Bajaj Housing Finance Intrinsic Value
Bajaj Housing Finance intrinsic value. Bajaj Housing Finance (BAJAJHFL) median intrinsic value is ₹40.80 from 8 valuation models (range ₹22–₹66), vs current price ₹81.02 — -49.6% downside (Trading Above Calculated Value), margin of safety -98.6%. Read Bajaj Housing Finance dividend payments for the complete payout history and dividend yield track record.
BAJAJHFL Valuation Methods Summary — DCF, Graham Number & P/E
Bajaj Housing Finance intrinsic value across 8 models vs current price ₹81.02 — upside/downside and value range per method. Compare with BAJAJHFL fair value estimate to assess whether the stock is under or overvalued.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹40.80 | ₹32.64 - ₹48.96 | -49.6% | EPS: ₹3.40, Sector P/E: 12x |
| Book Value Method | asset | ₹21.63 | ₹19.47 - ₹23.79 | -73.3% | Book Value/Share: ₹27.04, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹24.31 | ₹21.88 - ₹26.74 | -70.0% | Revenue/Share: ₹14.53, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹66.45 | ₹59.81 - ₹73.10 | -18.0% | EBITDA: ₹11070.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹43.43 | ₹39.09 - ₹47.77 | -46.4% | EPS Growth: 16.0%, Fair P/E: 12.8x |
| Growth Adjusted P/E | growth | ₹29.24 | ₹26.32 - ₹32.16 | -63.9% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹40.51 | ₹36.46 - ₹44.56 | -50.0% | ROE: 12.5%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹45.48 | ₹40.93 - ₹50.03 | -43.9% | EPS: ₹3.40, BVPS: ₹27.04 |
BAJAJHFL Intrinsic Value vs Market Price — All Valuation Models
Bajaj Housing Finance fair value range ₹22–₹66 vs current market price ₹81.02 across 8 valuation models. For current market price and key ratios, visit Bajaj Housing Finance share price screener.
BAJAJHFL Intrinsic Value Analysis — Undervalued or Overvalued?
Bajaj Housing Finance median intrinsic value ₹40.80, current price ₹81.02 — Trading Above Calculated Value by 49.6%, margin of safety -98.6%.
What is the intrinsic value of BAJAJHFL?
Based on our comprehensive analysis using 8 different valuation methods, the estimated intrinsic value of Bajaj Housing Finance (BAJAJHFL) is ₹40.80 (median value). With the current market price of ₹81.02, this represents a -49.6% variance from our estimated fair value.
The valuation range spans from ₹21.63 to ₹66.45, indicating ₹21.63 - ₹66.45.
Is BAJAJHFL undervalued or overvalued?
Based on our multi-method analysis, Bajaj Housing Finance (BAJAJHFL) appears to be trading above calculated value by approximately 49.6%.
BAJAJHFL Financial Health — Key Ratios vs Industry Benchmarks
Bajaj Housing Finance financial ratios — ROE, debt-to-equity, profit margins and liquidity vs industry benchmarks and their impact on intrinsic value.
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Return on Equity | 12.5% | Industry Standard: 15%+ | Above 10% | Measures shareholder return efficiency |
| Operating Margin | 91.0% | Industry Standard: 20%+ | Above 20% | Indicates operational efficiency level |
| Asset Turnover Ratio | 0.10x | Industry Standard: 1.0x+ | Below 0.5x | Measures asset utilization efficiency |
BAJAJHFL Cash Flow Quality — Operating & Free Cash Flow
Bajaj Housing Finance operating cash flow, free cash flow, quality rating and sustainability score by period — key inputs to DCF intrinsic value calculation.
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| March 2026 | ₹-19,895 Cr | ₹-20,496 Cr | Negative Cash Flow | 3/10 |
| March 2025 | ₹-17,075 Cr | ₹-17,474 Cr | Negative Cash Flow | 3/10 |
| March 2024 | ₹-14,600 Cr | ₹-14,878 Cr | Negative Cash Flow | 3/10 |
| March 2023 | ₹-14,332 Cr | ₹-14,638 Cr | Negative Cash Flow | 3/10 |
| March 2022 | ₹-12,481 Cr | ₹-12,481 Cr | Negative Cash Flow | 3/10 |