Bajaj Housing Finance Ltd
BAJAJHFL
Finance
₹ 112.03
Price
₹ 93,355
Market Cap
Large Cap
41.24
P/E Ratio
📊 Score Snapshot
3.9 / 25
Performance
19.27 / 25
Valuation
0.0 / 20
Growth
7.0 / 30
Profitability
30.17 / 100
Avoid
🏢 Company Overview
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🤖 CARL Insights
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📈 Net Profit (Yearly)
📊 Sales (Yearly)
📉 Quarterly Sales Trend
📉 Quarterly Net Profit
📈 Yearly Ratios
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|---|
| Adj Cash EPS | -20.77 | - | - | - | - | - |
| Adj Cash PAT | -17,275 | -14,500 | -14,248 | -12,228 | -5,473 | -679.36 |
| Adj Cash PAT To PAT | -7.99 | -8.38 | -11.33 | -17.23 | -12.09 | -1.62 |
| Adj EPS | 2.60 | - | - | - | - | - |
| Adj Number Of Shares | 831.92 | - | - | - | - | - |
| Adj PE | 46.81 | - | - | - | - | - |
| Bvps | 23.98 | - | - | - | - | - |
| Cash Revenue | 9,567 | 15,223 | 11,330 | 7,538 | 6,308 | 5,292 |
| Cash Revenue To Revenue | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Fcfe | -4,755 | 630.38 | -1,761 | -2,500 | 239.67 | 160.64 |
| Fcfe Margin | -49.70 | 4.14 | -15.54 | -33.17 | 3.80 | 3.04 |
| Fcfe To Adj PAT | -2.20 | 0.36 | -1.40 | -3.52 | 0.53 | 0.38 |
| Market Cap | 101,236 | - | - | - | - | - |
| PB | 5.07 | - | - | - | - | - |
| PE | 46.80 | - | - | - | - | - |
| PS | 10.57 | - | - | - | - | - |
| ROE | 13.43 | 15.22 | 14.58 | 11.11 | 7.79 | - |
| Share Price | 121.69 | - | - | - | - | - |
📊 Quarterly Results
| Metric | Jun 2025 | Mar 2025 | Dec 2024 | Sep 2024 | Jun 2024 | Mar 2024 | Dec 2023 | Sep 2023 | Jun 2023 | Mar 2023 |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales | 2,616 | 2,508 | 4,898 | 4,820 | 4,418 | 3,992 | 3,892 | 3,822 | 3,526 | 3,170 |
| Interest | 1,606 | 1,551 | 1,516 | 1,514 | 1,399 | 1,279 | 1,200 | 1,151 | 1,062 | 954.00 |
| Expenses - | 244.00 | 226.00 | 210.00 | 179.00 | 170.00 | 219.00 | 164.00 | 176.00 | 165.00 | 216.00 |
| Financing Profit | 765.00 | 731.00 | 723.00 | 718.00 | 640.00 | 498.00 | 582.00 | 585.00 | 536.00 | 416.00 |
| Financing Margin % | 29.24 | 29.15 | 14.76 | 14.90 | 14.49 | 12.47 | 14.95 | 15.31 | 15.20 | 13.12 |
| Other Income - | 2.74 | 0.06 | 0.12 | 0.09 | 0.08 | 0.10 | 0.11 | 0.06 | 0.13 | 0.35 |
| Depreciation | 11.00 | 11.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 10.00 | 9.00 |
| Profit Before Tax | 757.00 | 720.00 | 713.00 | 708.00 | 630.00 | 488.00 | 572.00 | 575.00 | 526.00 | 407.00 |
| Tax % | 22.99 | 18.47 | 23.14 | 22.88 | 23.33 | 21.93 | 23.60 | 21.57 | 12.17 | 26.04 |
| Net Profit - | 583.00 | 587.00 | 548.00 | 546.00 | 483.00 | 381.00 | 437.00 | 451.00 | 462.00 | 301.00 |
| Profit Excl Exceptional | 583.00 | 587.00 | 548.00 | 546.00 | 483.00 | 381.00 | 437.00 | 451.00 | 462.00 | 301.00 |
| Profit For PE | 583.00 | 587.00 | 548.00 | 546.00 | 483.00 | 381.00 | 437.00 | 451.00 | 462.00 | 301.00 |
| Profit For EPS | 583.00 | 587.00 | 548.00 | 546.00 | 483.00 | 381.00 | 437.00 | 451.00 | 462.00 | 301.00 |
| EPS In Rs | 0.70 | 0.70 | 0.66 | 0.66 | 0.62 | 0.57 | 0.65 | 0.67 | 0.69 | 0.45 |
| PAT Margin % | 22.29 | 23.41 | 11.19 | 11.33 | 10.93 | 9.54 | 11.23 | 11.80 | 13.10 | 9.50 |
