BAJAJHFL:NSEBajaj Housing Finance Ltd. Analysis
Data as of 2026-03-15 - not real-time
₹82.15
Latest Price
7/10Risk
Risk Level: Medium
Executive Summary
The stock is trading well below its short‑, medium‑ and long‑term moving averages, with a bearish MACD alignment and an RSI that sits in oversold territory, while volume has been picking up and price hovers just above a key support level and below a nearby resistance zone.
Fundamentally, revenue is expanding at a strong pace and profit margins remain exceptionally high, driving EPS growth, but valuation multiples are markedly above those of peers and the balance sheet is burdened by an extremely high debt‑to‑equity ratio, leaving little room for dividend payouts.
Market sentiment leans toward greed, and recent earnings commentary highlighted solid AUM expansion and profit acceleration, yet asset quality pressures and a pronounced downside risk keep the overall risk profile elevated.
Fundamentally, revenue is expanding at a strong pace and profit margins remain exceptionally high, driving EPS growth, but valuation multiples are markedly above those of peers and the balance sheet is burdened by an extremely high debt‑to‑equity ratio, leaving little room for dividend payouts.
Market sentiment leans toward greed, and recent earnings commentary highlighted solid AUM expansion and profit acceleration, yet asset quality pressures and a pronounced downside risk keep the overall risk profile elevated.
Market Outlook
Short Term
< 1 yearCautious
Model confidence: 8/10
Key Factors
- Price below all major moving averages
- Bearish MACD and low RSI indicating weak momentum
- Proximity to support with limited upside
Medium Term
1–3 yearsNeutral
Model confidence: 6/10
Key Factors
- Robust revenue and profit growth
- High valuation relative to industry peers
- Elevated debt levels constraining flexibility
Long Term
> 3 yearsNeutral
Model confidence: 5/10
Key Factors
- Strong franchise and AUM expansion
- Sustained high margins but overleveraged balance sheet
- Sector exposure to housing market cycles
Key Metrics & Analysis
Financial Health
Revenue Growth23.10%
Profit Margin64.70%
P/E Ratio27.7
Debt/Equity443.87
P/B Ratio3.2
Industry P/E16.4
Technical Analysis
TrendBearish
RSI27.3
Support₹81.51
Resistance₹89.84
MA 20₹86.21
MA 50₹89.76
MA 200₹106.33
MACDBearish
VolumeIncreasing
Fear & Greed Index72.88
Valuation
Target Price₹100.17
Upside/Downside21.93%
GradeOvervalued
TypeBlend
Risk Assessment
Beta-0.03
Volatility17.67%
Sector RiskMedium
Reg. RiskMedium
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.