Bajaj Housing Finance Share Price Target 2025: This article is going to mainly focus on Bajaj Housing Finance Share Price Target 2025, 2026, 2028, 2030, 2040 and 2050. Along with this, we will also discuss the company’s Fundamental, sentiment, Income Report, Share Price history, and Quarterly Report. Our analysis will help investors in taking the right decision.
About Bajaj Housing Finance
Bajaj Housing Finance is a subsidiary of Bajaj Finance Limited, classified as an Upper Layer NBFC by RBI. BHFL offers a range of home financing solutions to suit diverse customer needs. It offers home loans, loan against property and construction finance with competitive interest rates and flexible repayment tenures. Bajaj Housing Finance simplifies the loan application process with minimal documentation and quick approval. It serves over 92.09 million customers across the country.
Bajaj Housing Finance Fundamental
Bajaj Housing Finance is a well-known name for home loans, with a market capitalization of ₹105726 Crore, which indicates that it is a large-cap company. The company is listed on both NSE and BSE with the code BAJAJHFL and 544252 respectively. Reserves and surplus of ₹5521.34 crore suggest good financial support, which reflects the company’s strong position to fight adverse conditions.
Total revenue stood at ₹7618 Crore in FY24, showing a jump of 34.47% over ₹5665 Crore in FY23. Net profit accelerated to ₹1731 Crore in FY24, showing a jump of 37.60% over FY23. The company is successful in maintaining consistent profitability which reflects strong operational efficiency. Margins have improved over time, with net profit margin increasing from 14.36% in FY21 to 22.73% in FY24.
The company’s ROE (Return on Equity) is 15.2%, which reflects the company’s efficient use of shareholder equity to generate profits. The return on capital employed (ROCE) is slightly low at 9.42% but shows a good return on total capital. However, its debt-to-equity ratio of 3.96 indicates heavy reliance on borrowings, which could be risky in adverse economic conditions.
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The P/E ratio of 57.18 is high compared to the industry average of 24.93, which indicates that the stock is overvalued relative to its earnings. The P/B ratio of 5.63 indicates that the stock is trading at a significant premium to its book value. The company’s dividend yield is 0%, which indicates no dividend payout to investors. The company’s EPS (2.58 in FY24) has increased over time, indicating consistent profitability.
| Description | Value |
|---|---|
| Company Name | Bajaj Housing finance Ltd. |
| Sector | Finance |
| Established | 13Jun 2008 |
| Website | Bajaj Housing finance.in |
| Listing At | BSE, NSE |
| BSE Code | 544252 |
| NSE Code | BAJAJHFL |
| Mkt Cap | ₹105726Cr |
| Reserves and Surplus | ₹5521.34Cr |
| ROE | 15.2% |
| ROCE | 9.42% |
| 52 Week High | ₹188.50 |
| 52 Week Low | ₹124.89 |
| P/E Ratio (TTM) | 57.18 |
| Industry P/E | 24.93 |
| P/B Ratio | 5.63 |
| Face Value | 10 |
| Book Value Per Share | ₹22.56 |
| EPS (TTM) | ₹3.10 |
| Dividend Yield | 0.00% |
| Debt to Equity | 3.96 |
| Total Revenue | ₹7618Cr |
| Revenue Growth | 34.47% |
| Net Profit (Anual) | ₹1731Cr |
| Profit Growth | 37.60% |
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Bajaj Housing Finance Price Target 2025
The current sentiment of Bajaj Housing Finance is showing strong bearish. the Bajaj Housing Finance share price target 2025 is going to be between Rs 104 to Rs 165.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| January | ₹116 | ₹126 |
| February | ₹108 | ₹120 |
| March | ₹104 | ₹125 |
| April | ₹110 | ₹130 |
| May | ₹114 | ₹136 |
| June | ₹109 | ₹130 |
| July | ₹116 | ₹138 |
| August | ₹120 | ₹142 |
| September | ₹124 | ₹148 |
| October | ₹130 | ₹154 |
| November | ₹135 | ₹160 |
| December | ₹138 | ₹165 |
Bajaj Housing Finance Share Price Target 2026
According to market experts, the price target of Bajaj Housing Finance for 2026 is going to be between Rs146 to Rs 220.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2026 | ₹146 | ₹220 |
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Bajaj Housing Finance Share Price Target 2028
According to market experts, the price target of Bajaj Housing Finance for 2028 is going to be between Rs 264 to Rs 337.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2028 | ₹264 | ₹337 |
Bajaj Housing Finance Share Price Target 2030
According to market experts, Bajaj Housing Finance Share Price Target 2030 is going to be between Rs362 to Rs 486.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2030 | ₹362 | ₹486 |
Bajaj Housing Finance Share Price Target 2040
According to the past trend of the company, Bajaj Housing Finance Share Price Target 2040 is going to be between Rs 896 to Rs 1069.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2040 | ₹896 | ₹1069 |
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Bajaj Housing Finance Share Price Target 2050
According to the past trend of the company, Bajaj Housing Finance Share Price Target 2050 is going to be between Rs 1520 to Rs 1646.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2050 | ₹1520 | ₹1646 |
Latest News
- Bajaj Housing Finance Ltd (BHFL) launches Dual Rate Home Loans and Loans Against Property with fixed interest for the first 3 years, offering predictable EMIs and protection from rate volatility.