| PBT Margin | 28.94 | 28.71 | 14.56 | 14.69 | 14.26 | 12.22 | 14.70 | 15.04 | 14.92 | 12.84 |
| Tax | 174.00 | 133.00 | 165.00 | 162.00 | 147.00 | 107.00 | 135.00 | 124.00 | 64.00 | 106.00 |
| Yoy Profit Growth % | 21.00 | 54.00 | 25.00 | 21.00 | 5.00 | 26.00 | - | - | - | - |
| Adj PAT | 583.00 | 587.00 | 548.00 | 546.00 | 483.00 | 381.00 | 437.00 | 451.00 | 462.00 | 301.00 |
| Adj PAT Margin | 22.29 | 23.41 | 11.19 | 11.33 | 10.93 | 9.54 | 11.23 | 11.80 | 13.10 | 9.50 |
💰 Profit & Loss
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|---|
| Sales | 9,576 | 15,234 | 11,330 | 7,534 | 6,310 | 5,292 |
| Interest | 5,981 | 4,695 | 3,213 | 2,157 | 1,968 | 1,618 |
| Expenses - | 781.00 | 721.00 | 718.00 | 624.00 | 552.00 | 438.00 |
| Financing Profit | 2,814 | 2,201 | 1,734 | 986.00 | 635.00 | 591.00 |
| Financing Margin % | 29.39 | 14.45 | 15.30 | 13.09 | 10.06 | 11.17 |
| Other Income - | 0.35 | 0.40 | 0.41 | 0.47 | 0.58 | 0.21 |
| Exceptional Items | -2.72 | -0.77 | -0.70 | -0.48 | -0.44 | -0.49 |
| Depreciation | 41.00 | 40.00 | 33.00 | 26.00 | 22.00 | 23.00 |
| Profit Before Tax | 2,770 | 2,161 | 1,700 | 960.00 | 613.00 | 567.00 |
| Tax % | 21.91 | 19.90 | 26.00 | 26.04 | 26.10 | 25.75 |
| Net Profit - | 2,163 | 1,731 | 1,258 | 710.00 | 453.00 | 421.00 |
| Exceptional Items At | -2.00 | -1.00 | -1.00 | - | - | - |
| Profit Excl Exceptional | 2,165 | 1,732 | 1,258 | 710.00 | 454.00 | 422.00 |
| Profit For PE | 2,165 | 1,732 | 1,258 | 710.00 | 454.00 | 422.00 |
| Profit For EPS | 2,163 | 1,731 | 1,258 | 710.00 | 453.00 | 421.00 |
| EPS In Rs | 2.60 | - | - | - | - | - |
| PAT Margin % | 22.59 | 11.36 | 11.10 | 9.42 | 7.18 | 7.96 |
| PBT Margin | 28.93 | 14.19 | 15.00 | 12.74 | 9.71 | 10.71 |
| Tax | 607.00 | 430.00 | 442.00 | 250.00 | 160.00 | 146.00 |
| Adj PAT | 2,161 | 1,730 | 1,257 | 709.64 | 452.67 | 420.64 |
| Adj PAT Margin | 22.57 | 11.36 | 11.10 | 9.42 | 7.17 | 7.95 |
🏦 Balance Sheet
| Metric | Mar 2025 | Sep 2024 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|---|---|
| Accumulated Depreciation | 163.00 | - | 133.00 | 101.00 | 72.00 | 49.00 | 29.00 |
| Average Total Assets | 92,318 | - | 73,240 | 56,590 | 43,192 | 34,615 | - |
| Average Total Equity | 16,090 | - | 11,368 | 8,622 | 6,386 | 5,808 | - |
| Borrowing | 82,072 | - | 69,129 | 53,745 | 41,492 | 31,601 | 25,600 |
| Cwip | 1.00 | - | 1.00 | - | 1.00 | - | - |
| Cash Equivalents | 62.00 | 1,589 | 64.00 | 109.00 | 407.00 | 717.00 | 659.00 |
| Fixed Assets | 141.00 | 122.00 | 123.00 | 113.00 | 97.00 | 79.00 | 86.00 |
| Gross Block | 304.00 | - | 256.00 | 214.00 | 169.00 | 128.00 | 115.00 |
| Investments | 2,533 | 1,633 | 1,939 | 2,001 | 1,248 | 3,266 | 2,508 |
| Loans N Advances | 86.00 | 89,878 | 38.00 | 11.00 | 19.00 | 17.00 | 27,987 |
| Long Term Borrowings | - | 74,475 | - | - | - | - | - |
| Net Debt | -2,595 | 71,253 | 67,126 | 51,635 | 39,837 | 27,618 | 22,433 |
| Other Asset Items | 99,964 | 552.00 | 79,649 | 62,418 | 46,517 | 33,469 | 15.00 |
| Other Borrowings | - | - | 69,129 | 53,745 | 41,492 | 31,601 | 25,600 |
| Other Liability Items | 714.00 | 417.00 | 407.00 | 360.00 | 257.00 | 205.00 | 156.00 |
