Bajaj Housing Finance (BAJAJHFL) Fair Value & Analysis
Financial Services · IN · Market cap ₹726B (≈ $7.7B) · ISIN INE377Y01014
What is Bajaj Housing Finance really worth?
A solid business, but trading 108% above our fair value of ₹39.96.
Strengths
Risks
Fair value as of: Aug 28, 2026
From 10 valuation models · updated 8 days ago
Share price −4.5% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (₹49.95). The favourable scenario is already priced in.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (2 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 28, 2026.
How to read this chart
24‑month range ₹73.09 – ₹181.50 · fair‑value band ₹29.97 – ₹49.95 · the ₹83.08 price screens above the ₹39.96 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 28, 2026.
Analysis
Bajaj Housing Finance (BAJAJHFL) currently trades at ₹83.08, while our model-based Fair Value estimate is ₹39.96, implying the stock looks roughly 107.9% overvalued today. The Quality Score stands at 57/100 (solid quality), in the Financial Services sector. Bull case: the Earnings-Based group reads highest at a median of ₹107.59 per share, and 2 of the 7 models we run sit above the ₹83.08 price. Bear case: the Asset-Based group reads lowest at ₹18.12, and 5 of the 7 models stay below the price. Evidence for this calculation is low.
Over the trailing twelve months, Bajaj Housing Finance generated revenue of ₹41.6B at a net margin of 61.5%. Revenue grew 42.3% year over year. It earns a return on equity of 12.1%. Net debt stands at ₹1.0T. Fundamentals as of Aug 28, 2026
Our scenario range runs from ₹29.97 (bear case) to ₹49.95 (bull case); at ₹83.08, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 35% below its 52-week high and 14% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −5% fair-value upside, at −52%, BAJAJHFL screens richer than that median.
Fair Value models
This estimate rests on fiscal year 2026 figures, and about 5 months have passed since. In that time the company retained roughly ₹1.33 per share, which is 3.3 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 10 models by family
Widest divergence: Earnings-Based (₹107.59) versus Asset-Based (₹18.12). Highest evidence: Growth DCF (73).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 28, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 42
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Bajaj Housing Finance Limited provides housing finance services in India. It offers finance to individuals and corporate entities for the purchase and renovation of homes or commercial spaces. The company also provides loans against property for business or personal needs, as well as working capital for business expansion purposes.
Full company description
Bajaj Housing Finance Limited provides housing finance services in India. It offers finance to individuals and corporate entities for the purchase and renovation of homes or commercial spaces. The company also provides loans against property for business or personal needs, as well as working capital for business expansion purposes. In addition, it offers finance to developers engaged in the construction of residential and commercial properties, as well as lease rental discounting to developers and high-net-worth individuals; real estate investment trusts REITs, and sovereign wealth funds and corporations. Bajaj Housing Finance Limited was formerly known as Bajaj Financial Solutions Limited and changed its name to Bajaj Housing Finance Limited in November 2014. The company was incorporated in 2008 and is headquartered in Pune, India. Bajaj Housing Finance Limited operates as a subsidiary of Bajaj Finance Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2022 – FY2026 · reported fiscal years
Bajaj Housing Finance reported revenue of ₹112B in FY2026 versus ₹36.9B in FY2022, a compound +31.9%/yr. Reported net income was ₹25.6B in FY2026, compounding +37.8%/yr from FY2022.
BAJAJHFL screens 108% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Mortgage Finance · 92 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Mortgage Finance median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Mortgage Finance stocks, each showing price versus our Fair Value estimate (as of Aug 28, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCCT | $15.00 | $30.00 | +100% |
| Rocket Companies, Inc RKT | $13.03 | $8.26 | −37% |
| Federal National Mortgage Association FNMAS | $10.06 | $2.01 | −80% |
| PennyMac Financial Services, Inc PFSI | $70.78 | $125.45 | +77% |
| UWM Holdings UWMC | $1.46 | $0.1600 | −89% |
| PNB Housing Finance Limited PNBHOUSING | ₹1,169 | ₹1,143 | −2% |
| LIC Housing Finance Limited LICHSGFIN | ₹502.00 | ₹1,004 | +100% |
| Aadhar Housing Finance Limited AADHARHFC | ₹471.10 | ₹325.75 | −31% |
| Walker & Dunlop, Inc WD | $39.71 | $32.25 | −19% |
| Aptus Value Housing Finance India Limited APTUS | ₹258.50 | ₹244.80 | −5% |
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