Strengths
- With a market capitalization of ₹105,726 crore, Bajaj Housing Finance is a significant player in the finance sector.
- The company’s revenue (FY21- 3155Cr to FY24- 7618Cr) and profit (FY21- 1731Cr to FY24- 1258Cr) have grown steadily over time.
- The return on equity (ROE) of 15.2% reflects efficient use of shareholders’ equity.
- The company’s net cash flow from operating activities has increased.
- The return on capital employed (ROCE) of 9.42% is slightly lower but shows a good return on total capital.
- The annual revenue has grown by 34.47%, and profit growth is 37.60%, indicating strong operating performance.
- Revenue has registered consistent growth over the last 4 quarters.
- The quarterly profit margins show a steady increase (net profit margin ~22%).
- The company maintains a strong operating profit margin of over 90%, which reflects excellent control over operating expenses.
- The 88.75% promoter shareholding ensures stability and confidence in the management.
- The book value per share is ₹22.56, indicating a strong asset base relative to liabilities.
- The company’s earnings per share (EPS) is ₹3.10 which demonstrates profitability.
Risks
- Its debt to equity ratio is 3.96, which indicates heavy reliance on borrowings, which can be risky in adverse economic conditions.
- The company’s P/E ratio (57.18) is higher than the industry average P/E ratio (24.93), which indicates that the stock is overvalued.
- The company’s dividend yield is 0.00%, which may discourage income-seeking investors.
- The company is paying high interest compared to its earnings.
- Continuous negative cash flow from operating activities raises concerns about liquidity and working capital management.
- The company is weak in generating cash from its core business.
- Cash flow from financing activities is highly positive, which reflects reliance on debt to finance growth and operations.
Sentiment
The current sentiment of Bajaj Housing Finance is showing strong bearish. It is trading below 5 out of 5 Moving Averages and also trading below 6 out of 9 Oscillators in bearish zone, 1 in bullish zone, and 2 in neutral.
Technical Indicator
According to Investing.com, 4 out of 10 technical indicators are giving buy signal, 4 are giving sell and 2 are giving neutral signal.
| Action | Indicator |
|---|---|
| Buy | 0 |
| Neutral | 0 |
| Sell | 7 |
Bajaj Housing Finance Share Price History
Bajaj Housing Finance was listed on BSE and NSE on 16 September 2024 at Rs 150, up 114.2% from the issue price of Rs 70. The very next day of listing, the company jumped 10% but after that its stock continued to fall. Its stock has fallen by 23.83% since listing.
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Bajaj Housing Finance Quarterly Income Report
| Description | Sep 24 | Jun 24 | Mar 24 | Dec23 |
| Revenue + | ₹2410Cr. | ₹2209Cr. | ₹1997Cr. | ₹1946Cr. |
| Expenses + | ₹1703Cr | ₹1579Cr. | ₹1508Cr. | ₹1374Cr. |
| EBITDA | ₹10.02Cr | ₹9.91Cr. | ₹10.20Cr. | ₹9.99Cr. |
| EBIT | ₹2221Cr | ₹2029Cr. | ₹1768Cr. | ₹1772Cr. |
| Net Profit | ₹445.60Cr | ₹482.61Cr. | ₹381.34Cr. | ₹436.97Cr. |
| Operating Profit Margin | 93.06% | 92.80% | 89.49% | 92.15% |
| Net Profit Margin | 22.76% | 21.97% | 19.20% | 22.59% |
| Earning Per Share | ₹0.69 | ₹0.62 | ₹0.57 | ₹0.65 |
| Dividends Per Share | 0.00 | 0.00 | 0.00 | 0.00 |
Bajaj Housing Finance Annual Income Report
| Description | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|
| Total Revenue | ₹7618Cr | ₹5665Cr | ₹3767Cr | ₹3155Cr |
| Total Expenses | ₹5456Cr | ₹3965Cr | ₹2807Cr | ₹2542Cr |
| Profit/Loss | ₹1731Cr | ₹1258Cr | ₹709.62Cr | ₹453.19Cr |
| Net Profit Margin | 22.73% | 22.20% | 18.84% | 14.36% |
| Earning Per Share | ₹2.58 | ₹1.88 | ₹1.45 | ₹0.93 |
| EBITDA | ₹6894 | ₹4945 | ₹3141 | ₹2601 |
| EBIT | ₹6854 | ₹4911 | ₹3115 | ₹2579 |
