Bajaj Housing Finance Intrinsic Value
BAJAJHFL Valuation Methods Summary
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹33.60 | ₹26.88 - ₹40.32 | -65.0% | EPS: ₹2.80, Sector P/E: 12x |
| Book Value Method | asset | ₹19.18 | ₹17.26 - ₹21.10 | -80.0% | Book Value/Share: ₹23.95, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹28.77 | ₹25.89 - ₹31.65 | -70.0% | Revenue/Share: ₹12.40, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹44.18 | ₹39.76 - ₹48.60 | -53.9% | EBITDA: ₹9397.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹40.06 | ₹36.05 - ₹44.07 | -58.2% | EPS Growth: 17.9%, Fair P/E: 14.3x |
| Growth Adjusted P/E | growth | ₹28.77 | ₹25.89 - ₹31.65 | -70.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹47.95 | ₹43.16 - ₹52.75 | -50.0% | ROE: 11.8%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹38.85 | ₹34.97 - ₹42.74 | -59.5% | EPS: ₹2.80, BVPS: ₹23.95 |
Want to compare with current market value? Check BAJAJHFL share price latest .
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 ₹38.85 (median value). With the current market price of ₹95.89, this represents a -59.5% variance from our estimated fair value.
The valuation range spans from ₹19.18 to ₹47.95, indicating ₹19.18 - ₹47.95.
Is BAJAJHFL undervalued or overvalued?
Based on our multi-method analysis, Bajaj Housing Finance (BAJAJHFL) appears to be trading above calculated value by approximately 59.5%.
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 |
| Debt to Equity Ratio | 5.15 | Industry Standard: <0.5 | Above 1.0 | Indicates financial leverage level |
| Return on Equity | 11.8% | 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 |