Bajaj Housing Finance Intrinsic Value
BAJAJHFL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹36.00 | ₹28.80 - ₹43.20 | -57.8% | EPS: ₹3.00, Sector P/E: 12x |
| Book Value Method | asset | ₹19.16 | ₹17.24 - ₹21.08 | -77.5% | Book Value/Share: ₹23.95, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹25.58 | ₹23.02 - ₹28.14 | -70.0% | Revenue/Share: ₹12.93, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹58.65 | ₹52.78 - ₹64.52 | -31.2% | EBITDA: ₹9768.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹47.84 | ₹43.06 - ₹52.62 | -43.9% | EPS Growth: 19.9%, Fair P/E: 15.9x |
| Growth Adjusted P/E | growth | ₹25.80 | ₹23.22 - ₹28.38 | -69.7% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹42.64 | ₹38.38 - ₹46.90 | -50.0% | ROE: 12.4%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹40.21 | ₹36.19 - ₹44.23 | -52.8% | EPS: ₹3.00, BVPS: ₹23.95 |
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Valuation Comparison Chart
BAJAJHFL Intrinsic Value Analysis
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 ₹40.21 (median value). With the current market price of ₹85.28, this represents a -52.8% variance from our estimated fair value.
The valuation range spans from ₹19.16 to ₹58.65, indicating ₹19.16 - ₹58.65.
Is BAJAJHFL undervalued or overvalued?
Based on our multi-method analysis, Bajaj Housing Finance (BAJAJHFL) appears to be trading above calculated value by approximately 52.8%.
Financial Health Analysis
| Financial Metric | Current Value | Industry Benchmark | Assessment | Impact on Valuation |
|---|---|---|---|---|
| Current Ratio | 0.01 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 12.4% | 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 |
Related Pages for Bajaj Housing Finance
Additional stock information and data for BAJAJHFL
Cash Flow Quality Analysis
| Period | Operating Cash Flow | Free Cash Flow | Cash Flow Quality | Sustainability Score |
|---|---|---|---|---|
| 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 |
| March 2021 | ₹-5,076 Cr | ₹-5,475 Cr | Negative Cash Flow | 3/10 |