Bajaj Housing Finance Ltd

BAJAJHFL NSE Financial Services Housing Finance Company
Nifty 500 Midcap 150 LargeMid 250
₹84.14
-0.09%
Delayed · cached 15 min

Fair value analysis

BAJAJHFL
Bajaj Housing Finance Ltd
Financial Services›Housing Finance Company
₹84.22
Close used for this calculation
₹56.65Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
48/100
Profitability23/25
Returns9/25
Balance Sheet6/25
Efficiency10/25
Growth9/25
Average
Quality radar
48Prof.23/25Ret.9/25Eff.10/25B.Sht6/25Growth9/25

Consensus fair value

₹56.65
Above FV
▼ -32.7% against the close used
Model range ₹40.83 – ₹126.86
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear₹40.83Fair value₹56.65Bull₹126.86
FairClose
52-week traded range
52W low ₹73.0952W high ₹115.92

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading above the consensus fair value

Bajaj Housing Finance Ltd closed at ₹84.22, 48.7% above the consensus fair value of ₹56.65 drawn from 8 valuation models.

Financial DNA score 48/100 — Average. P/E of 25.9x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
₹60.94
-27.6%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
₹44.48
-47.2%
√(22.5 × EPS × BVPS)
EPS=3.07, BVPS=28.65 · outside Graham range (P/E 25.9, P/B 2.9) — asset-light, treat as a rough floor
Graham Formula
₹126.86
+50.6%
EPS × (8.5 + 2g) × 6.5 ÷ FD_Rate
g=18%, FD=7%
P/E Fair Value
₹40.83
-51.5%
EPS × 13.3x (sector P/E)
EPS=3.07, Sector P/E=13.3x
Peter Lynch (PEG)
₹55.26
-34.4%
EPS × Growth% (PEG = 1 is fair)
EPS=3.07, g=18%
Book Value (P/B)
₹43.69
-48.1%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=28.65, ROE=12.1%, g=6%, r=10%
Reverse DCF
₹84.22
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 11.4% | Historical: 18%
Margin of Safety
₹51.21
-39.2%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=68.28, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.