This article focuses on Bajaj Housing Finance’s share price targets for 2025, 2026, 2028, 2030, 2040, and 2050. We’ll also explore the company’s fundamentals, market sentiment, income reports, share price history, and quarterly performance. This analysis aims to guide investors in making informed decisions.
About Bajaj Housing Finance
Bajaj Housing Finance is a part of Bajaj Finance Limited, which is classified as an Upper Layer NBFC by the RBI. It offers various home financing options to meet the needs of different customers. These include home loans, loans against property, and construction finance. The company provides competitive interest rates and flexible repayment options. Bajaj Housing Finance makes the loan process easy with minimal paperwork and quick approvals. It serves more than 92 million customers across India.
Bajaj Housing Finance Fundamentals
Suzlon Energy Ltd. operates in the capital goods sector, specializing in renewable energy solutions. With a market capitalization of ₹105726 Cr, it is a large-cap company. The firm holds financial reserves of ₹5521.34 Cr, ensuring stability for future challenges and projects. Suzlon is listed on both NSE and BSE with codes BAJAJHFL and 544252, respectively.
| 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% |
Bajaj Housing Finance Share Price Targets 2025
The market sentiment for Bajaj Housing Finance is currently bearish. The projected share price target for 2025 ranges between ₹104 and ₹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
Market experts estimate Bajaj Housing Finance share price target for 2026 to be between ₹146 and ₹220.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2026 | ₹146 | ₹220 |
Bajaj Housing Finance Share Price Target 2028
Bajaj Housing Finance’s share price target for 2028 is expected to range from ₹264 to ₹337, driven by potential growth in the renewable energy sector.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2028 | ₹264 | ₹337 |
Bajaj Housing Finance Share Price Target 2030
Experts predict Bajaj Housing Finance’s share price target for 2030 to fall between ₹362 and ₹486.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2030 | ₹362 | ₹486 |
Bajaj Housing Finance Share Price Target 2040
Based on historical trends, Bajaj Housing Finance’s share price target for 2040 is projected between ₹896 and ₹1069.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2040 | ₹896 | ₹1069 |
Bajaj Housing Finance Share Price Target 2050
Long-term projections place Bajaj Housing Finance’s share price target for 2050 between ₹1520 and ₹1646.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2050 | ₹1520 | ₹1646 |
Bajaj Housing Finance Share Price Target: Export Opinion
Latest News
- Bajaj Housing Finance Limited (BHFL) has introduced Dual Rate Home Loans and Loans Against Property. These come with fixed interest rates for the first three years, ensuring stable EMIs and protection from fluctuating rates.
Strengths
- Bajaj Housing Finance has a market capitalization of ₹1,05,726 crore, making it a key player in the financial sector.
- Revenue has grown significantly, from ₹3,155 crore in FY21 to ₹7,618 crore in FY24.
- Profit has also increased, though slightly lower, from ₹1,731 crore in FY21 to ₹1,258 crore in FY24.
- A return on equity (ROE) of 15.2% highlights efficient use of shareholder funds.
- Net cash flow from operating activities has shown improvement.
- The return on capital employed (ROCE) is 9.42%, indicating decent returns on total capital invested.
- Annual revenue has grown by 34.47%, and profits by 37.60%, showcasing strong operational performance.
- Quarterly revenue has consistently increased over the past four quarters.
- Net profit margins are stable at about 22%.The company maintains an impressive operating profit margin of over 90%, reflecting tight control on expenses.
- A high promoter shareholding of 88.75% ensures trust in the management.
- The book value per share is ₹22.56, showing a strong asset position.Earnings per share (EPS) is ₹3.10, confirming steady profitability.
Risks
- The company’s debt-to-equity ratio is 3.96, indicating heavy dependence on borrowings, which can be risky during economic downturns.
- The price-to-earnings (P/E) ratio is 57.18, much higher than the industry average of 24.93, suggesting the stock may be overpriced.
- The dividend yield is 0.00%, which might not appeal to income-focused investors.
- High interest payments relative to earnings are a concern.
- Continuous negative cash flow from operations raises questions about liquidity and working capital management.
- Weak cash generation from core business activities is a red flag.
- The company heavily relies on debt for funding, as seen in its positive cash flow from financing activities.
Bajaj Housing Finance Share Price History
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 |
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 |
Profitable Stocks
| Stocks | Mkt cap | Profit (1Year) | 52W L | 52W H |
|---|---|---|---|---|
| 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 has shown strong revenue and profit growth, supported by high operating profit margins. This positions the company well in the market. However, its heavy reliance on debt, high valuation, and negative cash flows are potential risks. Investors should weigh these factors along with the company’s growth potential and the future prospects of the housing finance industry.
Disclaimer: The information provided here is for general purposes only and not financial advice. Consult a certified market expert before making investment decisions. You are solely responsible for any profits or losses resulting from your investments.
FAQs
Q1. What is the Bajaj Housing Finance share price target for 2025?
Ans: The expected share price target for Bajaj Housing Finance in 2025 is between ₹104 and ₹165.
Q2. What is the Bajaj Housing Finance share price target for 2030?
Ans: Bajaj Housing Finance’s share price target for 2030 is projected to range between ₹362 and ₹486.
Q3. What is the Bajaj Housing Finance share price target for 2040?
Ans: The expected share price target for Bajaj Housing Finance in 2040 is between ₹896 and ₹1069.
Q4. What is the Bajaj Housing Finance share price target for 2050?
Ans: Bajaj Housing Finance’s share price target for 2050 is estimated to be between ₹1520 and ₹1646.