Bajaj Housing Finance Limited

BSE:544252 Stock Report

Market Cap: ₹976.5b

Bajaj Housing Finance Valuation

Is 544252 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 544252 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
₹18.59
Fair Value
531.3% overvalued intrinsic discount
8
Number of Analysts

Below Fair Value: 544252 (₹117.35) is trading above our estimate of fair value (₹18.59)

Significantly Below Fair Value: 544252 is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 544252?

Key metric: As 544252 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 544252. This is calculated by dividing 544252's market cap by their current earnings.
What is 544252's PE Ratio?
PE Ratio45.1x
Earnings₹21.63b
Market Cap₹976.47b

Price to Earnings Ratio vs Peers

How does 544252's PE Ratio compare to its peers?

The above table shows the PE ratio for 544252 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average16x
LICHSGFIN LIC Housing Finance
6.1x4.3%₹316.1b
PNBHOUSING PNB Housing Finance
13.8x13.3%₹268.0b
AADHARHFC Aadhar Housing Finance
21.9x18.5%₹190.1b
APTUS Aptus Value Housing Finance India
22.2x17.7%₹157.4b
544252 Bajaj Housing Finance
45.1x17.2%₹976.5b

Price-To-Earnings vs Peers: 544252 is expensive based on its Price-To-Earnings Ratio (45.1x) compared to the peer average (16x).

Price to Earnings Ratio vs Industry

How does 544252's PE Ratio compare vs other companies in the IN Diversified Financial Industry?

8 CompaniesPrice / EarningsEstimated GrowthMarket Cap
500439 Vardhman Holdings
5xn/aUS$124.82m
531310 Available Finance
1.9xn/aUS$22.90m
538943 Sonal Mercantile
4.7xn/aUS$16.55m
537069 Arnold Holdings
3.8xn/aUS$7.51m
544252 45.1xIndustry Avg. 25.2xNo. of Companies18PE020406080100+
8 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 544252 is expensive based on its Price-To-Earnings Ratio (45.1x) compared to the Indian Diversified Financial industry average (25x).

Price to Earnings Ratio vs Fair Ratio

What is 544252's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

544252 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio45.1x
Fair PE Ratio24.8x

Price-To-Earnings vs Fair Ratio: 544252 is expensive based on its Price-To-Earnings Ratio (45.1x) compared to the estimated Fair Price-To-Earnings Ratio (24.8x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 544252 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current₹117.35
₹113.25
-3.5%
26.1%₹175.00₹82.00n/a8
May ’26₹122.05
₹113.25
-7.2%
26.1%₹175.00₹82.00n/a8
Apr ’26₹121.75
₹106.63
-12.4%
20.0%₹140.00₹80.00n/a8
Mar ’26₹108.75
₹105.38
-3.1%
20.8%₹140.00₹80.00n/a8
Feb ’26₹115.70
₹105.63
-8.7%
20.5%₹140.00₹82.00n/a8
Jan ’26₹127.20
₹123.00
-3.3%
28.1%₹185.00₹86.00n/a6
Dec ’25₹135.90
₹122.60
-9.8%
30.9%₹185.00₹86.00n/a5
Nov ’25₹137.85
₹122.60
-11.1%
30.9%₹185.00₹86.00n/a5
AnalystConsensusTarget
Consensus Narrative from 8 Analysts
₹113.40
Fair Value
3.5% overvalued intrinsic discount
8
Number of Analysts

Analyst Forecast: Target price is lower than the current share price.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/05/10 15:40
End of Day Share Price 2025/05/09 00:00
Earnings2025/03/31
Annual Earnings2025/03/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Bajaj Housing Finance Limited is covered by 11 analysts. 7 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Nitin BhasinAmbit Capital
Raghav GargAmbit Capital
Praveen AgarwalAxis Capital Limited