| Operating Profit Margin | 90.52% | 87.31% | 83.43% | 82.48% |
| Dividends Per share | 0.00 | 0.00 | 0.00 | 0.00 |
Bajaj Housing Finance Cash Flow
| Particulars | Mar 24 | Mar 23 | Mar 22 | Mar 21 |
|---|---|---|---|---|
| Cash Flow From Operating Activities | ₹-15428Cr | ₹-14332Cr. | ₹-12461Cr. | ₹-5076Cr. |
| Cash Flow From Investing Activities | ₹273Cr | ₹-611Cr. | ₹2197Cr. | ₹-797Cr. |
| Cash Flow From Financing Activities | ₹15125Cr | ₹14630Cr. | ₹10209Cr. | ₹5676Cr. |
| Net Change In Cash | ₹-30 | ₹-313 | ₹-55 | ₹-197 |
Bajaj Housing Finance Share Price Target 2025, 2026, 2028, 2030, 2040 to 2050
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2025 | ₹104 | ₹165 |
| 2026 | ₹146 | ₹220 |
| 2028 | ₹264 | ₹337 |
| 2030 | ₹362 | ₹486 |
| 2040 | ₹896 | ₹1069 |
| 2050 | ₹1520 | ₹1646 |
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Bajaj Housing Finance Shareholding Pattern
| Shareholder | Share % |
|---|---|
| Promoter | 88.75% |
| Retail and Others | 7.64% |
| Foreign Institutions | 1.68% |
| Mutual Funds | 1.36% |
| Other Domestic Institution | 0.58% |
| Total | 100.00% |
How to Buy Bajaj Housing Finance Shares?
Buying and selling of Bajaj Housing Finance can be done by a stock broker registered with SEBI. Here are the names of some popular brokers.
- Zerodha
- groww
- Angel One
- upstox
Bajaj Housing Finance Similar Stocks
| Company Name | Mkt Cap | Profit (1Year) | 52W L | 52W H |
|---|---|---|---|---|
| Jio Finance Services | ₹1.94 LCr. | 30.10% | ₹232 | ₹394.70 |
| Elcid Investment | ₹3742 KCr. | 5393667% | ₹3.53 | ₹332399.94 |
| Blue Chip India | ₹46.95 KCr. | 269.13% | ₹2.25 | ₹9.80 |
| LIC Housing Finance | ₹32.36KCr | 14.51% | ₹511.85 | ₹826.75 |
| Aadhar Housing Finance | ₹18.31 KCr | 29.05% | ₹292 | ₹516 |
| Can Fin Homes | ₹9.64 KCr. | -6% | ₹680 | ₹951.75 |
| Repco Home Finance | ₹2.61 KCr | 5.34% | ₹366.50 | ₹595 |
Bajaj Housing Finance Share Price Target: Export Opinion
Profitable Stocks
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|---|---|---|---|---|
| Adani ports | ₹3.11 LCr | 94.78% | ₹703.00 | ₹1,457.05 |
| Adani Enterprises | ₹3.89 LCr | 40.35% | ₹2142.00 | ₹3457.85 |
| Suzlon Energy | ₹90.75 KCr | 85.69% | ₹33.90 | ₹86.04 |
| Tata Power Company | ₹1.44 LCr | 101.76% | ₹215.70 | ₹464.20 |
| Adani Power | ₹2.92 LCr | 192.93% | ₹231.00 | ₹797.00 |
| Havells India | ₹1.20 LCr | 41.69% | ₹1232.85 | ₹1950.05 |
| Tata Motors | ₹3.57 LCr | 72.86% | ₹557.70 | ₹1065.60 |
| Tata Power | ₹1.44 LCr | 75.52% | ₹230.80 | ₹494.85 |
Conclusion
Bajaj Housing Finance Limited has demonstrated strong revenue growth and profitability with very high profit margins, supporting a solid market position and operating efficiency. However, high debt, overvaluation and negative cash flows could pose key risks that should be carefully monitored. Investors should consider these factors along with the company’s long-term growth prospects and the potential of the housing finance sector.
Disclaimer– Please note that all the information given here is for general information purpose only and not for investment purposes. Therefore, before investing in any share, take advice from a certified market expert. If you invest, you will be responsible for your profits and losses.
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Q1. What is the Bajaj Housing Finance share price target 2025?
Ans: 2025 price target of Bajaj Housing Finance will be between Rs.104 to Rs.165.
Q2. What is the Bajaj Housing Finance share price target 2030?
Ans: Bajaj Housing Finance will trade between Rs362 and Rs486 in 2030.
Q3. What is the Bajaj Housing Finance share price target 2040?
Ans: 2040 price target of Bajaj Housing Finance will be between Rs.896 to Rs.1069.
Q4. What is the Bajaj Housing Finance share price target 2050?
Ans: 2050 price target of Bajaj Housing Finance will be between Rs.1520 to Rs.1646.