In this article, we will explore the future share price targets of Bajaj Housing Finance for the years 2025, 2026, 2028, 2030, 2040, and 2050. Additionally, we will discuss Bajaj Housing Finance’s fundamentals, market sentiment, financial performance, and quarterly reports to assist investors in making informed decisions.
About Bajaj Housing Finance
Bajaj Housing Finance Limited (BHFL) is a subsidiary of Bajaj Finance Limited, categorized as an Upper Layer NBFC by the Reserve Bank of India (RBI). BHFL provides a variety of home financing options tailored to meet diverse customer needs. Its offerings include home loans, loans against property, and construction finance, all with competitive interest rates and flexible repayment terms. The company simplifies the loan process with minimal documentation and quick approvals, catering to over 92.09 million customers across India.
Bajaj Housing Finance Fundamentals
| 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 Target 2025
Current market sentiment around Bajaj Housing Finance is strong bearish. The expected share price target for 2025 is estimated to be between ₹104 to ₹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 analysts, Bajaj Housing Finance’s share price in 2026 is projected to range between ₹146 to ₹220.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2026 | ₹146 | ₹220 |
Bajaj Housing Finance Share Price Target 2028
By 2028, the share price target for Bajaj Housing Finance is anticipated to be between ₹264 to ₹337, considering the company’s steady growth and expansion in defense contracts.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2028 | ₹264 | ₹337 |
Bajaj Housing Finance Share Price Target 2030
Based on the company’s historical performance and ongoing projects, Bajaj Housing Finance’s share price in 2030 is expected to be between ₹362 to ₹486.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2030 | ₹362 | ₹486 |
Bajaj Housing Finance Share Price Target 2040
Following the long-term trend, Bajaj Housing Finance’s share price in 2040 is likely to fall between ₹896 to ₹1069.
| Year | Price Target (Min) | Price Target (Max) |
|---|---|---|
| 2040 | ₹896 | ₹1069 |
Bajaj Housing Finance Share Price Target 2050
Considering the consistent growth trajectory and the company’s prominent role in defense manufacturing, Bajaj Housing Finance’s share price target for 2050 is expected to range from ₹1520 to ₹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 has introduced Dual Rate Home Loans and Loans Against Property with fixed interest rates for the first three years. This feature ensures predictable EMIs and safeguards borrowers from interest rate fluctuations.
Strengths
- Bajaj Housing Finance boasts a market capitalization of ₹105,726 crore, making it a prominent player in the finance sector.
- Revenue increased from ₹3,155 crore in FY21 to ₹7,618 crore in FY24.
- Profit grew steadily from ₹1,731 crore in FY21 to ₹1,258 crore in FY24.
- The company has a Return on Equity (ROE) of 15.2%, reflecting effective use of shareholder funds.
- Return on Capital Employed (ROCE) stands at 9.42%, indicating decent returns on total capital invested.
- Annual revenue has grown by 34.47%, while profit growth stands at 37.60%.
- Consistent revenue growth over the last four quarters.
- Quarterly net profit margins have steadily risen (~22%).
- Maintains a robust operating profit margin of over 90%, highlighting excellent cost control.
- Promoter shareholding of 88.75% ensures stability and confidence in management.
- Book value per share is ₹22.56, signifying a solid asset base.
- Earnings per share (EPS) of ₹3.10 reflects profitability.
Risks
- The company’s debt-to-equity ratio of 3.96 indicates significant dependence on borrowings, posing risks during unfavorable economic conditions.
- A P/E ratio of 57.18, compared to the industry average of 24.93, suggests the stock may be overvalued.
- The absence of dividend payouts may deter income-focused investors.
- Persistent negative cash flow from operating activities raises questions about liquidity and working capital management.
- Cash flow from financing activities is highly positive, reflecting heavy dependence on borrowed funds for growth and operations.
- The company incurs high interest payments relative to earnings, which may strain profitability.
- Limited cash generation from core operations is a concerning factor.
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 |
Conclusion
Bajaj Housing Finance Limited showcases impressive growth in revenue and profitability, supported by exceptional profit margins and operational efficiency. These strengths position the company as a key player in the housing finance sector. However, its high debt levels, stock overvaluation, and negative cash flows present significant risks. Potential investors should weigh these factors alongside the long-term opportunities within the housing finance industry before making investment decisions.
Disclaimer: The information provided here is for general informational purposes only and should not be considered as financial advice. Before making any investment, it is advisable to consult with a certified financial advisor. The author is not responsible for any investment decisions made based on this article.
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 to ₹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 be between ₹362 to ₹486.
Q3. What is the Bajaj Housing Finance share price target for 2040?
Ans: The share price target for Bajaj Housing Finance in 2040 is expected to be between ₹896 to ₹1069.
Q4. What is the Bajaj Housing Finance share price target for 2050?
Ans: Bajaj Housing Finance’s share price target for 2050 is likely to range between ₹1520 to ₹1646.