Bajaj Housing Finance Intrinsic Value
Bajaj Housing Finance (BAJAJHFL) median intrinsic value is ₹43.22 from 8 valuation models (range ₹22–₹61), vs current price ₹88.01 — -50.9% downside (Trading Above Calculated Value), margin of safety -100.0%. For current market price and key ratios, visit BAJAJHFL stock live price.
BAJAJHFL Valuation Methods Summary — DCF, Graham Number & P/E
Bajaj Housing Finance intrinsic value across 8 models vs current price ₹88.01 — upside/downside and value range per method. Browse Bajaj Housing Finance financial data for revenue, profit, balance sheet and cash flow data.
| Method | Type | Intrinsic Value | Range | Upside/Downside | Details |
|---|---|---|---|---|---|
| P/E Based Valuation | earnings | ₹36.84 | ₹29.47 - ₹44.21 | -58.1% | EPS: ₹3.07, Sector P/E: 12x |
| Book Value Method | asset | ₹21.63 | ₹19.47 - ₹23.79 | -75.4% | Book Value/Share: ₹27.04, P/B: 0.8x |
| Revenue Multiple Method | revenue | ₹26.40 | ₹23.76 - ₹29.04 | -70.0% | Revenue/Share: ₹13.34, P/S: 1.0x |
| EBITDA Multiple Method | earnings | ₹60.55 | ₹54.49 - ₹66.61 | -31.2% | EBITDA: ₹10087.00Cr, EV/EBITDA: 5x |
| PEG Ratio Method | growth | ₹49.12 | ₹44.21 - ₹54.03 | -44.2% | EPS Growth: 20.0%, Fair P/E: 16.0x |
| Growth Adjusted P/E | growth | ₹26.40 | ₹23.76 - ₹29.04 | -70.0% | Revenue Growth: 15.0%, Adj P/E: 8.6x |
| ROE Based Valuation | profitability | ₹44.01 | ₹39.61 - ₹48.41 | -50.0% | ROE: 11.3%, P/E Multiple: 12x |
| Graham Defensive Method | conservative | ₹43.22 | ₹38.90 - ₹47.54 | -50.9% | EPS: ₹3.07, BVPS: ₹27.04 |
BAJAJHFL Intrinsic Value vs Market Price — All Valuation Models
Bajaj Housing Finance fair value range ₹22–₹61 vs current market price ₹88.01 across 8 valuation models. Compare with BAJAJHFL intrinsic value calculation to assess whether the stock is under or overvalued.
BAJAJHFL Intrinsic Value Analysis — Undervalued or Overvalued?
Bajaj Housing Finance median intrinsic value ₹43.22, current price ₹88.01 — Trading Above Calculated Value by 50.9%, margin of safety -100.0%.
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 ₹43.22 (median value). With the current market price of ₹88.01, this represents a -50.9% variance from our estimated fair value.
The valuation range spans from ₹21.63 to ₹60.55, indicating ₹21.63 - ₹60.55.
Is BAJAJHFL undervalued or overvalued?
Based on our multi-method analysis, Bajaj Housing Finance (BAJAJHFL) appears to be trading above calculated value by approximately 50.9%.
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 |
|---|---|---|---|---|
| Current Ratio | 0.01 | Industry Standard: 2.0+ | Below 1.5 | Measures short-term liquidity capacity |
| Return on Equity | 11.3% | 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 | 0.09x | 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 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 |