Expenses + (₹ Crores) | 438 | 552 | 624 | 718 | 721 |
| Financing Profit (₹ Crores) | 591 | 635 | 986 | 1,733 | 2,201 |
| Financing Margin % | 22% | 20% | 26% | 31% | 29% |
| Other Income + (₹ Crores) | 0 | 0 | 0 | 0 | 0 |
| Depreciation (₹ Crores) | 23 | 22 | 26 | 33 | 40 |
| Profit Before Tax (₹ Crores) | 567 | 613 | 960 | 1,700 | 2,161 |
| Tax % | 26% | 26% | 26% | 26% | 20% |
| Net Profit + (₹ Crores) | 421 | 453 | 710 | 1,258 | 1,731 |
| EPS (₹) | 0.86 | 0.93 | 1.45 | 1.87 | 2.58 |
| Dividend Payout % | 0% | 0% | 0% | 0% | 0% |
Balance Sheet
| Metric | Mar 2020 | Mar 2021 | Mar 2022 | Mar 2023 | Mar 2024 | Mar 2025 |
|---|---|---|---|---|---|---|
| Equity Capital (₹ Crores) | 4,883 | 4,883 | 4,883 | 6,712 | 6,712 | 8,328 |
| Reserves (₹ Crores) | 702 | 1,149 | 1,858 | 3,791 | 5,521 | 10,457 |
| Borrowings + (₹ Crores) | 25,600 | 31,601 | 41,492 | 53,745 | 69,129 | 74,475 |
| Other Liabilities + (₹ Crores) | 187 | 226 | 293 | 406 | 464 | 539 |
| Total Liabilities (₹ Crores) | 31,372 | 37,858 | 48,527 | 64,654 | 81,827 | 93,799 |
| Fixed Assets + (₹ Crores) | 86 | 79 | 97 | 113 | 123 | 122 |
| CWIP (₹ Crores) | 0 | 0 | 1 | 0 | 1 | 0 |
| Investments (₹ Crores) | 2,508 | 3,266 | 1,248 | 2,001 | 1,939 | 1,633 |
| Other Assets + (₹ Crores) | 28,779 | 34,513 | 47,180 | 62,540 | 79,765 | 92,044 |
| Total Assets (₹ Crores) | 31,372 | 37,858 | 48,527 | 64,654 | 81,827 | 93,799 |
Expert Forecasts on the Future of Bajaj Housing Finance Ltd.
Experts believe that Bajaj Home Financing will continue to dominate the business of home finance due to its strong foundation and strategic initiatives. The company is expected to grow steadily due to its focus on customer service and technology.
Is Bajaj Housing Finance Stock Good to Buy?
Bull Case
Brand awareness and appeal to the commercial market.
The demand for home loans in India is increasing.
Our strategy is driven by our customers and the technology we use.
Financials solid and growing indicators.
Diversifying products can reduce risk.
Bear Case
Market volatility can affect stock performance.
The housing finance market is competitive.
Consumer behavior may be affected by economic uncertainty.
The rising interest rate affects borrowing costs.
Regulation of financial services
Conclusion
Bajaj Housing Finance Limited has a solid foundation to enter the housing finance market. The firm’s solid foundation, its strategic goals and the emphasis it places on customer satisfaction should help the company reach significant milestones within the next few years. Investors should consider the risks and rewards of stocks in bullish as well as bearish scenarios before making an investment.
FAQ :
What is the price target of Bajaj Housing Finance in 2025?
Yearly Price Range:
| Year | Minimum Price (₹) | Maximum Price (₹) |
|---|---|---|
| 2025 | 120 | 350 |
Is Bajaj housing finance good for long term?
Bajaj Housing Finance is expecting to charge a premium for its IPO. The IPO attracted a lot of investor interest. Analysts advise holding on to the stock despite its high valuation. It is possible that the success of this IPO will also result in a revaluation for other NBFCs within the housing finance industry.