| Reserves | 11,619 | 10,457 | 5,521 | 3,791 | 1,858 | 1,149 | 702.00 |
| Share Capital | 8,328 | 8,328 | 6,712 | 6,712 | 4,883 | 4,883 | 4,883 |
| Short Term Loans And Advances | - | - | - | - | - | - | 27,975 |
| Total Assets | 102,809 | 93,799 | 81,827 | 64,654 | 48,527 | 37,858 | 31,372 |
| Total Borrowings | - | 74,475 | 69,129 | 53,745 | 41,492 | 31,601 | 25,600 |
| Total Equity | 19,947 | 18,785 | 12,233 | 10,503 | 6,741 | 6,032 | 5,585 |
| Total Equity And Liabilities | 102,809 | 93,799 | 81,827 | 64,654 | 48,527 | 37,858 | 31,372 |
| Total Liabilities | 82,862 | 75,014 | 69,594 | 54,151 | 41,786 | 31,826 | 25,787 |
| Trade Payables | 76.00 | 123.00 | 58.00 | 46.00 | 36.00 | 21.00 | 31.00 |
| Trade Receivables | 22.00 | 25.00 | 13.00 | 2.00 | 237.00 | 311.00 | 118.00 |
💵 Cash Flows
| Metric | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 | Mar 2020 |
|---|---|---|---|---|---|---|
| Cash From Financing Activity | 17,870 | 15,125 | 14,630 | 10,209 | 5,676 | 1,149 |
| Cash From Investing Activity | -798.00 | -555.00 | -611.00 | 2,197 | -797.00 | -69.00 |
| Cash From Operating Activity | -17,075 | -14,600 | -14,332 | -12,461 | -5,076 | -1,024 |
| Cash Paid For Loan Advances | -20,088 | -17,047 | -15,585 | -13,257 | -5,698 | -1,076 |
| Cash Paid For Purchase Of Fixed Assets | -41.00 | -43.00 | -34.00 | -29.00 | -15.00 | -3.00 |
| Cash Paid For Purchase Of Investments | -17,032 | -6,655 | -43,036 | -4,900 | -3,475 | -5,555 |
| Cash Paid For Redemption Of Debentures | - | - | - | - | - | -179.00 |
| Cash Paid For Repayment Of Borrowings | -13,874 | -11,818 | -14,173 | -6,923 | -3,027 | -18.00 |
| Cash Received From Borrowings | 26,389 | 26,948 | 26,657 | 16,652 | 8,731 | 1,017 |
| Cash Received From Issue Of Shares | 5,560 | - | 2,500 | - | - | 150.00 |
| Cash Received From Sale Of Fixed Assets | 5.00 | 3.00 | 4.00 | 2.00 | 2.00 | - |
| Cash Received From Sale Of Investments | 16,270 | 6,140 | 42,408 | 5,400 | 2,975 | 5,487 |
| Change In Other Working Capital Items | 620.00 | 807.00 | 36.00 | 283.00 | -219.00 | -25.00 |
| Change In Payables | 40.00 | 21.00 | 44.00 | 32.00 | -6.00 | 1.00 |
| Change In Receivables | -9.00 | -11.00 | - | 4.00 | -2.00 | - |
| Change In Working Capital | -19,436 | -16,230 | -15,505 | -12,938 | -5,926 | -1,100 |
| Direct Taxes Paid | -624.00 | -526.00 | -399.00 | -242.00 | -180.00 | -13.00 |
| Interest Received | - | - | 46.00 | 27.00 | 31.00 | 1.00 |
| Net Cash Flow | -2.00 | -30.00 | -313.00 | -55.00 | -197.00 | 55.00 |
| Other Cash Financing Items Paid | -206.00 | -14.00 | -355.00 | -30.00 | -28.00 | -1.00 |
| Other Cash Investing Items Paid | - | 8.00 | - | 2,208 | -314.00 | - |
| Profit From Operations | 2,986 | 2,157 | 1,572 | 719.00 | 1,030 | 89.00 |
🧾 Shareholding Pattern
| Nse Code | Date | Promoters | Fii | Dii | Public | Others |
|---|---|---|---|---|---|---|
| Bajajhfl | 2025-06-30 | - | 1.04 | 0.59 | 9.61 | 0.05 |
| Bajajhfl | 2025-03-31 | - | 1.12 | 0.72 | 9.40 | 0.00 |
| Bajajhfl | 2024-12-31 | - | 1.11 | 0.82 | 9.32 | 0.00 |
| Bajajhfl | 2024-09-30 | - | 1.68 | 1.83 | 7.63 | 0.00 |
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