Bajaj Housing Finance Valuation

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

BAJAJHFL (₹125.84) is trading above our estimate of [[fair value]] (₹18.73)

Is BAJAJHFL 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 BAJAJHFL when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: BAJAJHFL (₹125.84) is trading above our estimate of fair value (₹18.73)

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

Key Valuation Metric

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

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

The above table shows the Price to Earnings ratio for BAJAJHFL. This is calculated by dividing BAJAJHFL's market cap by their current earnings.
What is BAJAJHFL's PE Ratio?
PE Ratio	56.8x
Earnings	₹18.47b
Market Cap	₹1.05t

BAJAJHFL key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	20.9x
Enterprise Value/EBITDA	22.8x
PEG Ratio	2.4x

Price to Earnings Ratio vs Peers

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

The above table shows the PE ratio for BAJAJHFL vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	13.2x
LICHSGFIN LIC Housing Finance	6.9x	5.2%	₹336.2b
PNBHOUSING PNB Housing Finance	13.4x	16.6%	₹225.0b
AADHARHFC Aadhar Housing Finance	21.6x	20.4%	₹180.4b
IIFL IIFL Finance	11x	25.3%	₹173.3b
BAJAJHFL Bajaj Housing Finance	56.8x	24.0%	₹1.0t

Price-To-Earnings vs Peers: BAJAJHFL is expensive based on its Price-To-Earnings Ratio (56.8x) compared to the peer average (13.2x).

Price to Earnings Ratio vs Industry

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

8 Companies	Price / Earnings	Estimated Growth	Market Cap
531310 Available Finance	2.5x	n/a	US$39.53m
538732 Vibrant Global Capital	4.9x	n/a	US$17.58m
539217 Srestha Finvest	4.9x	n/a	US$12.03m
531735 Prism Finance	2.6x	n/a	US$2.31m

8 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: BAJAJHFL is expensive based on its Price-To-Earnings Ratio (56.8x) compared to the Indian Diversified Financial industry average (24.9x).

Price to Earnings Ratio vs Fair Ratio

What is BAJAJHFL'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.

BAJAJHFL PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	56.8x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate BAJAJHFL's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

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

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

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