BAJAJHFL:NSEBajaj Housing Finance Ltd. Analysis
Data as of 2026-09-02 - not real-time
₹82.85
Latest Price
3/10Risk
Risk Level: Low
Executive Summary
At INR 82.85, Bajaj Housing Finance Limited shows a bearish moving-average alignment, with shorter averages beneath longer ones. Over a rolling month the price has lost 3.9%. Momentum indicators put RSI at 36.8 (approaching oversold) with MACD reading bearish. Watch INR 82.60 as support and INR 87.52 as the nearer resistance level.
Multiples put this in overvalued territory: 25.7 times earnings against the sector's 16.7. Analyst price targets sit 14.0% above the current price. Revenue is growing at 19.6% on a 63.2% profit margin.
On a 1-10 scale the risk profile lands at 3 — low. With 30-day volatility of 14.0%, a beta of 0.48 and a maximum drawdown of 36.9%, the drawdown profile is forgiving relative to most of the market. The wider market backdrop reads extreme greed at 92 on the fear-greed composite.
Short, medium and long-term reads agree on sell, with conviction of 4/10.
Multiples put this in overvalued territory: 25.7 times earnings against the sector's 16.7. Analyst price targets sit 14.0% above the current price. Revenue is growing at 19.6% on a 63.2% profit margin.
On a 1-10 scale the risk profile lands at 3 — low. With 30-day volatility of 14.0%, a beta of 0.48 and a maximum drawdown of 36.9%, the drawdown profile is forgiving relative to most of the market. The wider market backdrop reads extreme greed at 92 on the fear-greed composite.
Short, medium and long-term reads agree on sell, with conviction of 4/10.
Top Market Events
Despite achieving record disbursement and AEM growth, Bajaj Housing Finance Ltd NSE:BAJAJHFL faces challenges with NIM...Bajaj Housing Finance's total income was up 17% to Rs 3,063 crore, compared to Rs 2,616 crore in the previous fiscal.Bajaj Housing Finance Limited announces the relocation of its registered office from Akurdi, Pune to Viman Nagar, Pune,...
Market Outlook
Short Term
< 1 yearCautious
Model confidence: 6/10
Key Factors
- Short-term moving averages stacked below long-term ones
- Trading below the 200-day average of 88.61
- MACD momentum is negative
Medium Term
1–3 yearsCautious
Model confidence: 5/10
Key Factors
- Short-term moving averages stacked below long-term ones
- P/E of 25.7 versus sector average of 16.7
- Trading below the 200-day average of 88.61
Long Term
> 3 yearsCautious
Model confidence: 4/10
Key Factors
- P/E of 25.7 versus sector average of 16.7
- Analyst targets imply +14.0% versus the current price
- Profit margin of 63.2% is healthy
Key Metrics & Analysis
Financial Health
Revenue Growth19.60%
Profit Margin63.18%
P/E Ratio25.7
ROE12.68%
Debt/Equity460.74
P/B Ratio3.1
Industry P/E16.7
Technical Analysis
TrendBearish
RSI36.8
Support₹82.60
Resistance₹87.52
MA 20₹84.80
MA 50₹86.19
MA 200₹88.61
MACDBearish
VolumeIncreasing
Fear & Greed Index92.25
Valuation
Target Price₹94.47
Upside/Downside14.03%
GradeOvervalued
TypeGrowth
Risk Assessment
Beta0.48
Volatility14.01%
Sector RiskMedium
Reg. RiskHigh
Geo RiskHigh
Currency RiskHigh
Liquidity RiskLow
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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.